Consumer Funder II

Pacific-Service-Credit-Union; Concord (CA); On-site; USD 39,000 - 50,000; Full time

Benefits offered by this job

Health insurance

401k

Bonus program

Tuition Reimbursement

Vacation and sick time

Employee referral bonus

Student Loan Repayment Assistance

Loan rate discount

Job summary

Pacific Service Credit Union is seeking a Consumer Funder II in Concord, CA. The role focuses on independently funding direct and indirect consumer loans, handling complex documentation, and ensuring accuracy and compliance in all funding activities.

The position emphasizes collaboration with underwriting, loan officers, and internal partners to meet funding targets while maintaining high service levels for members.

Qualifications

• High school diploma or equivalent required.
• 3–5 years in consumer lending or loan funding.
• Knowledge of consumer loan documentation, funding controls, collateral/insurance verification.
• Proficiency with loan origination systems and related funding tools.

Responsibilities

• Fund direct and indirect consumer loan applications accurately.
• Review and verify loan documents, identifications, collateral, and income verification.
• Ensure compliance with underwriting conditions and funding policies.
• Provide day-to-day support for funding processes and system data entry.
• Coordinate with underwriters, dealers, and members to complete funding.

Skills

Consumer lending knowledge

Funding calculations

Documentation accuracy

Education

High school diploma or equivalent

Tools

Symitar

Origence

Dealer-indirect lending platforms

Electronic document systems

Funding tools

Job description

If you are unable to complete this application due to a disability, contact this employer to ask for an accommodation or an alternative application process.

Consumer Funder II

Concord, CA, US

Salary Range: $28.08 To $36.14 Hourly

Working for Pacific Service Credit Union

We put people first. That includes our members, our employees and the communities we serve. We hire energetic and enthusiastic people who want to work as part of our team.

What’s in it for you?

Health insurance coverage: We provide our employees with 97% premium employer-paid medical, and 100% premium dental, vision, disability and basic life insurance for full-time employees and a low monthly premium for eligible dependents.

401k:We contribute 3% of your base salary to your 401k account regardless of whether you contribute or not. In addition, we match 75% of your contributions up to the first 3% of eligible compensation beginning after your first day of employment and up to 6% after three years of service. All employees are vested at 100% for the employer match beginning the first day of employment.

Bonus program: All employees are rewarded for attaining our annual organizational goals.

Tuition Reimbursement program for employees eligible after six months of service.

Recognition program where employees can be nominated by management, their peers or by members.

Employee referral bonus.

Student Loan Repayment Assistance:Contributions toward your student loans every month by the credit union after six months of service.

Employees are eligible to receive a consumer loan rate discount.

Vacation and sick time: Full-time employees receive more than two weeks’ vacation per year, 11 paid holidays and 10 days of sick leave.

Our Hiring Process

We believe it’s important for you to know where you stand in our hiring process. Below is an outline of the steps we take to make the best hires possible.

In-Person Interview: After a screening call with TQC, we’ll invite a final number of candidates to our office for an in-person interview or set up a live Zoom meeting with the hiring manager(s).

If we believe that you have what it takes, we'll make an offer and provide next steps in the hiring process!

About this Role

At Pacific Service Credit Union, we are committed to strategic growth through trust, innovation, and operational excellence. By empowering our internal teams with the tools and support they need to succeed, we strengthen organizational efficiency, ensure compliance, and advance our mission of enhancing member financial well‑being.

This role independently performs advanced direct and indirect consumer-loan funding. Handles complex documentation and collateral issues, serves as a resource to level I Funders, completes targeted quality review, and helps improve funding consistency and efficiency.

This role requires an organized and dependable individual with strong communication skills and the ability to complete tasks accurately and on time. The position supports the team and organization by assisting with day-to-day activities, completing assigned projects, and contributing to efforts that advance organizational goals and uphold core values, while enhancing member/service outcomes.

Essential Job Functions

• Fund approved direct and indirect consumer loan applications accurately and within established service standards, policies, procedures, and delegated authority.
• Review applications, approvals, contracts, loan documents, identification, collateral information, insurance, income documentation, and other required records for accuracy, completeness, consistency, and compliance with underwriting conditions before disbursement.
• Confirm that all required stipulations and approval conditions are satisfied; identify discrepancies or missing information and obtain correction from members, dealers, loan officers, or internal business partners.
• Prepare, deliver, and maintain accurate loan documentation and system records; complete required data entry, booking, disbursement, and post-funding documentation activities.
• Communicate professionally with members, dealers, and internal partners regarding documentation requirements, funding status, approvals, declines, and next steps, without exceeding assigned authority.
• Apply mathematical concepts needed to validate payment, APR, amount financed, loan-to-value, debt ratios, interest calculations, fees, and disbursement amounts.
• Open new member accounts when required to support funded loans and complete applicable identity-verification and membership requirements.
• Respond to inbound calls and conduct outbound follow‑up while maintaining high standards of member and dealer service.
• Recognize appropriate opportunities to introduce credit union products and services and make referrals consistent with member needs.
• Protect member information and comply with applicable laws, regulations, and organizational requirements, including BSA, OFAC, USA PATRIOT Act, Identity Theft Red Flags, fair lending, privacy, and other consumer‑lending requirements.
• Manage assigned work independently, meet deadlines, maintain dependable attendance and punctuality, and support team production needs across both direct and indirect channels.
• Identify recurring issues and contribute to process, documentation, system, and service improvements.
• Support special projects, audits, testing, training, and other departmental responsibilities as assigned.
• Level‑Specific Scope and Expectations:
  • Independently fund the full range of standard transactions and assigned complex loans across direct and indirect channels.
  • Research and resolve complex documentation, contract, title, insurance, membership, disbursement, income-verification, and system discrepancies within established authority.
  • Complete peer or pre‑funding quality reviews when assigned; identify error trends and provide clear, constructive feedback.
  • Provide day‑to‑day technical guidance, cross‑training, and onboarding support to Funder I employees without formal supervisory authority.
  • Assist with procedure updates, user acceptance testing, reconciliations, audit requests, exception tracking, and special projects.
  • Coordinate with underwriting and management when approval terms, policy requirements, or risk questions require clarification or exception approval.
• Contribute to company innovation and continuous improvement. Foster a culture of evolution by adapting to changes, optimizing processes, and contributing to the growth and success of the organization.
• Demonstrate accountability in your work by taking ownership of responsibilities, setting clear goals, meeting deadlines, and delivering high‑quality results. Act with integrity, follow through on commitments, and uphold professional standards.
• Support and uphold company culture by aligning your work with the credit union’s mission and values, contributing to a positive, high‑performing environment.
• Demonstrate dependable performance including attendance and punctuality, recognizing that it is essential to organizational excellence and operational success.
• Comply with all anti‑money laundering laws, including the Bank Secrecy Act, OFAC regulations, and the USA PATRIOT Act, as well as all related policies and procedures.

Supporting Functions

• Provide backup and support to management and other lending functions, as directed.
• Performs special projects and other responsibilities, as directed.

Core Competencies

The following competencies are essential for success in this role:

Job knowledge: Learns and applies lending, documentation, system, and compliance requirements; understands how funding work affects members, dealers, portfolio quality, and downstream servicing.

Effective communication: Communicates clearly, professionally, and concisely; adjusts communication for members, dealers, and internal partners; keeps stakeholders informed.

Problem solving: Identifies issues early, gathers relevant information, uses established escalation paths, and resolves problems promptly and appropriately.

Quality of work: Produces complete, accurate, timely work; validates details before funding; prevents avoidable errors and recurring defects.

Member and dealer focus: Provides courteous, dependable service; manages difficult situations constructively; follows through on commitments.

Collaboration: Builds productive working relationships, supports team priorities, shares information, and contributes to a respectful environment.

Execution and accountability: Prioritizes effectively, takes ownership, meets service standards and deadlines, and delivers results with integrity.

Required Minimum Qualifications

Education:

High school diploma or equivalent, required. Relevant college coursework or industry education preferred.

Experience:

Three (3) to five (5) years of progressively responsible consumer‑lending or loan‑funding experience, including demonstrated proficiency in both direct and indirect funding.

• Advanced knowledge of consumer‑loan documentation, funding controls, collateral requirements, and lending calculations.
• Demonstrated ability to resolve complex discrepancies while preserving service, compliance, and credit quality.
• Consistently strong accuracy, productivity, judgment, and service performance.
• Ability to coach peers, explain requirements, and document processes clearly.
• Proficiency with the credit union's loan‑origination, core, document, and related funding systems.

Preferred Qualifications

• Knowledge of Symitar, Origence, dealer‑indirect lending platforms, electronic document systems, and related funding tools.

Physical Requirements

Hearing: Ability to hear and comprehend spoken communication in person and over the phone.

Vision: Ability to view computer screens and read documentation with clarity and accuracy.

Verbal Communication: Ability to speak clearly and effectively to interact with colleagues and/or members. Frequent use of telephone headset may be required.

Manual Dexterity: Proficient use of hands and fingers for typing, operating office equipment, and handling documents.

Posture and Endurance: Ability to sit or stand at a workstation for extended periods; adjustable sit/stand desk options may be available to support comfort.

Mobility: Ability to move within the office environment to attend meetings or assist colleagues, as needed.

Lifting and Carrying: Occasionally required to lift and carry materials weighing up to 30 lbs.

Other Information

Hours Required:

A work schedule of Monday through Friday, generally 8 a.m. to 5 p.m., with some alternate work schedules. This position is eligible for the credit union's telecommute policy.

Travel Requirements:

Less than 5% local travel, required. Limited travel during the work schedule, primarily for training, meetings, or special projects.