Consumer Loan Officer

VP of Lending & Collections | Texas McCombs MBA Candidate | Class of 2026 Why Join the THCU Team?

At THCU, we are more than just a financial institution; we are a dedicated partner in our members' financial journeys. When you join our team as a Consumer Loan Officer, you will experience:

• A Member-First Mission: Focus on providing transparent, solutions-focused lending to support the financial well‑being of our community.
• Consultative Lending: Prioritize people over “sales” by recommending protection products like GAP or MBP only when they provide genuine value to the member.
• Collaborative Environment: Work in a supportive atmosphere alongside underwriting and operations to deliver a seamless member experience.
• Professional Stability: Enjoy a consistent 40‑hour work week with a predictable Monday–Friday schedule at our Austin office.

This is a full‑time, in‑office position at our Austin branch. The role typically averages 40 hours per week. Core department hours are Monday through Friday between 8:00 a.m. and 5:00 p.m. Individual schedules are set by management within those hours.

The Consumer Loan Officer supports THCU members by providing knowledgeable, transparent, and solutions‑focused lending assistance. This position is responsible for originating quality consumer loans, guiding members through each step of the process, and ensuring every interaction reflects THCU’s commitment to service, accuracy, and financial well‑being.

The Consumer Loan Officer collects and verifies application information, prepares loan applications for underwriting, communicates decisions to members, and coordinates required documents through funding. The role also performs title and lien work for vehicle loans, works with members and dealers to resolve title issues, and supports the processing of home equity loans in accordance with Texas regulations and THCU procedures.

The Consumer Loan Officer recommends appropriate loan solutions and protection products such as Guaranteed Asset Protection (GAP), Mechanical Breakdown Protection (MBP), and Credit Life/Disability when they provide meaningful value to members and are suitable for their financial situation. The position contributes to overall lending and branch goals through responsible production, proactive follow‑up, and strong collaboration with underwriting, branch operations, and member service teams—always ensuring alignment with credit policy, disclosure requirements, and regulatory standards.

• Receive and process consumer loan applications in a prompt, accurate, and courteous manner in accordance with THCU policies and regulatory requirements.
• Communicate with members throughout the application process, providing status updates, requesting documentation, explaining decisions, and setting clear expectations for next steps.
• Recommend appropriate lending solutions and ancillary protection products such as GAP, MBP, and Credit Life/Disability, ensuring all disclosures are clear, accurate, and compliant.
• Recognize opportunities to deepen member relationships by identifying relevant THCU products and services—including refinancing opportunities, credit cards, home equities, and protection products—and making appropriate referrals in a consultative, non‑pressured manner.
• Support THCU lending campaigns and targeted promotions by identifying eligible members, explaining benefits, and conducting timely outreach consistent with program guidelines.
• Conduct proactive outreach through phone calls, email, and in‑branch conversations, ensuring compliance with member communication preferences, consent requirements, and documentation standards.
• Maintain service standards for response times, follow‑up, and first‑touch resolution.

• Collect and verify required documentation including identification, income verification, insurance, and collateral information.
• Prepare loan applications for underwriting review and work closely with underwriting to resolve conditions or questions.
• Coordinate funding activities, including obtaining signatures, ensuring proper disclosures,…