DMV Processor I

Summary: Sierra Central Credit Union is seeking a DMV Processor I responsible for the accurate and timely processing of DMV title and registration work associated with consumer loans. This role ensures compliance with all regulatory and internal requirements while maintaining high-quality member and dealer experience. Responsibilities: - Review incoming title and registration documentation for completeness, accuracy, and proper lien perfection within required timeframes - Process DMV title and registration transactions, including fee calculations, lien recordings, transfers, and payoffs, in accordance with state regulations - Verify loan files meet all internal controls, compliance, and regulatory requirements prior to audit submission - Accurately track all DMV-related activity, including pending title work, unperfected liens, and outstanding documentation - Monitor and manage unperfected titles, including files exceeding 45 days, ensuring timely resolution and appropriate escalation when needed - Communicate professionally with internal teams, members, dealerships, DMV offices, and third-party vendors to resolve title, lien, and documentation issues - Research and resolve discrepancies related to titles, fees, lien filings, or documentation, escalating issues as appropriate - Process incoming title work packages from consumer lending and other loan origination channels - Complete loan payoffs and related DMV transactions, including accurate system posting and reconciliation - Maintain detailed logs and reports to track DMV activity, general ledger balancing, and title status - Prepare loan and title files for audit, imaging, and retention in accordance with internal document management standards - Maintain organized, complete, and audit-ready files at all times - Respond to inquiries from staff, members, and dealership partners regarding DMV processing and title status - Stay current on applicable DMV regulations, title and registration requirements, and internal procedures - Support departmental risk management efforts and ensure compliance with all policies, procedures, and regulatory standards - Meet established service level agreements and turnaround times for title processing, payoffs, and related transactions - Demonstrate ownership and accountability for assigned files from loan funding through final title completion - Adhere to internal audit standards, including defined quality expectations and acceptable error thresholds - Participate in audits, reviews, and corrective action processes, demonstrating accountability and continuous improvement - Proactively identify trends, delays, or recurring issues and communicate recommendations for process improvement - Identify and escalate service gaps or process inefficiencies that may impact loan flow, compliance, or the member experience - Perform additional duties as assigned to support department operations and business needs Required Qualifications: - High School Diploma or equivalent required - Minimum of 1 year of experience in a clerical or administrative role - Demonstrated ability to communicate effectively in both written and verbal formats, including professional and courteous phone etiquette - Communicate clearly, accurately, and professionally to reduce processing delays and promote transparency throughout DMV workflows - Collaborate effectively with lending, branch, dealer, and internal support teams to ensure timely processing and resolution of issues - Exceptional attention to detail with the ability to maintain high accuracy in a fast-paced, high-volume environment - Strong organizational, time management, and follow-up skills to manage multiple tasks and competing priorities efficiently - Proven ability to identify discrepancies or issues, research applicable regulations or requirements, and implement appropriate solutions - Self-motivated and accountable, with the ability to work independently while consistently meeting deadlines and performance standards - Maintain consistently high accuracy standards while minimizing errors, rework, and processing exceptions - Commitment to supporting a positive member and dealer experience through timely, accurate, and compliant DMV documentation processing Preferred Qualifications: - Financial institution experience preferred - Basic knowledge of DMV regulations, title processing, and collateral documentation preferred - Working knowledge of Microsoft Office products and standard office equipment Required Skills: DMV regulations, Title processing, Collateral documentation, Microsoft Office, Documentation compliance, Audit preparation, Fee calculation, Lien recording, Loan payoff processing Benefits: Medical, Dental & Vision Insurance options, Voluntary Lines including hospital indemnity, accident, and critical illness policies, Company Paid HRA (with enrollment in certain health plans), Company Paid Basic Term Life Insurance, Company Paid Long-Term Disability Insurance for Full-Time Employees, Company Paid Telehealth Services Membership (Teladoc), Company Paid Employee Assistance Program (EAP), 401(k) Retirement Plan, Flexible Spending Accounts, Paid Time Off, Travel Expense Reimbursement