Job Description

Job Description

Job Description

Are you a savvy-salesperson who thrives in a fast-paced, high-growth environment? Do you love helping real estate investors win with creative lending solutions? We’re looking for a passionate and driven Loan Officer who understands the world of Non-QM lending—someone who knows how to structure smart, strategic loans for savvy real estate pros and self-employed borrowers.

At Arch Capital, we move fast, think big, and focus hard on client success. If you’re hungry to grow your career, work with experienced operators, and help clients scale their real estate empires with confidence, we want to meet you.

We are looking for individuals looking to form meaningful business relationships and long term growth.

$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.

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

Arch Capital is a fast-growing private lender built by real estate investors, for real estate investors. We specialize in DSCR, bridge, and non-QM loans that help professionals scale with speed and confidence. Our team includes industry veterans, a top-tier processing partner, and a culture focused on clarity, service, and results.

We have a deep pipeline, world-class inbound marketing, and an incredible operations and sales team. At Arch, you’ll work in a fast-paced environment where your expertise drives real impact for borrowers who are building serious portfolios.

This is not just another mortgage shop; it’s a business built to win.

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