ZipRecruiter

Log In

1

Consumer Credit Officer Jobs (NOW HIRING)

The Fidelity Bank

Credit Officer

Atlanta, GA · On-site

Credit Officer The Credit Officer (CO) is to be the primary Credit Approver for business and consumer loans for the bank. The CO exercises this authority within approval limits as delegated by senior ...

WPCU

Director, Consumer Credit

Dayton, OH · On-site

Director, Consumer Credit The Director, Consumer Lending is responsible for growing, managing, and ... Working closely with senior lending management, including the Chief Executive Officer, Chief ...

Fidelity Bank

Credit Officer

Atlanta, GA · On-site

The Credit Officer (CO) is to be the primary Credit Approver for business and consumer loans for the bank. The CO exercises this authority within approval limits as delegated by senior management.

TRUSTBANK

AVP/Senior Credit Officer

Olney, IL · On-site

$115K - $125K/yr

AVP/SENIOR CREDIT OFFICER DEPARTMENT: CREDIT REPORTS TO: VP/CHIEF CREDIT OFFICER FLSA STATUS ... consumer, and real estate lending relationships to evaluate overall credit quality and repayment ...

TrustBank

AVP/Senior Credit Officer

Olney, IL

AVP/SENIOR CREDIT OFFICER DEPARTMENT: CREDIT REPORTS TO: VP/CHIEF CREDIT OFFICER FLSA STATUS ... Analyze complex commercial, agricultural, consumer, and real estate lending relationships to ...

TrustBank

AVP/Senior Credit Officer

Olney, IL · On-site

$115K - $125K/yr

AVP/SENIOR CREDIT OFFICER DEPARTMENT: CREDIT REPORTS TO: VP/CHIEF CREDIT OFFICER FLSA STATUS ... Analyze complex commercial, agricultural, consumer, and real estate lending relationships to ...

Dahl Consulting

Credit Officer II

Fargo, ND

$72K - $100K/yr

Title : Credit Officer Location : Fargo, ND (Grand Forks also an option) Job Type : Permanent ... Experience working primarily within commercial banking rather than consumer lending. * Agricultural ...

next page

Showing results 1-20

All JobsConsumer Credit Officer Jobs

Consumer Credit Officer information

See salary details

$35K

$98K

$147.5K

How much do consumer credit officer jobs pay per year?

As of Aug 25, 2026, the average yearly pay for consumer credit officer in the United States is $98,014.00, according to ZipRecruiter salary data. Most workers in this role earn between $78,000.00 and $120,500.00 per year, depending on experience, location, and employer.

What does a consumer credit officer do?

A Consumer Credit Officer evaluates and approves or denies applications for credit from individual consumers, such as loans, credit cards, or mortgages. They assess the applicant’s creditworthiness by reviewing financial information, credit reports, and repayment history. Additionally, they ensure compliance with lending regulations and company policies, and may advise applicants on credit decisions or improvements. Their goal is to minimize risk for the financial institution while helping qualified consumers obtain the credit products they need.

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

To thrive as a Consumer Credit Officer, you need a solid understanding of credit analysis, risk assessment, and financial regulations, often backed by a degree in finance, accounting, or a related field. Familiarity with credit scoring systems, loan origination software, and regulatory compliance tools is typically required. Attention to detail, strong analytical thinking, and effective communication help build trust with clients and ensure sound decision-making. These skills are crucial for accurately assessing creditworthiness, minimizing risk, and maintaining the financial health of lending institutions.

How does a consumer credit officer typically collaborate with other departments within a financial institution?

A Consumer Credit Officer frequently collaborates with departments such as loan processing, risk management, and customer service to ensure a thorough evaluation of credit applications. They work closely with loan officers to clarify applicant details and with risk management teams to align decisions with institutional policies. This role often requires clear communication and teamwork across departments to ensure that credit decisions are both responsible and customer-focused.

Is a consumer credit officer a stressful job?

A consumer credit officer's job can be stressful due to the responsibility of evaluating loan applications, managing risk, and meeting deadlines. The role often requires attention to detail, strong decision-making skills, and working under pressure, especially during high-volume periods or when dealing with difficult cases.
More about Consumer Credit Officer jobs

What job categories do people searching Consumer Credit Officer jobs look for?

The top searched job categories for Consumer Credit Officer jobs are:

Consumer Credit Officer jobs near you
Infographic showing various Consumer Credit Officer job openings in the United States as of August 2026, with employment types broken down into 97% Full Time, and 3% Part Time. Highlights an 99% Physical, and 1% Remote job distribution, with an average salary of $98,014 per year, or $47.1 per hour.

Consumer Credit Underwriter

Johnson Financial Group

Racine, WI • On-site

Full-time

Re-posted 5 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.

What Johnson Financial Group employees say

Pay

Hours and flexibility

Workplace

Get the full story on Breakroom

Apply