Dealer Services Ops - Prcsng - Indirect Loan Processor I (Full-Time)

Indirect Loan Processor I

You balance speed and accuracy while managing multiple loan applications and time-sensitive funding requirements in a high-volume environment. You are a dependable contributor who uses sound judgment to interpret information, support loan fulfillment activities, and provide clear guidance to dealers, members, and internal teams. You contribute to team success by communicating effectively, supporting workflow coordination, and identifying opportunities to improve processes and reduce errors.

Maintain a working and up-to-date understanding of applicable state and federal laws/regulations and internal requirements (including BSA/AML, CIP/OFAC, and related compliance obligations) and apply them consistently throughout the loan fulfillment and funding process.

Manage a high volume of loan-related communications (inbound/outbound calls, emails, and internal messages) while progressing multiple applications in parallel; triage time-sensitive funding items, set expectations with partners, document actions taken, and meet service level and turnaround-time requirements.

Accountable for meeting established quality assurance standards and performance metrics by completing work accurately the first time, following required checklists/controls, meeting productivity and timeliness targets, and promptly correcting errors or rework trends identified through quality reviews or audits.

Identify root causes of member or operational issues, recommend practical solutions, and contribute to continuous improvement efforts (job aids, knowledge sharing, and workflow enhancements) to improve team performance and consistency.

Deliver consistent, high-quality service to dealers, members, and internal partners by actively listening, confirming needs, explaining next steps in plain language, setting realistic timelines, and following through on commitments. Support escalations and time-sensitive funding issues by using appropriate urgency, keeping stakeholders informed, and documenting outcomes.

Review and analyze application data and supporting documentation to ensure consistency and completeness (e.g., applicant information, stipulations/conditions, collateral details, insurance/registration requirements as applicable); perform required research and validations; complete required system updates with strong attention to audit readiness and record retention standards.

Obtain, validate, and track required Department of Motor Vehicles (DMV) documentation, when needed, to ensure lien perfection and proper recording of the credit union's interest in collateral.

Partner with peers and cross-functional teams (e.g., branches, Member Service, Vehicle Services, and back-office areas) to resolve exceptions, clear conditions, and complete required steps to move loans efficiently to funding.

Perform post-preparation quality control by auditing executed loan documents and operational reports to verify signatures, dates, required disclosures, document indexing/filing, and procedural compliance. Identify and resolve discrepancies within authority, initiate corrections (e.g., missing/incorrect documents), and escalate exceptions and potential risk concerns to mitigate loss and regulatory exposure.

Maintain strong working knowledge of Golden 1 lending policies, procedures, and systems to ensure consistent decisioning support, accurate document preparation, and compliant loan fulfillment.

Provide operational support through professional email and Teams chat correspondence; respond to dealership and Dealer Relationship Manager inquiries; assist with escalated calls and time-sensitive funding issues; and complete audits as assigned.

Identify red flags and mitigate potential fraud, suspicious activity, and identity theft by following established controls, documenting findings, and escalating concerns in accordance with policy.

Conduct member interviews; perform required financial calculations and proof-of-income analysis; obtain and validate information needed to satisfy loan conditions; and confirm readiness for funding in accordance with credit union requirements.

Prepare and quality-check loan documents for member signature; monitor receipt of executed documents; and coordinate approved loans for disbursement.

Use sound judgment and critical thinking to resolve routine exceptions, recognize when to escalate, and continuously strengthen product and process knowledge to support team effectiveness.

Manage shared work queues (e.g., Outlook email and Teams chat) by monitoring for new requests, prioritizing by funding deadlines and risk, and coordinating real-time handoffs with teammates to prevent delays, reduce rework, and maintain clear documentation of actions taken.

Participate effectively in video conferencing, trainings, and team meetings; communicate status, risks, and handoffs clearly in a virtual and/or hybrid work environment.

Perform other related duties as assigned, consistent with the scope of the role.

Qualifications and preferences:

H.S. Diploma or General Education Degree (GED) or equivalent required

1+ years experience in a fast-paced lending environment or customer service centric work environment with high volume, handling complex situations with direct consumer contact. required

Consumer loan processing experience is a plus preferred

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