Senior Loan Processor

About DreamPoint Capital
DreamPoint Capital is a private real estate lending brokerage specializing in DSCR (debt service coverage ratio) loans, residential transition loans (RTL/fix-and-flip), bridge financing, and commercial loan placements for real estate investors across the United States. We work with a deep network of institutional and private capital lenders to match borrowers with the right loan program and close transactions quickly.
We're a lean, technology-forward team. Our reps use proprietary AI-powered scenario matching, an AI receptionist, and modern loan workflow tooling — we expect our processors to be comfortable in that environment and contribute to making it better.

The Role
We're hiring an experienced loan processor to own files from submission through funding. You'll be the operational backbone between our reps, borrowers, and lenders — collecting conditions, structuring deals correctly the first time, and pushing files to close on tight investor timelines.
This is not an entry-level role. We need someone who can read a tri-merge, spot a DSCR shortfall, anticipate what a lender will ask for before they ask, and run multiple files in parallel without dropping balls.
What you'll do

Manage a pipeline of 15–25+ active DSCR, RTL, and bridge loan files concurrently from intake through funding
Review borrower intake packages for completeness — entity docs, credit, liquidity, experience, schedule of real estate owned, lease agreements, rent rolls, purchase contracts, rehab budgets, insurance binders
Order and review third-party reports: appraisals, BPOs, title commitments, flood certs, payoff statements, HOA estoppels
Calculate and verify DSCR, LTV, LTC, ARV, and debt yield against each lender's specific guideline matrix
Coordinate with title companies, attorneys, insurance agents, and lender underwriters to clear conditions
Prep clean submission packages and respond to lender conditions with precision and speed
Track every file in our loan management system; keep status notes current so reps and borrowers always know where things stand
Review closing disclosures and settlement statements for accuracy before close
Flag deal-killers early — title issues, appraisal gaps, entity structure problems, seasoning issues, recognition agreement requirements on co-op collateral
Contribute to process improvement — if a workflow is broken, you tell us and help fix it

What you need

5+ years of loan processing experience, with at least 2 years in non-QM, DSCR, fix-and-flip, bridge, or commercial real estate lending (this is non-negotiable — conventional/agency-only experience is not a fit)
Working knowledge of US private lending guidelines from at least a few of: Kiavi, Lima One, RCN, Roc Capital, Velocity, Visio, Constructive, LendingOne, Builders Capital, or similar
Comfort with entity-titled loans (LLC, LP, corporation), personal guarantees, and the documentation that comes with them
Sharp Excel skills — you can build a quick DSCR calc, reconcile a settlement statement, and audit a rent roll without complaint
Excellent written English — you will be in direct email and Slack contact with US-based lenders, attorneys, and borrowers
Strong reading comprehension for legal and financial documents — title commitments, operating agreements, leases, purchase contracts
Self-directed work style; you don't need someone standing over you to hit deadlines
Reliable home office: stable high-speed internet, quiet environment, backup power, modern computer
Available for at least 4 hours of overlap with US Eastern time daily

Nice to have

Experience with co-op collateral, ground leases, or other complex collateral structures
Familiarity with TRID, RESPA, and basic compliance frameworks (even though most of our products are business-purpose and exempt)
Prior experience at a US-based lender, broker, or BPO supporting US lending operations
Comfort with modern tools: Slack, Notion, Google Workspace, AI tools (ChatGPT/Claude), and willingness to learn our internal apps
Exposure to title work, escrow coordination, or insurance review

What we offer

Competitive USD-denominated salary commensurate with experience (target range disclosed in first interview)
Performance bonuses tied to closed loan volume and file cycle time
Paid time off and Philippine holidays observed
Equipment stipend
Direct access to founder and senior team — your work has visible impact on the business
Growth path into senior operations, team lead, or underwriting roles as we scale

How to apply
Send a resume and a brief cover note describing the most complex loan file you've ever processed — what made it hard, and how you got it closed — to [email]. Please include "Senior Loan Processor — [Your Name]" in the subject line.
Candidates who pass initial screen will complete a paid case study using a real (anonymized) DSCR scenario before any final interviews.