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Consumer Lending Officer II Salary in the United States

How much does a Consumer Lending Officer II make in the United States?

As of September 01, 2026, the average salary for a Consumer Lending Officer II in the United States is $56,300 per year, which breaks down to an hourly rate of $27.

However, a Consumer Lending Officer II's salary can vary significantly. Here’s a look at the typical salary range:

  • Top Earners (90th percentile): $74,640
  • Majority Range (25th-75th percentile): $52,400 to $65,900
  • Entry-Level (10th percentile): $48,849
Salary Factors Salary-Boosting Skills Salary by Experience Related Job Salaries Top Paying Cities Explore Related Jobs

Key Factors That Influence Consumer Lending Officer II Salaries

A Consumer Lending Officer II's salary isn't a fixed number. It's shaped by several important factors. Below, we'll explore how your years of experience, geographic location, education and company size can directly affect your earning potential.

How Experience Level Affects Consumer Lending Officer Salaries?

Experience is a primary driver of a Consumer Lending Officer II's salary. As you build your skills and take on more complex tasks, your compensation generally increases. Here's how the average salary grows at different career stages:

  • Consumer Lending Officer I (0-2 years): $50,479
  • Consumer Lending Officer II (2-4 years): $56,286
  • Consumer Lending Officer III (4-7 years): $66,096
  • Consumer Loan Manager (7+ years): $96,678
  • Regional Consumer Lending Senior Manager (7+ years): $119,265
Job Role Years of Experience Average Salary
Consumer Lending Officer I0-2 years$50,479
Consumer Lending Officer II2-4 years$56,286
Consumer Lending Officer III4-7 years$66,096
Consumer Loan Manager7+ years$96,678
Regional Consumer Lending Senior Manager7+ years$119,265
View as Graph

How Do Consumer Lending Officer II Salaries Vary from State to State?

Your salary can change significantly depending on where you work. States with a higher cost of living and strong industrial sectors often pay more to attract Consumer Lending Officer IIs. For example, consider the average annual salaries in these key locations:
  • District of Columbia: $62,400.
  • California: $62,100.
  • Massachusetts: $61,300.

Top Paying Cities for Consumer Lending Officer IIs

Salaries can also vary between different cities. Major metropolitan areas or cities with a high demand for technicians often offer more competitive pay. Here are a few examples of average annual salaries in different U.S. cities:

  • San Jose: $71,000
  • San Francisco: $70,300
  • Oakland: $68,800

What Skills Can Increase a Consumer Lending Officer II's Salary?

Demanded Skills for the Role:

  • Customer Service (Mentioned in 17.57% Job Postings): Customer service is the provision of service to customers before, during and after a purchase. The perception of success of such interactions is dependent on employees "who can adjust themselves to the personality of the guest". Customer service concerns the priority an organization assigns to customer service relative to components such as product innovation and pricing. In this sense, an organization that values good customer service may spend more money in training employees than the average organization or may proactively interview customers for feedback. From the point of view of an overall sales process engineering effort, customer service plays an important role in an organization's ability to generate income and revenue. From that perspective, customer service should be included as part of an overall approach to systematic improvement. One good customer service experience can change the entire perception a customer holds towards the organization.
  • Sales Management (Mentioned in 6.25% Job Postings): Sales management is a business discipline which is focused on the practical application of sales techniques and the management of a firm's sales operations. It is an important business function as net sales through the sale of products and services and resulting profit drive most commercial business. These are also typically the goals and performance indicators of sales management. Sales manager is the typical title of someone whose role is sales management. The role typically involves talent development .
  • Succession Planning (Mentioned in 0.57% Job Postings): Succession planning is a process for identifying and developing new leaders who can replace old leaders when they leave, retire or die. Succession planning increases the availability of experienced and capable employees that are prepared to assume these roles as they become available. Taken narrowly, "replacement planning" for key roles is the heart of succession planning. In dictatorships, succession planning aims for continuity of leadership, preventing a chaotic power struggle by preventing a power vacuum. In monarchies, succession is usually settled by the order of succession. In business, succession planning entails developing internal people with the potential to fill key business leadership positions in the company.Effective succession or talent-pool management concerns itself with building a series of feeder groups up and down the entire leadership pipeline or progression. In contrast, replacement planning is focused narrowly on identifying specific back-up candidates for given senior management positions. Thought should be given to the retention of key employees, and the consequences that the departure of key employees may have on the business.
Skills Demand Percentage
Customer Service 17.57%
Sales Management 6.25%
Succession Planning 0.57%
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What skills can make your compensation higher?

Mastering certain specialized skills can lead to a significant increase in pay. Here are examples of skills and the potential impact they can have on a Consumer Lending Officer II's salary.

  • Sales Management: Can increase your salary by up to 28%.
  • Customer Sales: Can increase your salary by up to 26%.
  • Team Operations: Can increase your salary by up to 22%.
Skill Salary Salary % Increase
Sales Management $72,064
28%
Customer Sales $70,938
26%
Team Operations $68,686
22%
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Consumer Lending Officer II Salary by Company Size: Startups vs. Enterprise

Consumer Lending Officer II salary potential scales significantly with company size. Data shows that Enterprise companies (5,000+ employees) pay the highest average salary at around $60,652. While startup companies pay approximate $51,375.

Consumer Lending Officer II Salary by Company Size

Company Size Employees Average Salary
Startup 1~50 $51,375
Growth Stage 51~500 $54,330
Established 501~5000 $58,578
Enterprise 5000+ $60,652

Consumer Lending Officer II Salary by Industry: Top Paying Sectors

For Consumer Lending Officer II roles, the industry you choose can affect earning potential by as much as 70% (the gap between the highest and lowest paying industries). Data shows that the Financial Services and Edu., Gov't. & Nonprofit sectors offer the strongest compensation, at 40% above the average. In contrast, Consumer Lending Officer positions in Insurance or Business Services typically offer lower base pay, as these industries often view Consumer Lending Officer II as a support function rather than a direct revenue driver.

The top paying industries for a Consumer Lending Officer II

Industry Sector Average Annual Salary Average Hourly Rate Pay vs.Avg
Financial Services$78,820$38.040%
Edu., Gov't. & Nonprofit$61,930$30.010%

How Education impacts a Consumer Lending Officer II's Salary?

Your level of education can impact your salary potential. While many Consumer Lending Officer IIs enter the field with a High School Diploma or Technical Certificate degree, higher education can lead to more specialized and higher-paying roles.

According to our 100% employer-reported salary data, the median salary for a Consumer Lending Officer II with a High School Diploma or Technical Certificate is between $49,346 and $53,130).

Consumer Lending Officer II Salaries by Degree Level

Typical Education for Consumer Lending Officer II
Degree Level % of user with this level of education
No Diploma 1.5%
High School 26.3%
Associates 11.2%
Bachelors 54.1%
Masters 6.3%
Doctorate 0.5%
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Consumer Lending Officer II Salary: Hourly Rate, Weekly Pay, and Monthly Pay

Understanding how a Consumer Lending Officer II's annual salary breaks down can help with budgeting. Below, you can see the average hourly rate, weekly pay, and monthly pay for this role. Use the buttons to switch between different pay periods.

Last Updated on September 01, 2026
$52,400
Average $56,300/year
$65,900
$4,367
Average $4,692/month
$5,492
$1,008
Average $1,083/week
$1,267
$25
Average $27/hour
$32
Annual Salary Monthly Pay Weekly Pay Hourly Wage
75th Percentile $65,900 $5,492 $1,267 $32
Average $56,300 $4,692 $1,083 $27
25th Percentile $52,400 $4,367 $1,008 $25

Consumer Lending Officer II Salary Growth & Career Path

Consumer Lending Officer II

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Advancement

For a Consumer Lending Officer II, the most direct path to higher earnings is advancing to the Consumer Lending Officer III role. This promotion typically comes with a significant pay increase, bringing the average annual salary to $66,100 - a projected growth of 17% over your current level.

Most common benefits for Consumer Lending Officer II

  • Social Security
  • 401 (k)
  • Disability
  • Healthcare
  • Pension
  • Time Off (days)

Common company salaries for Consumer Lending Officer II

Here are companies hiring for Consumer Lending Officer II and their salaries, click below for more details.

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FAQ about Consumer Lending Officer II

1. What industry pays the highest salary for Consumer Lending Officer II?

The Financial Services industry offers the highest average compensation for Consumer Lending Officer II roles, with salaries approximately 40% above the market median.

2. How do I become a Loan Officer in USA?

To become a Loan Officer in the USA, you need to obtain a Mortgage Loan Originator (MLO) license from your state and register with the National Mortgage Licensing Service (NMLS). This process typically involves completing coursework, passing an exam, and undergoing a background and credit check. Salaries for Consumer Lending Officers range from $49,400 to $60,100, with a median of $55,100.

3. Which bank pays highest salary in USA?

The salary for a Consumer Lending Officer typically ranges from $49,400 to $60,100, with a mid-salary of $55,100. While Goldman Sachs is known for high salaries in the banking sector, specific figures for Consumer Lending Officers may vary significantly across different institutions.

4. How many loan officers are there in the USA?

The number of loan officers in the USA is estimated at 308,370. While the mean annual wage for this occupation is $76,200, the salary range for a Consumer Lending Officer typically falls between $49,400 and $60,100, with a midpoint salary of $55,100.

5. What is the life of a loan officer?

The life of a loan officer involves engaging with applicants to discuss loan terms and identifying suitable products. They verify essential information like income and credit scores, ensuring compliance with state and federal regulations. Salaries for Consumer Lending Officers range from $49,400 to $60,100, with a midpoint of $55,100, reflecting their expertise and responsibilities.

6. What is the salary of a loan officer in the US?

Loan Officers in the US have varying salaries based on experience and location. According to recent data, the minimum salary is $49,400, the median salary is $55,100, and the maximum salary reaches $60,100. This reflects a range of earnings within the profession, highlighting opportunities for growth and advancement.

7. How do I get into consumer lending?

To become a Consumer Lending Officer, you typically need a bachelor's degree in finance, economics, or a related field, along with experience in banking or lending. Many employers also require certification from the American Bankers Association or the Consumer Bankers Association. The salary for this role ranges from $49,400 to $60,100, with a midpoint of $55,100.

Where Does Our Salary Data Come From?

Salary.com provides salary estimates, histograms, trends, and comparisons using data from employer job postings and third-party sources.

We offer detailed salary information across multiple percentiles for your reference. (Click here to learn Why the Salary Midpoint Formula Is Crucial for Achieving Pay Equity.)

With the most extensive online, real-time compensation data available, Salary.com helps you pinpoint your exact pay target.

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