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Consumer Loan Officer Jobs (NOW HIRING)

American First Credit Union

Consumer Loan Officer

Brea, CA · On-site

$24.35 - $34/hr

Consumer Loan Officer As an American First Associate, you'll play a vital role in serving the community while enjoying a rewarding career. We are a $1.3 Billion financial institution located in Brea ...

American First Credit Union

Consumer Loan Officer

Brea, CA · On-site

$24.35 - $34/hr

Consumer Loan Officer As an American First Associate, you'll play a vital role in serving the community while enjoying a rewarding career. We are a $1.3 Billion financial institution located in Brea ...

Sun Federal Credit Union

Consumer Loan Officer

Maumee, OH · On-site

$23.37 - $27.75/hr

The Consumer Loan Officer provides a full range of products and services to members with an emphasis for acquiring, expanding, and enriching member relationships. The individual in this position must ...

Sun Federal Credit Union

Consumer Loan Officer

Maumee, OH · On-site

$23.37 - $27.75/hr

The Consumer Loan Officer provides a full range of products and services to members with an emphasis for acquiring, expanding, and enriching member relationships. The individual in this position must ...

Kingston National Bank

Consumer Loan Officer

Amanda, OH · On-site

The Consumer Loan Officer services a loan portfolio and develops new relationships through prospective customer calling. Reviews, rates, and advises financial institution on approved loans by working ...

Kingston National Bank

Consumer Loan Officer

Amanda, OH · On-site

The Consumer Loan Officer services a loan portfolio and develops new relationships through prospective customer calling. Reviews, rates, and advises financial institution on approved loans by working ...

Great Plains Bank

CONSUMER LOAN OFFICER

Edmond, OK · On-site

This position will evaluates and recommend approval of customer applications for consumer loans ... the loan officers. Monitors files to assure that up-to-date financial statements, accounts ...

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Consumer Loan Officer information

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How much do consumer loan officer jobs pay per hour?

As of Sep 4, 2026, the average hourly pay for consumer loan officer in the United States is $25.34, according to ZipRecruiter salary data. Most workers in this role earn between $19.95 and $28.37 per hour, depending on experience, location, and employer.

What is a consumer loan officer?

Consumer Loan Officers are financial professionals who help individuals obtain loans for personal needs such as buying a car, financing a home, or consolidating debt. They evaluate applicants' creditworthiness, explain loan options, collect financial information, and guide clients through the loan application process. Consumer Loan Officers also ensure that all necessary documents are complete and verify that applicants meet lending criteria set by their financial institution.

What does a consumer loan officer do?

A consumer loan officer reviews and assesses loan applications at a commercial bank or other financial institution. As a consumer loan officer, your duties are to figure out whether a client is eligible for a mortgage or personal loan, what their current assets and risks are, and connect them with the appropriate lenders to help facilitate the loan process. You perform personal interviews with applicants, research different lenders, and help your customers choose a good loan. Your responsibilities also include administrative functions, such as record keeping, billing and payment operations, and customer service.

What are the key skills and qualifications needed to thrive as a consumer loan officer, and why are they important?

To thrive as a Consumer Loan Officer, you need a solid understanding of lending practices, credit analysis, and financial documentation, often supported by a bachelor’s degree in finance or a related field. Familiarity with loan origination systems, credit scoring software, and regulatory compliance tools is typically required. Strong interpersonal skills, attention to detail, and persuasive communication are vital for building client relationships and accurately evaluating applications. These competencies ensure responsible lending, regulatory adherence, and customer satisfaction in a competitive financial environment.

What are some common challenges consumer loan officers face when evaluating loan applications?

Consumer Loan Officers often encounter challenges such as assessing the creditworthiness of applicants with limited credit history, interpreting complex financial documents, and balancing the need for risk management with excellent customer service. They must also keep up with changing lending regulations and ensure compliance throughout the loan process. Developing strong analytical skills and maintaining up-to-date knowledge of industry best practices helps overcome these challenges and ensures sound lending decisions.

What is the difference between Consumer Loan Officer vs Mortgage Loan Officer?

AspectConsumer Loan OfficerMortgage Loan Officer
Required CredentialsHigh school diploma or equivalent; some roles may require licensingHigh school diploma; state licensing and certifications often required
Work EnvironmentBank branches, credit unions, online lending platformsMortgage broker offices, banks, credit unions
Employer & IndustryFinancial institutions offering personal, auto, and consumer loansMortgage lenders, banks, real estate companies
Common Search & ComparisonConsumer Loan Officer vs Mortgage Loan Officer

Consumer Loan Officers primarily handle personal, auto, and other consumer loans, focusing on individual financial needs. Mortgage Loan Officers specialize in home loans, guiding clients through the mortgage process. While both roles involve assessing creditworthiness and explaining loan options, their target loan types and work environments differ.

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What are popular job titles related to Consumer Loan Officer jobs?

For Consumer Loan Officer jobs, the most frequently searched job titles are:

Consumer Loan Officer jobs near you
Infographic showing various Consumer Loan Officer job openings in the United States as of August 2026, with employment types broken down into 96% Full Time, and 4% Part Time. Highlights an 99% Physical, and 1% Remote job distribution, with an average salary of $52,717 per year, or $25.3 per hour.

Consumer Loan Officer

American First Credit Union

Brea, CA • On-site

$24.35 - $34/hr

Full-time

Medical, Dental, Vision, Life, Retirement, PTO

Re-posted 10 days ago

Job description

Consumer Loan Officer

As an American First Associate, you’ll play a vital role in serving the community while enjoying a rewarding career. We are a $1.3 Billion financial institution located in Brea, CA looking for Consumer Loan Officer with excellent customer service skills, initiative and a desire to work in a team setting.


Position Summary

 Thi     This position is responsible for the underwriting of direct and indirect consumer loan applications, making credit decisions, and cross-selling other consumer loan products. In addition, this position will review and analyze complex loan requests to include interpreting credit profiles, assessing the ability to repay, decisioning loans and understanding member’s needs while keeping the safe and soundness of the credit union in mind. 

posi     This position will focus on consumer loan products including automobiles, personal loans, credit cards, boats, RV’s, motorcycles and other secured products.                                                                                 Accurately and efficiently communicating and working with our members and dealerships is a key to success in this position. 

 

Salary Range: $24.35-$34.00 

The salary ranges for positions are based on current market industry studies as well as job evaluations. During the offer phase Management will determine the appropriate compensation within the compensation range based on experience, education and internal equity. 


Qualifications

  • High school diploma or General Equivalent Diploma (GED).
  • Minimum three year’s experience in underwriting consumer loans in an indirect and direct lending environment.
  • Working knowledge of all consumer lending products.
  • Strong knowledge and experience of consumer credit laws and regulations.
  • Ability to verify and calculate income by using paystubs.
  • Ability to read and analyze personal and business tax returns.
  • Ability to effectively communicate adverse loan decisions.
  • Excellent Member Service skills and the ability to rework deals with dealerships.
  • Competent in problem solving, time management and organizational skills.
  • Proficient in Excel, Word and automated lending software.


Schedule

Onsite position

Mon-Fri 9:00am-6:00pm; One Saturday (8am-5pm) a month 

Must reside in the state of CA or willing to self-relocate


Benefits

Safe and Secure Since 1952. At American First, our allegiance is to the Member. As a financial cooperative, owned entirely by Members, our goal is to provide the highest quality financial services. We offer excellent benefits: medical, dental, vision, paid life, Long term disability and AD&D insurance, generous 401(K) plan with employer match, financial advisor, free banking, discounts on consumer loans, paid holidays, vacation, sick, flexible spending accounts, tuition reimbursement, special recognition programs and much more. 


To learn more about us, please visit us at https://www.amerfirst.org/JoinOurTeam.aspx



We perform thorough background and credit check. 

American First Credit Union is an EEO/AA/Disability/Vets Employer