Consumer Lending Operations - Senior Consumer Loan Officer

Mission Fed • San Diego, CA

5d • Onsite

About The Position

We are looking for a Senior Consumer Loan Officer who thrives on analyzing complex loan scenarios, making sound credit decisions, and supporting both members and internal teams with precision. This role involves underwriting and evaluating consumer loan applications across auto, personal, and credit card products, analyzing credit reports, income, and ability to repay while identifying risks and opportunities. The Senior Consumer Loan Officer will also provide guidance and second-level review support to branches and internal teams, make lending decisions within authority, including exceptions with clear rationale, and support loan production goals while ensuring compliance with policies and regulations.

Requirements

• High School Diploma, G.E.D., or equivalent required
• Minimum of 5 years of consumer lending and underwriting experience
• Strong knowledge of credit analysis, lending practices, and financial regulations

Nice To Haves

• Credit union experience preferred
• Strong analytical thinking and sound decision-making skills
• Excellent verbal and written communication
• Ability to interpret complex financial and credit data
• High level of integrity and professionalism
• Strong time management and ability to prioritize in a fast-paced environment

Responsibilities

• Underwrite and evaluate consumer loan applications across auto, personal, and credit card products
• Analyze credit reports, income, and ability to repay while identifying risks and opportunities
• Provide guidance and second-level review support to branches and internal teams
• Make lending decisions within authority, including exceptions with clear rationale
• Support loan production goals while ensuring compliance with policies and regulations

Benefits

• 18 days of PTO in your first year
• 12 holidays a year
• Full 6% 401(k) match
• Complete benefits package including medical, dental, vision, life insurance, etc.
• On-site gym

What This Job Offers

• Job Type: Full-time
• Career Level: Senior
• Education Level: High school or GED