Payment Processing Specialist

Lentegrity • Foothill Ranch, CA

1d • Onsite

About The Position

Lentegrity is seeking a detail-oriented Payment Processing Specialist to support accurate payment processing, account balancing, and transaction operations. The role processes and reconciles payments, researches account discrepancies, and collaborates with Accounting and Servicing teams. It also handles loan modifications and restructures, invoice processing, and related servicing activities. The position is based in Foothill Ranch, California, in the Servicing department, is classified as non-exempt, and pays $20.30–$26.40 per hour.

Requirements

• At least 2 years of experience in payment processing, loan servicing, financial operations, or accounting support; auto finance experience is preferred.
• Intermediate knowledge of adherence to National Automated Clearing House Association (NACHA) Rules.
• Strong analytical, mathematical, and problem-solving skills.
• Familiarity with CRM systems and practices.
• Ability to multitask, prioritize, and manage time effectively.
• Attention to detail and ability to manage multiple priorities and meet processing deadlines.
• Effective communication and organizational skills.
• High school diploma or equivalent.
• Understanding of debits, credits, account balances, and basic accounting principles.

Nice To Haves

• Experience in auto finance.

Responsibilities

• Process and accurately post customer payments and payoffs, insurance checks, and auction checks.
• Assist with balancing daily cash activity and identifying discrepancies between servicing systems and accounting records.
• Perform daily balancing and assist with month-end reconciliation processes within SLA.
• Waive or reverse fees according to policy.
• Handle sensitive financial transactions and customer account information accurately.
• Review payment histories and account transactions for accuracy and compliance with servicing procedures.
• Retrieve mail and distribute it to the correct parties.
• Process unwinds, net funds, and loan modifications.
• Process loan modifications and payment restructures associated with SCRA protections, including interest rate reductions, payment adjustments, and retroactive account corrections.
• Identify opportunities to improve payment processing accuracy, efficiency, and workflow procedures.
• Review the NSF Fee report to ensure NSF fees are applied correctly.
• Review and process loan account restructures resulting from Chapter 13 bankruptcy filings, including court-approved repayment plans and confirmed modifications.
• Research complex account transactions and collaborate with Servicing and Accounting to resolve issues.
• Manage invoice processing, including reviewing, reconciling, and submitting invoices for payment according to established procedures.
• Perform other related duties as assigned.

Benefits

• Extensive growth opportunities, with an emphasis on promoting internally.
• Collaborative, innovative, and challenging work environment.
• Ongoing learning and development, including access to over 3,500 self-paced courses, instructor-led virtual training classes, and more than 25,000 books in online, audio, and summary formats.
• Competitive compensation.
• Comprehensive medical, dental, and vision benefits.
• Health Savings Plans.
• 401(k) match.
• 24/7 counseling and consultation services through an Employee Assistance Program (EAP).
• Adoption assistance.
• Optional commuter benefits.
• Casual dress code.

What This Job Offers

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