Loan Processor

• 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.

Indirect loan processor managing complex auto-loan funding for California credit union members

Indirect Loan Processor II

Indirect loan processor managing complex auto-loan applications, documentation, compliance, and funding for Golden 1 Credit Union. Resolving dealer and member escalations while supporting accurate, timely disbursement.

• Establish and maintain relationships with clients and referral partners to retain existing business and attract new.
• Enter prospective new DSCR loan applications into the loan origination system.
• Prepare quotes and LOI’s as necessary on all loan structures.
• Reconcile and organize all application information received and review items for qualification.
• Order and secure all third-party documents such as title, credit reports, appraisal and any other items required on the loan files.
• Act as a liaison between clients, internal staff, brokers, title companies, etc. to respond to inquiries, provide status updates, and obtain all necessary documentation required for the file.
• Manage a loan pipeline of 20 to 25 loans, resolving any problems or conditions in an expeditious manner as the file moves through the process, from initial receipt through funding.
• Prepare and review mortgage loan files to ensure compliance with investor guidelines.
• Ensure that all loan files submitted to underwriting are complete and accurate. This requires pre-underwriting of the borrower and loan file. (Loan structure, loan terms, cash reserves, borrower experience, escrow/title documentation, and initial evaluation of risk)
• Perform related duties and special projects as assigned.

Loan Processor managing DSCR loans for private real estate investments

DSCR Loan Processor

Loan Processor managing DSCR loans through initial application to funding for Anchor Loans. Collaborating with clients, brokers, and internal teams for a smooth loan closing process.

• 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 managing complex loan scenarios for California credit union

Indirect Loan Processor III

Indirect Loan Processor managing complex loan scenarios from intake to funding for California's Golden 1 Credit Union. Ensuring accuracy, compliance, and a positive experience for dealers and members.

• 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.

Home Loan Senior Processor managing mortgage and equity loans in California

Senior Home Loan Processor

Home Loan Senior Processor managing a pipeline of mortgage and equity loans. Collaborating with advisors and vendors for efficient loan processing exclusively in California.

• 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 at Golden 1 Credit Union handling consumer loan applications

Direct Loan Processor I

Direct Loan Processor I at Golden 1 Credit Union supporting consumer loan application processing. Ensuring compliance and accuracy while managing high volumes of loan-related calls with a focus on member experience.

• 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.
• Manage a high volume of inbound and outbound loan-related calls effectively and simultaneously manage loan applications.
• Continuously develop yourself to solve problems and improve department performance.
• Foster a positive work environment by actively listening to and responding to member and co-worker needs with a courteous and helpful attitude.
• Analyze data, research, and collect documentation, and prepare loan documents with minimal errors.
• Obtain and verify required Department of Motor Vehicles (DMV) documentation to properly record the company's lien on loan collateral.
• Collaborate with peers across different departments to carry out key steps in the loan application process.
• Audit various operational documents, including executed loan documents, and reports to ensure proper procedural compliance, accuracy, and authenticity.
• Maintain a working knowledge of Golden 1 lending policies and procedures to ensure compliance.
• Conduct supportive tasks including email correspondence, answering TEAM chat queries, conducting consumer loan fulfillment audits, providing assistance for escalated calls and branch emails.
• Identify and mitigate potential fraud, suspicious activity, and identity theft.
• Conduct member interviews, perform financial calculations and analysis on Proof of Income, and gather information to satisfy loan conditions in order to determine suitability for loan funding.
• Prepare loan documents and send them to members for signing and prepare approved loans for disbursement accordingly.
• Constantly develop critical thinking skills and enhance departmental performance.
• Monitor Outlook emails and TEAM chats efficiently, quickly collaborate in real-time, and respond promptly.
• Participate in video conferencing and online meetings while being comfortable in a virtual office culture.
• Provide effective oral and written communication skills to aid other employees and proactively follow up on member inquiries and concerns via Web Messaging or phone taking care to ensure proper grammar and a professional tone.
• Provide exceptional customer service to Golden 1 members, dealerships, and outside finance companies.
• Perform other tasks as assigned.

Direct Loan Processor managing consumer loan applications accurately and compliantly at Golden 1 Credit Union

Direct Loan Processor

Direct Loan Processor supporting end-to-end processing of consumer loan applications at Golden 1 Credit Union. Ensuring compliance and delivering positive member experiences in a remote role.

• Maintain knowledge of state and federal laws related to consumer lending
• Manage high volume of inbound and outbound loan-related communications
• Manage an active pipeline of 40-50 applications at any time
• Perform quality control reviews to support loan funding and operational audits
• Collect, analyze, and validate relevant financial and identity documentation
• Foster positive work environment by responding to member and co-worker needs
• Identify, investigate, and mitigate potential fraud and suspicious activity

Loan Processor managing high-volume loan processing for Golden 1 Credit Union

Direct Loan Processor II

Loan Processor managing high-volume loan processing for consumer lending at Golden 1 Credit Union. Ensuring compliance, accuracy, and a high level of member experience.

• Plays a key role in delivering a smooth and positive mortgage experience for customers
• Reviewing, verifying, and preparing complete loan files for Underwriting and Closing
• Acts as the central point of communication between loan officers, assistants, builders, real estate partners, and customers
• Maintains knowledge of all policies and modifications to the guidelines and standards of the company, federal housing programs, investors, and private mortgage insurers
• Maintains and updates loan application information within loan origination software and other applications
• Orders appraisals, title, survey, verifications, and any other items required for loan approval; conducts regular follow-ups with outside sources regarding outstanding documents
• Verifies the data collected, analyzes, and decides whether it meets guidelines or if other documentation is needed
• Ensures loan application is in compliance with underwriting, investor, RESPA, and HMDA guidelines
• Calculates income, reviews assets and liabilities
• Reviews all disclosures for completeness and compliance
• Completes final evaluation and analysis of completed application packages and submits eligible files specifying any applicable conditions
• Monitors rate lock information for data integrity and expiration dates; communicates discrepancies to the Loan Officer
• Updates loan officer, loan officer assistant, realtors, builders and customers on loan status
• Maintains communication with customers throughout the loan process, assisting them with any questions and notifying them of any additional requirements
• Senior Processors may provide training and guidance to other Processors on the team.

Loan Processor ensuring a smooth mortgage experience for customers at Universal Lending Corporation

Loan Processor ensuring a smooth mortgage experience for customers at Universal Lending Corporation. Responsible for reviewing and preparing loan files for Underwriting and Closing.

Loan Processor jobs in California

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