Senior Loan Officer

Are you an experienced lending professional looking for a stable, member-focused environment where you can manage the full lending picture rather than just one piece of an assembly line?

At Madison Credit Union
, we proudly serve City of Madison employees, Dane County residents, and our local community. We are seeking an experienced Senior Loan Officer (Internal

Title:

Loan Officer II) to join our lending team. In this high-impact role, you will handle consumer loan origination, contribute to mortgage loan decisions, and provide direct guidance to our members .

• Interview applicants, analyze credit reports, evaluate debt-to-income ratios, and make independent consumer credit decisions .
• Serve on the Mortgage Loan Approval Committee and coordinate mortgage processing from approval to post-closing .
• Process, complete, and close loan documentation across in-person, phone, and digital channels .

• Provide empathetic debt counseling and constructive feedback when loans are denied, helping members map out future financial pathways .
• Cross-sell relevant financial products and services to deepen member relationships.

• Serve as a mentor to less senior loan officers and assist with onboarding new team members.
• Audit consumer loan files to ensure policy compliance and manage post-closing tasks like HELOC tracking and tax verifications .

• 2–5 years of direct consumer lending experience (with actual credit decisioning/underwriting authority).
• Strong knowledge of credit analysis, debt-ratio calculations, and lending compliance.
• Hands-on experience with electronic signature and document platforms.
• Strong interpersonal skills with a knack for building rapport—especially when delivering difficult news.
• High school diploma or equivalent.

• Mortgage lending, processing, or committee experience.
• Conversational and written Spanish fluency.
• Proficiency with Excel formulas/functions and basic accounting principles.
• Notary Public commission (or willingness to become bonded).
• Degree in Finance, Business, or a related field.

• Predictable Schedule & Work-Life Balance: Hourly pay ($25.00–$28.25/hr) with predictable hours —no relying on volatile commission checks.
• Community First: We answer to our members, not distant shareholders.
• Full Benefits Package: 401(k) with match, comprehensive health/dental coverage, generous PTO, tuition reimbursement, and life insurance available.