Senior Loan Originator - Seattle RTL/DSCR

Spreo Capital; Seattle (WA); On-site; USD 70,000 - 250,000; Full time

Benefits offered by this job

Full benefits package

401(k) eligibility

Commission-based with upside

Remote-friendly environment

Job summary

Spleo Capital is seeking an experienced Senior Loan Originator to drive RTL and DSCR loan production in the Seattle market. This highly autonomous role emphasizes sourcing, structuring, and closing loan opportunities with an existing network of investors and brokers.

Candidates should demonstrate a track record of $4-5MM+ monthly origination, a robust Seattle-area book of business, and the ability to work remotely in a fast-paced, performance-driven environment.

Qualifications

• Experience originating residential transitional loans (RTL).
• Proven origination production of ~$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 Seattle market.
• Strong understanding of loan structuring, valuation, and deal screening.
• Solid foundation in Finance, including cash flow analysis and DSCR calculations.
• Track record of managing pipeline and maintaining steady production.
• Strong client communication skills with a consultative, relationship-driven sales approach.
• Self-starter in a fully remote, high-volume, performance-driven environment.
• Ability to provide production history or deal summaries during interviews.
• Existing, transferable book of business within the Seattle area.
• Bachelor’s degree in Finance, Business, Real Estate, or related field preferred.

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 Seattle market.
• Build and manage a consistent pipeline of RTL and DSCR loan opportunities.
• Structure financing solutions and present terms aligned with Spreo Capital’s credit guidelines.
• Analyze loan scenarios, including borrower profile and deal feasibility.
• Guide clients through the full loan lifecycle from inquiry to closing.
• Issue letters of intent (LOIs) and manage borrower communication throughout the process.
• Collaborate with underwriting and credit teams to 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 as an advisor, not just a transaction facilitator.

Skills

RTL experience

DSCR knowledge

Real estate finance

Pipeline management

Relationship building

Self-starter

Remote work experience

Credit analysis

Education

Bachelor’s degree in Finance/Real Estate

Job description

Spleo Capital is seeking an experienced Senior Loan Originator to drive RTL and DSCR loan production in the Seattle market. This highly autonomous role emphasizes sourcing, structuring, and closing loan opportunities with an existing network of investors and brokers.

Candidates should demonstrate a track record of $4-5MM+ monthly origination, a robust Seattle-area book of business, and the ability to work remotely in a fast-paced, performance-driven environment.