Lead Title Administration Specialist

Position Title: Lead Title Administration Specialist

Reports To: Lending Manager

Grade Level: 8

Full 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 sharing 
• PTO 
• Flexible 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 Unions
• 12 CFR § 701.21 – Loans to Members and Lines of Credit to Members
• 12 CFR Part 716 – Privacy of Consumer Financial Information
• 12 CFR Part 717 – Fair Credit Reporting
• Truth in Lending Act (TILA), Regulation Z
• Equal Credit Opportunity Act (ECOA), Regulation B
• Fair Credit Reporting Act (FCRA), Regulation V
• Fair and Accurate Credit Transactions Act (FACTA)
• Gramm-Leach-Bliley Act (GLBA), Regulation P
• Consumer 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 Act
• Office of Foreign Assets Control (OFAC) Regulations
• Red Flags Rule
• State Credit Union Acts and Regulations
• State Consumer Lending Laws
• State Consumer Credit Laws
• State Motor Vehicle Title Laws
• State Motor Vehicle Registration Laws
• State Motor Vehicle Finance Laws
• State Electronic Lien and Title (ELT) Requirements
• State Lien Perfection Laws
• State Vehicle Lien Release Requirements
• State Uniform Commercial Code (UCC) Secured Transactions Laws
• State Privacy and Data Protection Laws
• State Consumer Fraud and Deceptive Trade Practices Laws
• State Electronic Transactions Acts
• State Record Retention Laws
• State Unclaimed Property (Escheatment) Laws
• State Notary and Electronic Notarization Laws
• Applicable Department of Motor Vehicles (DMV) Regulations and Requirements
• Multi-State Vehicle Titling Requirements
• Multi-State Vehicle Registration Requirements
• Multi-State Consumer Lending Requirements
• Multi-State Consumer Protection Requirements
• Multi-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.