Document Specialist- Vehicle Lien Perfection

MidFirst Bank; Oklahoma City (OK); On-site; USD 52,000 - 68,000; Full time

Job summary

MidFirst Bank is seeking a Vehicle Lien Perfection Specialist to manage lien perfection on vehicle and consumer non-equity loans. You will research requirements, prepare and submit documents, and resolve title and lien issues with DMVs, dealerships, and financial institutions.

The role emphasizes attention to detail and independent work, with collaboration across departments. The candidate will handle perfection from start to finish, ensuring compliance and timely processing, while maintaining

Qualifications

• Experience in DMV/MVD operations, tag agency services, or dealership title operations.
• Experience in automotive finance or lending or vehicle title processing.
• Experience in lien perfection or collateral management.
• Detail-oriented admin, banking, or lending environment.
• Preference for interpreting state title and lien regulations.

Responsibilities

• Review vehicle loan documentation to determine lien perfection requirements per state regulations.
• Collect, prepare, and submit documentation to agencies for lien recording and perfection.
• Research title, registration, and lien issues with DMVs, tag agencies, dealerships, banks, and partners.
• Monitor and resolve lien perfection exceptions to reduce risk.
• Verify original documents for consumer non-equity loans and file UCC financing statements.

Skills

DMV Operations

Lien perfection

Documentation review

Regulatory compliance

Attention to detail

Job description

Description

The

• Review vehicle loan documentation and determine the requirements for perfecting liens under applicable state regulations.
• Collect, prepare, and submit required documentation to the appropriate agencies for lien recording and perfection.
• Research and resolve title, registration, and lien perfection issues by working with DMVs, tag agencies, dealerships, financial institutions, and other business partners.
• Monitor and resolve lien perfection exceptions to mitigate risk.
• Verify receipt of required original documents for consumer non-equity loans.
• Prepare and file UCC financing statements for consumer non-equity loans.
• Process consumer non-equity lien releases in accordance with established procedures.
• Partner with internal and external stakeholders to correct documentation deficiencies and obtain missing information.
• Submit collateral-related documents for recording in the appropriate jurisdiction.
• Maintain accurate records and follow up promptly on outstanding items.
• Perform other administrative and collateral-related duties as assigned.

Description

The Vehicle Lien Perfection Specialist is responsible for perfecting liens on vehicle and consumer non-equity loans in accordance with state-specific requirements. This role manages the lien perfection process from start to finish, including researching requirements, preparing and submitting documentation, resolving title and lien issues, and processing releases accurately and promptly. The successful candidate will be detail-oriented, proactive, and comfortable working independently while collaborating with government agencies, dealerships, financial institutions, and internal business partners.

Essential Duties And Responsibilities

• Review vehicle loan documentation and determine the requirements for perfecting liens under applicable state regulations.
• Collect, prepare, and submit required documentation to the appropriate agencies for lien recording and perfection.
• Research and resolve title, registration, and lien perfection issues by working with DMVs, tag agencies, dealerships, financial institutions, and other business partners.
• Monitor and resolve lien perfection exceptions to mitigate risk.
• Verify receipt of required original documents for consumer non-equity loans.
• Prepare and file UCC financing statements for consumer non-equity loans.
• Process consumer non-equity lien releases in accordance with established procedures.
• Partner with internal and external stakeholders to correct documentation deficiencies and obtain missing information.
• Submit collateral-related documents for recording in the appropriate jurisdiction.
• Maintain accurate records and follow up promptly on outstanding items.
• Perform other administrative and collateral-related duties as assigned.

Minimum Qualifications

Candidates must have at least one year of experience in one or more of the following areas:

• DMV or MVD operations
• Tag agency services
• Dealership title operations
• Automotive finance or lending
• Vehicle title and registration processing
• Lien perfection or collateral management
• Comparable experience in a detail-oriented administrative, banking, or lending environment

Preference will be given to candidates with experience interpreting state title and lien regulations.

Additional Knowledge, Skills, And Abilities

• Knowledge of vehicle titles, registration, and lien perfection processes.
• Ability to interpret and apply state-specific lien filing requirements.
• Experience reviewing legal and collateral documents.
• Proficiency with Microsoft Office applications and business systems.
• Strong research and investigative skills.
• Excellent written and verbal communication skills.
• Strong attention to detail, accuracy, organization, and time management.
• Ability to manage multiple priorities, meet deadlines, and work independently with minimal supervision.
• Sound critical-thinking and problem-solving skills.
• A customer-service mindset and the ability to build effective working relationships with internal and external partners.
• A proactive, self-motivated approach to identifying solutions and resolving issues.