Commission‑Only Loan Officer (Retail → Wholesale Conversion Role) 🚀

You’re a producing Retail Loan Officer who:

is tired of caps, layers, and corporate math

knows you’re doing the work but not keeping the upside

wants real control over comp, products, and partners

is done explaining why a deal died because “the box said no”

If you’re comfortable being micromanaged, this is not for you.

The Opportunity

Join a true wholesale brokerage model where:

you control your pipeline

you choose the lenders

you keep more of what you earn

you operate like a business owner, not a branch employee

This isn’t a “hang your license and hope” shop. It’s a retail‑to‑wholesale conversion system built for LOs who already know how to produce.

What Changes When You Go Wholesale

Let’s be blunt.

🔻 What You Lose

Corporate bureaucracy

Artificial rate padding

Mandatory products you don’t believe in

Managers who’ve never closed your type of deals

🔺 What You Gain

Higher comp per loan (no hidden layers)

More lender options (not just the house favorites)

Faster problem‑solving (direct to AE, not ticket systems)

Freedom to niche down (jumbo, self‑employed, DSCR, luxury, etc.)

What We Provide (So You Don’t Fail)

Retail LOs don’t fail in wholesale because of talent. They fail because no one shows them how to transition.

We do.

Retail‑to‑Wholesale Conversion Playbook

Lender setup + product positioning

Comp optimization (without killing referrals)

Scenario structuring & deal‑rescue support

CRM + workflow guidance (no duct‑tape systems)

Realtor retention strategy during the transition

You won’t be “figuring it out on YouTube.”

What You’re Responsible For

Let’s be clear:

Bringing your relationships

Owning your outcomes

Acting like an adult professional

This is not a draw. This is not a salary. This is not a place to hide.

Who Should NOT Apply

New licensees

Order‑takers who need constant direction

LOs afraid of transparency

Anyone uncomfortable with performance‑based income

Who SHOULD Apply

Retail LOs closing $12M+ annually

Producers frustrated with comp compression

Professionals ready to operate like owners

LOs who want leverage, not logos

Salary: DOE

Originally posted on Himalayas