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How Routines Can Directly Influence Loan Officer Success

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We don’t often give a great deal of thought to our routines, many of them formed organically over the years, and they’re so ingrained in our daily lives, that we hardly think about them at all. But our routines have tremendous influence over our motivation, efficiency, and overall success. We know that bad habits can limit our success, while good habits can fuel it — but what about the routines we have that fall in between? Let’s look at how to effectively shape routines that work for you:

Prioritize Your Goals

If we want our routines to support our success, we need to link them to our goals. With limited time due to responsibilities, we’re going to have to prioritize. Start by defining the goals you feel most passionately about right now and think about what you need to do to achieve them. This big-picture review provides a clearer path for you to begin examining your routines and provides valuable insight into what your next steps should be.

Look at Your Current Routines

For most of us, radically altering routines just doesn’t work. As I said above, they’re such a part of our daily lives that we might not even know they’re routines. We’ve grown so accustomed to our routines, that any changes we make are going to require intention and effort. So, before we think about making any changes, let’s look at the current state of affairs. Start by making a list. Some of your routines will be obvious, what you do each morning when you wake up or each night before sleep, for instance. Even something you see as a non-action, like scrolling through your Facebook feed, can be just as much of a routine as a morning jog if it’s something you do on most days. Be sure to include the good and bad, and the intentional and unintentional. The closer you pay attention day to day, the easier it will be to spot patterns and assess which of your routines support your goals, which might be holding you back, and which have no real impact at all.

Incorporate New Habits

Once you’ve identified your routines, it’s time to think about making some changes. Think about which new routines you might want to incorporate. Begin making a list of ideas without putting any pressure on yourself to implement them right away. Just the act of thinking about replacing some of our habits usually provides some motivation and inspiration to get started. Start slowly — maybe you begin waking up 20 minutes earlier than usual, or maybe you skip grabbing for your phone immediately upon waking. Many of our routines are simple, and not particularly exciting, and that’s perfectly fine. It’s the cumulative effect of our routines that make a difference.

Move Slowly

As I mentioned before, drastically altering routines usually doesn’t work. There’s comfort in the sameness of our routines, and if we want to be successful with changing them, we should move slowly and deliberately, so that the changes actually stick. Start with one change — implement it, and if it sticks and becomes a part of your routine, move on to the next.


Routines are a simple but powerful way for us to have greater control over our time and improve our efficiency and effectiveness. If you’d like to talk more about routines, or if there’s another matter I can be of assistance with, don’t hesitate to reach out. I’m always happy to block off some time to connect.


Don Riggs

VP – Retail Market Leader

NMLS 132702