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Commercial Mortgage Originator - Owner/User & Seller Financing
Commercial Mortgage Originator - Owner/User & Seller FinancingTeam Architects • San Bernardino, CA, US
Commercial Mortgage Originator - Owner / User & Seller Financing

Commercial Mortgage Originator - Owner / User & Seller Financing

Team Architects • San Bernardino, CA, US
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  • [job_card.full_time]
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Job Description

Job Description

Commercial Mortgage Originator – 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.

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