Consumer Direct Lending Ops - Direct Loan Processor I
About The Position
Golden 1 Credit Union is hiring a Direct Loan Processor I in Consumer Direct Lending Operations. This remote position is open to candidates who reside in California and supports consumer loan applications from initial processing through fulfillment and disbursement. The processor ensures work is accurate, timely, compliant with applicable regulations and lending policies, and supports a positive member experience. The role handles a high volume of loan applications and calls, gathers and verifies information and documentation, prepares loan documents, and coordinates with members, dealerships, outside finance companies, and internal teams. The successful candidate is detail-oriented and service-focused, communicates effectively, manages high workloads, resolves member inquiries, and identifies or escalates risks and issues. The role also includes auditing loan and operational documents, monitoring email and team chat, assisting with escalated inquiries, and working comfortably in a virtual office environment. Golden 1 describes its total rewards philosophy as including compensation, well-being and work-life balance, career development and growth, rewards and recognition, and a commitment to diversity, equity, and inclusion.
Requirements
- High school diploma or 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.
- Strong communication skills and the ability to manage a high volume of work and member inquiries.
- Ability to maintain accuracy and work in a fast-paced environment.
- California residency is required for this remote position.
Nice To Haves
- Some college.
- Consumer loan processing experience.
Responsibilities
- Maintain an understanding of applicable state and federal credit union compliance laws and regulations, including bank secrecy and anti-money laundering requirements appropriate to the position.
- Manage high volumes of inbound and outbound loan-related calls while processing loan applications.
- Develop problem-solving skills and contribute to improving department performance.
- Listen and respond courteously to the needs of members and coworkers.
- Analyze data, conduct research, collect documentation, and prepare loan documents accurately.
- Obtain and verify required DMV documentation to record the company's lien on loan collateral.
- Collaborate with employees in other departments on steps in the loan application process.
- Audit operational documents, executed loan documents, and reports for procedural compliance, accuracy, and authenticity.
- Apply Golden 1 lending policies and procedures.
- Handle email correspondence, TEAM chat inquiries, consumer loan fulfillment audits, escalated calls, and branch emails.
- 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 and send them to members for signature; 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 environment.
- Communicate effectively in writing and orally; follow up on member inquiries and concerns by web messaging or phone using professional grammar and tone.
- Provide customer service to Golden 1 members, dealerships, and outside finance companies.
- Perform other tasks as assigned.
Benefits
- Golden 1 describes a total rewards package that includes compensation, well-being and work-life balance, career development and growth, rewards and recognition, and a commitment to diversity, equity, and inclusion.
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What This Job Offers
Job Type
Full-time
Career Level
Entry Level
Education Level
High school or GED
