As you may have guessed, when business is bad, life is bad. Commission means meeting strict production quotas, somewhat forcing yourself on people to earn their business, and plenty of uncomfortable networking events. If you don't see yourself as a sales person, a production role will be tough. Loan officers run production teams how they choose to. They can either make your life a breeze or a nightmare.
It's a bit of a complex inclusion, but knowledge of market interest rates can make it tough to consciously work with clients sometimes. There are of course reasons for higher interest rates when rates can easily be compared online. More overhead and more teams working on each loan means loans close without unexpected delays, higher rates to make up for it, etc. Imagine an extremely qualified family member applying for a loan. If their file was simple, would you knowingly advise them to proceed if you knew the rate was 0.5%+ higher than the market rate? Also, from a sales perspective, it is incredibly difficult to maintain referral relationships when your offerings are consistently beat.