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Consumer loan officer vs senior underwriter

The differences between consumer loan officers and senior underwriters can be seen in a few details. Each job has different responsibilities and duties. Additionally, a consumer loan officer has an average salary of $84,607, which is higher than the $69,375 average annual salary of a senior underwriter.

The top three skills for a consumer loan officer include financial statements, financial services and outbound calls. The most important skills for a senior underwriter are customer service, portfolio, and underwriting guidelines.

Consumer loan officer vs senior underwriter overview

Consumer Loan OfficerSenior Underwriter
Yearly salary$84,607$69,375
Hourly rate$40.68$33.35
Growth rate4%-4%
Number of jobs68,1636,726
Job satisfaction--
Most common degreeBachelor's Degree, 66%Bachelor's Degree, 71%
Average age4544
Years of experience6-

Consumer loan officer vs senior underwriter salary

Consumer loan officers and senior underwriters have different pay scales, as shown below.

Consumer Loan OfficerSenior Underwriter
Average salary$84,607$69,375
Salary rangeBetween $61,000 And $116,000Between $44,000 And $108,000
Highest paying City-New York, NY
Highest paying state-New York
Best paying company-Capital Group
Best paying industry-Insurance

Differences between consumer loan officer and senior underwriter education

There are a few differences between a consumer loan officer and a senior underwriter in terms of educational background:

Consumer Loan OfficerSenior Underwriter
Most common degreeBachelor's Degree, 66%Bachelor's Degree, 71%
Most common majorBusinessBusiness
Most common collegeUniversity of PennsylvaniaUniversity of Pennsylvania

Consumer loan officer vs senior underwriter demographics

Here are the differences between consumer loan officers' and senior underwriters' demographics:

Consumer Loan OfficerSenior Underwriter
Average age4544
Gender ratioMale, 48.9% Female, 51.1%Male, 42.0% Female, 58.0%
Race ratioBlack or African American, 9.4% Unknown, 4.6% Hispanic or Latino, 15.6% Asian, 6.5% White, 63.5% American Indian and Alaska Native, 0.5%Black or African American, 9.3% Unknown, 2.5% Hispanic or Latino, 9.4% Asian, 5.6% White, 72.9% American Indian and Alaska Native, 0.4%
LGBT Percentage8%9%

Differences between consumer loan officer and senior underwriter duties and responsibilities

Consumer loan officer example responsibilities.

  • Coordinate loans, manage daily operation of loan origination, processing, follow up and closings.
  • Manage a multifacete commercial real estate investment firm.
  • Execute loan origination process, to include ordering and evaluating credit reports, appraisals and preliminary title reports.
  • Ensure compliance with lending laws, RESPA, HMDA, and TIL etc.
  • Solicit new lending and cross-selling opportunities from prospects discover by networking, cold-calling, or on a referral basis.
  • Develop customer relationships, educate and recommend appropriately base on needs, maximize cross-selling opportunities.
  • Show more

Senior underwriter example responsibilities.

  • Manage AUS findings and analyze approvals and results accordingly.
  • Perform underwriter approval/declines on FHA, VA, FmHA and conventional loan applications providing financing for one-to-four family residential properties.
  • Fix and n variable annuities.
  • Check for the accuracy and proper recording of UCC filings and mortgages.
  • Order and review flood searches, title reports, UCC searches, appraisals, insurance policies and binders, and contracts.
  • Review preliminary HUD-1 for accuracy.
  • Show more

Consumer loan officer vs senior underwriter skills

Common consumer loan officer skills
  • Financial Statements, 7%
  • Financial Services, 7%
  • Outbound Calls, 6%
  • Consumer Loan Applications, 6%
  • Phone Calls, 6%
  • Origination, 6%
Common senior underwriter skills
  • Customer Service, 11%
  • Portfolio, 8%
  • Underwriting Guidelines, 5%
  • Strong Analytical, 4%
  • SR, 4%
  • Excellent Interpersonal, 4%

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