Consumer Direct Lending Ops - Direct Loan Processor I

Golden 1; Sacramento (CA); Hybrid; USD 30.000 - 33.000; Vollzeit

Zusammenfassung

Golden 1 Credit Union in Sacramento, CA is seeking a Direct Loan Processor I to join Consumer Direct Lending Ops. This non-exempt role supports end-to-end consumer loan processing with accuracy and timely approvals, in a collaborative hybrid work environment.

The successful candidate will handle high-volume loan applications, ensure compliance with lending policies, and provide exceptional member service while maintaining attention to detail and strong communication skills.

Qualifikationen

• 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.

Aufgaben

• Maintain knowledge 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 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.

Kenntnisse

Communication skills

Teamwork

Customer service

Ausbildung

HS Diploma or GED

Some college

Jobbeschreibung

Job Title: Direct Loan Processor I

Status: Non-exempt

Reports to: Supervisor - Direct Loan Processing

Department: Consumer Direct Lending Ops

Job Code: 11220

Pay Range: $21.50 - $24.00 Hourly

Location: Hybrid in Sacramento, 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.

Please view the full job description detailing the complete list of duties and expectations for this role by clicking or copying this URL into your browser: https://golden1.jdxpert.com/ShowJob.aspx?EntityID=2&id=2097

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.