Job Description
Position Title: Lead Title Administration Specialist
Reports To: Lending Manager
Grade Level: 8Full Salary Range: $23.05 - $34.58 Hiring Salary Range: $23.05 - $28.81
Primary Responsibilities:
Serves as the primary subject matter expert for vehicle title administration, lien perfection, collateral documentation, ELT administration, DMV compliance, and title-related servicing activities supporting the consumer lending portfolio. Maintains operational ownership of all consumer lending title administration processes and serves as the primary escalation point for complex title and collateral issues.
Duties and Responsibilities
Collateral Administration, Lien Perfection & Title Operations:
Maintain operational ownership of all consumer lending title administration activities.
Process titles, lien recordings, registrations, transfers, and releases across all U.S. jurisdictions.
Ensure timely and accurate lien perfection and collateral documentation.
Track, monitor, and resolve title exceptions and deficiencies.
Electronic Lien & Title (ELT) Administration:
Serve as primary administrator for ELT systems and vendors.
Monitor electronic filings, releases, and title maintenance activities.
Support implementation, testing, and procedural updates.
Regulatory Compliance & DMV Governance:
Monitor multi-state DMV regulations and implement regulatory changes. Ensure compliance with applicable laws, policies, and audit requirements.
Collections & Recovery Support:
Serve as primary title resource for collections, repossessions, recoveries, and collateral disposition.
Vendor & Program Administration:
Administer relationships with title-related vendors and ELT providers.
Coordinate ancillary product administration activities including GAP cancellation and refund requests when applicable.
Monitor vendor performance and service levels.
Quality Control, Risk Management, & Reporting:
Maintain operational controls, reporting, audit readiness, and process improvements.
Training & Subject Matter Expertise: Serve as departmental SME and provide guidance, procedures, and training.
Qualifications
Education & Experience:- High school diploma required; Associate degree preferred.
- Three to five years of vehicle title administration, DMV processing, collateral administration, or related financial services experience.
- Skills & Competencies
- Critical Thinking & Problem Solving
- Attention to Detail
- Microsoft Excel
- Communication & Collaboration
- Organization & Time Management
- Continuous Learning
- Customer Service Mindset
Benefits:- Health, Vision, Dental Insurance
- Long-term Disability Insurance
- Critical Illness
- Life Insurance 401(k) match
- Profit sharingPTOFlexible Spending Account
- Tuition Reimbursement
- Pet Insurance
- Commuter Benefit
- Applicable federal and multi-state regulations including, but not limited to:
Federal Credit Union Act (FCUA)NCUA Rules and Regulations (12 CFR Chapter VII)12 CFR Part 701 – Organization and Operation of Federal Credit Unions12 CFR § 701.21 – Loans to Members and Lines of Credit to Members12 CFR Part 716 – Privacy of Consumer Financial Information12 CFR Part 717 – Fair Credit Reporting
Truth in Lending Act (TILA), Regulation ZEqual Credit Opportunity Act (ECOA), Regulation BFair Credit Reporting Act (FCRA), Regulation VFair and Accurate Credit Transactions Act (FACTA)
Gramm-Leach-Bliley Act (GLBA), Regulation PConsumer Financial Protection Act (CFPA)
Unfair, Deceptive, or Abusive Acts or Practices (UDAAP)
Requirements:- Electronic Signatures in Global and National Commerce Act (E-SIGN Act)
- Bank Secrecy Act (BSA)USA PATRIOT ActOffice of Foreign Assets Control (OFAC) Regulations
- Red Flags RuleState Credit Union Acts and Regulations
- State Consumer Lending LawsState Consumer Credit LawsState Motor Vehicle Title LawsState Motor Vehicle Registration LawsState Motor Vehicle Finance LawsState Electronic Lien and Title (ELT)
Requirements:
State Lien Perfection LawsState Vehicle Lien Release RequirementsState Uniform Commercial Code (UCC) Secured Transactions LawsState Privacy and Data Protection LawsState Consumer Fraud and Deceptive Trade Practices LawsState Electronic Transactions ActsState Record Retention LawsState Unclaimed Property (Escheatment) LawsState Notary and Electronic Notarization Laws Applicable Department of Motor Vehicles (DMV) Regulations and RequirementsMulti-State Vehicle Titling RequirementsMulti-State Vehicle Registration RequirementsMulti-State Consumer Lending RequirementsMulti-State Consumer Protection RequirementsMulti-State Privacy and Data Protection Requirements 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 of the position.
