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Credit Officer (Non-real estate lending)

Credit Officer (Non-real estate lending)

Job ID 
Job Locations 
US-CA-San Diego
Job Type 
Regular Full-Time
Auto Lending

More information about this job


BofI Federal Bank (NASDAQ: BOFI), a top-rated federally chartered thrift is entering the indirect and direct automobile loan marketplace with a time-proven retail contract product designed for a unique set of prime quality customers of franchised automobile dealerships.


We are seeking an experienced Credit Officer (non-real estate lending) to review vehicle loan application information submitted from an approved auto dealership, included but not limited to analysis of a loan application, credit report(s), deal structure, income, employment and asset information while endeavoring to identify the potential for fraud prior to approving an auto loan application.


The Credit Officer (non-real estate lending) will exercise discretionary judgement based on experience and applicable guidelines to approve or recommend approval to a higher level of management in a timely manner.  Clearly note the credit decision for the dealer and the funding team, and all credit officer loan approval stipulations, ensuring satisfactory documentation supporting the underwriting decision will be is presented by an auto loan dealer for the funding department to adequately review and fund quality loans.


This Credit Officer (non-real estate lending) will have the opportunity to work a shift from 12-9pm and could be assigned any days within a 7 day week.  

Key Skill Sets or Knowledge Requirements:

  • Attention to Detail in a timely manner
  • Optimal Organizational Skills, including Multi-tasking Skills
  • Excellent Verbal Communication Skills
  • Excellent Writing Skills (English)

Desired Career Experience & Education Requirements:

  • ​Post high school education and/or enhanced industry experience; a degree is preferred
  • ​Two years or more in financial services. 



  • Bachelors degree
  • A background in loan credit decisioning or more specifically auto loan credit decisioning
  • Bi-lingual (Spanish) is a plus


Job Functions & 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.


Equal Employment Opportunity:


BofI Federal Bank is an equal opportunity employer committed to creating a diverse workforce. We consider all qualified applicants without regard to race, religion, color, sex , gender identity and expression, sexual orientation, national origin, ancestry, citizenship status, uniform service member and veteran status, marital status, pregnancy, age, protected medical condition, genetic information, disability, or any other protected status in accordance with all applicable federal, state and local laws. Candidates must possess authorization to work in the United States.