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Consumer Lending Jobs (NOW HIRING)

Gateway First Bank

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Consumer Lending Underwriter

Tulsa, OK · On-site

Consumer Lending Underwriter JOB SUMMARY: Responsible for reviewing and rendering decisions on prime credit applications using the loan origination system while ensuring adherence to established ...

PenFed Credit Union

PR · Hybrid

Overview PenFed is hiring a (Hybrid) Senior Consumer Lending Underwriter at our San Patricio Office Center located in Guaynabo, Puerto Rico. The primary purpose of this job is to review and ...

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How much do consumer lending jobs pay per year?

As of Jun 11, 2026, the average yearly pay for consumer lending in the United States is $107,556.00, according to ZipRecruiter salary data. Most workers in this role earn between $74,000.00 and $131,000.00 per year, depending on experience, location, and employer.

What are some common challenges faced by professionals in Consumer Lending, and how can they be addressed?

Professionals in Consumer Lending often encounter challenges such as managing complex loan applications, keeping up with changing regulatory requirements, and assessing the creditworthiness of diverse applicants. Success in this field requires staying detail-oriented, leveraging technology for efficient workflow management, and regularly updating your knowledge of lending regulations and credit policies. Building strong relationships with clients and collaborating closely with risk and compliance teams also helps navigate these challenges. Employers typically provide ongoing training and encourage open communication to create a supportive team environment.

What are the key skills and qualifications needed to thrive in the Consumer Lending position, and why are they important?

To thrive in Consumer Lending, you need a strong knowledge of financial products, credit analysis, and underwriting, often supported by a degree in finance, business, or a related field. Experience with loan origination systems (LOS), credit bureaus, and sometimes certifications like the Certified Consumer Lending Specialist (CCLS) can be advantageous. Excellent interpersonal skills, attention to detail, and the ability to explain complex financial information clearly help professionals stand out. These skills are crucial for building trust with clients, accurately assessing risk, and ensuring regulatory compliance in lending decisions.

What is a Consumer Lending job?

A Consumer Lending job involves assisting individuals in securing loans for personal use, such as home mortgages, auto loans, or personal loans. Professionals in this field assess borrowers' financial backgrounds, explain loan terms, and guide them through the application process. They work for banks, credit unions, or financial institutions, ensuring compliance with lending regulations. Strong customer service, financial analysis, and communication skills are essential for success in this role.

What job makes $10,000 a month without a degree?

In consumer lending, high-earning roles such as loan officers or sales managers can reach $10,000 or more per month, especially with experience and performance-based commissions. Success in these roles often depends on strong communication skills, industry knowledge, and a proven sales record, rather than formal degrees.

How much does a loan officer make on a $500,000 loan?

A loan officer typically earns a commission or fee based on the loan amount, often around 1% to 2%, which would be $5,000 to $10,000 for a $500,000 loan. Compensation can also include a base salary and bonuses, depending on the employer and location. Skills in sales and knowledge of lending products influence earnings in this role.

What do consumer lenders do?

Consumer lenders evaluate and approve loan applications for individuals seeking personal loans, auto loans, or credit cards. They assess borrowers' creditworthiness, verify financial information, and determine loan terms, often using financial analysis tools and credit reports.

What is a consumer lending job?

A consumer lending job involves evaluating and approving loans to individual borrowers for purposes such as purchasing homes, cars, or funding personal needs. Professionals in this field analyze creditworthiness, process loan applications, and ensure compliance with lending policies, often using financial analysis skills and lending software. The role typically requires knowledge of financial regulations and strong customer service skills.
More about Consumer Lending jobs
What cities are hiring for Consumer Lending jobs? Cities with the most Consumer Lending job openings:
What are the most commonly searched types of Consumer Lending jobs? The most popular types of Consumer Lending jobs are:
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What job categories do people searching Consumer Lending jobs look for? The top searched job categories for Consumer Lending jobs are:
Consumer Lending jobs near you
Infographic showing various Consumer Lending job openings in the United States as of June 2026, with employment types broken down into 1% As Needed, 72% Full Time, 25% Part Time, 1% Temporary, and 1% Contract. Highlights an 95% Physical, 2% Hybrid, and 3% Remote job distribution, with an average salary of $107,556 per year, or $51.7 per hour.
Consumer Lending Specialist

Consumer Lending Specialist

Alabama One Credit Union

Tuscaloosa, AL • On-site

Other

Posted 14 days ago

Job description

Description

Summary

The Consumer Lending Specialist I will assist Members with their lending needs, analyze loan requests, and make recommendations for loan approval/denial based on established Consumer Lending Guidelines. In addition, the Consumer Lending Specialist will open accounts, resolve issues, and provide information and guidance to Members on the products and services offered by Alabama ONE.

Responsibilities

  • Receive Member consumer lending requests electronically and make recommendations about Member loans based on underwriting standards; analyze current financial position of Member to determine the degree of risk involved in extending credit or lending money; make recommendation to approve or forward the loan request to the Senior Underwriters; maintain a thorough knowledge of Credit Union lending guidelines, credit-granting criteria, interest rates how they are computed, and the documentation required
  • Prepare and/or review all loan documents for completeness and accuracy, and establish the terms and conditions of an approved loan and review them with the Member
  • Assist in the responsibility for ensuring each loan is prepared, documented, approved, and disbursed appropriately and in a timely manner; if a loan is not approved, the Consumer Lending Specialist has the responsibility to notify the borrower
  • Open member accounts
  • Perform other duties as assigned


Requirements

Minimum Requirements:

- Two to four years of similar experience

- High School Diploma/GED

- High degree of courtesy, tact, and diplomacy

- Proficiency in Word, Microsoft Office, and Outlook

- Ability to quickly learn, understand, and apply Credit Union lending guidelines appropriately and consistently

- Comply with lending guidelines

- Ability to meet and exceed established goals


Preferred Qualifications:

- Ability to work closely with Members and non-Members to effectively garner information, build relationships, and solicit cooperation

- Ability to provide prompt, informative, and accurate service and support to Members

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