Consumer Lending Operations - Senior Consumer Loan Officer

Mission Fed Credit Union•San Diego, CA

3d•Onsite

About The Position

As a Senior Consumer Loan Officer, you'll evaluate consumer loan applications, make sound lending decisions, mentor teammates, and serve as a trusted lending resource across the organization. If you thrive in a fast-paced environment, enjoy analyzing complex lending scenarios, and want to make a meaningful impact on both members and business outcomes, we'd love to hear from you. Why Mission Fed? 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

A minimum of 5 years of consumer lending and underwriting experience
At least 3 years of customer service experience
Strong understanding of consumer credit analysis, income evaluation, and repayment assessment
Excellent analytical, decision-making, and problem-solving skills
Exceptional verbal and written communication abilities
Strong relationship-building and collaboration skills
The ability to manage multiple priorities while maintaining service-level commitments
A high degree of professionalism, integrity, and confidentiality

Nice To Haves

Credit union experience
Call center experience
Exposure to real estate lending and/or collections

Responsibilities

Reviewing and underwriting consumer loan applications across a variety of products, including auto loans, credit cards, and personal loans.
Analyzing member credit profiles, income sources, repayment ability, and overall creditworthiness.
Making informed lending decisions while adhering to established policies, procedures, and lending guidelines.
Identifying alternative lending solutions that meet member needs while balancing risk.
Providing second-level loan reviews and guidance to other loan officers.
Serving as a lending subject matter expert for branches and internal departments.
Handling escalated lending and member situations with professionalism and sound judgment.
Coaching and mentoring team members while helping identify training opportunities and workflow improvements.
Assisting with audits, reporting, projects, system testing, and process enhancements.
Staying current on regulatory requirements and ensuring compliance with all applicable lending and security standards.