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Consumer Credit Manager Jobs (NOW HIRING)

Upstart

Director, Consumer Credit Portfolio Solutions

OR · On-site +1

The Team Upstart is transforming how banks and credit unions build and manage consumer credit portfolios. As Director, Consumer Credit Portfolio Solutions, you will partner with executive leaders at ...

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Consumer Credit Manager information

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$53K

$97.1K

$133.5K

How much do consumer credit manager jobs pay per year?

As of Sep 14, 2026, the average yearly pay for consumer credit manager in the United States is $97,136.00, according to ZipRecruiter salary data. Most workers in this role earn between $80,000.00 and $108,500.00 per year, depending on experience, location, and employer.

What does a consumer credit manager do?

A Consumer Credit Manager oversees the credit-granting process for individuals seeking loans or credit from a financial institution. They are responsible for evaluating applicants’ creditworthiness, setting lending policies, approving or denying credit requests, and managing risks associated with consumer lending. Additionally, they often supervise a team of credit analysts and ensure compliance with relevant laws and regulations. Their role is crucial in maintaining a healthy loan portfolio while minimizing financial losses for the organization.

What are the key skills and qualifications needed to thrive as a consumer credit manager?

To thrive as a Consumer Credit Manager, you need in-depth knowledge of credit risk assessment, financial analysis, and lending regulations, typically supported by a degree in finance, business, or a related field. Familiarity with credit scoring systems, loan origination software, and regulatory compliance tools is essential. Strong decision-making, attention to detail, and effective communication are vital soft skills for leading teams and managing customer relationships. These skills ensure sound credit decisions, minimize risk, and maintain compliance, which are crucial for the financial health and reputation of the organization.

What are some typical challenges a consumer credit manager faces when balancing risk management with customer satisfaction?

Consumer Credit Managers often encounter the challenge of making sound lending decisions that minimize risk while ensuring a positive experience for customers. Balancing strict credit policies with the need to maintain customer relationships can be demanding, as denying credit can impact customer loyalty. Additionally, adapting to evolving regulations and leveraging new technologies for credit assessments requires continuous learning and flexibility. Successful managers proactively communicate with both their teams and customers to explain decisions and explore alternative solutions when possible.

What is the difference between Consumer Credit Manager vs Credit Analyst?

AspectConsumer Credit ManagerCredit Analyst
Required CredentialsBachelor's degree in finance, business, or related field; certifications like CAMS or CFP may helpBachelor's degree in finance, economics, or related field; certifications like CFA or CCFA are common
Work EnvironmentTypically in financial institutions, managing credit policies and overseeing credit approval processesOften in banks or lending companies, analyzing credit data to assess risk and make recommendations
Employer & Industry UsageUsed by banks, credit unions, and lending firms to manage consumer credit portfoliosEmployed by financial institutions to evaluate creditworthiness and inform lending decisions

While both roles involve working with credit, the Consumer Credit Manager oversees credit policies and manages credit risk at a higher level, whereas the Credit Analyst focuses on analyzing individual credit data to assess risk. The roles often overlap in skills and industry but differ in scope and responsibilities.

What cities are hiring for Consumer Credit Manager jobs?

Cities with the most Consumer Credit Manager job openings:

What states have the most Consumer Credit Manager jobs?

States with the most job openings for Consumer Credit Manager jobs include:

What are popular job titles related to Consumer Credit Manager jobs?

For Consumer Credit Manager jobs, the most frequently searched job titles are:

Infographic showing various Consumer Credit Manager job openings in the United States as of August 2026, with employment types broken down into 88% Full Time, 11% Part Time, and 1% Contract. Highlights an 81% Physical, 2% Hybrid, and 17% Remote job distribution, with an average salary of $97,136 per year, or $46.7 per hour.

Consumer Credit Analyst

Galveston, TX • On-site

Coastal Community Federal Credit Union
Commercial Banking • 11 - 50 employees
Learn more about Coastal Community Federal Credit Unionexternal

Full-time

Re-posted 19 days ago

Job description

Job Type
Full-time
Description
The Loan Underwriter is responsible for evaluating loan applications and determining credit worthiness in accordance with internal policies, regulatory requirements, and sound lending practices. This position analyzes financial information, assesses risk, and ensures loans are structured to protect the financial institution while serving member needs.
Requirements
Essential Duties and Responsibilities:
• Review, analyze, and underwrite consumer, mortgage, business and/or commercial loan applications
• Evaluate credit reports, income documentation, tax returns, bank statements, appraisals, and collateral documentation.
• Assess borrower capacity, credit history, collateral adequacy, and overall risk profile.
• Ensure compliance with federal and state lending regulations (e.g Fair Lending, TRID, HMDA, ECOA, Reg B).
• Make approval, denial, or counteroffer decisions within assigned lending authority.
• Provide detailed loan stipulations and communicate conditions to lending staff.
• Work closely with loan officers, processors, and branch staff to gather additional documentation.
• Maintain documentation and decision rationale in loan file.
• Monitor and manage pipeline to ensure timely decisions and service level standards.
• Identify potential fraud or misrepresentation concerns.
• Assist with audits and regulatory examinations as required.
• Recommend policy improvements based on underwriting trends and risk patterns.
Qualifications
Education and Experience:
• Bachelor's degree in finance, Business, Accounting or related field preferred.
• 3-5 years of underwriting experience (consumer, mortgage, and/or commercial).
• Experienced in a bank or credit union environment preferred.
Knowledge and Skills
• Strong understanding of credit analysis and risk assessment
• Knowledge of lending regulations and compliance requirements.
• Ability to analyze financial statements and tax returns.
• Excellent analytical and decision-making skills.
• Strong written and verbal communication skills.
• Detail-oriented with strong organizational abilities.
• Proficiency in loan origination systems and Microsoft Office.
Competencies:
• Sound judgment
• Risk assessment and mitigation
• Regulatory compliance awareness
• Time Management
• Collaboration and communication
• Confidentiality and discretion
Physical Requirements:
• Prolonged periods of sitting at a desk and working on a computer.
• Occasional lifting of files up to 20lbs
Work Environment:
• Office environment within a financial institution
• Standard business hours with occasional extended hours based on loan volume.
***Greater Houston Area Applicants Only

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