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Lending Officer Jobs (NOW HIRING)

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Chief Lending Officer (CLO)

Meridian, ID · On-site

The Chief Lending Officer (CLO) serves as a key member of the Executive Leadership Team responsible for establishing and executing CapEd's enterprise lending strategy across commercial, business ...

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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.

VP/BUSINESS LENDING OFFICER

Fort Wayne, IN • On-site

FORT FINANCIAL CREDIT UNION
See more jobs at FORT FINANCIAL CREDIT UNIONexternal

Full-time

Re-posted 13 days ago

Job description

The primary purpose of this position is to assist Fort Financial Credit Union by delivering outstanding service to both internal and external members/business members. A key element of excellent service is to identify the financial needs of each member/business member and recommend an appropriate credit union solution. In addition, this position may receive business members in person and by telephone. May be required to conduct in-depth interviews with business members or their consultants directly and by telephone to obtain all necessary information for making credit decisions. Makes sound credit decisions regarding the approval of member business loans to ensure the lowest element of risk. Manage the day-to-day operation of the Business Lending department. Ensure compliance with state and federal lending laws. Monitor and analyze economic conditions affecting the business lending loan industry and recommend appropriate action. Support, lead, mentor, and coach staff to exceed credit unions expectations.
Critical Requirements of the position include:
Strong relationship banking background
Proven ability to self-source business
Comfortable with C&I, CRE, and owner-occupied
Can manage a $20-$40MM portfolio
Strong credit sense.
In addition:
  1. Provides general credit union information on all credit union services and policies, interest rates, terms of loans, dividends and interest computations, and insurance coverage with an emphasis on Business Lending.
  2. Ensure that the Member Business Lending and Business Lending participation policies and procedures best serve the Credit Union and its business members.
  3. Meets with business members to determine creditworthiness.
  4. Assesses credit risks and identifies mitigating factors.
  5. Provide knowledge and expertise on establishing and maintaining the member business loan policies and procedures.
  6. Assists in determining the proper products and structure for our business lending members.
  7. Recommend new business loan products and business deposit products on an ongoing basis.
  8. Assists senior credit analyst, credit analysts, and business operations in annual reviews for our business lending members, including assisting in obtaining proper financial documents.
  9. Identifies and mitigates any loan policy exceptions.
  10. Develop each employee to their highest potential by identifying their areas for improvement and appropriately coaching, training or correcting the employees' performance.
  11. Hold employees accountable for their performance, attitude and behavior.
  12. Meet with each employee monthly to review previous month's performance, set goals for upcoming month's performance and develop plans to improve employees' performance
  13. Works with the team regarding business loan structure and establishing loan covenants for our business members.
  14. Maintains a highly motivated, well-trained staff maintaining effective employee relations.
  15. Make recommendations for additional staff training needs with lending policies and procedures.
  16. Assists business lending team that approved and funded business loans are properly documented, liens perfected, and all paperwork properly completed.
  17. Recommend loan alternatives for business members, as necessary.
  18. Remains current with compliance regulations, economic conditions and state and federal laws as they related to Member Business Lending.
  19. Assist in closings to ensure that all documents are executed and returned to the business lending department.
  20. Ensures that all collateral documents are executed and then appropriately filed by the business lending department.
  21. Responsible for overseeing each business relationship with regard to monitoring the relationship, staying in contact with the business owners, reviewing updated information and keeping the business lending department appraised as changes occur.
  22. Assist in the on-going refinement of business lending procedures provided to our members.
  23. Assist in the development of new loan programs and loan products that include member business lending guidelines/rules and compliance.
  24. Oversee the call process and include the business analyst/business operations manager or Vice President of Lending when necessary.
  25. Responsible for collection efforts for all loans originated by Business Lending Officer.
  26. Work with minimal direct supervision and utilize independent judgement and decision making.
  27. Performs such duties as may be commensurate with the position of Vice President - Business Lending Officer, which may include special projects, as directed by the EVP/CLO.

REQUIRED WORK EXPERIENCE
Three years to five years of similar or related experience.
EDUCATION
(1) A bachelor's degree, or (2) achievement of formal certifications recognized in the industry as equivalent to a bachelor's degree (e.g., information technology certifications in lieu of a degree).

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