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Direct Lending Jobs in Washington (NOW HIRING)

NFM Lending

Consumer Direct Loan Originator

Linthicum, MD · On-site

$11 - $14.42/hr

The Consumer Direct Loan Originator is responsible for originating residential mortgage loans ... Demonstrated knowledge of residential mortgage lending products, guidelines, and loan origination ...

FedChoice Federal Credit Union

VP of Lending

Lanham, MD · On-site

$125K - $190K/yr

FedChoice is looking for a VP of Lending to direct and supervise the Credit Union's lending operations, with a primary emphasis on consumer, real estate and participation/business lending, loan ...

FedChoice Federal Credit Union

VP of Lending

Lanham, MD · On-site

$125K - $190K/yr

FedChoice is looking for a VP of Lending to direct and supervise the Credit Union's lending operations, with a primary emphasis on consumer, real estate and participation/business lending, loan ...

Citi

Mortgage Home Lending Officer

Mitchellville, MD · On-site

Limited but direct impact on the business through the quality of the tasks/services provided ... The Home Lending Officer role represents the Retail Mortgage business providing superior service to ...

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All JobsDirect Lending JobsDirect Lending Jobs in Washington

Direct Lending information

See Washington salary details

$12.5K

$95.2K

$158K

How much do direct lending jobs pay per year?

As of Sep 6, 2026, the average yearly pay for direct lending in Washington is $95,179.00, according to ZipRecruiter salary data. Most workers in this role earn between $69,100.00 and $141,600.00 per year, depending on experience, location, and employer.

What is direct lending?

A Direct Lending job involves evaluating, originating, and managing loans provided directly to businesses or individuals without intermediaries like banks. Professionals in this field assess credit risk, structure loan terms, and ensure compliance with financial regulations. Roles can vary from credit analysis to portfolio management, focusing on providing customized financing solutions. Strong analytical skills, financial modeling, and an understanding of market trends are essential for success in this field.

What does a direct lending professional do?

A typical day in Direct Lending involves conducting due diligence on potential borrowers, analyzing financial statements, structuring loan terms, and preparing credit memos for approval. Team members often collaborate closely with credit committees, relationship managers, and legal specialists to ensure seamless deal processing and compliance with internal policies. Regular communication with clients is also a key aspect, as it helps address borrower inquiries and manage ongoing relationships. While the workflow can be dynamic, strong organization and prioritization skills help professionals stay on top of multiple concurrent transactions.

What skills and qualifications are needed for direct lending?

To thrive in Direct Lending, you need a solid understanding of credit analysis, financial structuring, and underwriting, often supported by a degree in finance, business, or a related field. Familiarity with loan origination systems, financial modeling software, and regulatory compliance requirements is typically expected. Strong interpersonal skills, attention to detail, and effective negotiation abilities are crucial for building client relationships and managing transactions. These competencies ensure accurate risk assessment, efficient deal execution, and successful portfolio management in a competitive lending environment.

How to get a job in direct lending?

To get a job in direct lending, candidates typically need a bachelor's degree in finance, economics, or a related field, along with strong analytical and communication skills. Relevant experience in banking, credit analysis, or financial services can improve chances, and certifications like the CFA or credit-specific training may be beneficial. Applying through financial institutions, networking, and demonstrating knowledge of lending processes are key steps.

What do direct lenders do?

Direct lenders provide loans directly to borrowers without intermediaries, often offering personal, business, or mortgage loans. They evaluate applicants' creditworthiness, set loan terms, and handle the approval process, typically using financial analysis and underwriting skills.
Direct Lending jobs near you
Infographic showing various Direct Lending job openings in Washington as of August 2026, with employment types broken down into 1% As Needed, 76% Full Time, 11% Part Time, 2% Temporary, and 10% Contract. Highlights an 89% Physical, 2% Hybrid, and 9% Remote job distribution, with an average salary of $95,179 per year, or $45.8 per hour.

Director of Consumer Lending, Direct

Andrews Federal Credit Union

Suitland, MD • On-site

Full-time

Medical, Dental, Vision, Life, Retirement, PTO

Re-posted 22 days ago

Job description

When you choose a job at Andrews Federal Credit Union, you give yourself the opportunity to grow, advance and make a difference. Andrews Federal is a mission-driven financial institution that focuses on giving members the tools they need to reach their financial goals.
We are continually developing our team of dedicated employees who are ready to serve. To create and retain this elite workforce, we offer highly competitive compensation and benefits plans, including highly desirable features like:
  • 12 Paid Holidays a Year, Including Your Birthday
  • Retirement Plans - 401(k) with a 6% Match
  • Childcare Stipend up to $2600 to assist Working Families
  • Discount on Lending Products.
  • Tuition Reimbursement and Career Development Programs and Opportunities
  • Employee Assistance Program - 24/7 Support for Families
  • Affordable Healthcare Plan including Medical, Dental, Vision, and Rx
  • Employer paid Long Term Disability, Life Insurance, and AD&D
  • Short-Term Disability
  • Vacation Leave and Sick Leave
  • Free Parking

And when you are part of Team Andrews, you have the opportunity to be part of something bigger, to support the financial goals and dreams of Andrews Federal members in the US, Europe and worldwide. Come be a part of our success story; and let us help you shape your career story!
Purpose of Position
The Director, Consumer Lending, Direct is responsible for organizing and directing the operations of a world class Consumer Lending Department including policies, procedures, compliance, budget, day-to-day operations, and production relative to the origination, underwriting, processing, closing, and servicing of consumer loans. Manages, evaluates, and coaches a team of originators, servicers, and processors. Monitors the rapidly changing legal/regulatory/competitive environment of consumer lending. Proactively manages consumer lending pipeline and processes to ensure timely and accurate loan processing, decisions, and closings.
Essential Duties
The position's essential duties include the following:
  • Develop loan operations production tactics to meet overall organizational and department goals. Effectively manages loan production and quality through the establishment of key performance measures. Manages the consumer loan pipeline for pending applications and ensures quality loan service for all parties. Coordinate loan activities between stateside and overseas branches to ensure uniform application of established procedures.
  • Design, develop, implement, and monitor internal operating policies, procedures and controls that provide acceptable levels of safety to credit union assets. Establish and monitor overall operating standards to ensure sound operating procedures. Monitor loan operation to ensure compliance with established loan policy and guidelines.
  • Administer loan origination system to manage pipeline, improve coordination and lower costs. Manage, administer, and monitor GAP, Credit Life and Disability, and Collateral Protection programs. Compile and report monthly departmental loan and statistical data.
  • Direct and manage the proper servicing of consumer loans including lien perfection and release, credit reporting, insurance follow up, collateral protection, and loan documentation collateral.
  • Direct and manage the activities of consumer lending employees to include ensuring employees understand assigned position duties and responsibilities, delegating tasks as appropriate, developing employee knowledge, skills, and abilities through professional/personal development opportunities, coaching and mentoring, as well as providing ongoing performance management and sustaining employee accountability.
  • Integrate the consumer lending department plans with organizational strategy for profitability and performance. Establish goals, forecast staffing needs, and determine infrastructure requirements. Perform portfolio and department profitability management through planning, staff productivity, and expense control. Effectively manages budget and resource allocation issues including budget development, budget management/administration, budget forecasting, variance analysis and budget reporting. Builds effective inter-departmental coordination and support.
  • Responsible for building an effective, healthy team environment within the consumer lending and supporting a productive team environment throughout the credit union. Effectively documents and resolves performance issues.
  • Understand regulatory compliance including all applicable consumer and real estate lending laws. Effectively develop, implement, and update complaint policy and procedures. Cooperate with internal and external compliance audits.
  • Remain cognizant of and adheres to Andrews Federal policies and procedures, and regulations pertaining to the Bank Secrecy Act.

Required KSAs
  • BA/BS degree in Business Administration or related field with 8+ years of experience of direct consumer lending experience in a financial services organization required.
  • Minimum of five (5) years of direct management experience.
  • Must have working knowledge in underwriting, processing, closing, and servicing consumer loans.
  • Must have working knowledge of applicable laws and regulations related to lending including, but not limited to, REG B , ECOA, FCRA, and Reg Z.
  • Must possess strong technical, quantitative reasoning, problem solving, organization, decision-making, and administrative skills.
  • Must exhibit exceptional staff and member relation skills.
  • Prior sales experience preferred.
  • Experience working in complex environments with a high degree of organizational effectiveness.
  • Proficiency with Microsoft Office required.
  • Excellent verbal, written, and exceptional organizational skills required.

Physical Requirements
  • Ability to sit at a desk and computer for extended periods.
  • Position based in Suitland, MD

Salary
$104,654.60 - $130,818.25
In accordance with the Americans with Disabilities Act, requirements may be modified to reasonably accommodate disabled individuals. However, no accommodation will be made which may pose serious health or safety risks to the employee or others or which impose undue hardships on the organization.

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