Consumer Lending Operations - Consumer Loan Officer
About The Position
As a Consumer Loan Officer, you'll play a critical role in evaluating and underwriting consumer loan applications across a variety of products, including auto loans, personal loans, and credit cards. You'll partner with branches and internal departments, serve as a lending subject matter expert, and help ensure every lending decision supports both our members and our business objectives. Our culture is guided by six core values: Integrity • Service • Commitment • Teamwork • Trust • Communication. When you join Mission Fed, you’ll become part of an award-winning organization that invests in its people, supports professional growth, and remains deeply connected to the communities we serve.
Requirements
- High School Diploma, GED, or equivalent.
- Minimum of 5 years of consumer lending experience.
- At least 2 years of consumer loan underwriting experience.
- At least 3 years of customer service experience.
- Strong knowledge of consumer lending products and credit analysis.
Nice To Haves
- Credit union experience.
- Call center experience.
- Familiarity with Symitar or similar core banking platforms.
Responsibilities
- Review and underwrite consumer loan applications that require manual decisioning.
- Analyze member credit profiles, income sources, debt-to-income ratios, and ability to repay.
- Make prudent lending decisions while adhering to established policies, procedures, and lending guidelines.
- Identify credit risks, interpret credit reports, and investigate potential red flags.
- Provide guidance and underwriting support to branches and departments.
- Respond to lending-related inquiries via phone and email while delivering exceptional internal and external member service.
- Stay current on lending policies, procedures, and regulatory requirements.
- Assist with rate exceptions, loan recasts, reporting activities, and other assigned lending functions.
- Identify opportunities to offer additional loan products that may benefit members.
- Participate in loan quality reviews and contribute recommendations for workflow improvements and training opportunities.
Benefits
- Competitive compensation
- 18 days of PTO during your first year
- 12 paid holidays annually
- Full 6% 401(k) match
- Comprehensive medical, dental, and vision coverage
- Life insurance and additional voluntary benefits
- Employee wellness resources, including an on-site gym
- Career development opportunities
- An award-winning workplace culture
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What This Job Offers
Job Type
Full-time
Career Level
Mid Level
Education Level
High school or GED
