Auto Refinance Loan Officer | Inside Sales

Gravity Lending; Austin (TX); On-site; USD 82,656,000 - 247,968,000; Full time

Job summary

Gravity Lending, based in Austin, TX, is hiring Auto Refinance Loan Officers for its Inside Sales team in North Austin. The role emphasizes speaking with customers who have already expressed interest, with structured training pay and uncapped commission after training.

The position offers a clear path to six-figure earnings for top performers, with averages around $70K and potential well above that. It’s a fast-paced, phone-heavy role focused on closing loans and growing the customer portfolio.

Qualifications

• Experience in inside sales or automotive finance is preferred.
• Strong phone communication and objection handling skills.
• Demonstrated ability to build rapport and close deals.

Responsibilities

• Own the customer pipeline from application to funding.
• Handle high-volume inbound/outbound calls and follow-ups.
• Present loan options clearly and overcome objections.
• Maintain organized pipeline and hit sales targets.
• Coordinate with lenders, underwriting, and processing teams.

Skills

Inside sales

Phone sales

Customer rapport

Closing deals

Bilingual English/Spanish

Job description

Auto Refinance Loan Officer – Inside Sales

North Austin, TX | Full-Time | 100% In-Office

$17/Hour During Training + structured commission | $10/Hour + Uncapped Commission After Training

Average Earnings: ~$70K | Six-Figure Potential | Top Performers Earn $200K+

You Know How to Sell. We'll Give You the Customers.

If you're an experienced sales professional who is motivated by competition, comfortable on the phone, and ready for an opportunity where your performance can directly impact your income, this could be the role you've been looking for. Gravity Lending is hiring Auto Refinance Loan Officers to join our Inside Sales team in North Austin.

Here's the difference between this role and traditional sales:

You're not cold calling random people hoping to create interest.

Our customers have already applied to refinance their auto loan. They're raising their hand and telling us they're interested. Your job is to connect with them, understand their situation, present their options, overcome objections, follow up, and ultimately get the loan funded. That's where your sales skills come in. If you're persistent, competitive, organized, coachable, and know how to close, your earning potential is uncapped.

What You Can Earn

Let's talk about the part that matters.

During Training

$17/hour + structured commission

You’ll receive training on our sales process, systems, auto finance, lenders, underwriting, and the complete loan process.

After Training

$10/hour + UNCAPPED COMMISSION

• Approximately $70,000 average annual earnings


• Six-figure earning potential


• Top-performing Loan Officers earn $200,000+


• No commission cap

The more you learn, the better you become. The better you perform, the more you can earn.

Your paycheck has room to grow because your commission doesn't have a ceiling.

Hourly base plus commission. Actual earnings vary based on individual performance.

What You'll Do

As an Auto Refinance Loan Officer / Inside Sales Representative, you'll own your customer pipeline from application to funding.

Your day will include:

• Contacting customers who have already applied for an auto refinance loan


• Making and receiving a high volume of inbound and outbound calls


• Building rapport and establishing trust with customers


• Learning about each customer's financial situation and refinance goals


• Presenting loan options and explaining the benefits clearly


• Handling questions, concerns, and objections


• Asking for the sale and moving customers toward the next step


• Following up consistently on applications, documents, signatures, and lender requirements


• Managing an active pipeline and keeping opportunities moving


• Working closely with lenders, underwriting, processing, and other internal teams


• Staying organized and accountable for your pipeline and production


• Working toward individual and team sales and funding goals

This is a fast-paced, phone-heavy inside sales position. You'll spend a significant portion of your day talking with customers, following up, solving problems, handling objections, and working toward the close.

If you don't like being on the phone, this probably isn't the role for you.

If you love sales, competition, and the feeling of closing a deal, keep reading.

What Makes Someone Successful Here?

You don't need years of experience in auto finance. You don't need to know everything about auto loans on day one.

We can teach you the lending side.

What we can't teach as easily is the drive to sell.

We're looking for someone who:

• Is motivated by uncapped earning potential


• Is comfortable making a lot of phone calls


• Can confidently communicate with different types of customers


• Knows how to build rapport quickly


• Isn't afraid to ask for the sale


• Can handle rejection without losing momentum


• Knows that follow-up is where sales happen


• Is competitive and motivated by goals


• Takes coaching seriously and applies feedback


• Can stay organized while managing a busy pipeline


• Takes ownership of their results


• Wants to continuously improve

Sales Experience That Could Translate Well

If you've worked in inside sales, automotive sales, auto finance, loan origination, mortgage lending, insurance sales, financial services, call center sales, wireless sales, solar, roofing, logistics, freight brokerage, merchant services, retail sales, or another commission-based sales environment, we'd love to hear from you.

Bilingual English/Spanish is a plus, but not required.

What We Give You

Starting a new career in auto finance can be a lot to learn. That's why we don't expect you to walk through the door knowing everything.

You'll receive structured training covering:

• Auto refinancing


• Credit and lending


• Lender programs


• Underwriting requirements


• Loan processing


• Sales techniques


• Objection handling


• Customer communication


• Our systems and technology


• The complete loan process from application to funding

And training doesn't mean you're thrown into the deep end and forgotten.

You'll have a team around you, coaching, feedback, and opportunities to continue developing your skills.

Why Gravity Lending?

Gravity Lending is an Austin-based company with a culture built around people, performance, teamwork, and growth.

We've been recognized as a Best Place to Work, and we're proud of the environment we've built.

We work hard. We compete. We celebrate wins. We recognize people who go above and beyond. And we believe motivated employees should have opportunities to grow.

Our employees are known as Gravinators, and you'll quickly learn that being a Gravinator is more than just having a job title.

It's being part of the team.

This Could Be Your Next Move

Maybe you're already in sales but feel like your income has hit a ceiling.

Maybe you're tired of cold calling.

Maybe you're in automotive, insurance, wireless, or another commission-based industry and want to take your sales skills somewhere new.

Or maybe you're simply competitive, motivated, and ready to see what you can earn when there's no cap on your commission.

If that sounds like you, we want to meet you.

Position Details

• Job Title: Auto Refinance Loan Officer / Inside Sales Representative


• Location: North Austin, TX


• Schedule: Full-Time


• Work Environment: 100% In-Office


• Training Pay: $17/hour + structured commission


• Post-Training Pay: $10/hour + Uncapped Commission


• Average Annual Earnings: Approximately $70K


• Top Performer Earnings: $200K+


• Bilingual: English/Spanish preferred, but not required