Position Title: Inside Loan Officer (Guideline Expert – Non-Sales Focused)
Location: On-site | Phoenix, AZ
Compensation: Flexible Base + Commission Structure (Target around $100K+, potential for significantly higher earnings based on experience and structure)

About the Role:
Our client, a growing lender based in Phoenix, AZ, is seeking an experienced, highly technical Inside Loan Officer to join their in-office team. This is not a traditional sales-driven LO role — they are looking for someone who thrives on guideline expertise, client prequalification, and complex problem-solving rather than sales quotas or cold calling.

The ideal candidate is a true loan officer/underwriter hybrid—someone with a deep understanding of loan guidelines who can skillfully prequalify and structure more complicated borrower scenarios. You’ll be working with a steady stream of inbound business from existing channels, focusing on delivering a high-quality client experience with precision and care.

Key Responsibilities:

• Prequalify clients based on complex agency and investor guidelines

• Accurately evaluate loan scenarios and recommend appropriate solutions

• Handle inbound inquiries and manage client communications with a consultative, professional approach

• Work closely with processing, underwriting, and management teams to ensure seamless transactions

• Maintain knowledge of changing guidelines across various products and programs

Qualifications:

• Proven experience as a loan officer, underwriter, or a similar technical lending role

• Strong knowledge of mortgage guidelines (conventional, FHA, VA, etc.)

• Excellent problem-solving and critical thinking skills

• Ability to communicate complex lending requirements to clients in a clear and friendly manner

• Current LO license or willingness to obtain one (support available)

• Highly motivated, detail-oriented, and driven to deliver exceptional client service

Compensation Structure:

• Flexible based on the candidate’s preference:

  • Heavier commission model for higher earning potential

  • Higher base salary for more stability (with moderate commission upside)

• Target total compensation around $100K+, with significant upside for highly experienced candidates, especially those with leadership ability.

Thank you for your interest! 

If your background aligns with our clients needs, one of our Recruiters will reach out. Please Check your spam folder and voicemail for messages from our recruiters.

Unfortunately due to high volumes of applicants, we may not be able  to respond to those who are not a fit.  If you do not hear from us regarding this application, please know we do appreciate your interest and encourage you to continue to keep an eye on our website for new opportunities.