Dealer Services Ops - Prcsng - Indirect Loan Processor I

Golden 1; Sacramento (CA); Hybrid; USD 29,000 - 32,000; Full time

Job summary

Golden 1 Credit Union is seeking an Indirect Loan Processor I to support dealer services and member funding in a remote California setting. You will handle applications, ensure compliance with BSA/AML, CIP/OFAC, and internal policies, and coordinate with dealers and internal teams to expedite funding.

The role requires accuracy and speed in a high-volume environment, with opportunities to improve processes and maintain audit readiness while delivering clear guidance to dealers and members.

Qualifications

• H.S. Diploma or GED or equivalent required
• 1+ years experience in a fast-paced lending environment or high-volume, customer service centric work
• Consumer loan processing experience is a plus preferred

Responsibilities

• Maintain up-to-date understanding of applicable state and federal laws/regulations and internal requirements (BSA/AML, CIP/OFAC) and apply them in loan fulfillment
• Manage a high volume of loan-related communications and progress multiple applications in parallel to funding
• Meet quality, productivity, and timeliness targets; document actions and outcomes
• Identify root causes of issues and contribute to continuous improvement of processes
• Coordinate with dealers, members, and internal teams to move loans to funding
• Prepare and quality-check loan documents for member signature and disbursement

Skills

High-volume environment experience

Lending/loan processing knowledge

Education

High School Diploma or GED

Job description

Job Title: Indirect Loan Processor I

Status: Non-exempt

Reports to: Supervisor - Indirect Lending Processing

Department: Dealer Services Ops

Job Code: 11222

Pay Range: $21.00 - $23.00 Hourly

Location: Remote 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 balance speed and accuracy while managing multiple loan applications and time-sensitive funding requirements in a high-volume environment. You are a dependable contributor who uses sound judgment to interpret information, support loan fulfillment activities, and provide clear guidance to dealers, members, and internal teams. You contribute to team success by communicating effectively, supporting workflow coordination, and identifying opportunities to improve processes and reduce errors.

WHAT YOU'LL DO:

• Maintain a working and up-to-date understanding of applicable state and federal laws/regulations and internal requirements (including BSA/AML, CIP/OFAC, and related compliance obligations) and apply them consistently throughout the loan fulfillment and funding process.
• Manage a high volume of loan-related communications (inbound/outbound calls, emails, and internal messages) while progressing multiple applications in parallel; triage time-sensitive funding items, set expectations with partners, document actions taken, and meet service level and turnaround-time requirements.
• Accountable for meeting established quality assurance standards and performance metrics by completing work accurately the first time, following required checklists/controls, meeting productivity and timeliness targets, and promptly correcting errors or rework trends identified through quality reviews or audits.
• Identify root causes of member or operational issues, recommend practical solutions, and contribute to continuous improvement efforts (job aids, knowledge sharing, and workflow enhancements) to improve team performance and consistency.
• Deliver consistent, high-quality service to dealers, members, and internal partners by actively listening, confirming needs, explaining next steps in plain language, setting realistic timelines, and following through on commitments. Support escalations and time-sensitive funding issues by using appropriate urgency, keeping stakeholders informed, and documenting outcomes.
• Review and analyze application data and supporting documentation to ensure consistency and completeness (e.g., applicant information, stipulations/conditions, collateral details, insurance/registration requirements as applicable); perform required research and validations; complete required system updates with strong attention to audit readiness and record retention standards.
• Obtain, validate, and track required Department of Motor Vehicles (DMV) documentation, when needed, to ensure lien perfection and proper recording of the credit union’s interest in collateral.
• Partner with peers and cross-functional teams (e.g., branches, Member Service, Vehicle Services, and back-office areas) to resolve exceptions, clear conditions, and complete required steps to move loans efficiently to funding.
• Perform post-preparation quality control by auditing executed loan documents and operational reports to verify signatures, dates, required disclosures, document indexing/filing, and procedural compliance. Identify and resolve discrepancies within authority, initiate corrections (e.g., missing/incorrect documents), and elevate exceptions and potential risk concerns to mitigate loss and regulatory exposure.
• Maintain strong working knowledge of Golden 1 lending policies, procedures, and systems to ensure consistent decisioning support, accurate document preparation, and compliant loan fulfillment.
• Provide operational support through professional email and Teams chat correspondence; respond to dealership and Dealer Relationship Manager inquiries; assist with escalated calls and time-sensitive funding issues; and complete audits as assigned.
• Identify red flags and mitigate potential fraud, suspicious activity, and identity theft by following established controls, documenting findings, and escalating concerns in accordance with policy.
• Conduct member interviews; perform required financial calculations and proof-of-income analysis; obtain and validate information needed to satisfy loan conditions; and confirm readiness for funding in accordance with credit union requirements.
• Prepare and quality-check loan documents for member signature; monitor receipt of executed documents; and coordinate approved loans for disbursement.
• Use sound judgment and critical thinking to resolve routine exceptions, recognize when to elevate, and continuously strengthen product and process knowledge to support team effectiveness.
• Manage shared work queues (e.g., Outlook email and Teams chat) by monitoring for new requests, prioritizing by funding deadlines and risk, and coordinating real-time handoffs with teammates to prevent delays, reduce rework, and maintain clear documentation of actions taken.
• Participate effectively in video conferencing, trainings, and team meetings; communicate status, risks, and handoffs clearly in a virtual and/or hybrid work environment.
• Perform other related duties as assigned, consistent with the scope of the role.

QUALIFICATIONS AND PREFERENCES:

• H.S. Diploma or General Education Degree (GED) or equivalent required
• 1+ years experience in a fast-paced lending environment or customer service centric work environment with high 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.

Pursuant to the San Francisco Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction records.

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