Title Processing Specialist

The Title Processing Specialist is responsible for independently managing all facets of vehicle title processing, ensuring that the Credit Union’s lien is properly perfected in compliance with legal and regulatory standards across all 50 states. This includes interpreting and applying diverse and frequently changing DMV requirements, analyzing legal documentation, and proactively resolving discrepancies or deficiencies in title records.

As a subject matter expert, the Specialist serves as a key liaison between the Credit Union and a wide network of external entities—including state departments of motor vehicles, automobile dealerships, lienholders, financial institutions, and private sellers. The role also requires consistent, tactful communication with members to guide them through complex or unfamiliar titling scenarios and resolve issues in a manner that balances regulatory obligations with member service excellence.

The position demands exceptional attention to detail, critical thinking, and the ability to make time-sensitive decisions with limited supervision. Title Processing Specialists are often required to negotiate with outside parties, escalate issues appropriately, and identify compliance risks that could impact the Credit Union’s lien position. A strong understanding of lien perfection, state regulations, and vehicle ownership transfers is essential, as is the ability to maintain professionalism and composure when managing escalated or sensitive situations.

1. Executes Title Processing Functions in Accordance with Credit Union Standards and State Regulations

a. Secures Credit Union liens on vehicle titles across all 50 states, ensuring accuracy and timeliness in accordance with each jurisdiction's requirements.

b. Audits member personal data and lien documentation for accuracy and legal sufficiency before submitting to appropriate DMVs or electronic vendors.

c. Prepares, submits, and monitors title applications and related documents to ensure successful lien perfection.

d. Maintains up-to-date knowledge of multi-state title regulations and proactively adapts to procedural changes.

e. Collaborates with E-lien vendors and ensures all electronic title data is recorded and released accurately.

f. Monitors title processing files, ensuring all records are complete, current, and actionable. Manually adds accounts as needed and verifies timely resolution and retirement of processing items.

g. Organizes, maintains, and updates digital and physical records in accordance with Credit Union standards and regulatory requirements.

h. Ensures accuracy, completeness, and legal compliance of all processed titles, communicating any exceptions to management promptly.

i. Documents all actions and correspondence clearly within Credit Union systems to maintain audit readiness and accurate tracking.

j. Upon receipt of title documents, determines the appropriate DMV office for processing and completes paperwork accordingly.

k. Proactively monitors processing accounts and ensures timely, accurate lien perfection or resolution.

l. Provides cross-functional support as needed and participates in continuous process improvements.

2. Coordinates with Internal and External Stakeholders to Resolve Complex Title Issues and Ensure Legal Compliance

a. Investigates and resolves complex title discrepancies involving member processing, previous liens, dealership errors, or external institution delays.

b. Coordinates with members, auto dealers, financial institutions, and state agencies to obtain necessary documentation and resolve pending title requirements.

c. Utilizes strong interpersonal and communication skills to guide members and third parties through complex title scenarios, often requiring negotiation and creative problem-solving.

d. Manages incoming and outgoing correspondence for assigned title processes, ensuring timely and compliant responses.

e. Handles incoming inquiries from members, internal departments, and external agencies with professionalism and efficiency, escalating only when necessary.

f. Processes member requests for title transfers due to relocation, name changes, or lien satisfaction, including…