Direct Loan Processor I - Hybrid (Sacramento)

Golden 1; Sacramento (CA); Hybrid; USD 30,000 - 33,000; Full time

Job summary

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.

Qualifications

• 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.

Responsibilities

• 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.

Skills

Communication skills

Teamwork

Customer service

Education

HS Diploma or GED

Some college

Job description

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.