Sr. Loan Officer - DSCR

Crebrid+WCL • Dallas, TX

24d • Hybrid

About The Position

The DSCR Senior Loan Officer will be responsible for originating, structuring, and closing Debt Service Coverage Ratio (DSCR) loans, including both purchase and refinance transactions. The ideal candidate understands non-QM lending guidelines within the hard money lending industry, and can confidently work with clients while thriving in a fast-paced, production-driven environment.

Requirements

• Bachelor’s degree preferred; equivalent professional experience in real estate finance will be considered
• Minimum of five (5) years of sales experience, including at least two (2) years in hard money lending, asset-based lending, mortgage lending, or real estate investment
• Comprehensive knowledge of loan origination, real estate finance, collateral valuation, private lending products, investor requirements, investment properties, LLCs, and applicable regulatory considerations
• Experience building and maintaining strong relationships with clients, real estate investors, brokers, and referral partners
• Demonstrated expertise in structuring short-term real estate loans, and assessing asset-based risk, with a proven ability to structure loans creatively within program guidelines
• Advanced sales and marketing capabilities with a proven ability to develop and maintain a strong high volume pipeline
• Consistently meet or exceed monthly production and funding goals

Nice To Haves

• Familiarity with CRM and LOA systems and platforms

Responsibilities

• Originate and manage DSCR loan applications from initial inquiry through funding
• Evaluate client's eligibility based on property cash flow, DSCR calculations, and asset-based underwriting
• Educate client's on loan programs, terms, rates, and expectations
• Collect and review required documentation, including leases, rent rolls, appraisals, and entity documentation
• Collaborate with processing, underwriting, and closing teams to ensure timely loan closings
• Maintain compliance with federal, state, and company lending regulations
• Build and maintain strong relationships with clients, brokers and referral partners
• Consistently meet or exceed monthly production and funding goals

Benefits

• Comprehensive medical, dental, and vision coverage with employer-subsidized premiums
• Company-sponsored 401(k) retirement plan
• Paid time off (PTO), including vacation, sick time, and company-recognized holidays
• Employer-paid basic life insurance with optional supplemental coverage
• Annual performance-based bonus eligibility, where applicable
• Professional development, learning opportunities, and room to grow in your career
• Flexible or hybrid work arrangements, subject to role requirements

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level