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Credit counselor vs commercial loan officer

The differences between credit counselors and commercial loan officers can be seen in a few details. Each job has different responsibilities and duties. While it typically takes 1-2 years to become a credit counselor, becoming a commercial loan officer takes usually requires 4-6 years. Additionally, a commercial loan officer has an average salary of $70,876, which is higher than the $40,227 average annual salary of a credit counselor.

The top three skills for a credit counselor include customer service, debt management and outbound calls. The most important skills for a commercial loan officer are customer service, loan portfolio, and financial statements.

Credit counselor vs commercial loan officer overview

Credit CounselorCommercial Loan Officer
Yearly salary$40,227$70,876
Hourly rate$19.34$34.08
Growth rate-8%4%
Number of jobs32,22191,582
Job satisfaction--
Most common degreeBachelor's Degree, 47%Bachelor's Degree, 76%
Average age4545
Years of experience26

Credit counselor vs commercial loan officer salary

Credit counselors and commercial loan officers have different pay scales, as shown below.

Credit CounselorCommercial Loan Officer
Average salary$40,227$70,876
Salary rangeBetween $27,000 And $59,000Between $50,000 And $100,000
Highest paying CityNew York, NYFort Lee, NJ
Highest paying stateNew YorkMaine
Best paying companyBNY MellonGlacier Ban
Best paying industryFinanceFinance

Differences between credit counselor and commercial loan officer education

There are a few differences between a credit counselor and a commercial loan officer in terms of educational background:

Credit CounselorCommercial Loan Officer
Most common degreeBachelor's Degree, 47%Bachelor's Degree, 76%
Most common majorBusinessBusiness
Most common collegeUniversity of PennsylvaniaUniversity of Pennsylvania

Credit counselor vs commercial loan officer demographics

Here are the differences between credit counselors' and commercial loan officers' demographics:

Credit CounselorCommercial Loan Officer
Average age4545
Gender ratioMale, 41.2% Female, 58.8%Male, 73.8% Female, 26.2%
Race ratioBlack or African American, 9.2% Unknown, 4.6% Hispanic or Latino, 16.1% Asian, 6.4% White, 63.2% American Indian and Alaska Native, 0.5%Black or African American, 9.3% Unknown, 4.6% Hispanic or Latino, 15.5% Asian, 6.5% White, 63.6% American Indian and Alaska Native, 0.5%
LGBT Percentage8%8%

Differences between credit counselor and commercial loan officer duties and responsibilities

Credit counselor example responsibilities.

  • Manage accounting operations, accounting close, account reporting and reconciliations.
  • Conduct underwriting reviews on FHA, VA, and other conforming and non-conforming loans within proper authority limits.
  • Gain thorough knowledge of FDCPA laws.
  • Complete in-service trainings, CPR training and medication certification course.
  • Determine services and assistance need through individual counseling for credit cards and for clients that are at risk for foreclosure.
  • Perform comprehensive financial assessment of homeowners facing financial crisis and at risk of foreclosure.
  • Show more

Commercial loan officer example responsibilities.

  • Create and manage mortgage loan department along with commercial consumer, SBA and real estate lending producing additional revenue stream.
  • Manage a multifacete commercial real estate investment firm.
  • Mortgage underwriter for FHA direct endorsement, VA authorize & FNMA delegate programs.
  • Sign and issue payroll checks to contractors hire to complete REO projects.
  • Secure new loans, investment accounts, treasury management products and depository accounts.
  • Compile figures for sales amount prior to selling real estate own (REO).
  • Show more

Credit counselor vs commercial loan officer skills

Common credit counselor skills
  • Customer Service, 19%
  • Debt Management, 14%
  • Outbound Calls, 10%
  • Inbound Calls, 8%
  • Payment Arrangements, 4%
  • Credit Reviews, 4%
Common commercial loan officer skills
  • Customer Service, 9%
  • Loan Portfolio, 8%
  • Financial Statements, 6%
  • Business Development, 6%
  • Commercial Loans, 4%
  • Bank Products, 4%

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