Indirect Loan Processor II

🔥 5 minutes ago

🏄 California – Remote

🏄 California – Remote

💵 $23 - $27 / hour

⏰ Full Time

🟡 Mid-level

🟠 Senior

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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

• Maintain current knowledge of applicable state and federal laws, regulations, and internal requirements, including BSA/AML, CIP, and OFAC. • Process a high volume of indirect auto loan applications and communications while prioritizing complex files and escalations. • Meet quality assurance, productivity, timeliness, service-level, and turnaround-time standards. • Analyze quality results and rework trends, identify root causes, and recommend corrective actions. • Lead or support continuous improvement efforts, including job aids, knowledge sharing, workflow enhancements, and control refinements. • Deliver service to dealers, members, and internal partners and own escalations through timely resolution. • Review application data and documentation, clear complex stipulations, resolve exceptions, perform validations, and update systems accurately. • Obtain, validate, and track DMV documentation to support lien perfection and proper collateral recording. • Partner with branches, Member Service, Vehicle Services, Dealer Relationship Managers, and back-office teams to resolve escalations and coordinate handoffs. • Audit executed loan documents and operational reports for signatures, dates, disclosures, indexing, filing, and procedural compliance. • Provide guidance on lending policies, procedures, systems, policy interpretation, and documentation standards. • Support email, Teams chat, escalated calls, audits, targeted reviews, onboarding, and training. • Identify and mitigate fraud, suspicious activity, and identity theft risks and escalate findings appropriately. • Conduct member interviews, perform financial calculations and proof-of-income analyses, validate loan conditions, and confirm funding readiness. • Prepare and quality-check loan documents, monitor executed documents, clear conditions, and coordinate approved loans for disbursement. • Resolve non-routine exceptions, determine escalation paths, and balance compliance, risk mitigation, and funding timeliness. • Manage shared work queues and provide triage and prioritization support during peak volumes. • Participate in video conferences, trainings, meetings, huddles, and peer knowledge-transfer activities. • Perform other related duties as assigned.

🎯 Requirements

• High school diploma or General Education Degree (GED) or equivalent required • Associate’s Degree or some college preferred • 4+ years in a fast-paced lending or high-volume loan-processing work environment required • Demonstrated ability to independently manage complex loan files and resolve escalations • Ability to consistently meet quality, compliance, productivity, service-level, and turnaround-time standards • Advanced knowledge of indirect loan processing • Current knowledge of applicable state and federal laws, regulations, BSA/AML, CIP, OFAC, and internal requirements • Knowledge of lending policies, procedures, and systems • Ability to review application data and supporting documentation for consistency, completeness, and compliance • Ability to clear complex stipulations and resolve contract, payoff, proof-of-income, insurance, registration, and title exceptions • Knowledge of DMV documentation, lien perfection, out-of-state titles, dealer payoffs, lien releases, registration holds, and corrections • Ability to perform financial calculations, proof-of-income analysis, member interviews, research, and validations • Ability to identify fraud, suspicious activity, identity theft, red flags, and potential loss exposure • Ability to use Outlook email and Microsoft Teams chat and participate effectively in virtual work environments • Sound judgment, critical thinking, escalation, documentation, and risk-mitigation abilities

🏖️ Benefits

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