Job Description

Job Title: Senior Commercial Loan Originator

Location: Mesa, AZ (Full-Time In-Office Preferred; Hybrid Available for Local Candidates. Relocation cost support possible.)

Reports To: Chief Executive Officer (CEO)

Company Overview:

American Life Financial (ALF), a subsidiary of American Savings Life Insurance Company, is a nationwide direct lender focused on bridge-term commercial real estate loans ranging from $2 million to $15 million or more. Backed by a profitable 70-year-old life insurance company, ALF is growing rapidly and seeks team members who are energized by both stability and entrepreneurial momentum. We pride ourselves on our family-oriented culture and win-win, relationship-first approach to lending.

Position Summary:

The Senior Commercial Loan Originator will play a key role in driving ALF’s loan production growth by originating high-quality commercial bridge loans across the U.S. This role is responsible for sourcing deals, cultivating relationships with mortgage brokers, mortgage bankers, and sponsors, including performing preliminary loan screening and evaluation. The ideal candidate is a personable, strategic, and self-motivated professional with an eye toward future leadership and team development.

Key Responsibilities:

· Source commercial real estate loan opportunities through your developed CRE relationships.

· Evaluate loan submissions, discuss deal structures with brokers and sponsors, and perform preliminary loan screening and evaluation.

· Remain the key relationship contact with brokers and sponsors throughout the loan origination process as well as working with internal loan processors and underwriters.

· Develop a deep understanding of ALF’s lending box and decision-making framework to serve as a front-line filter.

· Participate in regular in-person meetings with the CEO and other team members.

· Potentially contribute to future growth by mentoring junior originators (as applicable) and potentially stepping into a team management role.

Qualifications:

· Minimum 5 years of experience in commercial real estate loan origination, account executive roles, or capital markets advisory (preferred: bridge lending, mortgage brokerage, or LifeCo correspondent lending experience).

· Proven track record of sourcing and closing commercial loans in the $2M–$15M+ range.

· Strong knowledge of CRE lending, deal structures, underwriting concepts, and capital markets.

· Professional communication skills—both verbal and written (without reliance on AI).

· High emotional intelligence and a likeable interpersonal style.

· Entrepreneurial mindset with creativity in solving deal challenges and structuring win-win loan solutions.

· Proficient basic mental math skills (e.g., calculating percentages, LTV, etc. on the fly).

· Proficiency with Excel and familiarity with CRM/LOS platforms.

· Bachelor's degree preferred.

Compensation & Benefits:

· Base Salary: $80,000 to $120,000 depending on experience.

· Performance Bonuses earned on fee income generated on closed loans.

· Additional deferred bonuses from loan exit fee revenue.

· Target Total Compensation: $125,000 to $250,000+ annually.

· Full employee benefits including health insurance, profit-sharing plan contributions, paid holidays, PTO, and relocation assistance for qualified candidates.

Performance Expectations:

· Expected to originate $100 million or more in loan volume annually.

· Current average loan size is approximately $6 million, with potential to close 15–20 loans per year, or more.

· Target performance level is to generate significantly more volume than current baseline, aligning with company growth goals.

Why Join ALF?

· Direct CEO Access : This role reports directly to the CEO and is a key voice in shaping our origination strategy.

· Professional Growth Track : Strong performer may advance into a management role as we expand the loan originations team.

· Start-Up Agility + Institutional Strength : Enjoy the innovation of a fast growing CRE lending platform backed by a well-capitalized, 70-year-old parent company.

· Broad Funding Source : Together with ALF’s parent, American Savings Life Insurance Co., we have an expanding loan syndication group of over 20 life insurance companies that participate in ALF’s loans, providing reliable lending capital.

· Relationship-First Culture : We value transparency, integrity, and win-win, long-term thinking over transactional short-term thinking.

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