Consumer Direct Lending Ops - Direct Lending Funding Specialist

Golden 1 Talent Acquisition Team•Sacramento, CA

1d•$28 - $35•Hybrid

About The Position

The Direct Lending Funding Specialist performs core consumer loan processing functions, excluding dedicated call-center queue responsibilities, and specializes in final loan audits, funding, booking validation, exception resolution, and fulfillment quality across consumer lending products. The role manages complex applications and transactions, reviews loan and supporting documentation, makes funding decisions within established authority, and resolves or escalates issues before funds are released. The specialist also provides guidance and mentoring to processors and internal partners, maintains audit evidence, and contributes to operational improvements and new lending product implementations.

Requirements

High school diploma or GED required.
Demonstrated experience with complex consumer loan documentation, final audit, funding execution, exception resolution, and operational controls required.
Equivalent relevant experience may be considered.

Nice To Haves

Associate’s degree in business, finance, accounting, or a related field preferred.
Five or more years of related consumer lending, loan processing, funding, financial services, or regulated operations experience preferred.

Responsibilities

Perform application processing functions including application review, document preparation, fulfillment coordination, complex troubleshooting, escalation support, and member follow-up when needed.
Process complex consumer lending transactions, including unsecured, vehicle, RV, powersports, dealer purchase, and private-party loans, within established authority.
Review application, membership, collateral, title, payoff, insurance, vesting, contract, and supporting documentation for completeness and accuracy.
Provide guidance to processors and internal partners regarding documentation, fulfillment readiness, and funding requirements.
Perform final audit and quality review of consumer loan files before funding and booking.
Validate loan terms, approvals, stipulations, signatures, dates, collateral information, vesting, disbursement instructions, required disclosures, and supporting documents.
Identify and resolve or escalate defects, inconsistencies, control gaps, risk indicators, and noncompliant conditions before releasing funds.
Maintain documentation and audit evidence to support quality assurance, regulatory review, and operational accountability.
Execute funding and disbursement activities accurately and promptly across assigned consumer lending products.
Validate payees, proceeds, payoff information, member disbursements, account information, and booking details before completing transactions.
Prioritize funding-ready loans and urgent transactions according to service levels and business priorities.
Confirm successful booking and partner with operational teams to identify or correct post-funding discrepancies.
Research and resolve complex funding exceptions, documentation deficiencies, system issues, failed disbursements, and booking discrepancies.
Coordinate issue resolution with Processing, Underwriting, Retail, MSCC, Loan Servicing, Collections, Fraud Prevention, Compliance, and other partners.
Communicate requirements, status, ownership, and next steps for unresolved funding matters.
Escalate policy exceptions, suspected fraud, material compliance concerns, or risks outside assigned authority.
Serve as a subject matter expert for final audit, documentation, funding, booking, and fulfillment controls.
Mentor processors and support teams on funding readiness, common defects, documentation standards, and corrective actions.
Participate in user acceptance testing, procedure reviews, automation, workflow improvements, and implementation of new lending products or services.
Analyze recurring defects and exceptions and recommend improvements to accuracy, control effectiveness, turnaround time, and member experience.