Consumer Loan Servicing - Auto Servicing Analyst

Golden 1 Credit Union; Sacramento (CA); On-site; USD 43,000 - 47,000; Full time

Job summary

Golden 1 Credit Union is seeking an Auto Servicing Analyst in a full-time exempt role, reporting to the Manager of Auto Loan Servicing within Consumer Loan Servicing. The job involves title perfection, compliance oversight, and interactions with dealerships and vendors in a multi-state lending environment.

Responsibilities include overseeing titling platforms, monitoring performance, handling complex title-related issues, and coordinating with internal teams and external partners to ensure

Qualifications

• Requires high school diploma or GED.
• Course work in Motor Vehicle Titling or Title Management preferred.
• 5+ years of relevant experience in a financial institution, motor vehicle agency, dealership or loan servicing department specializing in vehicle titling required.

Responsibilities

• Administer and oversee vehicle titling platforms, vendor relationships, and related processes to support accurate, compliant, and efficient title perfection or ancillary refund activities.
• Monitor title perfection performance, analyze industry and regulatory trends, identify risks, and recommend improvements.
• Serve as first point of contact for complex title-related legal matters and escalations, including closed dealerships and title defects.
• Administer and support title breach and dealer buyback and chargeback programs, including case research and reporting.
• Support out-of-state lending expansion by coordinating motor vehicle department registrations and setup requirements.

Skills

Analytical thinking

Vendor management

Regulatory compliance

Cross-functional collaboration

Education

High School Diploma

Motor Vehicle Titling course (preferred)

Job description

Job Title: Auto Servicing Analyst
Status: Exempt
Reports to: Manager - Auto Loan Servicing
Department: Consumer Loan Servicing
Job Code: 12129
Pay Range: $31.00 - $34.00 Hourly
Location:

Who We Are

Golden 1 Credit Union is among the top credit unions in the country. As a member-owned, not-for-profit cooperative, Golden 1 is guided by the credit union philosophy of “people helping people.” We are committed to empowering our members and uplifting our communities as we create a more equitable and financially inclusive California. We welcome all who embrace our Core Values.

Who You Are

You use analysis, sound judgment, and strong partnerships to improve dealer-related auto loan servicing outcomes and protect the Credit Union's interests. You are a trusted resource in one or more specialized areas, including vehicle titling, dealer performance, ancillary product refunds, chargebacks, vendor management, reporting, and complex servicing resolution. You build strong vendor and business partner relationships while developing scalable processes that support Golden 1's multi-state lending and national expansion initiatives.

What You'll Do

• Administer and oversee vehicle titling platforms, vendor relationships, and related processes to support accurate, compliant, and efficient title perfection or ancillary refund activities.
• Monitor title perfection performance, analyze industry and regulatory trends, identify operational and compliance risks, and recommend improvements that support departmental goals and service excellence.
• Serve as the first point of contact for complex title-related legal matters and escalations, including closed dealerships, dealer fraud, ownership disputes, title defects, title processing for repossessed vehicles, and other issues that may affect the Credit Union’s collateral position.
• Administer and support title breach and dealer buyback and chargeback programs, including case research, correspondence, follow-up, recovery activities, reporting, and coordination with internal and external partners.
• Support out-of-state lending expansion by coordinating motor vehicle department registrations and setup requirements, vendor onboarding, title perfection processes, procedures, ancillary product add and refund processes, and operational readiness for new states and markets.
• Provide quality control and oversight of title transfer activities to promote the integrity, accuracy, and timely completion of title-related transactions.
• Serve as a subject matter expert for vehicle titling regulations, title perfection requirements, and industry practices, providing guidance to internal teams, vendors, and other business partners.
• Oversee ancillary product refund reporting, performance metrics, goals, and exception management for early payoffs, repossessed vehicles, and other applicable servicing events.
• Manage regulatory, compliance, reporting, and vendor-related activities associated with vehicle titling operations, including applicable registrations, bonds, and state requirements.
• Expand electronic title servicing, electronic payoff processing, and other vehicle loan related services.
• Build and maintain effective relationships with dealerships, vendors, legal partners, motor vehicle departments, regulatory agencies, and internal business units to support business objectives and mitigate risk.
• Maintain a thorough understanding of applicable state and federal laws, regulations, and Credit Union policies, including Bank Secrecy Act and anti-money laundering requirements appropriate to the position.
• Provide additional support throughout the department and perform other duties and special projects as assigned.

Qualificiations And Preferences

• H.S. Diploma or General Education Degree (GED) required
• Course completion in Motor Vehicle Titling or Title Management preferred
• 5+ years of relevant experience in a financial institution, motor vehicle agency, dealership or loan servicing department specializing in vehicle titling required

Why Join Us

Golden 1 Credit Union provides its employees a market-competitive and internally equitable total rewards compensation package through a variety of programs. These programs are designed to attract, motivate, and retain employees that drive and support the achievement of Our Mission, Vision, and Strategic Goals. The Credit Union is committed a total rewards philosophy built on; a comprehensive compensation package, well-being and work-life balance, career development and growth, rewards and recognition, and a commitment to Diversity, Equity and Inclusion. We believe in fostering a workplace where every employee is recognized, valued, and motivated to contribute their best.

Please view the full job description detailing the complete list of duties and expectations for this role by clicking or copying this URL into your browser: https://golden1.jdxpert.com/ShowJob.aspx?EntityID=2&id=3368

Disclaimer/Intent And Function Of Job Descriptions

The above information on this description has been designed to indicate the general nature and level of work performed by team members within this classification. Because the nature of positions and job functions can change over time, this job description is not designed to contain or be interpreted as a comprehensive inventory of all essential functions, duties, responsibilities and qualifications requirements of team members assigned to this job. Job duties may be changed or modified in the Credit Union’s discretion. The Credit Union will keep team members updated on key functions, duties, and requirements of their position by communications from the Credit Union and by updating the job description from time to time. Any team member with questions about the nature of their job duties is encouraged to consult with their supervisor.