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Senior Underwriter Jobs in Rialto, CA (NOW HIRING)

LBC Mortgage

Senior Underwriter

Orange, CA · On-site

$105K - $124K/yr

We are looking for an experienced Senior Hard Money Underwriter who can independently underwrite complex deals, support junior underwriters, and ensure strong credit and collateral decisions while ...

DB Insurance Co., Ltd.

Underwriter - HYBRID

Anaheim, CA · On-site

$85 - $120/hr

Hybrid after 1 year - 3 days in office/2 days remote Reports to Senior Actuarial Manager Position Overview We are seeking a detail-oriented and experienced Property & Caution Underwriter to evaluate ...

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Senior Underwriter information

See Rialto, CA salary details

$37.1K

$106.9K

$133.9K

How much do senior underwriter jobs pay per year?

As of Sep 3, 2026, the average yearly pay for senior underwriter in Rialto, CA is $106,897.00, according to ZipRecruiter salary data. Most workers in this role earn between $98,800.00 and $116,800.00 per year, depending on experience, location, and employer.

What does a senior underwriter do?

A Senior Underwriter is responsible for assessing and evaluating the risks involved in insuring individuals or assets and determining appropriate terms and premiums for insurance policies. They analyze complex applications, review financial statements, and use industry guidelines to make informed decisions. Senior Underwriters often handle higher-value or more complicated cases than junior staff, and they may also mentor less experienced underwriters and help develop underwriting policies. Their expertise helps insurance companies manage risk and maintain profitability.

What does a senior underwriter do?

As a senior underwriter, your responsibilities are to oversee the insurance or loan application process at an insurance company or financial institution. Your duties include deciding when to offer a policy, assessing the risk of a potential customer, and ensuring the company has adequate funds to finance each claim an account makes (whether that is paying out insurance claims or extending a line of credit). Senior underwriters often consider whether it is appropriate to offer a loan, coordinate with a bank on complex customer issues, proactively search for ways to reduce the risk of future claims, and participate in strategy meetings with staff. A significant amount of underwriting is automated, so you typically focus on cases that are too complex to be evaluated by existing algorithms.

What are some common challenges senior underwriters face when assessing complex risk profiles?

Senior Underwriters often encounter challenges when evaluating complex risk profiles, such as insufficient or ambiguous client data, rapidly changing market conditions, and evolving regulatory requirements. Balancing the need to be competitive with maintaining sound risk management practices requires in-depth analysis and strong judgment. Collaboration with actuaries, legal teams, and client managers is frequently necessary to make well-informed decisions, and effective communication skills are key to explaining underwriting decisions to stakeholders.

What is the difference between Senior Underwriter vs Underwriter?

AspectSenior UnderwriterUnderwriter
CredentialsTypically requires 5+ years of experience, relevant certifications (e.g., CPCU, ARM)Entry to mid-level experience, often with similar certifications or on-the-job training
Work EnvironmentSenior-level decision-making, mentorship, complex risk assessmentPerforming standard risk evaluations, supporting senior staff
Industry UsageUsed across insurance sectors like property, casualty, healthCommonly used in same sectors, often as entry or mid-level roles

Senior Underwriters typically have more experience, handle complex cases, and mentor junior staff, whereas Underwriters focus on standard risk assessments and supporting senior team members. Both roles are essential in the insurance industry, with the senior position requiring advanced credentials and experience.

More about Senior Underwriter jobs

What are the most commonly searched types of Underwriter jobs in Rialto, CA?

The most popular types of Underwriter jobs in Rialto, CA are:

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For Senior Underwriter jobs in Rialto, CA, the most frequently searched job titles are:

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Cities near Rialto, CA with the most Senior Underwriter job openings:

Senior Underwriter jobs near you
Infographic showing various Senior Underwriter job openings in Rialto, CA as of August 2026, with employment types broken down into 97% Full Time, 2% Part Time, and 1% Contract. Highlights an 59% Physical, 11% Hybrid, and 30% Remote job distribution, with an average salary of $106,897 per year, or $51.4 per hour.

Senior Underwriter

LBC Mortgage

Orange, CA • On-site

$105K - $124K/yr

Full-time

Re-posted 26 days ago

Job description

About LBC Mortgage

LBC Mortgage is a Los Angeles–based mortgage company with over 20 years of industry experience. Our Private Lending Division is rapidly growing and focused on funding real estate investor loans nationwide, including Fix & Flip, Bridge, DSCR, and Ground-Up Construction.

We are looking for an experienced Senior Hard Money Underwriter who can independently underwrite complex deals, support junior underwriters, and ensure strong credit and collateral decisions while keeping the pipeline moving quickly.

Key Responsibilities
  • Independently underwrite and approve Hard Money / Private Money loans (Fix & Flip, Bridge, DSCR, Ground-Up, Cash-Out, etc.)
  • Review full loan packages including borrower profile, entity structure, credit, liquidity, and exit strategy
  • Analyze collateral, appraisals, comps, market conditions, rehab budgets, and timelines
  • Calculate and validate LTV, ARV, LTC, and deal profitability
  • Identify risk factors early and provide clear recommendations to leadership
  • Issue approvals, conditions, and exceptions in line with company guidelines
  • Collaborate with Loan Officers, Processors, and Closing teams to ensure fast turn times
  • Assist in training, mentoring, and supporting junior underwriters
  • Participate in improving underwriting processes, policies, and efficiency
  • Ensure loan files meet internal requirements and compliance standards
Requirements
  • 4+ years of Hard Money / Private Money underwriting experience (required)
  • Strong expertise in ARV underwriting, rehab budgets, and investor deal analysis
  • Proven experience underwriting Fix & Flip and Bridge loans at volume
  • Strong knowledge of appraisals, title, insurance, entity documentation, and real estate investor structures
  • Ability to work independently and make confident credit decisions
  • Strong communication skills with internal teams, brokers, and borrowers
  • Highly organized with strong attention to detail and deadline management
Preferred Qualifications
  • Experience underwriting Ground-Up Construction loans
  • Experience underwriting DSCR / rental portfolio loans
  • Background in mortgage underwriting is a plus
  • Familiarity with Encompass, Calyx, or other loan origination systems
Why Join LBC Mortgage
  • Stable company with 20+ years in the lending industry
  • Rapidly growing Private Lending Division with strong deal flow
  • Competitive compensation based on experience
  • Remote flexibility
  • Opportunity to grow into Underwriting Manager / Credit Lead role
  • High-impact position with direct influence on loan quality and performance