Remote Direct Loan Processor I – California

Golden-1-Credit-Union; Manlove (CA); Remote; USD 30,000 - 33,000; Full time

Job summary

Golden 1 Credit Union is seeking a Direct Loan Processor I to handle end-to-end consumer loan processing in a remote-capable role, residing in California. You will ensure accuracy, compliance, and timely delivery of loan decisions while delivering excellent member service.

Join a dynamic Consumer Direct Lending Operations team and collaborate across departments to verify documents, assess income, and prepare loan paperwork for funding, while maintaining strong regulatory adherence.

Qualifications

• H.S. Diploma or 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 a thorough understanding of state and federal laws and regulations related to credit union compliance including bank secrecy and anti-money laundering laws appropriate to the position.
• Manage a high volume of inbound and outbound loan-related calls effectively and simultaneously manage 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 Department of Motor Vehicles (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

Attention to detail

Customer service

Team collaboration

Problem solving

Adaptability

Education

High school diploma or GED

Some college

Job description

Golden 1 Credit Union is seeking a Direct Loan Processor I to handle end-to-end consumer loan processing in a remote-capable role, residing in California. You will ensure accuracy, compliance, and timely delivery of loan decisions while delivering excellent member service.

Join a dynamic Consumer Direct Lending Operations team and collaborate across departments to verify documents, assess income, and prepare loan paperwork for funding, while maintaining strong regulatory adherence.