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Consumer Credit Officer Jobs (NOW HIRING)

Hanmi Bank

Credit Officer

Los Angeles, CA · On-site

$54K - $88K/yr

SUMMARY The Credit Officer is responsible for assisting Commercial, C&I, SBA, Real Estate Lending, Consumer and Commercial Equipment Leasing with credit underwriting and analysis of loan requests and ...

Hanmi Bank

SBA Credit Officer

Los Angeles, CA · On-site

$54K - $88K/yr

SUMMARY The SBA Credit Officer is responsible for assisting Commercial, C&I, SBA, Real Estate Lending, Consumer and Commercial Equipment Leasing with credit underwriting and analysis of loan requests ...

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Consumer Credit Officer information

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$35K

$98K

$147.5K

How much do consumer credit officer jobs pay per year?

As of Jul 14, 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.

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.

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

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.

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.
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Consumer Credit Officer jobs near you

Consumer Credit Officer

First Volunteer

Chattanooga, TN • On-site

Full-time

Posted 12 days ago

Job description

Thank you for your interest in a career at Builtwell Bank. At Builwell Bank, we believe associates deserve more than just a job. We believe in offering performance-driven individuals a place where they can expect additional opportunities to help them build a long and lasting career. If you are focused on results, dedicated to quality, strength and integrity, love working with people, and possess the drive to succeed, then we may be the bank for you.
Summary
Underwrite Consumer loan requests that are typically for borrowers with an aggregate loan exposure with FVB of less than $500,000.
Job Roles
  • Underwrite and decision Consumer loan applications and ensures the satisfactory and prompt delivery of all loan underwriting decisions.
  • Analyzes financial statements including but not limited to personal and business tax returns, personal financial statements, etc.
  • Conducts consumer credit investigations.
  • Communicates loan decisions to lending staff and upper level/executive management team.
  • Identifies and communicates other pre-approved products and services to lending staff.
  • May conduct loan training for Retail lending staff.
  • Product knowledge including loan terms, loan policy, product matrices, policy exceptions and workflow
  • Participates in new Consumer product development and implementation.
  • Excellent written and verbal communication skills
  • Excellent analytical skills
  • Ability to handle several tasks at once (multi-tasker)
  • Ability to work in a fast paced, team oriented environment
  • Sense of urgency is necessary
  • Working knowledge of both personal and business financial statements, tax returns and personal credit reports
  • Working knowledge of real estate appraisals/property evaluations
  • Working knowledge of regulatory policies & procedures

Qualifications
  • Bachelor degree or equivalent work experience
  • 1-3 years of Consumer Lending and/or Underwriting experience preferred.
  • Working knowledge of Microsoft Excel & Word preferred

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities
This employer is required to notify all applicants of their rights pursuant to federal employment laws.
For further information, please review the Know Your Rights notice from the Department of Labor.

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