Consumer Direct Loan Officer

Griffin Funding; San Diego (CA); On-site; USD 150,000 - 300,000; Full time

Benefits offered by this job

Medical Insurance

Dental Insurance

Vision Insurance

Paid Time Off

Licensing support

Job summary

Griffin Funding, a national direct lender specializing in Non-QM, VA, and HELOAN products, is seeking a driven Loan Officer in San Diego to engage inbound inquiries and guide clients through the full mortgage origination process. You will focus on converting conversations into closed loans and leveraging a strong pipeline.

This role offers a draw against commissions with uncapped earnings potential. You will work in a fast-paced, consumer-direct environment, supported by in-house processing,

Qualifications

• 2+ years as a licensed Loan Officer managing leads (preferred).
• Non-QM experience strongly preferred (DSCR, Bank Statement, 5–10 unit); VA experience a plus.
• NMLS License required (no license required for Business Purpose/DSCR loans)
• Must pass background check

Responsibilities

• Engage with inbound inquiries and follow up diligently via phone, voicemail, text, and email
• Consult with clients to understand their financial situation and recommend the right loan product
• Guide clients through the full origination process with clear communication and consistent follow-through
• Maintain accurate CRM activity in HubSpot and manage your pipeline with discipline
• Earn 5-star reviews as a standard part of every closed transaction

Skills

Licensed Loan Officer

Phone-first communication

Strong follow-up

Consulting clients

Education

NMLS License

Tools

HubSpot

Job description

Job descriptionDoes This Sound Like You?

• Do you thrive in a phone-first environment and love converting a conversation into a closed loan?
• Are you ready to stop spending your best hours prospecting and start spending them helping clients?
• Are you looking for a platform with real infrastructure, real leads, and a real career path?

If you answered yes, keep reading.

At Griffin Funding, we believe every borrower deserves a true fiduciary. We are a national direct lender specializing in Non-QM (DSCR, Bank Statement, 5–10 Unit), VA, and HELOAN products, with access to Conventional, Jumbo, FHA, USDA, 2nds, and more.

We are a consumer direct mortgage company. We invest heavily in marketing and technology so our Loan Officers spend their time consulting and closing, not cold prospecting. Our San Diego team is based in our Banker Hill office, located next to Balboa Park. We are growing and profiting in a market where others are struggling.

Our 5-star client reviews and 2021 Inc. Best Places to Work recognition reflect a culture built on accountability, collaboration, and genuine care for clients and teammates alike.

Why Griffin is Different

We invest heavily in Google SEO and PPC to generate high-intent, first-party inbound leads managed through HubSpot. A dedicated operations and underwriting team handles conditions and loan progression — you are not stuck chasing paperwork. This lets you focus where it matters most: working with clients and closing deals.

• More time advising clients, less time prospecting
• Consistent pipeline of inbound and outbound opportunities
• Proven systems and support to drive steady deal flow

What You'll Do

• Engage with inbound inquiries and follow up diligently via phone, voicemail, text, and email
• Consult with clients to understand their financial situation and recommend the right loan product
• Guide clients through the full origination process with clear communication and consistent follow-through
• Maintain accurate CRM activity in HubSpot and manage your pipeline with discipline
• Earn 5-star reviews as a standard part of every closed transaction

Onboarding, Training & Career Path

New Loan Officers complete a structured first month of onboarding and Griffin Funding University (GFU), including a final assessment. A 90-day probationary period includes regular coaching and clear performance expectations.

Loan Officers who consistently exceed funding standards will be reviewed for promotion to Senior Loan Officer (at the discretion of the VP of Production), unlocking past client leads, Chili Piper appointments, direct ISA transfers, and priority inbound ring group placement.

Compensation & Benefits

• Full-time hourly position structured as a draw against commissions; commissions paid once they exceed the draw
• Earning potential: $150,000–$300,000+ for high performers
• Medical, Dental & Vision Insurance | Paid Time Off
• In-house processing and underwriting support
• Company-provided Google SEO and PPC leads via HubSpot
• Licensing support across 47 states + all 50 states for DSCR/BPL loans

Job requirements

What We're Looking For

Experience & Requirements:

• 2+ years as a licensed Loan Officer managing leads (preferred)
• Non-QM experience strongly preferred (DSCR, Bank Statement, 5–10 unit); VA experience a plus
• NMLS License required (no license required for Business Purpose/DSCR loans)
• Must pass background check

The Right Fit:

• Phone-first mentality with urgency, consistency, and strong follow-up habits
• Financially sharp — comfortable with debt ratios, credit analysis, and a wide product menu
• Coachable, collaborative, and accountable to outcomes — not just activity
• Committed to a 5-star client experience as a non-negotiable standard

Not the Right Fit If You:

• Avoid high call volume or prefer passive communication styles
• Treat CRM discipline and client reviews as optional
• Need to build your own systems rather than execute within proven ones

Own Your Outcomes. Excellence in Every Interaction. Grow Together.

Griffin Funding, provides equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, religion, sex, national origin, age, disability or genetics. In addition to federal law requirements, Griffin Funding, complies with applicable state and local laws governing nondiscrimination in employment in every location in which the company has facilities.

NMLS #1120111

VA Approved Lender ID: 9088650000

• FHA Non-Supervised Lender No.: 01472-0000-3