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Indirect Loan Officer Jobs (NOW HIRING)

Addison Group

Indirect Underwriter

Austin, TX · On-site

$70K - $82K/yr

Indirect Loan Officer Position Summary We are seeking an experienced Indirect Loan Officer to join a growing financial institution. This role is responsible for evaluating and approving indirect ...

Addison Group

Indirect Underwriter

Austin, TX · On-site

$70K - $82K/yr

Indirect Loan Officer Position Summary We are seeking an experienced Indirect Loan Officer to join a growing financial institution. This role is responsible for evaluating and approving indirect ...

City Bank

Indirect Auto Lender

Forney, TX · On-site

City Bank is seeking a motivated and customer-focused Indirect Auto Lending Officer to help drive ... Provide input to officers on loan requests as to credit quality, structure and pricing. * Maintain ...

City Bank

Indirect Auto Lender

Lubbock, TX

City Bank is seeking a motivated and customer-focused Indirect Auto Lending Officer to help drive ... Provide input to officers on loan requests as to credit quality, structure and pricing. * Maintain ...

A B D Federal Credit Union

Loan Officer

Warren, MI · On-site

COLA Increase After 90 Days We are seeking a motivated and experienced Loan Officer who is ready to ... Solid understanding of direct/indirect lending products and practices * Excellent communication and ...

Filo Mortgage LLC

Loan Officer- Remote

The Loan Officer evaluates and authorizes approval or denies loan applications for individuals or ... Solid understanding of direct/indirect lending products and practices * Excellent communication and ...

Dannemora Federal Credit Union

Loan Clerk

Plattsburgh, NY · On-site

$17.60 - $26.40/hr

Takes member loan applications and prepares them for review by a Loan Officer; revisits with the ... Ensures timely review of Indirect Lending loan applications by regularly monitoring the Indirect ...

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Indirect Loan Officer information

See salary details

$29K

$48.7K

$84K

How much do indirect loan officer jobs pay per year?

As of Sep 3, 2026, the average yearly pay for indirect loan officer in the United States is $48,682.00, according to ZipRecruiter salary data. Most workers in this role earn between $37,500.00 and $51,000.00 per year, depending on experience, location, and employer.

What is an indirect loan officer?

Indirect Loan Officers are financial professionals who work with third-party dealers, such as auto dealerships, to process and approve loans for customers purchasing vehicles or other large items. They act as intermediaries between the financial institution and the dealer, reviewing loan applications, evaluating creditworthiness, and ensuring all documentation is complete. Their goal is to facilitate smooth lending processes for both the customer and the dealer while ensuring compliance with lending regulations and policies.

How does an indirect loan officer typically collaborate with auto dealerships, and what challenges might arise in this partnership?

An Indirect Loan Officer works closely with auto dealerships to process and approve consumer loans for vehicle purchases. This partnership requires regular communication to ensure timely application submissions, accurate documentation, and compliance with lending policies. Common challenges include managing high application volumes, addressing discrepancies in paperwork, and balancing dealership expectations with the financial institution’s risk guidelines. Successful officers build strong relationships with dealership staff while maintaining objectivity and adherence to regulations.

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

To thrive as an Indirect Loan Officer, you need a solid understanding of consumer lending, credit analysis, and financial regulations, often supported by a bachelor's degree in finance or a related field. Familiarity with loan origination software, credit reporting systems, and compliance tools is typically required. Exceptional interpersonal skills, negotiation abilities, and attention to detail help build strong relationships with dealers and clients while ensuring accurate documentation. These skills and qualities are essential for efficiently processing indirect loans, mitigating risks, and fostering business growth through productive partnerships.

What is the difference between Indirect Loan Officer vs Direct Loan Officer?

AspectIndirect Loan OfficerDirect Loan Officer
CredentialsTypically requires a high school diploma or equivalent; some roles prefer a college degreeSimilar credential requirements; often similar licensing depending on state
Work EnvironmentWorks at dealerships or third-party locations, facilitating loans through partnersWorks directly with clients at bank branches or lending offices
Employer & Industry UsageCommonly employed by auto dealerships, mortgage brokers, and third-party lendersEmployed by banks, credit unions, or direct lenders

While both roles involve helping clients secure loans, an Indirect Loan Officer primarily works through dealership or third-party channels, whereas a Direct Loan Officer interacts directly with borrowers at financial institutions. The core skills and credentials are similar, but the work environment and employer types differ.

More about Indirect Loan Officer jobs

What job categories do people searching Indirect Loan Officer jobs look for?

The top searched job categories for Indirect Loan Officer jobs are:

Indirect Loan Officer jobs near you
Infographic showing various Indirect Loan Officer job openings in the United States as of August 2026, with employment types broken down into 93% Full Time, and 7% Part Time. Highlights an 97% Physical, 1% Hybrid, and 2% Remote job distribution, with an average salary of $48,682 per year, or $23.4 per hour.

Indirect Underwriter

Addison Group

Austin, TX • On-site

$70K - $82K/yr

Other

Medical, Dental, Vision, Retirement

Re-posted 12 hours ago

Job description

Indirect Loan Officer

Position Summary

We are seeking an experienced Indirect Loan Officer to join a growing financial institution. This role is responsible for evaluating and approving indirect consumer loan applications, maintaining strong dealer relationships, and delivering exceptional service to members and business partners. The ideal candidate has a strong background in indirect auto lending, sound credit judgment, and the ability to make timely lending decisions while ensuring compliance with applicable regulations and internal policies.

Key Responsibilities

  • Review, analyze, and make credit decisions on indirect consumer loan applications within assigned lending authority.
  • Interview applicants, process loan applications, prepare loan documentation, and coordinate loan closings.
  • Build and maintain strong relationships with automotive, marine, and other indirect lending partners.
  • Communicate with dealers, members, and third parties regarding loan products, application status, and financing options.
  • Maintain loan production goals while monitoring portfolio quality and delinquency levels.
  • Cross-sell financial products and services by identifying member needs and recommending appropriate solutions.
  • Assist members with account-related questions and provide professional, high-quality customer service by phone and in person.
  • Process transactions accurately using loan origination systems, credit bureau platforms, and other lending technologies.
  • Assist with collections on assigned delinquent accounts.
  • Perform quality assurance reviews and support internal audits to ensure compliance with lending policies and procedures.
  • Train and mentor team members while promoting service excellence and regulatory compliance.
  • Collaborate with departments across the organization to support operational efficiency and member satisfaction.
  • Maintain accurate records while safeguarding confidential financial information.
  • Perform additional duties as assigned.

Qualifications

Required Experience

  • High school diploma or equivalent.
  • Minimum of 3 years of indirect auto lending experience.
  • Experience evaluating and approving or declining consumer auto loans within established lending authority.
  • Strong understanding of dealership lending practices and indirect financing.

Preferred Qualifications

  • Advanced knowledge of consumer lending, credit analysis, and loan underwriting.
  • Experience working in a financial institution or consumer lending environment.
  • Familiarity with loan origination systems and credit bureau platforms.

Knowledge & Skills

  • Strong credit analysis and underwriting skills.
  • Knowledge of consumer lending regulations and compliance requirements, including fair lending and consumer protection laws.
  • Excellent verbal and written communication skills.
  • Strong organizational skills with the ability to manage multiple priorities in a fast-paced environment.
  • High level of professionalism, integrity, and attention to detail.
  • Ability to build and maintain productive relationships with dealers, members, and internal teams.
  • Proficiency with Microsoft Office and lending software.

Additional Requirements

  • Ability to maintain confidentiality and exercise sound judgment.
  • Ability to work independently while contributing to a collaborative team environment.
  • Regular, reliable attendance.
  • Valid Texas driver's license and proof of current automobile insurance.

Location: Austin, TX (Hybrid)

Compensation: $70,000 – $82,000

Benefits: Medical, Dental, Vision and 401k Match