Title Specialist

Position

Title Specialist

Job Code - 7552

req5920

Delta Community Credit Union Administrative Office - Riverwood 200

Hybrid

Full Time

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Job Description

Create your success story at Delta Community Credit Union - where opportunity meets purpose. Through our commitment to excellence, Delta Community has received numerous industry awards and earned the trust and loyalty of our employees, members and the metro Atlanta community. We value talent, encourage growth and keep community at the heart of everything we do. That's why we're one of Atlanta's Best Places to Work! Whether you're starting your professional journey or navigating the next step in your career, we invite you to join the Delta Community team.


The Title Specialist delivers superior service while meeting the titling needs of Delta Community Credit Union's consumer loan portfolio. The Title Specialist is responsible for securing all consumer titles and liens for the credit union while ensuring compliance and member service standards are met. Role responsibilities include researching and resolving complex consumer title issues and escalations, and managing the daily exception reports to ensure the credit union's interest in all collateralized loan types is protected. The Title Specialist proactively communicates with members, the DMV/State department, and various dealers as needed to limit unperfected lien volume and mitigate risk. The Title Specialist is a very fast paced, detail orientated, customer focused position.

Practices safety-conscious behaviors in all operational processes and procedures.

Essential Functions:
• Demonstrate the ability to independently problem solve and find solutions to complex and/or escalated title issues.
• Responsible for compliance, security and safety of member loan information and collateral lien records.
• Manage portfolio quality, ensure regulatory compliance, manage collateralization, and support securitization requirements. Stay abreast of county, state, and federal title, lien, and bankruptcy laws, regulations, and guidelines.
• Routinely perform analysis, evaluation and decisioning of operational exceptions while mitigating risk to the credit union. S/he will review and conduct research on complex title issues and provide a well-decisioned resolution that requires little to no leadership oversight or direction.
• Responsible for extensive and complex communication with members, dealers, financial institutions, vendor/partners, and motor vehicle departments for problem resolution for pending titles and research items.
• Handle multiple exception reports and provide high-level subject matter expertise and assistance to the Branches, Member Care, and other departments.
• Responsible for monitoring and logging title documentation received from members and third parties, while ensuring missing documentation is acquired for lien filing within the designated timeframe of statutes for lien perfection.
• Responsible for account and/or loan fraud detection and mitigation to prevent loss.
• Remain compliant with policies, processes and legal guidelines, including but not limited to the Bank Secrecy Act, Fair Credit Reporting Act (FCRA) and Fair Debt Collection Practice Act (FDCPA).
• Additional projects and assignments to support departmental initiatives, as needed.

Other
• This description reflects management's assignment of essential functions; it does not prescribe or restrict the tasks that may be assigned.
• This job description is subject to change at any time.

Position may offer work from home opportunities, pending specific performance and departmental needs.

Job Qualifications Must be legally authorized to work in the United States without the need for employer sponsorship, now or at any time in the future.

Required Minimum Qualifications:
• High School diploma or equivalent
• 2+ years' customer service experience in a financial institution, auto dealership, or DMV
• 1+ years' experience with auto loans or motor vehicle titles
• Strong written and verbal skills, and the ability to communicate effectively with internal and external customers
• Outstanding telephone customer service skills with the ability to provide consistent, accurate, and adequate input of information necessary while maintaining call standard volume
• Flexible/adaptable in a fast-paced environment
• Strong team orientation and ability to build collaborative working relationships
• Good organizational skills, be detail-oriented, possess good problem-solving and conflict-resolution skills while working with minimal supervision
• Complies with all Credit Union policies and procedures including those related to Bank Secrecy Act regulations

Internal Candidates Only:
• Must be performing satisfactorily in current position.

Preferred Qualifications:
• Bachelor's Degree in Finance, Business, or related field
• 2+ years' experience with motor vehicle titles
• Strong understanding of loan documentation requirements
• Working knowledge of automobile finance or loan services
• Proficiency with specialized financial services applications including Dealertrack, ACTion Lending Software, Symitar, Akcelerant Collections Platform, and DocuSign
Employee benefits include:
• Medical, Dental and Vision Coverage
• Basic Life and Accidental Death & Dismemberment Insurance, Long Term Disability, Employee Assistance Program and MyAdvocate
• Supplemental Insurance or Voluntary Insurance
• 401(k) Plan with Company Match
• Vacation, Holidays and Personal Time Off
• Paid Maternity and Paternity Leave
• Pre-tax Health and Dependent Care Spending Accounts
• Benefit Choice Program
• Health Reward Dollars
• Discount on Gym Reimbursement and Identity Theft Programs
• Legal Services