We are Addition Financial, a member-owned, not-for-profit financial cooperative, offering comprehensive financial solutions that help members achieve their financial goals. Shareholder profits do not drive us and never have. Since 1937, we have been on a mission to bring financial success and education to everyone and make a positive impact on the lives of our members and the communities we serve. And we want your help to make that happen. We are looking for team members who not only want to do meaningful, challenging work, but also have a heart for service. If this sounds like you, keep reading and we'll dive into the specifics!

SUMMARY:

The Business Operations & Servicing Title Coordinator is responsible for ensuring proper lien perfection on all secured consumer and business loans through accurate processing of vehicle titles and related Uniform Commercial Code (UCC). This position supports lending staff, maintains secure and orderly title records, ensures timely lien placement and release, and communicates extensively with members, staff, dealerships, and state agencies. The role includes processing select loan servicing transactions and identifying potential risks related to collateral documentation

ESSENTIAL DUTIES AND RESPONSIBILITIES:

Provide exceptional service to members, staff, dealerships, and third-party institutions, in alignment with the Credit Union’s service standards.
Assist lending staff with lien documentation requirements, including the calculation of applicable fees and resolutions of title discrepancies.
Process all title work for vehicle loans, including: Creating and maintaining pending filles, tracking and following up on pending titles, verifying accuracy of incoming titles (e.g. member names, VINs), coordinating corrections with lending staff, members, dealerships, and state agencies, and applying for lost-in-transit titles and monitoring reissuance.
Perform UCC filings and track lien documentation for consumer non-titled collateral.
File, maintain, and release liens with appropriate government agencies (e.g., DMV, Secretary of State).
Safeguard all paper and electronic titles, maintaining them in an organized and accessible manner.
Ensure timely release of titles upon loan payoff, verifying payment in full before releasing collateral.
Work reports related to pending titles, paid-out titles, and subsequent lien tracking to ensure compliance and timely processing.
Coordinate title transfers for out-of-state loans and manage subsequent lien requests, ensuring tracking of released titles until returned.
Monitor trends or issues with title and lien work and escalate potential risks related to collateral security.
Answer internal and external inquiries regarding lien status, title procedures, and documentation needs.
Process routine loan maintenance tasks such as: Consumer loan Skip-a-Pay and due date changes, consumer loan paid-in-full letters, consumer loan payoff checks, closure of personal lines of credit, and support for SCRA requirements (as backup).
Maintain a strong understanding of internal policies, procedures, and applicable regulations.
Handle complex or escalated lien and titling scenarios with sound judgement and service focus

REQUIREMENTS

Education:

High School diploma or equivalent

Experience:

Experience in vehicle title processing, lien perfection, or related consumer lending operations preferred.
Knowledge of vehicle title laws, lien filing requirements, and UCC documentation preferred.
Familiarity with state DMV and Secretary of State filing procedures preferred.
Strong attention to detail with excellent organizational and record-keeping skills.
Ability to work independently and manage multiple priorities under deadlines.
Proficient in standard office software (e.g., Microsoft Office suite) and willing to learn proprietary loan processing systems.
Ability to work collaboratively as part of a team and support cross-departmental initiatives

Any applicable system or program knowledge:

Proficiency in credit union systems including windows and Microsoft Office Software: experience with those core banking applications (Symitar/Epysis, Synapsys, Meridian Link, OpenClose, etc.)

OTHER CHARACTERISTICS OF THE POSITION:

Physical Demands:

Sitting for long periods at a time.
Regularly required to talk or listen.
Occasional lifting of office supplies up to 20 lbs.
Vision abilities including close vision and ability to adjust focus.

Mental Demands:

Must understand and follow a set of clear oral and/or written procedures without deviation.
Performs repetitive routine tasks.
Withstand moderate amounts of stress.
Must adhere to a provided work schedule to meet a set of qualitative production standards.
Perform tasks that vary little from day to day.
Implements others’ decisions/procedures with little judgment required.
Must relay information orally.

WORKING WITH US:

We’re continually recognized as a top employer because we understand people like you want more out of your career. Like making a difference in people’s lives and in the community. Being part of a team that supports each other. Feeling good about the time you spend at work each day. And being able to balance your life while also earning a competitive base salary and benefits, including:

401k with profit sharing contribution
Comprehensive medical, dental and vision coverage from leading insurance providers
Continuing education and up to $5,000 in tuition assistance annually
Generous vacation and sick pay
Paid parental leave and volunteer time off
Major holidays off including Federal holidays that many other industries don't observe
Credit union benefits including reduced consumer/mortgage loan rates, free checks, and other financial services discounts

At Addition Financial, we accept you for who you are. We are an equal opportunity employer and do not discriminate based on race, color, creed, religion, national origin, sex, marital status, age, protected veteran status, or disability/handicap with regards to recruitment, selection, placement, promotion, wages, benefits, and any other areas of employment. Personal perspectives and beliefs are what helps our team members, and our company, grow as a whole and we seek to nurture that inclusiveness. We welcome our team member’s diverse viewpoints and work together so that everyone’s voices are heard. So, if you’re ready to take your career to the next level, Count Us In®.

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