Loan Officer – Digital DSCR, Business-Purpose Loans

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🔥 3 hours ago

🏄 California, New York – Remote

🏄 California – Remote 🗽 New York – Remote

⏰ Full Time

🟢 Junior

🟡 Mid-level

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Saaf Finance

WebsiteLinkedInAll Job Openings

11 - 50 employees

Founded 2022

💳 Fintech

🤖 Artificial Intelligence

☁️ SaaS

Fintech • Artificial Intelligence • SaaS

Saaf Finance is an AI-driven underwriting platform for mortgage lenders. Saaf’s AI Underwriter automates mortgage underwriting across products such as Non-QM, RTL, HELOC, DSCR, Jumbo, and Bank Statement loans, using OCR, large language models, and API integrations with data vendors and loan origination systems (e. g. , Encompass, MeridianLink). The platform produces structured “Source of Truth” loan data, reduces fraud risk through direct data connections, and claims substantial operational gains (faster processing, lower cost, and greater scalability). Saaf positions itself as a B2B partner to mortgage operations and secondary market participants, leveraging a training set of 200K+ loans and decades of industry experience to augment underwriters rather than replace them.

📋 Description

• Build and grow a retail investor pipeline. Prospect and nurture relationships with real-estate investors and small-business owners, and maintain a network of referral partners such as realtors and accountants. • Use predictive analytics and AI tools to qualify borrowers. Our platform helps you identify high-potential prospects and pre-populate applications, so you can focus on advising rather than data entry. • Explain loan options and terms clearly. Guide borrowers through DSCR, bridge and other non-QM products, explaining how qualifying based on property earnings can be advantageous. • Deliver outstanding client service. Build rapport, respond to questions promptly, provide regular updates and maintain an active pipeline that meets or exceeds production goals. • Provide feedback to our product team. Participate in feedback loops to refine our AI underwriting and digital workflow.

🎯 Requirements

• 2+ years of experience originating residential or commercial mortgages; DSCR or non-QM experience is strongly preferred. • Active NMLS license and a track record of complying with federal and state lending regulations. • Deep knowledge of DSCR, bridge, fix-and-flip and other investor-focused products. • Tech-savvy and comfortable using AI tools, CRMs and digital communication platforms. • Excellent communication and interpersonal skills; able to build trust with sophisticated investors as well as first-time landlords. • Strong quantitative and analytical ability; able to interpret DSCR ratios, cap rates and other real-estate metrics. • Bachelor's degree in finance, business, real estate or a related field, or equivalent experience would be preferred.

🏖️ Benefits

• AI as your growth partner. Streamline lead qualification, pricing and communication using our proprietary AI platform. • Speed is your advantage. Our AI underwriting reduces turnaround times by up to 80% and our digital DSCR program aims for five-day closings. • Human + machine synergy. We amplify, not replace — your expertise remains at the center of each loan. • Remote flexibility. Work from anywhere and access a unified digital dashboard with real-time insights. • Frontier industry growth. Be part of the first wave of AI-native mortgage lending. • Investor-minded culture. We think like investors because we serve investors.