Job Description

Job Description

Job Title: Title & Lien Specialist

Department: Operations Support

Reports To: CU Support Services Manager

FLSA status: non-exempt

Location: Fairbanks

Date Prepared/Updated: 6/2025

Position summary:

The Title & Lien Specialist will build and maintain successful member relationships on consumer lending collateralized loans through accurate and timely processing of the lien administration, including lien perfection, lien release and lien follow-up. Will work as a valued team member among their peers and willfully act as backup for others as necessary to ensure the success of the credit union.

Essential Duties and Responsibilities:

• Serve as a liaison for the Credit Union to process and perfect liens with the State of Alaska, ensuring accurate and timely filing in compliance with state regulations.
• Understand DMV Regulations: Stay up to date with DMV requirements and changes in the process of title lien perfection.
• Lien Perfection Process: Ensure that liens on vehicle titles are properly recorded with the DMV after a loan is issued, securing the credit unions interest. This includes following up with dealerships, financial institutions, and other vendors as needed to resolve any delays in the filing process.
• Work with electronic lien and title systems (ELT) to file and manage lienholder information.
• Work with out-of-state DMVs to process title requests, including vehicle title transfer and registration applications.
• Complete UCC filings with the Department of Natural Resources to secure interests on untitled collateral, such as off road or equipment.
• Monitor inventory of DMV supplies and conduct regular audits to ensure accurate supply counts.
• Accurately process and submit payments for DMV related processes
• Monthly GL Balancing and assisting in ensuring appropriate fees are collected.

The essential functions are intended to describe the general content of and requirements of this position and are not intended to be an exhaustive statement of duties. Specific tasks or responsibilities will be documented as outlined by the incumbent's immediate manager.

Qualifications:

• ** Must possess a valid Alaska driver’s license and be able to pass a background check in accordance with State of Alaska DMV requirements.**

• Education and Experience: One year to three years of similar or related experience. (1) A two-year college degree, or (2) completion of a specialized certification or licensing, or (3) completion of specialized training courses by vendors, or (4) job-specific skills acquired through an apprenticeship program.

• Knowledge, Skills, and Abilities: Exhibits a positive attitude towards members and colleagues, in alignment with the Credit Union’s mission and core values, to foster and maintain a high standard of member service. Work involves much personal contact with others inside and/or outside the organization for first-level conflict resolution, building relationships, and soliciting cooperation. Discussions involve a higher degree of confidentiality and discretion, requiring diplomacy and tact in communication. General office equipment such as calculators, Microsoft products, computers, photocopiers, telephones, and scanners. Basic knowledge of established CU procedures and policies. Understanding of Credit Union operations. Maintains confidentiality related to Credit Union operations and work-related information.

Ability to work independently while excessing sound judgement and making confident decisions, as well as collaborating effectively as part of a team. Must possess excellent written and verbal communication skills. Ability to manage time effectively, prioritize tasks, and handle multiple responsibilities in a fast-paced environment. Dependable with attendance and tardiness.

Physical Demands and Work Environment:

This position involves primarily sedentary work, requiring the ability to sit, stand, and bend with minimal physical exertion. Occasional lifting of items up to 20 pounds may be necessary. In emergency situations, the ability to climb and descend stairs is required.

The role involves frequent use of standard office equipment, including computers, keyboards, telephones, copiers, fax machines, and calculators. Candidates must be able to work on a computer for extended periods, typically 6 to 8 hours per day, as needed.

Flexibility to work extended hours or travel off-site may be required at the request of management. Regular, reliable, and punctual attendance is essential.

Work is typically performed indoors in a quiet, climate-controlled office environment.

Mental and/or emotional requirements:

The ability to work independently with minimal supervision, as well as collaboratively within a team, is essential. Candidates must be able to read and follow both written and verbal instructions accurately. Basic math skills, correct spelling, and a foundational understanding of computers are required.

Clear and effective verbal communication is important, with the ability to present information logically and understandably. The role requires professionalism and composure when interacting with individuals from diverse backgrounds, both within and outside the organization. A strong commitment to exceptional member service and discretion is expected.

Candidates must be able to manage stress effectively while meeting deadlines and maintaining accuracy and quality in a fast-paced environment. The ability to prioritize and handle multiple, shifting responsibilities is critical. Discretion and confidentiality, both internally and externally, must be upheld at all times.