Consumer Lending Operations - Consumer Loan Officer

Consumer Loan Officer

On-Site | San Diego, CA

Compensation: $29.00 - $36.00 per hour

Actual compensation within this range will be determined by factors including experience, qualifications, skills, internal equity, and other job-related considerations permitted by law.

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.

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.

What We Offer

• 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

What You'll Do

• 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.

What You'll Bring

Required Qualifications

• 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.

Preferred Qualifications

• Credit union experience.
• Call center experience.
• Familiarity with Symitar or similar core banking platforms.

Build a Career with Purpose

At Mission Federal Credit Union, we believe in people helping people and that starts with our Team Members. For more than 60 years, Mission Fed has proudly served San Diego, helping individuals, families, and businesses achieve financial well-being. We're committed to creating a workplace where people feel valued, supported, and empowered to make a meaningful impact.

If you're looking for an opportunity to grow your career, make a meaningful difference, and contribute to an organization that values its people and its purpose, we'd love to hear from you.

Apply today and help us create brighter financial futures for our members, our communities, and one another.