Loan Officer

We’re growing fast and looking for driven, dialed-in Loan Officers who want to build something special. At Arch Capital, we lend for real estate investors, by real estate investors. We’re not a bank. We’re creative, fast, and focused on helping clients scale, whether it’s a fix and flip, a multifamily purchase, or a cash-out refinance.

• We have the leads.
• We have the systems.
• We have the team.
• Now we just need you. If you’re a savvy salesperson who thrives in a fast-paced, high-growth environment and you love helping real estate investors win with smart, strategic lending, this is the place for you. We specialize in Non-QM lending, including DSCR, fix and flip, bridge, and 30-year rental loans. You’ll work with experienced operators who have built and scaled real portfolios, and you’ll help clients do the same. We’re looking for people who :
• Love the art and science of creative lending
• Want to grow personally and professionally
• Value long-term relationships over one-time transactions
• Believe in winning together as a team If you’re hungry, coachable, and ready to help clients and yourself reach the next level, we want to talk to you. Apply today and let’s build something great together. Responsibilities : Evaluate and Structure Non-QM Loans
• Specialize in structuring Non-QM loan products, including DSCR (Debt Service Coverage Ratio) loans, bank statement programs, and asset-based lending solutions tailored for real estate investors. Analyze Complex Financial Scenarios
• Review and interpret non-traditional income sources such as business tax returns, rent schedules, lease agreements, and large property portfolios to assess borrower eligibility and loan viability. Consult Directly with Borrowers
• Discuss loan terms, interest rates, and financial structures directly with clients to optimize loan performance and align solutions with their investment goals. Build and Nurture Relationships
• Develop strong partnerships with real estate investors, brokers, referral sources, and other industry stakeholders to drive business growth and repeat opportunities. Educate Borrowers on Non-QM Products
• Clearly explain the features, benefits, and qualification criteria of various Non-QM programs to borrowers, guiding them through the entire lending process. Structure Custom Loan Solutions
• Utilize your product knowledge to creatively structure loans using DSCR, bank statement, asset depletion, and foreign national programs based on the borrower's unique financial profile. Stay Current on Market Trends
• Keep up-to-date with evolving Non-QM guidelines, investor requirements, market shifts, and competitor offerings to maintain a competitive edge. Manage Loan Pipeline Effectively
• Oversee active files from initial application to closing. Coordinate with internal teams (processors, underwriters) and third-party partners to ensure documentation is timely, conditions are cleared, and closings stay on schedule. Provide Exceptional Client Communication
• Maintain proactive, transparent communication with all stakeholders throughout the loan process. Anticipate and resolve issues quickly to avoid delays and ensure a seamless borrower experience. Qualifications : Required Qualifications
• Minimum 3 years of mortgage lending experience
• Strong understanding of investment property analysis and DSCR calculations
• Experience with self-employed borrower income analysis and bank statement programs
• Knowledge of secondary market guidelines and investor requirements
• Excellent financial analysis and problem-solving skills
• Strong communication and interpersonal abilities
• Driven and goal-oriented
• Someone who loves to win but loves it even more when the whole team wins together
• Must be a team player Preferred Qualifications
• Knowledge of construction lending and renovation programs
• Established network of real estate investors and industry professionals
• Experience with CRM systems and loan origination software Compensation : $200,000+
• Evaluate and Structure Non-QM Loans
• Specialize in structuring Non-QM loan products, including DSCR (Debt Service Coverage Ratio) loans, bank statement programs, and asset-based lending solutions tailored for real estate investors.Analyze Complex Financial Scenarios
• Review and interpret non-traditional income sources such as business tax returns, rent schedules, lease agreements, and large property portfolios to assess borrower eligibility and loan viability.Consult Directly with Borrowers
• Discuss loan terms, interest rates, and financial structures directly with clients to optimize loan performance and align solutions with their investment goals.Build and Nurture Relationships
• Develop strong partnerships with real estate investors, brokers, referral sources, and other industry stakeholders to drive business growth and repeat opportunities.Educate Borrowers on Non-QM Products
• Clearly explain the features, benefits, and qualification criteria of various Non-QM programs to borrowers, guiding them through the entire lending process.Structure Custom Loan Solutions
• Utilize your product knowledge to creatively structure loans using DSCR, bank statement, asset depletion, and foreign national programs based on the borrower's unique financial profile.Stay Current on Market Trends
• Keep up-to-date with evolving Non-QM guidelines, investor requirements, market shifts, and competitor offerings to maintain a competitive edge.Manage Loan Pipeline Effectively
• Oversee active files from initial application to closing. Coordinate with internal teams (processors, underwriters) and third-party partners to ensure documentation is timely, conditions are cleared, and closings stay on schedule.Provide Exceptional Client Communication
• Maintain proactive, transparent communication with all stakeholders throughout the loan process. Anticipate and resolve issues quickly to avoid delays and ensure a seamless borrower experience.

Compensation : $200,000 per year