Consumer Direct Lending Ops - Direct Loan Processor I

Golden 1 Talent Acquisition Team; Oregon; Hybrid; USD 30,000 - 33,000; Full time

Job summary

Golden 1 Credit Union is seeking a Direct Loan Processor I to handle end-to-end consumer loan processing in a fast-paced environment. The role is remote (must reside in California) and reports to the Supervisor - Direct Loan Processing within Consumer Direct Lending Operations.

The candidate will ensure accuracy, regulatory compliance, and timely processing while delivering excellent member service. Prior call center or loan processing experience is preferred, with opportunities to grow within a

Qualifications

• HS diploma or GED required.
• Some college preferred.
• 3+ years in a fast-paced call center environment or high-volume loan processing.
• Consumer loan processing experience is a plus.

Responsibilities

• Maintain a thorough understanding of state and federal laws and regulations related to credit union compliance including bank secrecy and anti-money laundering laws.
• Manage a high volume of inbound and outbound loan-related calls and loan applications.
• Continuously develop yourself to solve problems and improve department performance.
• Foster a positive work environment by actively listening to and responding to member and co-worker needs with a courteous and helpful attitude.
• Analyze data, research, and collect documentation, and prepare loan documents with minimal errors.
• Obtain and verify required DMV documentation to properly record the company's lien on loan collateral.
• Collaborate with peers across departments to carry out key steps in the loan application process.
• Audit various operational documents to ensure compliance and accuracy.
• Maintain knowledge of Golden 1 lending policies and procedures to ensure compliance.
• Provide email correspondence, respond to chats, conduct audits, assist with escalated calls and branch emails.
• Identify and mitigate potential fraud, suspicious activity, and identity theft.
• Conduct member interviews, perform financial calculations on proof of income, and gather information to determine loan funding suitability.
• Prepare loan documents and send to members for signing; prepare approved loans for disbursement.
• Monitor emails and chats; collaborate in real-time and respond promptly.
• Participate in video conferences and virtual meetings.
• Provide effective oral and written communication to aid employees and follow up on inquiries with professional tone.
• Provide exceptional customer service to Golden 1 members, dealerships, and outside finance companies.
• Perform other tasks as assigned.

Skills

Communication skills

Detail-oriented

Customer service

Education

High School Diploma or GED

Some college

Job description

Job Title: Direct Loan Processor IStatus: Non-exemptReports to: Supervisor - Direct Loan ProcessingDepartment: Consumer Direct Lending OperationsJob Code: 11220Pay Range: $21.50 - $24.00 HourlyLocation: Remote (Must Reside in California)

WHO WE ARE:

Golden 1 Credit Union is among the top credit unions in the country. As a member-owned, not-for-profit cooperative, Golden 1 is guided by the credit union philosophy of "people helping people." We are committed to empowering our members and uplifting our communities as we create a more equitable and financially inclusive California. We welcome all who embrace our Core Values.

WHO YOU ARE:

You support the end-to-end processing of consumer loan applications, ensuring work is completed accurately, timely, and in compliance while delivering a positive and consistent member experience. You are a detail-oriented and service-focused team member with strong communication skills, known for managing high volumes of work, resolving member inquiries, and maintaining accuracy in a fast-paced environment. You take ownership of your work by partnering across teams, applying lending policies and procedures, and identifying and escalating risks or issues to support efficient processing and compliant loan fulfillment.

WHAT YOU'LL DO:

• Maintain a thorough understanding of state and federal laws and regulations related to credit union compliance including bank secrecy and anti-money laundering laws appropriate to the position.
• Manage a high volume of inbound and outbound loan-related calls effectively and simultaneously manage loan applications.
• Continuously develop yourself to solve problems and improve department performance.
• Foster a positive work environment by actively listening to and responding to member and co-worker needs with a courteous and helpful attitude.
• Analyze data, research, and collect documentation, and prepare loan documents with minimal errors.
• Obtain and verify required Department of Motor Vehicles (DMV) documentation to properly record the company's lien on loan collateral.
• Collaborate with peers across different departments to carry out key steps in the loan application process.
• Audit various operational documents, including executed loan documents, and reports to ensure proper procedural compliance, accuracy, and authenticity.
• Maintain a working knowledge of Golden 1 lending policies and procedures to ensure compliance.
• Conduct supportive tasks including email correspondence, answering TEAM chat queries, conducting consumer loan fulfillment audits, providing assistance for escalated calls and branch emails.
• Identify and mitigate potential fraud, suspicious activity, and identity theft.
• Conduct member interviews, perform financial calculations and analysis on Proof of Income, and gather information to satisfy loan conditions in order to determine suitability for loan funding.
• Prepare loan documents and send them to members for signing and prepare approved loans for disbursement accordingly.
• Constantly develop critical thinking skills and enhance departmental performance.
• Monitor Outlook emails and TEAM chats efficiently, quickly collaborate in real-time, and respond promptly.
• Participate in video conferencing and online meetings while being comfortable in a virtual office culture.
• Provide effective oral and written communication skills to aid other employees and proactively follow up on member inquiries and concerns via Web Messaging or phone taking care to ensure proper grammar and a professional tone.
• Provide exceptional customer service to Golden 1 members, dealerships, and outside finance companies.
• Perform other tasks as assigned.

QUALIFICIATIONS AND PREFERENCES:

• H.S. Diploma or General Education Degree (GED) required
• Some college preferred
• 3+ years in a fast-paced call center environment or work environment with high call volume and loan processing volume , handling complex situations with direct consumer contact required
• Consumer loan processing experience is a plus preferred

WHY JOIN US:

Golden 1 Credit Union provides its employees a market-competitive and internally equitable total rewards compensation package through a variety of programs. These programs are designed to attract, motivate, and retain employees that drive and support the achievement of Our Mission, Vision, and Strategic Goals. The Credit Union is committed a total rewards philosophy built on; a comprehensive compensation package, well-being and work-life balance, career development and growth, rewards and recognition, and a commitment to Diversity, Equity and Inclusion. We believe in fostering a workplace where every employee is recognized, valued, and motivated to contribute their best.

DISCLAIMER/INTENT AND FUNCTION OF JOB DESCRIPTIONS:

The above information on this description has been designed to indicate the general nature and level of work performed by team members within this classification. Because the nature of positions and job functions can change over time, this job description is not designed to contain or be interpreted as a comprehensive inventory of all essential functions, duties, responsibilities and qualifications requirements of team members assigned to this job. Job duties may be changed or modified in the Credit Union's discretion. The Credit Union will keep team members updated on key functions, duties, and requirements of their position by communications from the Credit Union and by updating the job description from time to time. Any team member with questions about the nature of their job duties is encouraged to consult with their supervisor.'If you will work at least 8 hours a week in San Francisco, then pursuant to the San Francisco Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction records. Please note that, as an NCUA-insured financial institution, all selected candidates must satisfy the background screening requirements of the Federal Credit Union Act, which restricts employment of individuals with certain convictions.