DSCR Loan Processor

Backflip is a venture-backed FinTech committed to becoming the leader in residential real estate investment financing. Our vision is to increase people’s love for their communities by investing in housing and improving the physical world. To do that, we need people who are inspired to modernize real estate investing by connecting entrepreneurs with sophisticated capital. Backflip’s capital product menu primarily consists of fix and flip financing (RTL), and we are actively expanding into single family rental loans (DSCR), business-purpose HELOC, and related products.

The DSCR Loan Processor is an experienced individual contributor responsible for owning end-to-end execution across the DSCR pipeline, from Initial Processing through Clear to Close. This role is accountable for loan progression, cycle time, and borrower experience outcomes, while contributing to the development and scalability of Backflip’s DSCR processing operation.

This is a hands-on execution role for a seasoned DSCR processor who operates with minimal oversight, maintains production velocity in a fast-changing environment, and serves as a trusted execution partner to borrowers, Sales, Underwriting, and Product.

This position reports to the Processing Manager and offers the opportunity to help build and scale a growing DSCR platform within an established and well-capitalized tech-enabled lender. This is a remote role, with a preference for candidates located in Austin, TX or Charlotte, NC to support collaboration and team connection.

What You’ll Do

• Own DSCR loans from Initial Processing through Clear to Close, managing a full active pipeline independently

• Consistently move loans to close while maintaining a ≤25-day median intake-to-close cycle time

• Actively drive condition clearing, document collection, and third-party coordination to prevent stalls and rework

• Use DSCR product knowledge to anticipate guideline issues, income gaps, and borrower friction before they delay closing

• Communicate DSCR requirements clearly to borrowers, brokers and internal stakeholders, setting expectations early and reinforcing them throughout the file. This role occasionally supports borrowers outside standard hours.

• Partner closely with Sales, Underwriting, and Capital Markets to resolve issues and keep loans moving

• Absorb product and process changes quickly without disrupting pipeline execution

• Contribute practical feedback to DSCR playbooks and workflows based on real execution experience

• Maintain clean, complete, decision-ready files that require minimal cleanup downstream

Qualifications

• 2+ years of direct experience processing DSCR loans from intake through close

• Proven ability to independently manage a high-volume DSCR pipeline, including demonstrated production velocity (e.g., closing ~25 DSCR loans in a month)

• Strong working knowledge of DSCR guidelines, rental income analysis, entity borrowers, guarantors, and common execution risks

• Clear, confident communicator who can set and reinforce DSCR requirements and timelines with borrowers and internal partners

• Demonstrated ability to balance speed, quality, and borrower experience in a production environment

• Highly organized with strong judgment around prioritization, escalation, and issue resolution

• Comfortable operating in a fast-changing environment with evolving guidelines and processes

• Tech-forward and proficient with LOS, document management systems, and Slack-first communication

• 1+ year of experience working in a remote or distributed environment

• Self-directed, accountable operator who consistently owns outcomes and follows through

• Thrives on teams that value clear communication, accountability, and collaboration

This candidate will champion Backflip’s culture & Core Values:

• Raise the Bar: We pursue operational excellence with focus, follow-through, and a persistent drive to get 1% better every day. We use technology to design best-in-class processes and systems. We invest our time wisely and take pride in our work. Great work compounds.

• Act Like an Owner: We are proactive and act in the long-term interest of the company. When we see something that can be improved, we take initiative. We are accountable - we follow through on commitments, own outcomes, and take responsibility for both the work and the result.

• Relationship Driven: We show up for our teammates and partners with respect, clarity, and candor. We build deep, mutually-beneficial relationships through thoughtful communication, elevated experiences, consistent reliability, and alignment of interests.

• Stay Curious: We ask questions, seek context, and challenge assumptions in search of a better way. We value learning over knowing and progress over perfection. Curiosity drives how we test new ideas, learn from mistakes, and continuously improve as individuals and as a company.

Compensation for this role includes a base salary of $60,000 - $65,000 and an overall OTE of $85,000 - $90,000 (based on experience). In addition to a competitive market salary, Backflip employees receive equity stock options, paid health care, and a 401K + company match, among other industry-leading benefits.

Backflip is an equal opportunity employer. We know that building a world-class organization is not possible without an intentional focus on recruiting, empowering, promoting and rewarding the best and brightest people of all backgrounds. Backflip focuses on hiring individuals that align with its Core Values (listed above), and consistently display a high ethical standard, both personally and professionally.

This role is not eligible for visa sponsorship.