Consumer Loan Officer

Digital Federal Credit Union

Consumer Lending Loan Officer analyzing loan applications for a credit union. Responsible for managing loan decisions and maintaining compliance with lending laws and guidelines.

Posted 7/7/2026full-timeMarlborough • Massachusetts • 🇺🇸 United StatesJuniorMid-LevelWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in consumer loan underwriting and analysis, ensuring compliance with applicable laws and guidelines while providing exceptional customer service. Proficient in interpreting financial statements and credit reports to make informed lending decisions.

Highest-signal resume keywords

Consumer Loan UnderwritingCredit AnalysisCompliance KnowledgeCustomer ServiceSales Goal Achievement

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Loan Application AnalysisCreditworthiness AssessmentFinancial Statement InterpretationCredit Bureau Report AnalysisLending PracticesLoan Underwriting GuidelinesPolicy DevelopmentRegulatory ComplianceDecision DocumentationCross-Selling

Soft Skills

Professional CommunicationTactfulnessTeam CollaborationProblem SolvingAttention to Detail

Tools & Technologies

Consumer Loan Origination Systems

Industry Keywords

Equal Credit Opportunity ActRegulation ZFair LendingConsumer LendingCredit Union Standards

About the role

Key responsibilities & impact

Analyzing, underwriting, and decisions all consumer loan applications consistent with credit union, department, and regulatory standards.
Maintain a complete knowledge of all DCU products and services with a focus on Direct and Indirect consumer loan programs, policies, and guidelines.
Maintain knowledge of compliance laws applicable to consumer loan originations, including but not limited to: Equal Credit Opportunity Act (ECOA), Regulation Z (Truth in Lending), Fair Lending, and other state and federal laws which may be applicable.
Analyze the creditworthiness of the members with the aid of the Consumer Loan Origination (LOS) systems and by applying sound lending practices and procedures in accordance with the Credit Union's Loan Underwriting Guidelines.
Approve, deny and counteroffer loan applications based on policies and guidelines, and document decisions.
Provide thorough and accurate application recommendations to the Team Leader or Management when an application falls outside guidelines and/or authorized loan limits.
Inform members, dealer partners, and branch staff of consumer loan decisions with tact and professionalism and within established time frames.
Assist with the development and maintenance of department policy and procedure documents.
Achieve monthly sales goal referrals as assigned by Team Leaders and Management, including cross selling additional products and services.
Perform other job-related duties as assigned by Managers(s).

Requirements

What you’ll need

High School Diploma or equivalent
Two to four years previous consumer lending experience
Previous customer service experience
Previous experience working in a Call Center environment preferred
Ability to interpret financial statements
Ability to read, understand, and analyze credit bureau reports and scores

Benefits

Comp & perks

Excellent work-life balance
Paid time off