Consumer Lending Operations - Senior Consumer Loan Officer

Senior Consumer Loan Officer

On-Site | San Diego, CA

Compensation: $34.00 - $41.00 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 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.

 

 

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

• 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.

 

What You'll Bring

• 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

Preferred Qualifications

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

 

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.

 

 

Your privacy is very important to Mission Federal Credit Union. The California Consumer Privacy Act (“CCPA”)/ California Privacy Rights Act (CPRA) requires Mission Federal Credit Union to inform California residents, including job applicants, of the categories of personal information we collect and the purpose for which the personal information will be used. This job applicant notice and the CCPA/CPRA notice provides the disclosures required by the CCPA/CPRA and applies only to applicants who are subject to the CCPA/CPRA.   

Mission Federal Credit Union is an Equal Opportunity Employer. All applicants will receive consideration without regard to race, sex, color, creed, religion, age, marital status, sexual orientation, national origin, physical or mental disability, veteran status, or any other class protected by law. INDMF #LI-Onsite