Lien Processor Jobs (NOW HIRING)

Corporate America Family Credit Union

Job Description

Position Description: DMV Title Clerk & Processor

Reports to: Lending Manager / Loan Manager

Grade Level: 6

Full Salary Range: $18.68/hr - $28.02/hr

Hiring Salary Range: $18.68/hr - $23.34/hr

Position Summary:

The DMV Title Clerk and Processor is responsible for the accurate and timely processing of motor vehicle titles, lien recordings, registrations, and title follow-up for auto loans originated by the credit union through direct and indirect channels. This includes ensuring lien perfection, regulatory compliance, and proper documentation, all while maintaining a high-quality member and dealer experience. The position also supports the loan origination process, tracks loan documentation, and resolves title discrepancies across all U.S. states.

Duties and Responsibilities:

DMV Title Clerk:

• Title Processing: Process vehicle titles and lien recordings for approximately 200 auto loans per month across all U.S. jurisdictions. Prepare and submit title applications, lien filings, registrations, and required state fees in accordance with state DMV requirements. Process Electronic Lien and Title (ELT) filings where applicable.
• Title Documentation: Prepare and submit necessary documentation to the DMV, ensuring all titles are recorded properly and legal requirements are met for vehicle loans. Verify VINs, odometer disclosures, powers of attorney, dealer funding packets, and member information.
• Title Corrections & Follow-Up: Resolve title discrepancies by liaising with the DMV, dealers, and members. Follow up on titles that have been delayed or are missing information. Correct ownership issues, lien errors, missing signatures, and data mismatches.
• Vehicle Registration: Coordinate the registration process for vehicles, ensuring vehicles are properly registered and titles are transferred correctly.
• Lien Releases: Process lien releases for paid-off loans, ensuring the correct transfer of ownership after loan payoff.

Loan Processing:

• Prepare and Complete Loan Documentation: Prepare and finalize loan documents upon approval from a certified loan officer. Complete loan setup and account creation as required.
• Follow-Up and Maintenance: Maintain and follow up on all loan documentation according to department standards. Ensure all loan requests are processed and tracked efficiently.
• Collaboration with Lending Staff: Work closely with the lending team to maximize loan processing efficiency. Meet regularly with the Lending Manager to track titles and resolve any issues.
• Compliance: Ensure all completed loans are compliant with state and federal laws. Regularly review processes to stay aligned with CAFCU’s internal policies and regulatory requirements.

Member Service:

• Member Inquiries: Answer member inquiries regarding loan status, title questions, and general information about the credit union’s services.
• Problem Resolution: Assist with resolving any issues related to loans or titles by obtaining necessary information, researching records, and working with lending or DMV departments.

Compliance & Quality Assurance:

• Audit Preparation: Ensure all loan and title documentation is complete and ready for periodic audits. Maintain accurate records of completed loans and titles.
• Legal and Regulatory Compliance: Ensure compliance with all relevant laws and regulations concerning both loan and DMV title processing. Regularly review processes to ensure alignment with internal policies and regulatory requirements.

Documentation & Recordkeeping:

• Maintain accurate title status notes in the loan origination or core system.
• Scan, index, and retain title-related documents in accordance with retention standards.
• Prepare reports on outstanding titles, aging, and exceptions.

Communication:

• Communicate with members, dealers, DMV offices, insurance companies, and internal staff regarding title status and documentation requirements. Ensure clarity and professionalism in all communications.

Payoff & Release Processing:

• Support collections and recovery teams with title documentation.
• Process lien releases for paid-off loans within statutory timelines.
• Perform all other duties as assigned.

Qualifications:

Education and Experience

• Minimum high school diploma or equivalent. Additional certifications or training in title processing or loan documentation is a plus.
• One to three years of experience in vehicle title processing, DMV services, or auto lending operations.
• Prior experience with multistate titling or DMV work is highly preferred.
• Experience working with Electronic Lien and Title (ELT) filings is a plus.

Skills and Competencies

· Strong attention to detail and time management skills.

· Proficiency with loan systems, document imaging platforms, and DMV regulations.

· Strong interpersonal and communication skills, both verbal and written.

· Ability to work independently and as part of a team.

· Spanish bilingual preferred.

· Title Accuracy

· Regulatory Awareness

· Problem Resolution

· Time Management

· Risk Mitigation

· Service Orientation

While performing the duties of this job, the employee is frequently required to sit, view information on a computer screen, and talk or hear. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Telephone conversations may be monitored or recorded for the purposes of training, coaching, feedback and quality assurance on an unannounced basis.

Benefits

· Health, Vision, Dental Insurance

· Long-term Disability Insurance

· Critical Illness

· Life Insurance

· 401(k) match

· Profit sharing

· PTO

· Flexible Spending Account

· Tuition Reimbursement

· Pet Insurance

· Commuter Benefit