As of March 01, 2025, the average annual salary for a Lending Officer II in the United States is $75,798. Salary.com reports that pay typically ranges from $66,911 to $82,964, with most professionals earning between $58,819 and $89,490.
| Annual Salary |
Monthly Pay |
Weekly Pay |
Hourly Wage |
|
| 75th Percentile | $82,964 | $6,914 | $1,595 | $40 |
| Average | $75,798 | $6,316 | $1,458 | $36 |
| 25th Percentile | $66,911 | $5,576 | $1,287 | $32 |
An entry-level Lending Officer II with less than 1 year of experience earns about $71,940. With 1-2 years of experience, the average salary increases to $72,202. For 2-4 years of experience, the pay typically rises to $72,595. Senior-level professionals with 5-8 years of experience earn around $73,512, and those with over 8 years of experience can expect an average of $74,560.
| Levels | Salary |
|---|---|
| Entry Level Lending Officer II | $71,940 |
| Intermediate Level Lending Officer II | $72,202 |
| Senior Level Lending Officer II | $72,595 |
| Specialist Level Lending Officer II | $73,512 |
| Expert Level Lending Officer II | $74,560 |
| Entry Level | 5% |
| Mid Level | 5% |
| Senior Level | 4% |
| Top Level | 3% |
| Experienced | 2% |
Salaries in the United States differ widely between states due to factors like cost of living, local economies, and industry presence.
What Am I Worth?
Salaries in the United States can vary greatly between cities due to factors like cost of living, local economies, and industry presence.
As of March 01, 2025, our research reveals a significant shift in Lending Officer II compensation over the past six years. For example, the median salary increased from $72,243 in 2023 to approximately $71,396 in 2024. (For a detailed analysis of Lending Officer II salary trends, click here.)
Key factors like location, experience, industry demand, and economic growth significantly influence salary variations, making them important to consider.
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Here are companies hiring for Lending Officer II and their salaries, click below for more details.
| Core Compensation | ||||
| Core Compensation | Median | % of Total | ||
| Base Salary | $75,798 | 69.6% | ||
| Bonus | $2,761 | 2.5% | ||
| Value of Benefits | ||||
| Core Compensation | Median | % of Total | ||
| Social Security | $6,010 | 5.5% | ||
| 401K/403B | $3,692 | 3.4% | ||
| Disability | $628 | 0.6% | ||
| Healthcare | $6,056 | 5.6% | ||
| Pension | $4,321 | 4.0% | ||
| Time Off | $9,669 | 8.9% | ||
| Total Compensation | $108,935 | 100% | ||
| Degree Level | % of user with this level of education |
|---|---|
| High School | 4.5% |
| Associates | 4.5% |
| Bachelors | 68.2% |
| Masters | 22.7% |
What Am I Worth?
The average annual salary of Lending Officer II is $75,798. In case you are finding an easy salary calculator, the average hourly pay of Lending Officer II is $36; the average weekly pay of Lending Officer II is $1,458; the average monthly pay of Lending Officer II is $6,316.
A Lending Officer II's earning potential can vary widely depending on several factors, including location, industry, experience, education, and the specific employer. According to the latest salary data by Salary.com, a Lending Officer II earns the most in San Jose, CA, where the annual salary of a Lending Officer II is $95,126.
The highest pay for Lending Officer II is $89,490.
The lowest pay for Lending Officer II is $58,819.
Lending Officer II conducts lending activities for an assigned market or geographic area. Develops a pipeline of customers through referrals, inquiries, and outreach. Being a Lending Officer II performs a due diligence review of potential borrowers, including a risk and financial analysis. Structures loan proposals, prepares credit memos, and presents to loan committee for approval. Additionally, Lending Officer II may manage a portfolio of existing loans, including reviewing financial reporting, monitoring compliance with loan terms, and handling loan modifications or workouts. Ensures adherence to regulations, bank credit policies, and procedures. Typically requires a bachelor's degree. Typically reports to a manager. The Lending Officer II occasionally directed in several aspects of the work. Gaining exposure to some of the complex tasks within the job function. To be a Lending Officer II typically requires 2 -4 years of related experience.
Specify the abilities and skills that a person needs in order to carry out the specified job duties. Each competency has five to ten behavioral assertions that can be observed, each with a corresponding performance level (from one to five) that is required for a particular job.
Customer Service: 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.
Customer Satisfaction: Customer satisfaction (often abbreviated as CSAT, more correctly CSat) is a term frequently used in marketing. It is a measure of how products and services supplied by a company meet or surpass customer expectation. Customer satisfaction is defined as "the number of customers, or percentage of total customers, whose reported experience with a firm, its products, or its services (ratings) exceeds specified satisfaction goals." The Marketing Accountability Standards Board (MASB) endorses the definitions, purposes, and constructs of classes of measures that appear in Marketing Metrics as part of its ongoing Common Language in Marketing Project. In a survey of nearly 200 senior marketing managers, 71 percent responded that they found a customer satisfaction metric very useful in managing and monitoring their businesses. It is seen as a key performance indicator within business and is often part of a Balanced Scorecard. In a competitive marketplace where businesses compete for customers, customer satisfaction is seen as a key differentiator and increasingly has become a key element of business strategy.
Mortgage Products: Mortgage Products means residential real estate secured loan products as from time to time offered by Bank.
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