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Lending Officer Jobs (NOW HIRING)

African-American Credit Union Coalition

As Chief Lending Officer, you'll provide strategic leadership for all lending functions, including consumer, mortgage, commercial, and indirect lending. As a member of the executive leadership team ...

WOMENVENTURE

Chief Lending Officer

Saint Paul, MN

$126K - $140K/yr

Chief Lending Officer Supervisor: Chief Executive Officer Department: Lending FLSA Status: Full time, exempt Salary Range: $126,000 - 140,000 Location: Hybrid (60% virtual, 40% in person) ** Must be ...

First Secure Bank & Trust, Inc.

Chief Lending Officer West Central Illinois Community Bank location Position Overview An independently owned, West Central Illinois community bank, is seeking an energized, experienced lender to work ...

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Lending Officer information

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$22.5K

$70.3K

$126.5K

How much do lending officer jobs pay per year?

As of Sep 13, 2026, the average yearly pay for lending officer in the United States is $70,335.00, according to ZipRecruiter salary data. Most workers in this role earn between $46,000.00 and $90,000.00 per year, depending on experience, location, and employer.

What is a lending officer?

Lending Officers, also known as loan officers, are financial professionals who evaluate, authorize, or recommend approval of loan applications for individuals and businesses. They work at banks, credit unions, and other financial institutions, guiding clients through the lending process. Their duties include assessing creditworthiness, verifying financial information, and ensuring compliance with lending regulations. Lending Officers play a critical role in helping clients secure mortgages, personal loans, business loans, and other financial products.

What are the key skills and qualifications needed to thrive as a lending officer?

To thrive as a Lending Officer, you need a solid understanding of financial analysis, credit assessment, and banking regulations, usually supported by a finance or business degree. Familiarity with loan origination software, credit scoring systems, and compliance platforms is typically required. Strong interpersonal skills, attention to detail, and effective communication enhance client relationships and decision-making. These skills ensure sound lending decisions, regulatory compliance, and customer satisfaction in a competitive financial environment.

How does a lending officer typically collaborate with underwriters and relationship managers during the loan approval process?

Lending Officers work closely with underwriters by preparing and submitting comprehensive loan packages that include all necessary documentation and client information. They also collaborate with relationship managers to gather client insights and ensure alignment on customer needs and risk profiles. Regular communication and joint meetings are common, particularly for complex or high-value loans, to streamline decision-making and address any questions or concerns promptly. This teamwork helps ensure a smooth loan approval process and enhances the client experience.

What is the difference between Lending Officer vs Loan Processor?

AspectLending OfficerLoan Processor
CredentialsTypically requires a high school diploma or bachelor’s degree; may need licensing or certifications like NMLSUsually requires a high school diploma; some roles prefer additional training or certifications
Work EnvironmentCustomer-facing, sales-oriented, often in banks or lending institutionsAdministrative, behind-the-scenes, processing loan applications in banks or mortgage companies
Primary ResponsibilitiesAssess borrower needs, recommend loan products, approve or deny loan applicationsGather documents, verify information, prepare loan files for approval

While both roles are integral to the lending process, Lending Officers focus on client interaction and loan approval decisions, whereas Loan Processors handle the administrative tasks of preparing and verifying loan applications. Understanding these differences helps job seekers identify the right career path in the lending industry.

Do lending officers make lots of money?

Lending officers typically earn a salary that varies based on experience, location, and the size of the institution, with median annual wages around $60,000 to $70,000. They may also receive commissions or bonuses based on loan volume, which can increase total earnings. Overall, while some lending officers can earn high incomes, many earn moderate salaries aligned with industry standards.

Is it difficult to be a lending officer?

Being a lending officer involves assessing loan applications, analyzing financial information, and making approval decisions, which requires strong analytical skills and attention to detail. The role can be demanding due to regulatory compliance, customer interactions, and the need to meet sales or approval targets, but it also offers opportunities for career growth with relevant experience and certifications such as loan officer licenses.
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Lending Officer jobs near you
Infographic showing various Lending Officer job openings in the United States as of August 2026, with employment types broken down into 97% Full Time, and 3% Part Time. Highlights an 99% Physical, and 1% Remote job distribution, with an average salary of $70,335 per year, or $33.8 per hour.

Chief Lending Officer

Maple Grove, MN • On-site

Minnesota League of Credit Unions
See more jobs at Minnesota League of Credit Unionsexternal

$165K - $220K/yr

Other

Re-posted 23 hours ago

Key responsibilities

  • Oversee consumer lending, mortgage lending, business and commercial lending, indirect lending, loan servicing, and collections.

  • Develop enterprise lending strategy, establish credit policy, guide risk-based pricing, and ensure growth, credit quality, and member value.

  • Guide the complete lending lifecycle, ensuring lending decisions are grounded in consistent credit philosophy, disciplined risk management, and exceptional member service.

Job description

TopLine Financial Credit Union - Maple Grove, MN

Full-time

Salary: $165,000.00 - $220,000.00 Annually

Application Deadline: Sep 23, 2026

Lead Smart Growth. Protect What's Built. Shape What's Next.

Do You Belong Here?

TopLine Financial Credit Union is seeking a strategic, forward-thinking executive to serve as its next Chief Lending Officer. This is an opportunity to join a high-performing organization where lending is more than a business line - it's the engine that fuels growth, strengthens member relationships, and supports long-term financial success.

For more than 90 years, TopLine Financial Credit Union has helped individuals, families, and businesses throughout the Twin Cities achieve their financial goals. Headquartered in Maple Grove, Minnesota, TopLine has earned a reputation for combining financial strength with exceptional member service, innovative lending solutions, and a culture committed to continuous improvement.

Reporting directly to the President/CEO, the Chief Lending Officer will join the executive leadership team and oversee consumer lending, mortgage lending, business and commercial lending, indirect lending, loan servicing, and collections. This leader will guide the credit union's lending philosophy while ensuring growth, credit quality, member value, and sound risk management remain aligned.

Located just northwest of Minneapolis, Maple Grove consistently ranks among Minnesota's best places to live, offering outstanding schools, vibrant retail and dining, abundant parks and trails, and convenient access to everything the Twin Cities has to offer.

Is Your Purpose Guiding Members Through the Lending Lifecycle?

Reporting directly to the President/CEO, the Chief Lending Officer serves as the executive responsible for TopLine's lending strategy and the stewardship of its largest earning asset. This leader will oversee the complete lending lifecycle while ensuring lending decisions are grounded in consistent credit philosophy, disciplined risk management, and exceptional member service.

The CLO will develop enterprise lending strategy, establish credit policy, strengthen portfolio analytics, guide risk-based pricing, and partner closely with executive leadership to ensure sustainable portfolio growth across consumer, mortgage, commercial, and indirect lending. Success requires balancing growth, yield, and credit quality - not viewing them as competing priorities.

The ideal candidate combines strategic thinking with operational excellence. They understand that strong lending organizations are built through disciplined processes, data-driven decision-making, continuous improvement, and leaders who develop exceptional teams. They are equally comfortable discussing balance sheet strategy in the boardroom as they are coaching lending leaders and improving day-to-day operations.

Can We Grow Together?

The ideal candidate is an accomplished executive with 15+ years of progressive lending leadership experience, including responsibility for multiple lending functions and ownership of lending performance across an organization. A bachelor's degree in finance, business, economics, or a related field is required, while an MBA or other advanced degree is strongly preferred. Credit union experience is preferred, although accomplished banking and financial services executives are encouraged to apply.

Candidates should bring demonstrated success leading consumer, mortgage, business, commercial, or indirect lending while developing credit policy, portfolio analytics, and risk-based lending strategies that produce sustainable results. Experience leading organizational change, improving business processes, leveraging data to guide decisions, and developing high-performing leadership teams will be essential.

Beyond technical expertise, this leader will bring executive presence, sound judgment, and a collaborative leadership style. They will build trusted relationships across the executive team, confidently engage with the Board of Directors, and help position TopLine for continued success through thoughtful leadership and disciplined execution.

As TopLine Financial Credit Union continues to grow, the Chief Lending Officer will play a defining role in shaping the organization's future while protecting one of its most valuable assets - its lending portfolio - and the trust its members place in it every day.

The target salary range for this position is $165,000–$220,000 annually.

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