- Pay
- $28–35/hr
- Where
- Sacramento, CA, US · Remote · Remote
- Level
- Mid
Job Title: Indirect Funding SpecialistStatus: Non-exemptReports to: Supervisor - Indirect Lending ProcessingDepartment: Dealer Services OpsJob Code: 12135Pay Range: $28.00 - $35.00 HourlyLocation: Remote (Must Reside in California)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 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. You can independently evaluate complex dealer and third-party loan packages, identify documentation or compliance concerns, reconcile transaction details, resolve funding barriers, communicate clear requirements to internal and external partners, and make accurate funding decisions within established authority.WHAT YOU'LL DO:
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. * Confirm required tasks and stipulations are satisfied before the loan proceeds to funding, and return incomplete or inaccurate packages for correction with clear documentation of the outstanding requirement.
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; require correction by the appropriate party when source information does not match established requirements. * 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.
Funding, Disbursement, and Booking Execution * Execute dealer, refinance-partner, and other approved indirect loan funding and disbursement activities accurately and within established service-level expectations. * 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…