Senior Underwriter

CIVIC Redondo Beach, California


Founded in 2014 by it’s parent companies Wedgewood Inc. and HMC Assets LLC, CIVIC Financial Services is a well-capitalized lending-arm of the Wedgewood Companies.  CIVIC is a fast growing lender and plays a critical role in the vertically integrated real estate company located in North Redondo Beach.  Wedgewood is a buyer of distressed residential real estate and has completed more than 25,000 fix and flip transactions since its inception.  CIVIC was started to provide synergistic opportunities within the company and to fund business purpose and residential investment loans for real estate buyers and investors. 

Facilitates the underwriting function to ensure continuous production of business products that are compliant with all regulations of law and internal company principles. This role is a Tear 5 Underwriter per CIVIC’s Authority Matrix with the ability to underwrite loan amounts up to $500,000.

What you'll do:

  • Prepare careful, detailed analysis of loan packages to determine if a potential borrower presents an appropriate level of risk.
  • Maintain full knowledge of CIVIC’s policies and procedures, using this knowledge to make sound judgements on every package reviewed.
  • Ensure a high level of understanding of business products, process flow, and financial underwriting practices.
  • Evaluate applications for loans and make decisions regarding whether to approve for financing.
  • Performs all necessary functions to effectively and efficiently process underwriting role.
  • Communicates areas of accountability and performance expected of personnel assigned.
  • Fosters a cooperative and harmonious working climate conductive to maximize employee morale and productivity.
  • Performs other duties and responsibilities as required or requested.
What you'll need:
  • 5 years underwriting experience
  • Strong verbal and written communication skills
  • High level of detail
  • Ability to project manage and complete tasks on time
  • Communication Proficiency.
  • Decision Making.
  • Discretion.
  • Ethical Conduct.
  • Financial Management.
  • Organizational Skills.
  • Personal Effectiveness/Credibility.
  • Presentation Skills.
  • Problem Solving/Analysis.
  • Technical Capacity.
What's in it for you:
Wedgewood offers our team members a competitive compensation, 401K, and traditional benefits like medical, dental, and vision.  We also have many additional perks:
• Company Sponsored Outings: Past events have included sporting events, happy hours, parking lot BBQs, bowling and bocce ball tournaments, office theme parties, and more.
• In-house Investment Programs: Participate in the growth and profitability of the company through our in-house investment programs. We also offer home ownership & loan programs.
• Contribute to Your Community: Through our volunteer service, sustainable initiatives, charitable giving, and work with local universities, Wedgewood provides opportunities throughout the year for its employees to give back to the community for the greater good.
Wedgewood occupies 50,000 square feet in a state of the art headquarters in Redondo Beach, California and was named Company of the Year by the city in 2015. We also have multiple locations around the country. Wedgewood is an Equal Opportunity Employer and welcomes applications from all suitably qualified persons regardless of their race, sex, disability, religion/belief, sexual orientation or age. We look forward to hearing from you!

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Company: Civic Financial Services