Senior Loan Originator

Spreo Capital; Boston (MA); On-site; USD 60,000 - 70,000; Full time

Benefits offered by this job

Fully remote role

Competitive compensation with high OTE

Job summary

Spreo Capital is seeking an experienced Senior Loan Originator to drive loan production across the Boston market. This highly autonomous role focuses on sourcing, structuring, and closing RTL and DSCR loans for investors and developers.

Ideal candidates bring an established Boston network and a proven track record of $50–60MM+ annual production, with the ability to work remotely while building a strong local pipeline.

Qualifications

• Experience originating residential transitional loans (RTL).
• Proven production of ~$50–60MM+ annually with consistency.
• Independently source and close deals without inbound leads.
• Established Boston market network of investors, developers, or brokers.
• Strong loan structuring, valuation, and deal screening knowledge.
• Finance foundation including DSCR calculations and real estate metrics.
• Proven pipeline management and steady production.
• Consultative, relationship-driven client communication.

Responsibilities

• Generate deal flow and manage loan transactions, focusing on screening and structuring.
• Source and develop relationships with real estate investors, developers, and brokers in Greater Boston.
• Build and manage a pipeline of RTL and DSCR loan opportunities.
• Structure financing solutions and present terms per credit guidelines.
• Analyze loan scenarios, borrower profile, property value, and feasibility.
• Guide clients from inquiry to closing and issue LOIs as needed.
• Collaborate with underwriting and credit teams to move deals toward closing.
• Maintain referral partnerships to sustain deal flow and market feedback.
• Represent Spreo Capital in a consultative manner to advise borrowers.

Skills

RTL experience

DSCR loans

Loan origination

Relationship building

Financial analysis

Boston market network

Pipeline management

Communication skills

Remote working

Education

Bachelor's degree in Finance/Business/Real Estate

Job description

Spreo Capital is a non-bank real estate lender specializing in bridge, renovation, ground-up construction and DSCR loan solutions for property investors and developers. The firm focuses on providing flexible, tailored financing for a wide range of investment strategies and asset types. Since its inception, Spreo Capital has originated almost $2 billion in RTL and DSCR loans, demonstrating strong market presence and lending expertise. Team members work in a fast-paced, deal-driven environment with opportunities to contribute directly to the company’s growth. The organization values analytical rigor, client service, and collaborative problem-solving across all levels. The firm is entering a strong growth phase, focused on scaling its origination team and expanding into key markets.

Role Description:

We are seeking an experienced Senior Loan Originator to drive loan production across the Boston market. This is a highly autonomous, revenue-generating role focused on sourcing, structuring, and closing investment real estate loans with experienced borrowers. The position is best suited for a proven originator who thrives in a performance-driven environment, brings an existing network of relationships, and is comfortable building and managing their own pipeline.

Responsibilities

• Generate deal flow and manage loan transactions with a focus on screening & loan structuring
• Source and develop relationships with real estate investors, developers, and brokers within the Greater Boston market
• Build and manage a consistent pipeline of residential transitional (RTL) and Debt Service Coverage Ratio (DSCR) loan opportunities
• Structure financing solutions and present terms aligned with Spreo Capital’s credit guidelines
• Analyze loan scenarios, including borrower profile, property value, and deal feasibility
• Guide clients through the full loan lifecycle from initial inquiry to closing
• Issue letters of intent (LOIs) and manage borrower communication throughout the process
• Partner with underwriting and credit teams to efficiently move deals toward closing
• Maintain and expand referral partnerships to support ongoing deal flow
• Provide feedback on market conditions, borrower needs, and competitive dynamics
• Represent Spreo Capital in a consultative manner, acting as an advisor—not just a transaction facilitator

Required Qualifications

• Experience originating residential transitional loans (RTL)
• Proven origination production of approximately $4-5MM+ per month (~$50–60MM+ annually) with consistency
• Ability to independently source and close deals without reliance on inbound leads
• Established network of real estate investors, developers, or broker relationships in the Boston market
• Strong understanding of loan structuring, valuation, and deal screening
• Solid foundation in Finance, including cash flow analysis, DSCR calculations, and real estate metrics
• Track record of managing pipeline and maintaining steady production
• Strong client communication skills with a consultative, relationship-driven sales approach
• Self-starter comfortable operating in a fully remote, high-volume, performance-driven environment
• Ability to provide production history or deal summaries during later stages of the interview process
• Existing, transferable book of business within the Boston area
• Bachelor’s degree in Finance, Business, Real Estate, or a related field preferred

Nice-To-Haves

• Experience originating both RTL and DSCR loans
• Interest in building or mentoring a team over time
• Strong consultative approach with real estate investors and repeat borrowers
• Fully remote role based in the Boston area
• Candidates should be located within the market to support relationship development
• Limited travel (<5%) including occasional internal meetings and industry events
• Competitive base salary starting in the $60-70k range with potential flexibility based on production history and experience
• Commission-driven compensation with significant upside tied to deal volume
• 12-18 month OTE potential of $250K+ once ramped; substantial upside for top producers
• Flexible compensation structure, including optional draw arrangements
• Full benefits package including medical, dental, and paid time off
• 401(k) eligibility after first year

Why Join Spreo Capital

• High-growth platform backed by institutional capital and aggressive expansion plans
• Opportunity to operate as a true business builder with autonomy over your pipeline
• Ability to scale your production within a growing lending platform
• Exposure to a wide range of real estate investment strategies and loan products
• Clear path for high performers to grow into team-building or leadership roles