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Consumer Credit Jobs (NOW HIRING)

PNC Bank

Consumer Credit Expert - AMG

New York, NY

As a Consumer Credit Expert to support the Asset Management Group (AMG) within PNC's Credit Risk Management organization, you will be based in Pittsburgh, PA / Birmingham, AL / Charlotte, NC ...

PNC Bank

Consumer Credit Expert - AMG

Raleigh, NC

As a Consumer Credit Expert to support the Asset Management Group (AMG) within PNC's Credit Risk Management organization, you will be based in Pittsburgh, PA / Birmingham, AL / Charlotte, NC ...

Mercury

Consumer Credit Lead - Cards

San Francisco, CA · On-site +1

We're launching a premium consumer charge card and are looking for a senior credit risk leader to help build and scale the underwriting strategy from the ground up - and own its performance as the ...

Inizio Partners

Credit Risk Analyst

Chicago, IL

Consumer Credit Risk Analyst This position within Corporate Risk Management is responsible for the oversight of consumer credit policy through effective planning and execution of ongoing and periodic ...

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How much do consumer credit jobs pay per hour?

As of May 29, 2026, the average hourly pay for consumer credit in the United States is $20.00, according to ZipRecruiter salary data. Most workers in this role earn between $19.95 and $19.95 per hour, depending on experience, location, and employer.

What are the key skills and qualifications needed to thrive as a Consumer Credit Analyst, and why are they important?

To excel as a Consumer Credit Analyst, you need strong analytical skills, financial acumen, and typically a degree in finance, business, or a related field. Familiarity with credit scoring systems, financial modeling software, and relevant regulatory frameworks is essential. Attention to detail, critical thinking, and effective communication are crucial soft skills for interpreting data and presenting findings. These competencies ensure accurate credit assessments, risk mitigation, and sound lending decisions in the financial industry.

What are some common challenges faced by professionals working in consumer credit analysis, and how can they be addressed?

Consumer credit analysts often encounter challenges such as accurately assessing creditworthiness with limited or inconsistent customer information and keeping up with evolving lending regulations. Staying current with industry technology and maintaining a balance between risk management and customer service are essential. Addressing these challenges involves continuous professional development, leveraging advanced analytics tools, and collaborating closely with compliance and risk management teams to ensure responsible lending practices.

What is consumer credit?

Consumer credit refers to the ability of individuals to borrow money or access goods and services with the agreement to pay later. This includes loans, credit cards, lines of credit, and other financial products that allow consumers to finance purchases over time. Consumer credit is widely used for buying items like cars, appliances, and even everyday expenses. Responsible use of consumer credit can help build a strong credit history, but misuse can lead to debt and financial challenges.

What is the difference between Consumer Credit vs Loan Officer?

AspectConsumer CreditLoan Officer
Required CredentialsTypically a high school diploma or equivalent; some roles may require a certification in consumer creditOften requires a bachelor's degree; certifications like Mortgage Loan Originator (MLO) license may be needed
Work EnvironmentFinancial institutions, credit bureaus, or consumer finance companiesBanks, credit unions, mortgage companies, and lending institutions
Industry UsageFocuses on assessing individual consumers' creditworthiness and managing credit accountsInvolves evaluating loan applications, advising clients, and approving or denying loans

Consumer Credit professionals primarily assess and manage individual credit accounts, while Loan Officers focus on evaluating and approving loan applications. Both roles require knowledge of credit principles but differ in daily responsibilities and work settings.

More about Consumer Credit jobs
What cities are hiring for Consumer Credit jobs? Cities with the most Consumer Credit job openings:
What states have the most Consumer Credit jobs? States with the most job openings for Consumer Credit jobs include:
What job categories do people searching Consumer Credit jobs look for? The top searched job categories for Consumer Credit jobs are:
Consumer Credit jobs near you
Infographic showing various Consumer Credit job openings in the United States as of May 2026, with employment types broken down into 81% Full Time, and 19% Part Time. Highlights an 94% Physical, 1% Hybrid, and 5% Remote job distribution, with an average salary of $41,590 per year, or $20 per hour.
Consumer Credit Underwriter

Consumer Credit Underwriter

Johnson Financial Group

Racine, WI

Full-time

Posted 7 days ago

Johnson Financial Group rating

8.8

Company rating: 8.8 out of 10

Based on 5 frontline employees who took The Breakroom Quiz

Job description

Overview

The Consumer Credit Underwriter (CCU) possesses a thorough understanding of the principles governing credit administration with an emphasis on consumer loans. The Consumer Credit Underwriter ensures that all loans, extensions, modifications, renewals, subordinations and partial releases are underwritten according to the approved guidelines with the Bank's loan policy and are in compliance with applicable state and federal banking regulations.

KEY RESPONSIBILITIES

• Review and analyze financial statements, appraisals, flood determinations and title policies to validate loan qualification in order to approve and/or decline applications acceptable to the Bank.
• Assist Relationship Managers with structuring and risk assessment of loan relationships.
• Remains current on all pending and proposed state and federal regulatory changes impacting consumer lending.
• Identify and mitigate rate and procedural exceptions by working with the Relationship Manger, Regional Line of Business Leaders and/or Regional Credit Officer to clear loan exceptions or gain approval as necessary.
• Maintains working knowledge of software in relation to consumer loan underwriting.

Our Associates are expected to willingly accept new responsibilities to support our success; this includes either taking on new tasks or learning new skills in order to meet business and organizational goals.

JOB REQUIREMENTS – EDUCATION, KNOWLEDGE AND SKILLS

• Bachelor's degree in accounting, finance or other applicable discipline preferred (the appropriate combination of education and experience will be considered). Must possess excellent analytical and communication skills with above-average computer skills and demonstrated proficiency in Microsoft Office applications (Word, Excel). Excellent interpersonal skills, relationship building skills, with the ability to multi-task and meet deadlines; must function as a team player and have the ability to lead projects. Attention to detail and accuracy is critical and must also demonstrate the ability to think creatively to provide added value to the underwriting and credit process.


Come as you are.

Our culture embraces diversity, equity, & inclusion; one where everyone feels valued and heard. For more information on JFG's culture and diversity efforts, including our employee resource groups, please visit the Diversity section of our career website.

Qualifications:UNAVAILABLEEducation:UNAVAILABLEEmployment Type: FULL_TIME

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