Consumer Loan Officer jobs in Oceanside, CA

Consumer Loan Officer develops and services consumer loans. Interviews loan applicants to determine financing needs and to offer the appropriate loan products and repayment arrangements. Being a Consumer Loan Officer evaluates loan applications and applicant creditworthiness. Once a loan is approved and negotiated, monitors loan payments, and provides customer service to ensure the borrower's questions are answered and needs are met, and that the loan is repaid appropriately. Additionally, Consumer Loan Officer maintains accurate and thorough records, and follows all applicable organizational, state, and federal policies and regulations. Requires a high school diploma. Typically reports to a manager or head of a unit/department. The Consumer Loan Officer works under moderate supervision. Gaining or has attained full proficiency in a specific area of discipline. To be a Consumer Loan Officer typically requires 1-3 years of related experience. (Copyright 2024 Salary.com)

A
Senior Consumer Loan Underwriter
  • Axos Bank
  • HQ, CA FULL_TIME
  • Job Summary and Opportunity

    Axos Credit Operations & Analytics division is focused on evaluating, designing, delivering, and managing effective and scalable business operations that support the Credit department. This is accomplished by collaborating on cross-functional initiatives and process improvements, sustaining a strong human capital framework, maintaining accurate credit policies and procedures, ensuring audit preparedness and effective controls framework, and providing meaningful credit data and analytics.

    Responsibilities

    • Review loan applications of varying complexity, value, and risk
    • Work with loan processors and customers to gather and verify additional application, financial, and background information on applicants applying for loans
    • Analyze paystubs, bank statements, individual tax returns and schedules, and infrequent business & commercial financial statements
    • Review credit reports and verify outstanding individual debts to be considered during the underwriting process
    • Calculate key ratios including debt, payment-to-income, loan-to-income ratios, prepare financial spreads, and calculate secured and unsecured debt levels
    • Approve or deny loan applications
    • Verify the accuracy of loan amounts and repayment terms on approved loan applications
    • Explain reasons for denial and explain available options for applicants
    • Ensure that sound analysis and lending procedures are followed in compliance with the Lending policy and all Regulations
    • Assist in the operational development and workflow efficiency through creation and/or revision of established policies and procedures
    • Review and analyze automated decision rules in the loan origination system for accuracy and compliance. Make suggestions for improvements as needed
    • Answer questions regarding loan products
    • Assist in lending team training
    • Resolve applicant complaints in a professional manner

    Requirements

    • Bachelor's degree
    • 3 years' of consumer loan processing and underwriting experience in products such as unsecured installment loans or credit cards

    Axos Employee Benefits Include

    • Compensation for this position includes a Semi-Annual Bonus Plan
    • 3 weeks’ Vacation, Sick leave, and Holidays (about 11 a year); Medical, Dental, Vision, Life insurance and more
    • HSA or FSA account and other voluntary benefits
    • 401(k) Retirement Saving Plan with Employer Match Program and 529 Savings Plan
    • Employee Mortgage Loan Program and free access to Self-Directed Trading

    APPLY DIRECTLY FOR CONSIDERATION

    Born digital, Axos Bank has reinvented the banking model and grown to over $18.7 billion in assets since our founding in 2000. With a broad and ever-growing range of financial products, Axos Bank is rated among the top 5 digital banks in the country! Axos Financial is our holding company and publicly traded on the New York Stock Exchange under the symbol "AX" (NYSE: AX).

    We bring together human insight and digital expertise to anticipate the needs of our customers. Our team members are innovative, technologically sophisticated, and motivated to achieve.

    Learn more about working here!

    Pre-Employment Drug Test:

    All offers are contingent upon the candidate successfully passing a credit check, criminal background check, and pre-employment drug screening, which includes screening for marijuana.  Axos Bank is a federally regulated banking institution.  At the federal level, marijuana is an illegal schedule 1 drug; therefore, we will not employ any person who tests positive for marijuana, regardless of state legalization.

    Equal Employment Opportunity:

    Axos Bank is an Equal Opportunity employer. We are committed to providing equal employment opportunities to all employees and applicants without regard to race, religious creed, color, sex (including pregnancy, breast feeding and related medical conditions), gender, gender identity, gender expression, sexual orientation, national origin, ancestry, citizenship status, military and veteran status, marital status, age, protected medical condition, genetic information, physical disability, mental disability, or any other protected status in accordance with all applicable federal, state and local laws.

    Job Functions and Work Environment:

    While performing the duties of this position, the employee is required to sit for extended periods of time. Manual dexterity and coordination are required while operating standard office equipment such as computer keyboard and mouse, calculator, telephone, copiers, etc. The work environment characteristics described here are representative of those an employee may encounter while performing the essential functions of this position. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions of this position.

     

    #LI-Onsite #AxosBank

  • 19 Days Ago

F
Consumer Loan Processor (Onsite)
  • Frontwave Credit Union
  • Oceanside, CA FULL_TIME
  • Overview The Consumer loan processor is responsible for the processing of all Consumer Loan product applications in compliance with applicable rules, regulations, laws and guidelines. Provide members ...
  • 21 Days Ago

O
Consumer loan specialist
  • OneMain Financial
  • El Cajon, CA FULL_TIME
  • PUT YOUR CAREER IN MOTION AS A CONSUMER LOAN SALES SPECIALIST At OneMain, Consumer Loan Sales Specialists empower customers listening to their needs and providing access to friendly, fast, and afforda...
  • 25 Days Ago

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Consumer Loan Sales Specialist
  • Dev
  • Chula Vista, CA FULL_TIME
  • Company DescriptionJobs for Humanity is partnering with OneMain Financial to build an inclusive and just employment ecosystem. Therefore, we prioritize individuals coming from the following communitie...
  • 15 Days Ago

F
Consumer Loan Processor
  • Frontwave Credit Union
  • Oceanside, CA FULL_TIME
  • Overview The Consumer loan processor is responsible for the processing of all Consumer Loan product applications in compliance with applicable rules, regulations, laws and guidelines. Provide members ...
  • Just Posted

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Loan Officer
  • RAM REALTY AND MORTGAGE INC.
  • San Diego, CA CONTRACTOR,FULL_TIME
  • Hello Loan Officer, MAY I HAVE YOUR ATTENTION PLEASE!!! Let’s Check if Ram Realty and Mortgage is a right fit for you! Let us know what is stopping you from joining us. Are you losing more on your har...
  • Just Posted

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0 Consumer Loan Officer jobs found in Oceanside, CA area

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Personal Banker South OC
  • WELLS FARGO BANK
  • San Clemente, CA
  • Why Wells Fargo: Are you ready for the next step in your career? This is where it begins - at a company known for our "W...
  • 3/27/2024 12:00:00 AM

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Personal Banker South OC
  • WELLS FARGO BANK
  • San Juan Capistrano, CA
  • Why Wells Fargo: Are you ready for the next step in your career? This is where it begins - at a company known for our "W...
  • 3/27/2024 12:00:00 AM

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Personal Banker South OC
  • WELLS FARGO BANK
  • Laguna Niguel, CA
  • Why Wells Fargo: Are you ready for the next step in your career? This is where it begins - at a company known for our "W...
  • 3/27/2024 12:00:00 AM

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Personal Banker South OC
  • WELLS FARGO BANK
  • Ladera Ranch, CA
  • Why Wells Fargo: Are you ready for the next step in your career? This is where it begins - at a company known for our "W...
  • 3/27/2024 12:00:00 AM

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Personal Banker - Roving South Orange County District
  • WELLS FARGO BANK
  • San Clemente, CA
  • Why Wells Fargo: Are you ready for the next step in your career? This is where it begins - at a company known for our "W...
  • 3/26/2024 12:00:00 AM

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Personal Banker - Roving South Orange County District
  • WELLS FARGO BANK
  • Laguna Niguel, CA
  • Why Wells Fargo: Are you ready for the next step in your career? This is where it begins - at a company known for our "W...
  • 3/26/2024 12:00:00 AM

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Personal Banker - Roving South Orange County District
  • WELLS FARGO BANK
  • San Juan Capistrano, CA
  • Why Wells Fargo: Are you ready for the next step in your career? This is where it begins - at a company known for our "W...
  • 3/25/2024 12:00:00 AM

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Personal Banker - Roving South Orange County District
  • WELLS FARGO BANK
  • Ladera Ranch, CA
  • Why Wells Fargo: Are you ready for the next step in your career? This is where it begins - at a company known for our "W...
  • 3/25/2024 12:00:00 AM

Oceanside is a coastal city located on California's South Coast. It is the third-largest city in San Diego County, California. The city had a population of 167,086 at the 2010 census. Together with Carlsbad and Vista, it forms a tri-city area. Oceanside is located just south of Marine Corps Base Camp Pendleton. Oceanside is at 33°12′42″N 117°19′33″W / 33.21167°N 117.32583°W / 33.21167; -117.32583 (33.211566, -117.325701). According to the United States Census Bureau, the city has a total area of 42.2 square miles (109 km2), of which 41.2 square miles (107 km2) is land and 0.9 square miles ...
Source: Wikipedia (as of 04/11/2019). Read more from Wikipedia
Income Estimation for Consumer Loan Officer jobs
$52,055 to $66,777
Oceanside, California area prices
were up 2.6% from a year ago

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December 02, 2019
Consumer Loan Officer in Portsmouth, OH
Jennie has been working for CCU for over 8 years and has over 10 years of loan experience.
February 17, 2020
Consumer Loan Officer in Chicago, IL
Consumers take out loans for many reasons, such as buying a car or paying college tuition.
January 06, 2020