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

Team Architects • San Bernardino, CA

4d • Onsite

About The Position

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. Requirements 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). Benefits 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.

Requirements

• 5+ years in commercial lending, banking, or private lending.
• Proven experience structuring owner-user and user-financed commercial deals .
• 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).

Nice To Haves

• Strong referral relationships or an existing book of business (preferred).

Responsibilities

• 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.

Benefits

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

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: No Education Listed