Collateral Specialist

Coosa Valley Credit Union; Rome (GA); On-site; USD 45,000 - 65,000; Full time

Benefits offered by this job

Medical Insurance

Vision Insurance

401K w/ employer match

Life Insurance (2x Salary) - Employer

Tuition Reimbursement

Paid Time Off

Health Time

Flexible Spending Account (FSA)

& much more!

Job summary

Coosa Valley Credit Union in Rome, GA is seeking a Collateral Specialist to manage and maintain collateral documentation for consumer and secured loans. You will ensure titles, liens, UCC filings, and related records are complete, accurate, and compliant with credit union policies and applicable laws.

This role requires attention to detail, strong coordination with members, dealerships, insurers, and third parties, and the ability to resolve discrepancies quickly.

Qualifications

• Review loan documentation to ensure collateral requirements are complete, accurate, and compliant.
• Process and maintain vehicle titles, liens, UCC filings, mortgages, and other collateral-related documentation.
• Verify lien placement and ensure the credit union’s security interest is properly perfected.
• Process lien releases, title releases, collateral substitutions, and paid-off loan documentation.
• Monitor and track outstanding titles, insurance documentation, lien recordings, and other collateral requirements.
• Identify, research, and resolve collateral, lien, and title discrepancies.
• Monitor collateral exceptions and follow up on missing, incomplete, or inaccurate documentation.
• Ensure collateral records are updated following loan modifications, refinances, and payoffs.
• Maintain accurate collateral records within loan servicing and document management systems.
• Prepare reports and maintain records related to collateral tracking, exceptions, and portfolio monitoring.
• Ensure documentation is organized, accessible, and audit-ready.
• Coordinate with members, dealerships, insurance companies, government agencies, lenders, and other third parties to obtain required documentation.
• Serve as a resource for loan officers, processors, and servicing staff regarding collateral-related questions and issues.
• Facilitate timely resolution of documentation and collateral concerns.
• Adhere to credit union policies, procedures, internal controls, and regulatory requirements.
• Protect confidential member information and maintain privacy and security standards.
• Support internal and external audits by providing requested collateral documentation and reports.

Responsibilities

• Review loan documentation to ensure collateral requirements are complete, accurate, and compliant.
• Process and maintain vehicle titles, liens, UCC filings, mortgages, and other collateral-related documentation.
• Verify lien placement and ensure the credit union’s security interest is properly perfected.
• Process lien releases, title releases, collateral substitutions, and paid-off loan documentation.
• Monitor and track outstanding titles, insurance documentation, lien recordings, and other collateral requirements.
• Identify, research, and resolve collateral, lien, and title discrepancies.
• Monitor collateral exceptions and follow up on missing, incomplete, or inaccurate documentation.
• Ensure collateral records are updated following loan modifications, refinances, and payoffs.
• Maintain accurate collateral records within loan servicing and document management systems.
• Prepare reports and maintain records related to collateral tracking, exceptions, and portfolio monitoring.
• Coordinate with members, dealerships, insurance companies, government agencies, lenders, and other third parties to obtain required documentation.
• Serve as a resource for loan officers, processors, and servicing staff regarding collateral-related questions and issues.
• Facilitate timely resolution of documentation and collateral concerns.
• Adhere to credit union policies, procedures, internal controls, and regulatory requirements.
• Protect confidential member information and maintain privacy and security standards.
• Support internal and external audits by providing requested collateral documentation and reports.

Skills

Collateral documentation

Regulatory compliance

Lien filing process

Loan servicing support

Document management

Tools

Loan servicing software

Document management systems

Job description

Coosa Valley Credit Union is excited to announce an opening for a Collateral Specialist! We are looking for individuals who are passionate about community involvement, networking, and are willing to go the extra mile for our members and employees. If you are eager to be a part of a dynamic team dedicated to making a positive impact in the lives of our members, we encourage you to apply today for this exciting opportunity within Coosa Valley Credit Union!

Role:

Demonstrate CVCU Culture and Values while managing and maintaining collateral documentation associated with consumer, commercial, and other secured loans. Ensures that collateral is properly documented, perfected, tracked, and released in accordance with credit union policies, regulatory requirements, and applicable state and federal laws. Expected to understand and comply with job related regulatory requirements including but not limited to Bank Secrecy Act, Anti-Money Laundering, USA Patriot Act, OFAC and Fair Lending Regulations.

Job Description:

• Review loan documentation to ensure collateral requirements are complete, accurate, and compliant.


• Process and maintain vehicle titles, liens, UCC filings, mortgages, and other collateral-related documentation.


• Verify lien placement and ensure the credit union’s security interest is properly perfected.


• Process lien releases, title releases, collateral substitutions, and paid-off loan documentation.

Collateral Tracking & Exception Resolution:

• Monitor and track outstanding titles, insurance documentation, lien recordings, and other collateral requirements.


• Identify, research, and resolve collateral, lien, and title discrepancies.


• Monitor collateral exceptions and follow up on missing, incomplete, or inaccurate documentation.


• Ensure collateral records are updated following loan modifications, refinances, and payoffs.

Records Management & Reporting:

• Maintain accurate collateral records within loan servicing and document management systems.


• Prepare reports and maintain records related to collateral tracking, exceptions, and portfolio monitoring.


• Ensure documentation is organized, accessible, and audit-ready.


• Coordinate with members, dealerships, insurance companies, government agencies, lenders, and other third parties to obtain required documentation.


• Serve as a resource for loan officers, processors, and servicing staff regarding collateral-related questions and issues.


• Facilitate timely resolution of documentation and collateral concerns.


• Adhere to credit union policies, procedures, internal controls, and regulatory requirements.


• Protect confidential member information and maintain privacy and security standards.


• Support internal and external audits by providing requested collateral documentation and reports.

Other Administrative & Departmental Support:

• Participate in departmental initiatives, process improvements, and special projects.


• Perform other duties as assigned.


• Medical Insurance


• Vision Insurance


• 401K w/ employer match


• Life Insurance (2x Salary) - Employer Paid


• Tuition Reimbursement


• Paid Time Off


• Health Time


• Flexible Spending Account (FSA)


• & much more!

What does it mean to work at Coosa Valley Credit Union?

At Coosa Valley, serving our members is not just a job; we have a much higher purpose.

At Coosa Valley Credit Union, "We Care" and "We Listen" are two core values that differentiate us from banks and other financial institutions. Here we still do business like neighbors helping neighbors, an old fashioned approach that combines modern technologies and the warm professional service members deserve. No matter the need or unusual circumstance, we still listen.

We use our Core Values as a guide and constant reminder that we can always improve our members’ lives. We don’t charge more so that we can increase a line on a graph and we don’t believe that revenue is most important. Our purpose is simple: to help people in our hometown live better financial lives.

“Helping People Live Better Financial Lives” is the purpose that unites all of us at CVCU. We want to create value – for our members, for our employees, and for the communities in which we operate. CVCU’s employees will always put their experience, pride and enthusiasm into making this happen.