Consumer Loan Servicing Specialist

Golden1; Sacramento (CA); On-site; USD 34,991 - 37,195; Full time

Benefits offered by this job

Market-competitive compensation

Career development and growth

Diversity, Equity, and Inclusion commitment

Job summary

Golden1 is looking for a Consumer Loan Servicing Specialist to work in a hybrid environment in Sacramento, California. The role involves engaging with members regarding loan inquiries, processing requests, and ensuring regulatory compliance. Candidates should have customer service experience in a financial institution, effective communication skills, and a commitment to process improvement.

The position supports a collaborative environment where problem-solving and innovation are encouraged. If you have a solid background in loan servicing and compliance, we invite you to apply.

Qualifications

• Proven experience in customer service at a financial institution.
• Ability to manage complex tasks and provide solutions.
• Extensive experience with loan servicing and compliance.

Responsibilities

• Engage with members via phone and email for loan inquiries.
• Process loan servicing requests and maintain records.
• Mentor new employees and share best practices.

Skills

Customer service experience

Loan research

Process improvement

Credit Bureau processing

Mentorship experience

Education

H.S. Diploma or GED

3+ years in financial institution

Job description

Job Description

Posted Friday, July 3, 2026 at 10:00 AM

Job Title: Consumer Loan Servicing Specialist
Status: Non-exempt
Reports to: Supervisor - Consumer Loan Servicing
Department: Consumer Loan Servicing
Job Code: 11287
Pay Range: $25.40 - $27.00 Hourly

Location: Hybrid in Sacramento, CA

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 bring a strong sense of ownership and accountability to work, consistently delivering accurate and timely results while managing competing priorities in a fast‑paced, production‑driven environment. You are a collaborative and solutions‑oriented problem solver who leverages your experience in loan servicing to navigate complex scenarios, support team effectiveness, and drive consistent operational execution. You proactively identify opportunities for improvement, apply analytical thinking to resolve issues, and adapt quickly to changing priorities while maintaining a high standard of service and compliance.

What You’ll Do

• Engage with members via phone and email, providing exceptional service and assistance with loan related inquiries, demonstrating alignment with our Mission, Vision, and Core Values.
• Process requests submitted through the Consumer Loan Servicing queues, email inboxes, faxes, and by mail.
• Assist technicians and handle escalations in a solutions‑based manner, as a first line attempt of resolution prior to passing to leadership.
• Department‑specific duties may include advanced servicing or subject matter expertise in the following areas:
  • System testing, new product testing, statement validation.
  • Loan servicing and maintenance functions.
  • Rate change processes on variable rate loan products.
  • Advanced servicing of equity loans including ensuring proper closing, title research and release resolutions, fixed‑rate segment servicing, demand payoff processing.
  • Partner with accounting to research and clear differences in assigned general ledger accounts.
  • Process early payoff and non-payoff refunds for ancillary loan products.
  • Support vehicle title perfection through planned strategies and partnerships with indirect lending teams and dealerships.
  • Monitor and ensure posting of insurance commission income and expenses related to product protection.
  • Support adding, cancelling of ancillary loan products offered.
  • Mapping and servicing electronic forms, support generating new and servicing existing.
  • Monitor reporting, provide error resolution, with a strong focus on regulatory compliance in servicing standards.
  • Investigate, process and respond to credit bureau disputes and discrepancies including communication with the credit reporting agencies.
• Maintain a thorough understanding of state and federal laws and regulations related to credit union compliance. Must pass all regulatory and compliance courses and apply knowledge to daily tasks.
• Identify and propose processing optimization, with a digital focus, to enhance the effectiveness of servicing operations. Support implementation of digitally focused projects.
• Establish a collaborative environment by actively engaging with colleagues to share best practices and ideas. Supporting training technicians and temporary employees. Mentor employees to ensure a high level of knowledge transfer.
• Create open and honest communication, give, and encourage feedback.
• Coordinate and monitor daily workflows of department.
• Highly engaged participation in huddles and meetings, lead meetings as needed.
• Support annual procedure update process.
• Support production reporting, ensuring service level agreements are met and work is delegated to technicians in prioritizing order.
• Innovate mindset with a passion for process improvement.
• Proactive and self‑motivated.
• Provide additional department support and perform other tasks and duties as needed.

Qualifications and Preferences

• H.S. Diploma or GED and/or equivalent work experience required.
• 3+ years at a financial institution performing customer service in a progressively advancing role, with a focus on complex tasks and process improvement, extensive loan research and resolution, report creation and analysis, training and mentorship experience, testing and validating experience, vehicle and home titling and release processing required.
• Credit Bureau research and dispute processing required.
• Experienced level in servicing ancillary loan products required.

Benefits

Golden 1 Credit Union provides 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 the Mission, Vision, and Strategic Goals. The Credit Union is committed to 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. Employees are recognized, valued, and motivated to contribute their best.

Disclaimer

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.