Direct Loan Processor II

Golden 1; Sacramento (CA); Hybrid; USD 66,198,000 - 77,366,000; Full time

Job summary

Golden 1 Credit Union is seeking a Direct Loan Processor II to independently manage the full lifecycle of consumer loan processing, from application through funding, while upholding accuracy and compliance. You will handle high-volume workloads, respond to member inquiries, and collaborate with cross-functional teams to ensure timely funding.

Ideal candidates will have a GED and 4+ years in fast-paced lending, with an emphasis on quality and risk management.

Qualifications

• H.S. Diploma or GED required.
• AA degree or some college preferred.

Responsibilities

• Manage end-to-end consumer loan processing from application to funding.
• Ensure accuracy, timeliness, and regulatory compliance in all loan files.
• Maintain proactive communication with members and internal teams to drive timely outcomes.
• Perform quality control reviews, verify documentation, and clear conditions for funding.

Education

GED

AA degree

Job description

Job Description

Posted Monday, August 24, 2026 at 10:00 AM

Job Title: Direct Loan Processor II
Status: Non-exempt
Reports to: Supervisor - Direct Loan Processing
Department: Consumer Direct Lending Ops
Job Code: 11219
Pay Range: $23.09 - $27.00 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 independently manage the full lifecycle of consumer loan processing from application through funding, ensuring accuracy, timeliness, and compliance while delivering a strong member experience. You are a detail-oriented, dependable lending professional with strong judgment and communication skills, known for managing a high-volume pipeline, resolving complex issues, and maintaining high standards of quality and compliance. You take ownership of your work by proactively managing loan files, collaborating across teams, identifying risks or exceptions, and using critical thinking to drive solutions that support efficient processing and positive outcomes for members and partners.

WHAT YOU'LL DO

• Maintain and apply a thorough working knowledge of state and federal laws, regulations, and internal policies related to consumer lending and credit union compliance, including BSA/AML, OFAC, privacy requirements, and fraud/identity theft prevention practices relevant to the role.
• Manage a high volume of inbound and outbound loan-related calls and messages while simultaneously progressing multiple loan applications; prioritize workload to meet established service levels, accuracy targets, and funding timelines.
• Independently manage an active pipeline/portfolio of approximately 40–50 applications at any time (typically 75%+ vehicle-secured), ensuring proactive follow-up, timely condition clearing, accurate documentation, and end-to-end ownership through funding.
• Perform quality control reviews to support loan funding and operational audits, ensuring files meet documentation standards, lien perfection requirements, and regulatory/policy guidelines; identify exceptions, and drive corrective action to mitigate risk.
• Collect, analyze, and validate relevant financial and identity documentation (e.g., proof of income, stipulations, insurance, title/registration) to satisfy loan conditions; maintain effective member relationships by setting expectations and providing clear status updates.
• Participate in all department functions to help achieve objectives.
• 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 credit union's lien on loan collateral.
• Collaborate with peers across different departments to carry out key steps in the loan application process.
• Conduct supportive tasks including email correspondence, answering emails and TEAM chat queries, conducting consumer loan fulfillment audits, providing assistance on escalated calls and branch emails.
• Identify, investigate, and mitigate potential fraud, suspicious activity, and identity theft by recognizing red flags, validating documentation, applying due diligence standards, and escalating/referring cases in accordance with established procedures.
• Apply critical thinking and continuous-improvement practices to reduce errors, streamline processing steps, and improve member and employee experience; recommend process enhancements and share best practices with peers.
• 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 approved communication channels 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.

QUALIFICATIONS AND PREFERENCES

• H.S. Diploma or General Education Degree (GED) required
• , AA degree or some college preferred
• 4+ years experience in a fast-paced lending or work environment with high loan processing volume with demonstrated ability to independently manage complex loan files, resolve escalations, and consistently meet quality, compliance, and productivity standards in a high-volume environment. required

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.