Golden 1 Credit Union

Systems Engineer

• Engaging with various business units to translate complex business needs into quality software solutions
• Assisting in the design, development, and implementation of identified solutions following Agile Software development practices.
• Oversight of all aspects of the Software Development Lifecycle for enterprise-wide software solutions.
• Reviewing, analyzing, and creating detailed documentation of business unit needs, including workflow, program functions, and steps required to implement technical business processes.
• Driving efficient and effective joint business/IT requirements and solution discussions.
• Providing high-quality analytical system solutions for key stakeholders.
• Proactively identifying software functional gaps and opportunities for improvement.
• Collaborating with product owners to create product backlog by using Agile practices.
• Leading or participating with the implementation of complex projects as technical subject matter expert from beginning to completion.
• Providing Tier 3 application support to uphold day-to-day business line operations, including resolution of all internal tickets for Enterprise-wide managed software solutions.
• Keeping application users regularly informed on progress and resolution for all application issues reported and aligning with internal service level agreements using clear and proactive communication.

Senior Business Systems Analyst – Digital Platform Ops

• The Senior Business Systems Analyst is responsible for translating business data needs into data warehousing and reporting solutions through close collaboration with business teams to identify business requirements enabling data driven decision making throughout the enterprise.
• This role covers all aspects of the Software Development Lifecycle with respect to data warehousing and reporting solutions. Requirements analysis, report content identification and report functionality analysis, SDLC documentation, and other recommend designs/solutions will be necessary to meet business or other requirements.
• Determine and recommend reporting enhancements or improvements for existing as well as new processes through the use of enterprise business intelligence tools to enhance the analysis capability or operational efficiency of various business units within the organization. This includes working across business areas, applications, data domains and technologies.
• Document business requirements (BRDs) and functional design specifications (FRDs) for conversions, interfaces and reports.
• Drive efficient and effective joint business/IT requirements and solution discussions in addition to stakeholder review meetings.
• Identify functional gaps and opportunities of improvement.
• Coordinate and drive issue resolution with cross-functional teams during the design and development process.
• Work closely with users to define and document use cases, scenarios and test scripts.
• Prepare and execute test plans to ensure solution/design meet business requirements.
• Create documentation for processes, training and operational support.

Senior Business Systems Analyst – IT, Enterprise Platforms Servicing Applications

Advisor

• Proactively solicit new residential mortgage loans to meet established loan quality and production goals.
• Develop and maintain a strong network of business relationships to ensure a recurring source for mortgage loan referrals.
• Originate mortgage loans from self-sourced business and personal relationships by maintaining exceptional service levels and administering a lead management system.
• Discuss mortgage product options via phone, email or in person with prospective and current borrowers.
• Assist the member with an appropriate product selection, lock request and provide applicable disclosures as required by law.
• Maintain a thorough understanding of state and federal laws and regulations related to credit union compliance.
• Manage mortgage loan pipeline closely to ensure loans are attended to promptly, efficiently and accurately.
• Oversee the loan process from origination to close and provide on-going communication to applicants.
• Work closely with the mortgage resource center and operations staff to ensure the mortgage loan is being moved along in accordance with the credit union standards.

Home Loan Advisor – External Production

• Engaging with various business units to translate business needs into software solutions
• Assisting in the design, development, and implementation of identified solutions following Agile practices
• Providing high-quality analytical system solutions for key stakeholders
• Identifying software functional gaps and opportunities for improvement
• Collaborating with product owners to create product backlog using Agile practices
• Creating user stories with relevant acceptance criteria
• Participating in scrum events such as daily scrums and sprint planning
• Supporting Agile practices and encouraging the improvement of service
• Providing Tier 2 application support to uphold day-to-day business line operations
• Managing administrative functions such as customizations of forms, fields, and reports

Business Systems Analyst II – Automation and Workflow Engineering

Collections

• Communicates and interacts with members for the prompt resolution of delinquent and negative accounts.
• Educate members to promote account retention and minimize non-performing asset accounts.
• Place and receive a high volume of inbound and outbound calls.
• Identify, investigate, and resolve delinquent and negative account activity.
• Accept incoming telephone inquiries for the resolution of delinquent accounts from members and staff.
• Initiate skip tracing techniques to locate credit unions collateral.
• Maintain a thorough understanding of state and federal laws and regulations related to credit union compliance.
• Research and respond to inquiries from branches, members, and other departments.
• Perform investigations to locate members with delinquent and negative accounts.
• Engage with members and consumers to identify and uncover needs and provide solutions.

Member Care Rep II – Collections and Loss Mitigation

• Engaging with various business units to translate business needs into quality software solutions.
• Assisting in the design, development, and implementation of identified solutions following Agile Software development practices.
• Operational support for all managed enterprise-wide software solutions.
• Collaborating with software vendors and business units to maximize opportunities.
• Overseeing all aspects of the Software Development Lifecycle for enterprise-wide software solutions.
• Driving joint business/IT requirements and solution discussions.
• Providing high-quality analytical system solutions for key stakeholders.
• Identifying software functional gaps and opportunities for improvement.
• Creating product backlog by using Agile practices.
• Participating with the implementation of projects as technical subject matter expert.
• Supporting Agile practices and encouraging the improvement of service.
• Designing, creating, and documenting process flows, specifications, diagrams, mockups, etc.
• Providing Tier 2 application support to uphold day-to-day business line operations.
• Troubleshooting issues and assisting in triage.

Business Systems Analyst I – Digital Platform Ops

DevOps Engineer

• Independently lead infrastructure-as-code development using Terraform and scripting languages such as Python and PowerShell to support scalable and reliable deployments.
• Manage Linux/Kubernetes cluster environments.
• Deploy solutions in accordance with Change Management Processes.
• Support development teams on API integration strategy and standards development.
• Ensure systems are secure against cybersecurity threats.
• Identify technical problems and develop software updates and fixes.
• Strong Splunk skills for administration, query optimization, alerting, and dashboard development.
• Build tools to reduce errors and improve customer experience.
• Propose ideas and solutions within the Infrastructure Department to reduce workload through automation.
• Design, implement, and optimize CI/CD pipelines for faster and more reliable software releases.
• Independently conduct root cause analysis and implement corrective actions.
• Design and write tests to investigate infrastructure failure and scaling.
• Create and maintain response playbooks across incident management and monitoring tools.
• Develop automation to ensure repeatability, eliminate toil, and reduce time to action and repair services.
• Analyze key operational metrics to identify opportunities to improve availability.
• Implement effective monitoring, alerting, and reduction of alert fatigue.
• Manage container orchestration environments and optimize deployment workflows to enhance scalability, reliability, and operational efficiency.
• Design, build, and manage containerized environments using Docker.
• Create and maintain SLIs, SLOs, and error budgets.
• Design and optimize monitoring dashboards and alerting systems to proactively detect and address application performance and uptime issues.
• Implement code branching strategies using GitHub functions.
• Advanced Terraform syntax and GitLab CI/CD configuration, pipelines, jobs.
• Provisioning and setting up metrics in Prometheus, Thanos, and Grafana, creating and managing alerts.
• Implement cloud engineering standards, reusable modules, and platform patterns in Microsoft Azure.
• Operate shared cloud platform services according to Cloud Engineering defined architectures.
• Ensure infrastructure changes comply with reliability, security, and cost controls established by Cloud Engineering.
• Maintain operational documentation and runbooks for cloud platform services.

DevOps Engineer II – IT Infrastructure Systems

Loan Processor

• Acts as a primary point of contact for dealership partners and borrowers, communicating via phone and email to resolve issues, clarify requirements, and ensure a positive funding experience.
• Acts as a step-down leader when management is unavailable, supporting daily workflow management, issue escalation, and team communication.
• Manages a high-volume pipeline of indirect loans, prioritizing workload to meet strict turnaround times and service level expectations.
• Provides guidance, coaching, and informal training to junior or less experienced processors.
• Serves as an escalation point for complex loan scenarios, dealer issues, or policy interpretation.
• Supports leadership by assisting with the review, maintenance, and accuracy of job aids, procedures, and operational guidelines, including incorporating policy/process updates and clarifications identified through day-to-day exceptions and escalations.
• Actively supports the team by responding to questions and providing real-time guidance through internal chat channels, and assists team members with complex loan scenarios, documentation discrepancies, and procedural interpretation to ensure accuracy, compliance, and timely funding.
• Develops and distributes monthly team newsletters to communicate updates related to policy changes, process enhancements, system updates, performance trends, and best practices.
• Proactively provides actionable feedback and recommendations to leadership aimed at enhancing efficiency, quality, compliance, and the overall team and dealer experience, including identifying recurring exceptions and opportunities to reduce rework.
• Identifies trends, recurring issues, and improvement opportunities through day-to-day operations and collaboration with cross-functional partners to support operational effectiveness and member satisfaction.
• Works closely with internal teams (Dealer Services Underwriting, Compliance, Risk, Fraud, Membership, Dealer Relationship Managers, and Operations leaders) to ensure dealership and member needs are met.
• 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 by interpreting requirements and reinforcing controls throughout the funding process.
• 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. Analyze quality results and rework trends to identify root causes, recommend corrective actions, and reinforce best practices with peers.
• Identify root causes of dealer/member or operational issues (including recurring documentation defects and funding delays), recommend practical solutions, and lead or support continuous improvement efforts (job aids, knowledge sharing, workflow enhancements, and control refinements) to improve team consistency and throughput.
• 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. Own escalations and time-sensitive funding issues by coordinating stakeholders, de-escalating concerns, documenting outcomes, and ensuring timely closure.
• Review and analyze application data and supporting documentation to ensure consistency, completeness, and compliance; independently clear complex stipulations/conditions; and resolve documentation exceptions (e.g., contract discrepancies, payoff variances, proof-of-income anomalies, insurance/registration requirements). Perform required research and validations and complete accurate system updates with a focus on 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; provide guidance on complex title scenarios (e.g., out-of-state titles, dealer payoffs, lien releases, registration holds, and corrections).
• Partner with peers and cross-functional teams (e.g., branches, Member Service, Vehicle Services, Dealer Relationship Managers, and back-office areas) to resolve escalations, clear complex conditions, and coordinate efficient handoffs that prevent delays and reduce rework. Act as a point of contact for higher-complexity files and assist with training and knowledge transfer as needed.
• Perform advanced post-preparation quality control by auditing executed loan documents and operational reports to verify signatures, dates, required disclosures, document indexing/filing, and procedural compliance. Lead remediation on identified discrepancies (e.g., documentation corrections and dealer follow-up), document resolution, and escalate material exceptions, control breakdowns, or potential loss exposure in accordance with guidelines.
• Maintain expert working knowledge of Golden 1 lending policies, procedures, and systems; apply them to complex scenarios to support consistent decisioning support, accurate document preparation, and compliant loan fulfillment. Provide guidance to teammates on policy interpretation and documentation standards within established parameters.
• Provide operational support through professional email and Teams chat correspondence; respond to dealership and Dealer Relationship Manager inquiries; serve as a resource for escalated calls and time-sensitive funding issues; and complete audits or targeted reviews as assigned. Assist with onboarding/training support by sharing best practices and answering procedure questions.
• Identify and assess red flags and mitigate potential fraud, suspicious activity, and identity theft by applying established controls and enhanced scrutiny for higher-risk scenarios; document findings thoroughly; and lead timely escalation and coordination with appropriate partners in accordance with policy.
• Conduct member interviews as needed; perform financial calculations and proof-of-income analysis (including more complex income types and stipulations); obtain and validate information required to satisfy loan conditions; and confirm readiness for funding in accordance with credit union requirements. Provide coaching/feedback to peers on documentation quality and stipulation clearing approaches.
• Prepare and quality-check loan documents for member signature; ensure complex documentation packages are complete and compliant; monitor receipt of executed documents; clear outstanding conditions; and coordinate approved loans for disbursement while ensuring file completeness and audit readiness. Resolve document defects and coordinate corrections with dealers and internal partners.
• Use sound judgment and critical thinking to independently resolve non-routine exceptions within established authority, determine appropriate escalation paths for policy or risk issues, and drive solutions that balance compliance, risk mitigation, and funding timeliness. Model best practices and support team capability through knowledge sharing.
• Manage shared work queues (e.g., Outlook email and Teams chat) by monitoring for new requests, prioritizing by funding deadlines, complexity, and risk, responding within established service levels, and coordinating real-time handoffs with teammates to prevent delays and reduce rework. Provide triage support and guidance on prioritization for the team during peak volumes or time-sensitive funding events.
• Participate effectively in video conferencing, trainings, and team meetings; communicate status, risks, and handoffs clearly in a virtual and/or hybrid work environment; and share expertise through knowledge transfer, peer coaching, and participation in huddles or targeted training sessions as needed.
• Perform other related duties as assigned, consistent with the scope of the role.

Indirect Loan Processor III

Analyst

• Responsible for performing risk analysis for complex secured and unsecured consumer loans.
• Review, analyze, and evaluate consumer loan applications.
• Approve, modify or deny applications consistent with credit union guidelines.
• Document and communicate the reasoning for loan decisions.
• Maintain and strengthen relationships with members, internal and external originators.
• Mentor less senior analysts and assist in complex credit decisions.
• Maintain understanding of underwriting standards, risk philosophy, credit culture and market conditions.
• Ensure transaction is accurate, complete and compliant.
• Analyze credit history and financial statements to determine repayment ability.
• Apply fraud detection and prevention techniques.
• Address and resolve all complaints or issues raised by members, internal staff and business partners.
• Gather information, perform analysis, and prepare reports as directed by management.
• Assist with training originators regarding lending policies, process or procedures.

Consumer Credit Analyst – Level III

• Organize, and execute processes related to 1st mortgage and equity loans.
• Effectively manage a pipeline of mixed product types including: conventional, FHA and jumbo products, purchase and refinance transactions.
• Partner with internal and external Home Loan Advisors to ensure accurate, efficient and timely loan processing.
• Coordinate and communicate information with Members, Home Loan Advisors, and Vendors for loan transaction as it relates to loan processing.
• Coordinate the ordering of title reports, flood certificates, FHA case numbers, and follow up on appraisal orders.
• Review all documentation received for accuracy and determine if additional research or documentation is required.
• Maintain a thorough understanding of state and federal laws and regulations related to credit union compliance including BSA, RESPA, TILA, TRID and AML laws appropriate to the position.
• Review and calculate income, including tax returns, and funds verification from documentation received in accordance with investor guidelines.

Senior Home Loan Processor

Loan Officer

• The Senior Commercial Loan Officer is responsible for executing the Credit Union’s strategic priorities and objectives related to commercial real estate loan products.
• Responsible for developing and building relationships with commercial loan brokers, economic development programs, and California businesses, providing a variety of commercial real estate loan and deposit products and services based on the members' needs.
• Collaborates with other business units and serves as a commercial real estate lending expert for the credit union.
• Monitors and controls loan data by ensuring data is accurately booked against documentation.
• Manage, grow and execute business development activities and maintain pipeline statistics surrounding these activities.
• Individually generate annual commercial real estate loan production as agreed by management.
• Develop, implement, and maintain effective production strategies that enhance Golden 1 Business Services market position to help the credit union achieve budgeted business services production goals.
• Mentor and lead business loan officers and support team in the loan processes and member service best practices.
• Ensure effective delivery of exceptional member service, loan quality, and loan retention by building relationships with California businesses that exceed the alternatives in the marketplace.

Senior Commercial Loan Officer, Sacramento Region

• Support the end-to-end processing of consumer loan applications
• Ensure work is completed accurately and in compliance
• Manage a high volume of inbound and outbound loan-related calls
• Continuously develop to solve problems and improve department performance
• Foster a positive work environment
• Analyze data and prepare loan documents accurately
• Collaborate with peers across different departments

Direct Loan Processor I

Software Engineer

• The Web Applications Programmer is responsible for the programming and implementation of user interface, web service, and database applications for the external facing web site, employee Intranet and components that integrate third-party systems with our web applications and host system.
• Design, program and implement solutions programmed in .NET with attention to user experience and cross-browser support on both new and existing software projects.
• Research, analyze, design, document, create test plans and prototype enterprise web applications and solutions that integrate with third-party systems.
• Analyze, program, troubleshoot, debug, and implement enterprise web interface components using HTML, XHTML, XML, XSLT, JavaScript, ASP.NET, Visual C#.NET, SOAP, REST,jQuery, CSS, AJAX, JSON, and SQL.
• Assist in managing all web programming including integration of approved content on the site, file management and site maintenance, database management, archiving, and record management.
• Maintain a thorough understanding of state and federal laws and regulations related to credit union compliance including bank secrecy and anti-money laundering laws appropriate to the position.
• Work with other members of the Web Applications and IT Programming teams to program enterprise wide applications and integrate them with third-party systems.
• Responsible for interface programming and implementation and integration of web applications with backend databases.
• Responsible for quality assurance of all e applications, including unit testing and source code control for versioning and lifecycle management.
• Maintain knowledge of industry best practices, security standards and current technologies with regard to web programming, applying to all programming efforts.
• Provide guidance to less experienced team members.

Web Applications Programmer II – Sitecore Development Required

Manager

• Participate with the Commercial Lender in meetings with the client or prospects.
• Interviews applicants to obtain sufficient information concerning their specific projects, financial needs, and goals to make acceptable risk determinations for existing portfolio.
• Assist the Commercial Lender to assure that all relevant information is provided to the credit department in a timely and efficient manner so that all credits can be reviewed for risk migration in a timely manner.
• Monitors ongoing risk of the exposure, including periodic reviews of the borrower and related entities.
• Works closely with credit administrators, credit Analysts, Loan Processers, and other staff to assure high level of quality was previously completed in each credit application.
• Ensures current risk assessment of each credit facility is accurate and escalates credits for which they have identified increased risk.
• Maintain tickler, tracking, monitoring, and reporting systems such as pending loan and collateral documentation, ongoing operational and financial documentation, completion status of annual loan reviews, and covenant tracking and reporting.
• Maintain a thorough understanding of state and federal laws and regulations related to credit union compliance including bank secrecy and anti-money laundering laws appropriate to the position.
• Foster a positive and engaging work environment for each team member by promoting skill development, coaching for improvement and growth, inspiring others through your words and actions, ensuring positive employee morale throughout Golden 1, and embracing our mission, vision, and core values.
• Provide fundamental and technical advice to members of the management team regarding recommendations to favorably position the Credit Union.
• Maintain knowledge in all applicable laws, regulations, policies, and economic influences and keep senior management informed of any changes.
• Review call report schedules and other regulatory reporting.
• Compile and present information action reports to senior management as required.
• Performs other duties as assigned.

Senior Portfolio Manager

Frontend Engineer

• Responsible for programming and implementation of user interface, web service, and database applications for the external facing web site, employee Intranet and components that integrate third-party systems with our web applications and host system.
• Establish and maintain the organization's Internet and Intranet technical architecture and functions.
• Analyze, design, and implement technical solutions for existing and new Internet/Intranet systems.
• Make recommendations for best practices including the proper production, technical and design technique specific to Internet/Intranet programming.
• Design, program and implement solutions programmed in .NET with attention to user experience and cross-browser support on both new and existing software projects.
• Research, analyze, design, document, create test plans and prototype enterprise web applications and solutions that integrate with third-party systems.
• Analyze, program, troubleshoot, debug, and implement enterprise web interface components using HTML, XHTML, XML, XSLT, JavaScript, ASP.NET, Visual C#.NET, SOAP, REST, jQuery, CSS, AJAX, JSON, and SQL.
• Assist in managing all web programming including integration of approved content on the site, file management and site maintenance, database management, archiving, and record management.
• Responsible for quality assurance of all e-applications, including unit testing and source code control for versioning and lifecycle management.
• Provide guidance to less experienced team members.