Dealer Services Ops - Prcsng - Indirect Loan Processor II (Remote in CA only)

Job Details

• Status: Non-exempt
• Reports to: Mgr - Processing and Fulfillment
• Department: Dealer Services Ops - Processing
• Job Code: 11221
• Pay Range: $23.09 - $27.00
• Location: Remote in CA only

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 end-to-end processing of indirect auto loan applications, ensuring files are accurate, complete, and compliant while driving timely funding and a strong dealer and member experience. You are a skilled and reliable lending professional with advanced knowledge of indirect loan processing, known for handling complex scenarios, resolving exceptions, and maintaining high standards of quality, accuracy, and risk awareness. You take ownership of complex loan files and escalations by collaborating with dealers and internal partners, identifying risks and patterns, and contributing to continuous improvement efforts that strengthen processes, reduce rework, and enhance operational performance.

What You'll Do

• Maintain an advanced, current understanding of applicable state and federal laws/regulations and internal requirements (including BSA/AML, CIP/OFAC, and related compliance obligations); apply them consistently; and serve as a resource to teammates.
• Manage a high volume of loan-related communications (inbound/outbound calls, emails, and internal messages) while progressing multiple applications in parallel.
• Accountable for meeting established quality assurance standards and performance metrics by completing work accurately the first time.
• Identify root causes of dealer/member or operational issues, recommend practical solutions, and lead or support continuous improvement efforts.
• Deliver consistent, high-quality service to dealers, members, and internal partners by actively listening, confirming needs, and following through on commitments.
• Review and analyze application data and supporting documentation to ensure consistency, completeness, and compliance; independently clear complex stipulations/conditions.
• Obtain, validate, and track required Department of Motor Vehicles (DMV) documentation to ensure lien perfection.
• Partner with peers and cross-functional teams to resolve escalations, clear complex conditions, and coordinate efficient handoffs.
• Perform advanced post-preparation quality control by auditing executed loan documents and operational reports.
• Maintain expert working knowledge of Golden 1 lending policies, procedures, and systems.
• Provide operational support through professional email and Teams chat correspondence.
• Identify and assess red flags and mitigate potential fraud, suspicious activity, and identity theft.
• Conduct member interviews as needed; perform financial calculations and proof-of-income analysis.
• Prepare and quality-check loan documents for member signature.
• Use sound judgment and critical thinking to independently resolve non-routine exceptions within established authority.
• Manage shared work queues by monitoring for new requests, prioritizing by funding deadlines, complexity, and risk.
• Participate effectively in video conferencing, trainings, and team meetings.
• Perform other related duties as assigned.

Qualifications and Preferences

• H.S. Diploma or General Education Degree (GED) or equivalent required.
• Associate's Degree or some college preferred.
• 4 years 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.

View the full job description here

Disclaimer

Pursuant to the San Francisco Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction records.

#LI-Remote