Senior Loan Fulfillment Specialist

ABOUT HAPPY MONEY

Happy Money is a consumer finance company that empowers people to achieve their goals through simple, transparent loans funded by trusted financial institutions. Through its proprietary lending platform, Hive, Happy Money delivers a fully digital experience that simplifies borrowing for consumers and helps credit unions, banks and asset managers diversify balance sheets and scale with confidence. 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 350,000 people take greater control of their financial futures. Learn more at  View our Employee Privacy Policy here. Happy Money is a 100% fully distributed company. Remote work doesn’t mean less work, we work full-time jobs and show up to them fully every day.

Role:
Hourly, Full-time Main

Work Shift:

9AM - 6PM EST (occasional weekends) Training

Work Shift:

8AM - 5PM PST / 11AM - 8PM EST (~6 weeks) Pay: $48,000 - $55,000 (annualized based on 40-hour work weeks)

Work Location:

Fully Remote within U.S.A. but must be able to work Main Work Shift hours. Visa Sponsorship:
Not Available

• 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

• Generous medical, dental, and vision insurance options
• Eligible for monthly bonus
• 401k Plan with a matching contribution
• Generous PTO including sick leave, vacation, volunteer, and more
• 12 Weeks Paid Parental Leave
• Company-paid short & long term disability and life insurance
• Monthly tech stipend to help cover expenses for remote work
• Happy Money is a 100% fully distributed workforce
• Base Salary Range $48,000 - $55,000 USD