Direct Loan Processor II

🔥 1 minute ago

🏄 California – Remote

🏄 California – Remote

💵 $23 - $27 / hour

⏰ Full Time

🟡 Mid-level

🟠 Senior

👻 Ghost score 0%

What it means: how likely this posting is sitting open without active hiring.How to read it: 60% or higher means we think this is a ghost. Lower scores are less of a worry.How we score it: age, reposts, open roles vs team size, how fast jobs close, and whether pay is listed.Fine print: an estimate from public data, not a judgment of the company. Real jobs can score high, so treat it as a hint, not a fact.

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Golden 1 Credit Union

WebsiteLinkedInAll Job Openings

1001 - 5000 employees

Founded 1933

🏦 Banking

💸 Finance

Banking • Finance

Golden 1 Credit Union is a member-owned credit union headquartered in Sacramento, California. It provides retail and business banking and a wide range of consumer financial services, including multiple checking and savings options, term certificates and IRAs, mortgages and home equity products, auto and personal loans, credit cards, investing and wealth services, and insurance and protection options. The credit union emphasizes online and mobile banking tools, member rewards and cashback programs, financial education, community grants and scholarships, and partnerships (for example with the Golden 1 Center/Sacramento Kings).

📋 Description

• Manage the full lifecycle of consumer loan processing from application through funding • Maintain knowledge of consumer lending laws, regulations, internal policies, BSA/AML, OFAC, privacy, and fraud-prevention requirements • Manage inbound and outbound loan-related calls and messages while progressing multiple applications • Independently manage an active pipeline of approximately 40–50 applications, typically 75%+ vehicle-secured • Perform proactive follow-up, condition clearing, documentation, and end-to-end ownership through funding • Conduct quality control reviews for loan funding and operational audits • Ensure documentation standards, lien perfection requirements, and regulatory and policy guidelines are met • Identify exceptions and drive corrective action to mitigate risk • Collect, analyze, and validate proof of income, stipulations, insurance, title, registration, and identity documentation • Set member expectations and provide clear status updates • Analyze data, research, collect documentation, and prepare loan documents • Obtain and verify DMV documentation to record the credit union’s lien on collateral • Collaborate with peers and other departments throughout the loan application process • Handle email correspondence, TEAM chat queries, consumer loan fulfillment audits, escalated calls, and branch emails • Identify, investigate, and mitigate potential fraud, suspicious activity, and identity theft • Apply critical thinking and continuous-improvement practices to reduce errors and streamline processing • Recommend process enhancements and share best practices • Participate in video conferences and online meetings • Follow up on member inquiries and concerns via approved communication channels • Provide exceptional customer service to Golden 1 members, dealerships, and outside finance companies • Perform other tasks as assigned

🎯 Requirements

• 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 • Demonstrated ability to independently manage complex loan files • Ability to resolve escalations and consistently meet quality, compliance, and productivity standards in a high-volume environment • Thorough working knowledge of state and federal laws, regulations, and internal policies related to consumer lending and credit union compliance • Knowledge of BSA/AML, OFAC, privacy requirements, and fraud/identity theft prevention practices • Ability to manage a high-volume pipeline of approximately 40–50 applications • Ability to collect, analyze, and validate financial and identity documentation • Ability to obtain and verify DMV documentation and properly record liens • Effective oral and written communication skills • Professional grammar and tone in approved communication channels • Ability to participate in video conferencing and online meetings in a virtual office culture • Ability to provide exceptional customer service to members, dealerships, and outside finance companies

🏖️ Benefits

• Comprehensive compensation package • Well-being and work-life balance programs • Career development and growth • Rewards and recognition • Commitment to Diversity, Equity and Inclusion