Senior Loan Fulfillment Specialist

Happy Money’s end-to-end loan origination and participation programs provide partners with turnkey access to high-performing assets, underpinned by disciplined credit expertise and robust risk management. Together with its lending partners, Happy Money has originated more than $6.5 billion in loans to help nearly 35...

Main Work Shift: 8AM - 5PM PST / 11AM - 8PM EST (occasional weekends)

Training Work Shift: 9AM - 6PM EST (~6 weeks)

Process applications as assigned.
Handle Applicant calls with care, accuracy, and urgency - demonstrating our core values of Love, Trust, and Hustle in every interaction to ensure applicants feel supported and informed.
Review, validate, and process critical documents such as proof of income and identification, to ensure compliance, authenticity, and accuracy prior to decisioning.
Daily follow-up outreach (phone call and email) to applicants whose applications are pending documentation or information to be approved.
Reviewing applications in their active pipelines that have received new documentation or other information provided by the applicant.
Follow-up on applications that have been escalated for Fraud Team review and have not been responded to within 24 hours.
Adhere to Genesys schedule for breaks, lunches and other assigned activities.
Maintain high levels of efficiency, quality, and speed while reviewing loan applications, ensuring deadlines and SLAs are consistently met without increasing risk exposure
Proactively identify potential risks, inconsistencies, or fraud indicators within applications and take appropriate action to mitigate exposure
Collaborate cross-functionally with fraud, BPO, and operations teams to ensure alignment on processes, procedures, and decisioning
Identify process gaps or inefficiencies and propose actionable solutions to improve workflow, scalability, and overall performance
Contribute to continuous improvement initiatives by sharing feedback, trends, and insights from day-to-day processing activities
Monitor and quickly respond to Slack updates and follow-up requests.
Attend Team Huddles, meetings and training as scheduled.
Complete all BVS training assignments as required by the Compliance Team.
Review QA scorecards and dispute findings as needed.

 

2+ years of experience working in a loan origination environment
Comfortable handling large application volumes while maintaining accuracy
Comfortable juggling application/case work with inbound phone calls
Strong attention to detail and time management.
Clear written and verbal communication.
Adaptability to changing priorities and process updates.
Team collaboration and accountability.
Problem solving and escalation judgment.
A positive, can-do mindset and curiosity about how your work impacts the Applicant journey