Commercial Loan Officer - Owner/User & Seller Financing (In-Office)

Commercial Loan Officer – Owner/User & Seller Financing (In-Office, Broker-Facing Role)

Location: Ontario, CA
Work Model: In-office (required) | Broker & Agent Training Responsibilities

Are you a commercial lender who thrives on face-to-face dealmaking, owner/user transactions, and educating brokers and clients?

We are launching a new Commercial Lending Division and are seeking an experienced Commercial Loan Officer with deep owner-user and seller/user finance experience to help build and lead this effort alongside our commercial real estate brokerage.

This role is ideal for a lender who enjoys being embedded in the brokerage environment, collaborating daily with agents, and serving as a trusted financing expert — not someone looking for a remote or purely transactional role.

What You’ll Do

• Originate and structure owner-user, seller/user, and commercial real estate loans, including complex financing scenarios.
• Work onsite in our Ontario office, partnering directly with commercial brokers and leadership.
• Deliver in-person financing trainings and deal-structuring sessions for agents to increase loan velocity and referral quality.
• Leverage built-in deal flow from an active commercial brokerage while continuing to grow your own pipeline.
• Serve as the go-to financing authority for agents, owners, and investors.
• Help shape processes and best practices as we build the lending division from the ground up.

This Role Is a Strong Fit If You:

• Have hands-on experience with owner-user and seller/user financing in commercial real estate.
• Are comfortable leading live, in-office trainings and explaining financing concepts to brokers and clients.
• Prefer working in-office, collaborating closely with agents rather than operating remotely.
• Enjoy relationship-based lending and being visible within a brokerage environment.
• Want long-term growth potential, influence, and leadership opportunities — not just transactions.

Required Experience & Background

• 5+ years in commercial lending, banking, or private lending.
• Proven experience structuring owner-user and user-financed commercial deals.
• Strong referral relationships or an existing book of business (preferred).
• Ability and willingness to work onsite in Ontario, CA for daily collaboration and trainings.
• Excellent communication skills with the confidence to present, teach, and advise.
• Entrepreneurial mindset with comfort in a commission-driven environment.
• California DRE license (required or obtainable prior to start).

Compensation & Earning Potential

• Commission-based role with uncapped earnings
• $3,000 guaranteed base in month one (not deducted from commissions)
• Ongoing monthly draw against commissions
• Net collections calculated after draw + 0.25 bps from monthly loan volume
• Sign-on bonus consideration for candidates bringing an active, verifiable pipeline

Realistic earnings examples:

• Consistent performer: $100K+
• Strong producer: $200K+
• Top performers: No ceiling

You’ll also receive:

• Full CRM access and operational support
• Built-in referral flow from our brokerage
• Direct access to leadership and long-term growth opportunities

Why This Role Is Different

• Immediate deal flow from an established commercial brokerage
• A true seat at the table as the lending division is built
• High visibility and influence with brokers and leadership
• A role designed for lenders who want to be known, trusted, and relied upon

If you’re a commercial lender who values in-person collaboration, owner-user finance expertise, and being embedded in the brokerage ecosystem — we want to talk.

Apply today to help shape the future of our commercial lending division.