CIVIC Redondo Beach, California Irvine, California Calabasas, California Los Angeles, California


CIVIC Financial Services is an industry leading private money lender focused on providing short and long term debt for Residential and Commercial real estate investors. CIVIC was started to provide common sense financing for real estate entrepreneurs and has funded over $2.5 Billion in loans since its inception. CIVIC was recognized as a “Great Place to Work” (two years in a row), as published by Fortune. Also, Bill Tessar, (CIVIC’s CEO) was identified as an Executive leading the housing industry by HousingWire’s Vanguard Awards in 2018.

At CIVIC – our people and partners are our primary focus. We are driven, innovative, optimistic, and energized professionals who are changing the face of the private lending industry. CIVIC’s energized environment and the backing of our specialized teams provides exciting opportunities for you to advance in your career.

As an Underwriter you will be the financial expert that assesses CIVIC’s financial risk on a potential borrower and is ultimately responsible for approving or denying mortgage loans. The primary function of our Underwriters is facilitating 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 Tier 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 judgement 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 conducive 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 and credibility
  • Presentation skills
  • Problem solving and analysis
  • Technical capacity

What’s in it for you?

We have a strong focus on going above and beyond when it comes to caring for our team members and our communities. In addition to traditional benefits like health insurance, 401K matching, casual Fridays, paid vacation, holidays and sick leave, we’re proud to offer these unique and enriching work perks:

  • Celebrations: When we say we “work hard and play hard,” we mean it! We like to celebrate often via onsite and offsite happy hours, themed parties, parking lot BBQ's, milestone ceremonies, pot lucks, and Workout Tuesdays (to name a few).
  • Investments:As we're in the lending space, we believe we should consistently and frequently invest in our CIVIC team. We give away money every month to help our teammates pay off student debts, participate in our loan and lending accounts, and reward them for their “grand ideas” that make CIVIC better.
  • Comfortable Spaces:We like to make sure our teammates are well fed and can “find their zen” while at the office. Our kitchens are stocked with free snacks and beverages, in addition to catered breakfasts on Fridays and catered lunches multiple days per month. Many of our branches also have dedicated break spaces that are quite, serene and perfect for relaxing.
  • Education:Every other Tuesday, we encourage our team to take “900 Seconds of Genius" (15 minutes) to focus on a passion project or topic that helps them grow. We also offer an online curriculum of courses through our own CIVIC University.
  • #CIVICCares Initiative:From beach cleanups, to food and clothing drives, to building homes for Habitat for Humanity, CIVIC provides several opportunities throughout the year for our team to step outside the office, bond, and come together to give back to our local communities.

Check us out on The Muse.

Company: Civic Financial Services