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Indirect Lending information

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$16

$24

$34

How much do indirect lending jobs pay per hour?

As of Jul 20, 2026, the average hourly pay for indirect lending in the United States is $24.84, according to ZipRecruiter salary data. Most workers in this role earn between $18.03 and $34.62 per hour, depending on experience, location, and employer.

What is the difference between Indirect Lending vs Loan Officer?

AspectIndirect LendingLoan Officer
CredentialsTypically requires a mortgage or lending license, relevant certificationsRequires mortgage or lending license, relevant certifications
Work EnvironmentWorks with dealerships or third-party partners to originate loansWorks directly with clients to evaluate and approve loan applications
Employer & Industry UsageCommon in auto, mortgage, and consumer lending sectorsCommon across banking, mortgage, auto, and personal lending

Indirect Lending involves collaborating with dealerships or third-party partners to originate loans, often focusing on auto or mortgage financing. Loan Officers work directly with individual clients to assess and approve loan applications. While both roles require similar licenses and certifications, their work environments and interactions differ significantly, with Indirect Lending emphasizing partnership channels and Loan Officers focusing on direct client engagement.

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

To thrive in Indirect Lending, you need a solid understanding of credit analysis, loan underwriting, and financial regulations, often supported by a degree in finance, business, or a related field. Familiarity with loan origination systems (LOS), automated decisioning tools, and compliance software is typically required. Strong relationship-building, negotiation, and communication skills help professionals collaborate effectively with dealerships and clients. These competencies are crucial for accurately assessing risk, ensuring regulatory compliance, and fostering profitable partnerships in a competitive lending environment.

What is indirect lending?

Indirect lending is a financing process where a lender, such as a bank or credit union, partners with third-party vendors like car dealerships or retailers to offer loans to customers. Instead of applying for a loan directly through the lender, customers can secure financing at the point of sale with the dealership or retailer, who then submits the application to the lender. This streamlines the buying process for consumers and helps lenders reach more potential borrowers. Indirect lending is commonly used in the auto industry but can also apply to other types of consumer goods and services. Lenders assess the creditworthiness of the applicant and make the final decision on the loan approval.

How does an Indirect Lending professional typically collaborate with dealerships and internal teams?

In Indirect Lending, professionals work closely with auto dealerships to process and approve loan applications for vehicle buyers. This requires frequent communication with dealership finance managers to clarify documentation, negotiate terms, and ensure a smooth funding process. Internally, they coordinate with underwriting, credit analysts, and loan processors to assess risk and expedite approvals. Building strong relationships and maintaining clear communication with both external partners and internal colleagues are crucial for success in this role.

What Are Indirect Lending Jobs?

Indirect lending is a process in which a borrower uses a third party to establish a loan with a lender. This field offers two primary job opportunities. As a loan processor, you decide whether the person wishing to borrow is an asset or a risk during the application process. Your responsibilities are to examine loan applications to verify credit history, income, and other financial aspects. As a relationship manager, you are an intermediary that creates a relationship with the borrower. Your duties are to identify and mitigate types of risks, build an effective network of clients, and acquire new clientele.

More about Indirect Lending jobs
What cities are hiring for Indirect Lending jobs? Cities with the most Indirect Lending job openings:
What are the most commonly searched types of Indirect Lending jobs? The most popular types of Indirect Lending jobs are:
What states have the most Indirect Lending jobs? States with the most job openings for Indirect Lending jobs include:
What job categories do people searching Indirect Lending jobs look for? The top searched job categories for Indirect Lending jobs are:
Indirect Lending jobs near you
Infographic showing various Indirect Lending job openings in the United States as of July 2026, with employment types broken down into 3% As Needed, 82% Full Time, 12% Part Time, 2% Contract, and 1% Nights. Highlights an 92% Physical, 2% Hybrid, and 6% Remote job distribution, with an average salary of $51,666 per year, or $24.8 per hour.
Indirect Lending Support Representative I

Indirect Lending Support Representative I

Banterra Bank

Paducah, KY • On-site

Full-time

Re-posted 5 hours ago

Job description

Summary: Responsible for processing and recording new loans, establishing relevant files, processing loan payments and assisting in maintaining loan records for indirect lending activities. Assist loan officers in activities such as disbursement of loan proceeds and obtaining appropriate collateral and loan information. Prepare loan documents, notices and periodic loan reports. Answer customer inquiries and resolve routine problems.
All employees are expected to protect the information and assets of the organization through heightened awareness of information security, cyber security, and risk management best practices, as well as complying with all applicable laws, regulations, and organizational policies.
Responsibilities: include but are not limited to the following. Other duties may be assigned.
  • Assist in processing loan applications from RV and marine dealers including entering applications in the automated loan underwriting system.
  • Verify loan application information with the applicant(s), other creditors, and the applicant's previous and current employers as needed. Request and gather additional information as required.
  • Close and fund approved loans, ensuring loan packages are complete and the documents are in compliance with applicable bank policy and regulatory guidance.
  • Compile approved loan packages and other required documentation for presentation to loan officers and/or credit administration.
  • Pull credit reports for loans and distribute to loan officers for review as needed.
  • Administer daily ACH transactions for payment to dealers and balance daily funding logs.
  • Verify collateral perfection on installment loans via lien and UCC filings is complete, and confirm the release thereof as needed.
  • Assist customers and other team members with phone and written inquiries relating to collateral or other loan information including processing customer loan payments.
  • Follow up on insurance, title and miscellaneous documents required on tickler reports.
  • Assist with repossession activities including reporting, assignment of units to be picked up and all related repossession paperwork as needed.
  • Assist with early payoff of loans, associated funding requirements and collateral release as needed.
  • Assist with training less experienced Indirect Lending Support Representatives.
  • Administer various reports on an ongoing basis (e.g., LIP, Booking, FL DOC, Return of Reserves, Delinquencies).
  • Scan and upload loan documents on a daily basis.
  • Mail welcome letters to customers and proactively contact customers to answer questions.
  • Receive and organize daily mail to inventory daily loans payments and payoffs.
  • Assist in the new dealer application approval process, including but not limited to, ensuring all documentation is received and completed, creating a new dealer file to include all current and future documents relating to the dealer, coordinate the approval process with the appropriate Indirect Lending Officer and upper management.

Qualifications and Skills: To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skills and abilities required. Reasonable accommodations may be made to enable individuals with disabilities to perform essential functions.
Education/Experience:
  • High School diploma or equivalent.
  • Minimum of three years of loan support or processing with indirect lending activities.

Knowledge/Skills/Abilities:
  • Must successfully meet the requirements of Indirect Lending Support Representative I position.
  • Strong organizational skills and attention to detail.
  • Strong customer service orientation.
  • Ability to problem solve, prioritize tasks and meet required deadlines.
  • Ability to respond to common inquiries or complaints from customers, co-workers or vendors.
  • Ability to write routine correspondence and communicate effectively and tactfully, orally and in writing with employees, customers, vendors and management.
  • Ability to define problems, collect data, establish facts and draw valid conclusions.
  • Must understand and comply with company policies and procedures.
  • Ability to maintain a friendly, helpful and courteous attitude when working with customers or co-workers under diverse conditions.
  • Ability to accurately and quickly complete standard mathematical calculations.
  • Ability to apply concepts such as fractions, percentages, ratios and proportions to practical situations.
  • Ability to use a calculator, computer and applicable software programs including various lending programs.
  • Ability to use Microsoft Internet Explorer and Microsoft Office programs, specifically Word, Outlook and Excel.

Physical Demands: The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. The employee must have the ability to lift and carry 25 pounds for a distance of 50 feet.
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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