Junior Credit Analyst/Underwriter

At LendingOne, we don’t just lend capital—we fuel opportunity. Headquartered in sunny Boca Raton, FL, with additional offices in Charlotte, NC and Great Neck, NY, we’ve funded over $7 billion in real estate capital and earned recognition as one of the Sun Sentinel’s Top Workplaces—four years running!

As a direct private lender—not a broker, not a bank—we specialize in business-purpose mortgage loans for real estate investors, including fix-and-flip bridge loans and long-term rental financing.

Our mission is powered by our values:

• Speed & Ease – We simplify lending so clients can move fast and seize opportunities.
• Solutions Driven – We solve problems, not just process paperwork.
• Loyal Partners – We build trust, not just transactions.
• Authentic Experience – We stay real, reliable, and respectful—always.

We’re a fully funded, full-service lending partner—and we’re growing fast.

Position Overview:

We are seeking an experienced and detail-oriented Junior Credit Analyst/Underwriter to join our Operations team located in our Headquarters in Boca Raton, FL. Reporting directly to the Underwriting Manager, this role focuses on underwriting investment properties and requires a minimum of 1 year in underwriting, preferably within real estate investment. The successful candidate will demonstrate a strong ability to review financial documents, analyze creditworthiness, and communicate effectively with internal sales teams.

This is a full-time employment opportunity working in our Boca Raton Headquarters Office.

Requirements

Qualifications:

The following qualifications and responsibilities serve as a position overview and are not exhaustive. Employees are expected to be team players and may take on additional tasks as needed.

Required Skills:

• 1 year in underwriting, with experience working in a team & matrix environment.
• High attention to detail and proficiency when reviewing and analyzing financial documents, creditworthiness, and borrower qualifications for financing.
• Strong critical thinking skills with a natural inclination to question inconsistencies & propose alternative approaches, enabling effective risk assessment and issue identification.
• Excellent verbal and written communication skills, with comfort and professionalism in communicating over the phone with necessary team members of various departments.
• Organizational abilities to manage multiple projects and meet deadlines with timely follow up.
• Positive attitude with the ability to thrive in a fast-paced environment.
• Ability to self-manage workflow effectively while meeting productivity and turnaround time expectations aligned with organizational & departmental goals.

Preferred Skills:

• Experience underwriting DSCR, Fix & Flip, and New Construction loans.
• Bachelor’s and/or Associate’s Degree in Finance, Business, Economics, or a related field.
• Tech savvy, innovative with strong computer skills.

Responsibilities:

• Perform comprehensive credit analysis and underwriting on all business purpose loans, including the full assessment of borrowers and properties. This includes evaluating acquisition costs, renovation plans, rental income, market conditions, and loan terms.
• Assess applicant financials, analyze creditworthiness, and determine financing qualifications. Investigate variances on financial statements and verify market comparables for rental and property values.
• Identify potential risks associated with both the borrower and property. Recommend alternative financing terms when necessary, considering specific loan conditions and potential risks.
• Create concise summary reports that include both quantitative and qualitative evaluations of the loan application, property, and borrower. Clearly communicate underwriting decisions and rationale with internal teams, particularly the Sales team.
• Issue final underwriting approval with detailed terms once requirements are met. Ensure all necessary communications and documentation are completed in a timely manner.
• Review appraisal analysis to determine that acceptable standards are met.
• Maintain productivity level and turn times as established by management. Prioritizes the underwriting caseload to meet various deadlines.
• Business relationship management skills and the ability to understand and anticipate the needs of respective business stakeholders

Benefits

Why LendingOne:

• Competitive base salary and incentive structure
• Full medical, dental, and vision benefits
• Company-matching 401(k) plan
• Paid time off and 10 company-paid holidays
• Work-from-home Fridays
• Career development, training, and internal promotion opportunities
• Team-building events, company lunches, and swag
• Collaborative, inclusive, and fun workplace culture

LendingOne is proud to be an Equal Opportunity Employer. We’re committed to building a diverse and inclusive workforce where everyone belongs.