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Consumer Credit Officer Jobs (NOW HIRING)

Huntington

Credit Review Officer - Consumer

Detroit, MI · On-site +1

$70K - $140K/yr

The Credit Review Officer - Consumer reports to a Credit Review Group Manager or Team Lead. The ideal candidate is a proven credit risk professional with an exceptional delivery track record within ...

First Commonwealth Bank

$2/hr

As a Senior Credit Officer with the Equipment Finance Group, you provide Credit Support Services ... Analyzes consumer credit reports and commercial credit reports as part of the credit decision ...

Huntington

Credit Review Officer - Consumer

Columbus, OH · On-site +1

$70K - $140K/yr

The Credit Review Officer - Consumer reports to a Credit Review Group Manager or Team Lead. The ideal candidate is a proven credit risk professional with an exceptional delivery track record within ...

Nusenda

Indirect Lending Credit Officer

El Paso, TX · On-site

As the Indirect Lending Credit Officer, you will be responsible for evaluating loan quality by fully underwriting, identifying, assessing, and reporting credit risks in all indirect consumer loan ...

Huntington

Credit Review Officer - Consumer

Cleveland, OH · On-site +1

$70K - $140K/yr

The Credit Review Officer - Consumer reports to a Credit Review Group Manager or Team Lead. The ideal candidate is a proven credit risk professional with an exceptional delivery track record within ...

Huntington

Credit Review Officer - Consumer

Detroit, MI · On-site +1

$70K - $140K/yr

The Credit Review Officer - Consumer reports to a Credit Review Group Manager or Team Lead. The ideal candidate is a proven credit risk professional with an exceptional delivery track record within ...

Huntington

Credit Review Officer - Consumer

Cleveland, OH · On-site +1

$70K - $140K/yr

The Credit Review Officer - Consumer reports to a Credit Review Group Manager or Team Lead. The ideal candidate is a proven credit risk professional with an exceptional delivery track record within ...

Huntington

Credit Review Officer - Consumer

Columbus, OH · On-site +1

$70K - $140K/yr

The Credit Review Officer - Consumer reports to a Credit Review Group Manager or Team Lead. The ideal candidate is a proven credit risk professional with an exceptional delivery track record within ...

Huntington

Credit Review Officer - Consumer

Cleveland, OH · On-site +1

$70K - $140K/yr

The Credit Review Officer - Consumer reports to a Credit Review Group Manager or Team Lead. The ideal candidate is a proven credit risk professional with an exceptional delivery track record within ...

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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 Sep 15, 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.
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Consumer Credit Officer jobs near you
Infographic showing various Consumer Credit Officer job openings in the United States as of September 2026, with employment types broken down into 1% Internship, 81% Full Time, and 18% Part Time. Highlights an 93% Physical, 1% Hybrid, and 6% Remote job distribution, with an average salary of $98,014 per year, or $47.1 per hour.

EFG Senior Credit Officer

Berwyn, PA • On-site

First Commonwealth Bank
See more jobs at First Commonwealth Bankexternal

$2/hr

Full-time

Posted 6 days ago

First Commonwealth Bank rating

8.1

Company rating: 8.1 out of 10

Based on 15 frontline employees who took The Breakroom Quiz

Job description

**Candidate must reside in PA or OH to be Telecommuting eligible.
As a Senior Credit Officer with the Equipment Finance Group, you provide Credit Support Services for equipment finance business lines and assists in the on-going management of credit risk. You perform credit analysis on small to middle ticket credit applications, analyze financial statements and credit reports. Prepares formal credit memos and presents recommendations to the Credit Manager or Loan Committee for middle ticket transactions.
Essential Job Responsibilities
1. Performs credit analysis on small to middle ticket credit applications to $5,000,000.
2. Performs financial statement analysis, cash flow analysis and projection analysis.
3. Analyzes consumer credit reports and commercial credit reports as part of the credit decision process.
4. Communicates timely credit decisions in an accurate, clear and concise manner
5. Gathers data relevant to the credit request regarding the business, the guarantor, total exposure and the collateral. Provides direct communication to internal and external customers on credit and documentation matters.
6. Identifies credit applicants with minor weaknesses and apply appropriate structuring techniques e.g. rate enhancements, down payments, additional collateral, and term reduction. Presents applicant's strengths and weakness to internal and external customers.
7. Prepares formal credit memos and presents recommendations to the Credit Manager or Loan Committee for middle ticket transactions.
8. Requests the appropriate documentation as it relates to the size of the transaction and structure of the legal entity.
9. Provides due diligence on portfolio acquisitions.
10. Reviews and approves Source (Dealer/Broker/OEM) programs.
11. Performs annual reviews for Obligors and Sources.
12. Communicates EF credit underwriting strategies and business practices.
13. Interacts with Team Members, Customers, Sources, Legal Advisors, Corporate Executives and Sale Representatives regarding specific opportunities and programs.
14. Full knowledge and understanding of policies set forth by EF and the ability to abide by them.
Bona Fide Occupational Qualifications
1. Bachelor's degree in business or educational training specific to credit underwriting is preferred.
2. A minimum of seven (7) years of experience with financial statement analysis expertise to evaluate finance transactions to $5,000,000.
3. Strong reading, writing, and grammar skills; superior analytical and mathematical skills; proficient communicative and interpersonal relations skills required.
4. Microsoft Windows and Microsoft Office knowledge required.
5. May be eligible for Telecommuting.
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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