Consumer Funder II

Pacific Service Credit Union•Concord, CA

About The Position

At Pacific Service Credit Union, the Consumer Funder II supports strategic growth, operational excellence, compliance, and member financial well-being. The role independently performs advanced direct and indirect consumer-loan funding, handles complex documentation and collateral issues, serves as a resource to Funder I employees, completes targeted quality reviews, and contributes to consistent and efficient funding operations. The position requires organization, dependability, strong communication, and accurate, timely work. The role independently funds standard transactions and assigned complex loans across direct and indirect channels. It reviews loan applications and supporting documents, confirms approval conditions and stipulations, resolves discrepancies, prepares and maintains loan documentation and system records, and completes booking, disbursement, and post-funding activities. The Funder II communicates with members, dealers, and internal partners, supports service and product referrals, protects member information, and follows applicable consumer-lending and anti-money-laundering requirements. The position also conducts assigned quality reviews, provides technical guidance and onboarding support to Funder I employees without formal supervisory authority, and assists with procedures, testing, reconciliations, audits, exception tracking, and special projects. It coordinates with underwriting and management when terms, policy requirements, or risk questions require clarification or approval. The role is eligible for the credit union’s telecommute policy and requires less than 5% local travel, primarily for training, meetings, or special projects.

Requirements

High school diploma or equivalent.
Three to five years of progressively responsible consumer-lending or loan-funding experience, including proficiency in both direct and indirect funding.
Advanced knowledge of consumer-loan documentation, funding controls, collateral requirements, and lending calculations.
Demonstrated ability to resolve complex discrepancies while preserving service, compliance, and credit quality.
Consistently strong accuracy, productivity, judgment, and service performance.
Ability to coach peers, explain requirements, and document processes clearly.
Proficiency with the credit union’s loan-origination, core, document, and related funding systems.
Ability to communicate clearly, professionally, and concisely with members, dealers, and internal partners.
Ability to identify issues, gather relevant information, use escalation paths, and resolve problems appropriately.
Ability to produce accurate, complete, and timely work, prioritize effectively, take ownership, and meet deadlines.
Ability to maintain dependable attendance and punctuality.
Ability to hear and comprehend spoken communication in person and over the phone; view computer screens and read documentation; speak clearly; use hands and fingers for typing and office equipment; sit or stand at a workstation for extended periods; move within an office; and occasionally lift and carry materials weighing up to 30 lbs.
Work schedule is generally Monday through Friday, 8 a.m. to 5 p.m., with some alternate work schedules.
Less than 5% local travel is required, primarily for training, meetings, or special projects.

Nice To Haves

Relevant college coursework or industry education.
Knowledge of Symitar, Origence, dealer-indirect lending platforms, electronic document systems, and related funding tools.
Spanish-English bilingual ability.

Responsibilities

Fund approved direct and indirect consumer loan applications accurately and within service standards, policies, procedures, and delegated authority.
Review applications, approvals, contracts, loan documents, identification, collateral information, insurance, income documentation, and other records for accuracy, completeness, consistency, and compliance with underwriting conditions.
Confirm required stipulations and approval conditions are satisfied; identify discrepancies or missing information and obtain corrections from members, dealers, loan officers, or internal partners.
Prepare, deliver, and maintain accurate loan documentation and system records; complete data entry, booking, disbursement, and post-funding documentation activities.
Communicate with members, dealers, and internal partners about documentation requirements, funding status, approvals, declines, and next steps, within assigned authority.
Validate payment, APR, amount financed, loan-to-value, debt ratios, interest calculations, fees, and disbursement amounts using applicable mathematical concepts.
Open new member accounts when required and complete applicable identity-verification and membership requirements.
Respond to inbound calls and conduct outbound follow-up while providing member and dealer service.
Identify appropriate opportunities to introduce credit union products and services and make referrals consistent with member needs.
Protect member information and comply with applicable laws, regulations, and organizational requirements, including BSA, OFAC, USA PATRIOT Act, Identity Theft Red Flags, fair lending, privacy, and consumer-lending requirements.
Manage assigned work independently, meet deadlines, maintain dependable attendance and punctuality, and support production needs across direct and indirect channels.
Identify recurring issues and contribute to process, documentation, system, and service improvements.
Support special projects, audits, testing, training, and other departmental responsibilities as assigned.
Independently fund standard transactions and assigned complex loans across direct and indirect channels; research and resolve complex documentation, contract, title, insurance, membership, disbursement, income-verification, and system discrepancies within established authority.
Complete peer or pre-funding quality reviews when assigned, identify error trends, and provide clear, constructive feedback.
Provide day-to-day technical guidance, cross-training, and onboarding support to Funder I employees without formal supervisory authority.
Assist with procedure updates, user acceptance testing, reconciliations, audit requests, exception tracking, and special projects.
Coordinate with underwriting and management when approval terms, policy requirements, or risk questions require clarification or exception approval.
Provide backup and support to management and other lending functions as directed; perform special projects and other responsibilities as directed.
Contribute to innovation and continuous improvement, adapt to changes, optimize processes, take ownership of responsibilities, meet deadlines, uphold professional standards, and support a positive, high-performing culture.
Comply with anti-money-laundering laws and related policies and procedures, including the Bank Secrecy Act, OFAC regulations, and the USA PATRIOT Act.

Benefits

97% employer-paid medical insurance premium for full-time employees.
100% employer-paid dental, vision, disability, and basic life insurance premiums for full-time employees.
Low monthly premium for eligible dependents.
Employer contributes 3% of base salary to a 401(k), regardless of employee contributions.
401(k) matching of 75% of employee contributions up to the first 3% of eligible compensation beginning after the first day of employment, increasing up to 6% after three years of service; employees are 100% vested in the employer match from the first day.
Bonus program for attaining annual organizational goals.
Tuition reimbursement for employees eligible after six months of service.
Employee recognition program.
Employee referral bonus.
Student loan repayment assistance after six months of service.
Consumer loan rate discount for employees.
Full-time employees receive more than two weeks of vacation per year, 11 paid holidays, and 10 days of sick leave.