Credit Analyst/Underwriter

LendingOne is a direct private lender for Real Estate professionals headquartered in Boca Raton, FL with additional offices in Charlotte, NC and Great Neck, NY. LendingOne made the Inc. 500 list of the fastest-growing private companies in America in 2019. Along with being rated one of the Top Workplaces in 2025 - for the fourth consecutive year - by Sun Sentinel!

We specialize in providing business-purpose mortgage loans for non-owner-occupied investment properties. We offer fix/flip bridge loans and long-term rental financing. Not a broker nor a bank, but a fully funded lending partner that can close consistently. LendingOne and its affiliates have extensive real estate experience and have provided over $7 Billion in real estate capital.

The Opportunity:

We’re seeking a skilled and detail-obsessed Credit Analyst/Underwriter who can dive into complex financials, spot potential risks, and deliver sound lending decisions—while working closely with our Sales team to help clients achieve their real estate investment goals.

If you’re the type who enjoys digging into the numbers, thrives under deadlines, and takes pride in delivering accurate, thoughtful evaluations, this role will give you both challenge and reward.

This is a full-time employment opportunity working in our Headquarters Office in Boca Raton, FL, or in our Charlotte, NC office.

What You’ll Do:

• Perform full credit analysis and underwriting on business-purpose loans, evaluating borrowers and properties in detail.
• Review financial statements, analyze creditworthiness, and verify key data points such as acquisition costs, renovation budgets, rental income, and market comps.
• Identify risks and recommend alternative financing solutions when needed.
• Prepare clear and concise underwriting summaries with both quantitative and qualitative insights.
• Communicate underwriting decisions and rationale to internal stakeholders, particularly the Sales team.
• Review appraisal reports to ensure they meet company standards.
• Maintain productivity and turnaround times in line with department goals.
• Prioritize caseload effectively to meet multiple deadlines.

Requirements

• Minimum 3 years of underwriting experience within private lending.

• High attention to detail and accuracy in financial analysis.
• Strong critical thinking skills with the ability to identify inconsistencies and propose solutions.
• Excellent written and verbal communication skills.
• Ability to manage multiple priorities and deliver on tight timelines.
• Positive, team-oriented attitude with strong problem-solving skills.
• Proficiency in CRM systems and Microsoft Office/Google Workspace.
• Bonus points for experience with DSCR, Fix & Flip, and New Construction loans, or a degree in Finance, Business, or Economics.

Benefits

Why LendingOne:

• Diverse and inclusive workplace, with a supportive and friendly team
• Company awards, recognitions, and community involvement opportunities
• Comprehensive benefits package: medical, dental, vision, short and long-term disability, flexible spending accounts, generous 401(k) match, and more!
• 10 Company-paid holidays, and Paid-time Off
• Work-From-Home Fridays!
• Regular company-sponsored lunches, team-building and social events, and company swag to promote engagement and connection
• We believe in promoting from within
• Dedicated Learning & Development Team: comprehensive technical training, career paths, and education reimbursement opportunities!

LendingOne is an Equal Employment Opportunity employer. All qualified applicants will receive consideration for employment without regard to race, national origin, gender, age, religion, disability, sexual orientation, veteran status, or marital status.