Consumer Direct Lending Ops - Direct Loan Processor I

Golden 1 Credit Union • Sacramento, CA

2d • Hybrid

About The Position

Golden 1 Credit Union is hiring a Direct Loan Processor I in Consumer Direct Lending Ops. This non-exempt role supports consumer loan applications from initial processing through fulfillment, helping ensure work is accurate, timely, compliant, and positive for members. The position handles high volumes of applications and member contacts, applies lending procedures, and collaborates with internal teams to move loans efficiently through processing and funding. The role is hybrid in Sacramento, California, with an hourly pay range of $21.50–$24.00.

The processor reviews and analyzes member information, verifies supporting documents, prepares loan paperwork, and helps ensure approved loans are ready for disbursement. The role also includes member and dealership service, operational document audits, communication through phone, email, messaging, and online meetings, and identifying potential fraud or compliance issues. Golden 1 describes its employee rewards philosophy as encompassing compensation, well-being and work-life balance, career development, rewards and recognition, and diversity, equity, and inclusion.

Requirements

• High school diploma or General Education Degree (GED).
• At least 3 years of experience in a fast-paced call center or other high-call-volume and high-loan-processing-volume environment, handling complex situations with direct consumer contact.

Nice To Haves

• Some college.
• Consumer loan processing experience.

Responsibilities

• Maintain knowledge of applicable state and federal credit union compliance requirements, including bank secrecy and anti-money laundering laws.
• Manage high volumes of inbound and outbound loan-related calls while processing loan applications.
• Analyze data, research information, collect documentation, and prepare loan documents with minimal errors.
• Obtain and verify required DMV documentation to record the company’s lien on loan collateral.
• Collaborate with peers in other departments on key steps in the loan application process.
• Audit operational documents, including executed loan documents and reports, for procedural compliance, accuracy, and authenticity.
• Apply Golden 1 lending policies and procedures to support compliant processing.
• Handle email correspondence, TEAM chat queries, consumer loan fulfillment audits, escalated calls, and branch email requests.
• Identify and mitigate potential fraud, suspicious activity, and identity theft.
• Conduct member interviews, analyze proof of income, perform financial calculations, and gather information needed to satisfy loan conditions and assess suitability for funding.
• Prepare loan documents, send them to members for signing, and prepare approved loans for disbursement.
• Monitor Outlook email and TEAM chats, collaborate in real time, and respond promptly.
• Participate in video conferences and online meetings in a virtual office culture.
• Communicate effectively in writing and verbally, and follow up professionally on member inquiries through web messaging or phone.
• Provide customer service to Golden 1 members, dealerships, and outside finance companies.
• Develop problem-solving and critical-thinking skills and contribute to department performance improvements.
• Perform other tasks as assigned.

Benefits

• A market-competitive and internally equitable total rewards compensation package.
• Programs supporting well-being and work-life balance.
• Career development and growth.
• Rewards and recognition.
• A commitment to diversity, equity, and inclusion.

What This Job Offers

• Job Type: Full-time
• Career Level: Entry Level
• Education Level: High school or GED