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Lending Officer Jobs (NOW HIRING)

Cypress HCM

Commercial Lending Officer

Cincinnati, OH

$110K - $140K/yr

Commercial Lending Officer Location : Blue Ash, OH (On-Site) Pay: $110,000-140,000 (compensation can vary depending on experience) + Benefits, Community Involvement, PTO, 401k match (10% dollar for ...

Bank of the Orient

Senior Lending Officer

Millbrae, CA · On-site

$120K - $170K/yr

Senior Lending Officer Bank of the Orient is an independent Asian Community Bank that has proudly served the financial needs of multiple Bay Area communities for over 55 years and the Texas area. We ...

Kids for the Future

Chief Lending Officer

Maple Grove, MN · On-site

$165 - $220/hr

Job Category Leadership, Retail Banking, Lending * Employee Type FT Exempt * Required Degree 4 Year Degree * Manage Others Yes TopLine Financial Credit Union has been a member-owned financial ...

Bankeasy

Chief Lending Officer

Brookings, SD

... lending, orthe equivalent. Must havedemonstratedskills in underwriting loans, managing large ... Provide support and guidance to the bank presidents and loan officers on credit related issues ...

BankEasy

Chief Lending Officer

Sioux Falls, SD · On-site

... lending, or the equivalent. Must have demonstrated skills in underwriting loans, managing large ... Provide support and guidance to the bank presidents and loan officers on credit related issues ...

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All JobsLending Officer Jobs

Lending Officer information

See salary details

$22.5K

$70.3K

$126.5K

How much do lending officer jobs pay per year?

As of Jul 20, 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 are Lending Officers?

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 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.

What are the key skills and qualifications needed to thrive as a Lending Officer, and why are they important?

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.
More about Lending Officer jobs
What cities are hiring for Lending Officer jobs? Cities with the most Lending Officer job openings:
What are the most commonly searched types of Lending Officer jobs? The most popular types of Lending Officer jobs are:
What states have the most Lending Officer jobs? States with the most job openings for Lending Officer jobs include:
What are popular job titles related to Lending Officer jobs? For Lending Officer jobs, the most frequently searched job titles are:
Lending Officer jobs near you
Infographic showing various Lending Officer job openings in the United States as of July 2026, with employment types broken down into 99% Full Time, and 1% Part Time. Highlights an 95% Physical, 2% Hybrid, and 3% Remote job distribution, with an average salary of $70,335 per year, or $33.8 per hour.
Consumer Lending Officer

Consumer Lending Officer

Tropical Financial Credit Union

Miramar, FL • On-site

Full-time

Medical, Dental, Vision, Life, Retirement, PTO

Re-posted 9 days ago

Job description

Description
Are you looking for an organization that values your experience? If so, keep reading!
Tropical FCU (TFCU) is a Sun-Sentinel Top Workplace EIGHT years in a row. Being part of TFCU will provide you with opportunities to engage by learning, growing, contributing, collaborating, and developing professionally. Join us for a great employee experience focused on engaging employees and members alike.
GENERAL RESPONSIBILITIES: The Consumer Lending Officer presents members and potential members with lending products and services to satisfy the member's financial needs. The Consumer Lending Officer will support members and potential members by opening new accounts, processing account transactions, and presenting information regarding lending products and services that meet the member's needs. The role's primary responsibility includes loan origination and processing duties, which entail that loans are processed accurately and fully and serviced to the member's satisfaction while maintaining compliance with all relevant regulations. The Consumer Lending Officer is expected to build strong relationships with members, vendors, branch networks, and other internal partners while delivering exceptional customer service that aligns with the organization's standards. This role ensures that the Consumer Lending Officer can handle the full spectrum of consumer lending tasks, from initial consultation and loan origination to processing, funding, and compliance, all while maintaining a strong focus on member satisfaction and regulatory adherence.
JOB SPECIFIC INFORMATION
Essential Duties and Responsibilities include the following.
  • Assist members and potential members with their financial needs, providing personalized recommendations for products and services, including loans and credit options.
  • Handle inbound and outbound consumer loan origination calls, ensuring a smooth, efficient, and timely loan application process.
  • Employ consultative integrity sales techniques for the member's advantage during loan interviews to identify and cross-sell products and services that meet members' financial needs.
  • Conduct daily follow-up calls and communicate loan decisions to members.
  • Provide support via the appropriate electronic communications channels, including phone, fax, and email, to ensure superior member service and timely responses to inquiries.
  • Prepare and process accurately and thoroughly all required loan documentation for approved consumer, credit card, and recreational loan applications, ensuring accuracy and compliance with credit union policies and procedures.
  • Analyze credit reports, debt-to-income ratios, loan-to-value ratios, and other financial metrics to make informed lending decisions.
  • Maintain a pipeline of active loan approvals and meet turnaround time standards for funding.
  • Coordinate with members to obtain necessary documentation, prepare closing documents, and ensure all closed loans are accurately completed and signed as per TFCU Rules and Regulations.
  • Clear loan conditions, post loans, and process credit card advances as required.
  • Perform post-closing audits and maintain the application system with loan status updates.
  • Meet or exceed monthly sales goals for products such as Credit Life, Disability, Guaranteed Asset Protection (GAP), Mechanical Breakdown (MBP), Mortgage, and Home Equity and referrals of any other relevant products and services.
  • Maintain comprehensive knowledge of regulations, including the Bank Secrecy Act, Customer Identification Program, USA Patriot Act, OFAC, Fair Lending, and the Credit Card Act.
  • Ensure compliance with all credit union policies and procedures, particularly those related to anti-money laundering and the Bank Secrecy Act.
  • Complete required training courses, including BSA and OFAC, at least annually to ensure ongoing compliance with regulatory requirements.
  • Build positive relationships with vendors, internal partners, and team members in a collaborative environment.
  • Serve as a mentor to newly hired employees, assisting with training needs and providing guidance as needed.

BSA Compliance: Every employee is required to uphold the Credit Union's compliance with the Bank Secrecy Act (BSA) and anti-money laundering (AML) policies and procedures.
  • This role takes into consideration the awareness of unusual or suspicious activity that is relevant to the department.
  • In addition to any other assigned training courses, online BSA and OFAC courses must be completed at least annually.
  • Ensure ongoing individual compliance with all regulatory requirements established in the SAFE Act, if required.
  • Knowledgeable of BSA, Customer Identification Program (CIP), USA Patriot Act, OFAC, Fair Lending, and Credit Card Act.
  • Comply with all TFCU policies and procedures to ensure compliance with such regulations.

Performs related duties as required with or without accommodation.
We offer Excellent Benefits such as:
  • Medical, Rx, Dental, and Vision Insurance
  • Retirement Profit Sharing 401K Plan
  • Accident, Cancer and Hospital Indemnity Plan
  • Prepaid Legal
  • Voluntary Life Insurance
  • Pet Discount Program
  • Paid Time Off/ 11 Paid Holidays
  • Tuition Reimbursement/Student Loan Paydown Program
  • And so much more!

Requirements
EDUCATION AND EXPERIENCE:
  • High school diploma required. A college degree or college courses in a related field are highly preferred.
  • At least three years of customer service experience in a professional services environment is required.
  • A minimum of three years of consumer lending processing experience or equivalent is required.
  • At least three years of Credit Union/financial services experience is required.

QUALIFICATIONS: 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, skill and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
  • Knowledge of credit reports, credit scoring, title documents, vehicle valuations, auto insurance appraisals, payment protection, GAP, and MBP products.
  • Comprehensive understanding of loan contracts, including APR, amortization schedules, simple interest calculations, and ability to analyze financial data.
  • Ability to calculate figures and amounts such as discounts, interest, commission, proportions, percentages, and volume. Ability to apply concepts of basic arithmetic.
  • Understanding of underwriting guidelines.
  • Must display a strong sense of integrity in all of their interactions.
  • Proven organizational, critical thinking and analytical skills, and display the ability to analyze financial data related to the members and potential members.
  • Excellent interpersonal and communication skills and display a strong ability to multi-task and adapt in a face paced environment.
  • Ability to communicate verbally and in writing to all levels of members, non-members, and employees, including Management.
  • Participate in teamwork, as well as, the willingness and ability to learn new tasks and duties within a changing and work in a high volume, fast-paced work environment.
  • May participate or serve as a lead in a project for the sake of continuous improvement.
  • Actively contributes and participates in and completes all ongoing required loan training.
  • Ability to prepare reports with detailed feedback, and add notes in members' records as needed Must possess above average time management, problem-solving and prioritization skills
  • Display a high degree of motivation, initiative, collaboration and actively interact and be an engaged team player
  • Strong technical abilities to learn and effectively conduct transactions on member database, interact and communicate with enterprise communication systems, e.g., phone calls, messaging, email, etc.
  • Attention to Detail to read and interpret documents such as policy, procedure manuals and job-aides and provide recommendations for improvement when necessary.
  • Ability to apply math principles to transactions, and any other related activity.
  • Ability to work independently, display initiative and flexibility, with work with minimal supervision and meet deadlines in an organized and timely fashion.
  • Willingly adapt to changes in the work environment. Seeks and participates in TFCU-supported self-directed development programs.
  • Ability to ensure minimal to no errors are made while handling their job functions and mitigate fraud and adhere closely to security standards of operation. Ability to review others work to ensure compliance and adherence to policies, and procedures.
  • Exhibit high degree of professionalism and confidentiality in handling and accessing to sensitive information.
  • Ability to work flexible hours, evenings and weekends and overtime as needed
  • Must have working knowledge of computers, strong administrative, operational and sales skills and must have practical knowledge of MS Office, Outlook, Excel and Word to compile data and write reports.

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. While performing the duties of this job, the employee is regularly required to talk or hear. The employee frequently is required to stand, walk, sit and use hands to handle or touch. The employee is occasionally required to reach with hands and arms. The employee must occasionally lift and/or move up to 10 pounds. Specific vision abilities required by this job include close vision, and ability to focus. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

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