Loan Originator

Key Responsibilities

• Source and originate new loans and relationships from initial inquiry to loan closing
• Develop and maintain strong relationships with borrowers, brokers, and other referral sources to generate business and maintain a steady pipeline of loan opportunities: 8MM+ per month
• Support the underwriting teams with initial assessment of borrower risk by reviewing financial documents and evaluating collateral to determine loan terms and risk profiles
• Work with clients to structure loan terms that meet their needs while aligning with the organization’s lending criteria and profitability goals
• Ensure all loans are originated in compliance with relevant regulations, including state and federal lending laws, and internal policies and procedures
• Stay informed about trends in the private lending and real estate markets, competitive offerings, and local regulatory changes that may impact loan origination
• Guide clients through the loan application process, ensuring that all necessary documentation is completed and processed accurately and in a timely manner

• Strong understanding of private lending products, real estate financing, and the loan origination process, including knowledge of underwriting, loan structures, interest rates, and terms typically associated with private loans.
• A successful track record of sourcing, originating, and closing loans, particularly in the private lending space. Strong sales skills and ability to build and maintain relationships with brokers and key stakeholders.
• Ability to assess borrower creditworthiness, evaluate collateral, and conduct thorough risk assessments. Comfortable reviewing financial statements, appraisals, and other documentation to make sound lending decisions.
• Excellent communication and interpersonal skills, focusing on providing exceptional service to borrowers and understanding client needs to offer tailored lending solutions.
• Familiarity with lending regulations, compliance standards, and best practices ensuring loans are originated in accordance with legal and regulatory requirements (e.g., DRE, DFPI, RESPA, TILA).
• Strong networking skills, establish and maintain relationships with real estate agents, mortgage brokers, investors, and other industry professionals to generate business leads.
• Skilled in negotiating loan terms with borrowers and other parties, ensuring mutually beneficial outcomes while maintaining lending standards.
• Detail-oriented and process-driven: manage all aspects of the loan origination process from start to finish, ensuring accuracy and efficiency.
• Results-driven, meet or exceed loan origination targets; highly motivated, independent or team player in fast-paced environment.
• Strong ability to think critically and creatively to solve problems for borrowers, especially in complex lending situations.

• Base Wage - $24.03 per hour
• Additional Compensation: 20-35% of Total Origination Fees Collected
• Total Comp:
  Variable based on Total Funding Volume

• Remote/Hybrid/In-office
• Irvine, CA

• Private Lending Origination Experience required
• Bachelor’s Degree preferred