Dealer Registration Specialist (Remote)

Pay Range: $28.00 - $35.00 Hourly

Location: Remote (Must Reside in California)

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. You are an advanced indirect lending professional who combines strong processing and funding expertise with careful quality review, sound risk judgment, and a sense of urgency. The Indirect Funding Specialist performs the full range of advanced indirect processing and fulfillment activities and adds specialized ownership for pre-funding review, dealer and third-party disbursement, booking validation, exception resolution, reconciliation, and funding quality across assigned indirect lending products and programs.

Advanced Indirect Application Processing and Funding Readiness * Perform the full range of advanced indirect processing functions, including application review, stipulation validation, document review, collateral verification, complex troubleshooting, escalation support, and fulfillment coordination. * Review indirect vehicle loan packages submitted through dealerships, refinance partners, and approved third-party channels for completeness, accuracy, approval alignment, and funding readiness. * Validate membership information, applicant data, collateral, title and registration details, trade information, insurance, payoff documentation, approved terms, and required supporting documents. * Final Audit, Contract, and Compliance Review * Perform the final quality and control review before funds are released, ensuring the contract and loan file align with the approved credit decision and established program requirements. * Validate contract amount, rate, term, payment, loan and first-payment dates, vehicle information, approved products, fees, add-on products, and required disclosures. * Confirm dealer identifiers, reserve structures, and transaction data are accurate and supported; Identify defects, inconsistencies, duplicate activity, incomplete documentation, potential fraud indicators, compliance concerns, or conditions outside assigned authority and resolve or escalate them before funding. * Maintain clear funding notes and audit evidence sufficient to support quality assurance, reconciliation, regulatory review, and operational accountability.

Validate payees, proceeds, fees, reserves, general-ledger allocations, payoff amounts, and disbursement totals before completing the transaction. * Complete required funding questions, booking fields, and system validations, and confirm that the amount remaining is fully reconciled before disbursement. * Prioritize funding-ready and time-sensitive transactions according to established business priorities while maintaining required quality and control standards. * Confirm successful booking and disbursement and research or correct post-funding discrepancies in partnership with the appropriate operational teams.

Funding Exceptions, Reconciliation, and Escalation Resolution * Research and resolve complex funding exceptions, documentation deficiencies, contract discrepancies, system issues, failed or duplicate disbursements, booking errors, reserve discrepancies, and reconciliation items. * Coordinate corrective action with Processing, Underwriting, Dealer Services leadership, Loan Servicing, Accounting, Fraud Prevention, Compliance, Enterprise Applications, and approved third-party providers. * Manage returned or reworked transactions carefully to prevent duplicate funding activity, unsupported manual payments, or unresolved ledger items. * Escalate policy exceptions, suspected fraud, material compliance concerns, complaints, or financial and operational risks outside assigned authority.

Dealer, Partner, and Internal Operational Support * Serve as a subject matter expert for indirect funding requirements, contract standards, collateral documentation, disbursement, booking, and reconciliation controls. * Support resolution of urgent dealer and member-impacting funding matters while protecting required controls and approval boundaries. * Help reduce avoidable rework and delays by identifying recurring package defects and reinforcing clear submission and documentation expectations.

Quality, Reporting, and Continuous Improvement * Monitor assigned funding queues, aging, exceptions, and unresolved items and communicate risks that may affect service commitments or financial accuracy. * Support daily and periodic reconciliation activities, funding reports, missing-reserve research, post-funding reviews, and other control reporting as assigned. * Analyze recurring defects, exceptions, and partner questions and recommend improvements to procedures, job aids, training, automation, and workflow design. * Participate in user acceptance testing, system upgrades, implementation of new indirect lending products or partnerships, and validation of funding and booking changes. * Mentor and cross-train processors and peers on funding readiness, common defects, contract review, documentation standards, exception prevention, and corrective actions. * Complete required regulatory training and perform other duties as assigned.

Associate’s Degree in business, finance, accounting, or a related field preferred

• 5+ years of related indirect lending, dealer services, consumer loan processing, funding, financial services, or regulated operations experience preferred
• • Demonstrated experience with indirect vehicle loan contracts, collateral documentation, final audit, funding execution, booking, reconciliation, exception resolution, and operational controls required

Golden 1 Credit Union provides its employees a market-competitive and internally equitable total rewards compensation package through a variety of programs. The Credit Union is committed a total rewards philosophy built on; a comprehensive compensation package, well-being and work-life balance, career development and growth, rewards and recognition, and a commitment to Diversity, Equity and Inclusion. Because the nature of positions and job functions can change over time, this job description is not designed to contain or be interpreted as a comprehensive inventory of all essential functions, duties, responsibilities and qualifications requirements of team members assigned to this job. Job duties may be changed or modified in the Credit Union’s discretion. The Credit Union will keep team members updated on key functions, duties, and requirements of their position by communications from the Credit Union and by updating the job description from time to time. Please note that, as an NCUA-insured financial institution, all selected candidates must satisfy the background screening requirements of the Federal Credit Union Act, which restricts employment of individuals with certain convictions.