Titling Specialist

Caribou Financial; Denver (CO); On-site; USD 33,000 - 36,000; Full time

Benefits offered by this job

Equity options

Parking/Transit assistance

Flexible Time Off

Parental leave

Medical/dental/vision plans

Life and disability insurance

HSAs/FSAs

Professional development stipend

Employee referral program

Job summary

Caribou is seeking a Titling Specialist to join the Titling team in Denver. You will finalize auto refinance processes, manage lien perfection, and coordinate with customers, lenders, and agencies across all 50 states.

This is a fast-paced, detail-driven role requiring strong organization and communication. On-site in Denver, CO, you will handle high-volume tasks, maintain SLAs, and contribute to process improvements.

Qualifications

• Experience in document-heavy, process-driven work.
• Titling experience is a plus but not required.
• Clear and professional communicator across channels and able to research jurisdictional requirements.

Responsibilities

• Process and file liens to complete auto refinance across states.
• Communicate with customers, lenders, and agencies to obtain documents and verify payoff details.
• Track file progress in internal databases and SLAs.
• Coordinate with external titling partners and agencies to resolve issues.
• Manage document shipments and support remote signing sessions.

Skills

Attention to detail

Multi-step workflows

Professional communication

Tools

Google Workspace

Job description

At Caribou, we care about giving people financial freedom so they can focus on what’s most important to them. Today, less than two percent of Americans refinance their auto loans despite drastic increases in the cost of new and used cars. We see huge potential to help folks reduce their monthly auto payments and increase the predictability of those expenses over time. We do this by building technology to pair customers with credit unions, banks, and finance companies and by simplifying every step of the process. On average, our drivers save $162/month on their car loans while protecting their investment long term.

Caribou is led by leaders from the technology, automotive, and finance industries. We’re proud to be backed by a great team of investors, including QED Investors, Goldman Sachs, Moderne Ventures, Accomplice, Link Ventures, Motley Fool Ventures and others.

About the Role

Caribou is seeking a Titling Specialist to join our Titling team in Denver. You will play a central role in completing the auto refinance process for our customers, managing the documents and communications required to transfer liens accurately and on time across all 50-states. This is a high-volume, detail-oriented role, where your consistency, follow through, and ability to manage competing priorities directly impacts the customer experience.

In this role, you will…

• Process & Perfect Liens: Accurately receive, upload, review, and submit electronic and physical titling documents to complete the auto refinance process & later to various jurisdictions to ensure lien perfection.
• Customer & Partner Communication: Contact high numbers of customers, lenders, and jurisdictional organizations (via phone, text, email, and mail) to obtain missing documents and confirm loan payoff details.
• Manage Information & Tracking: Become a subject matter expert on national titling practices. Demonstrate advanced computer literacy by efficiently navigating and updating multiple internal databases, proprietary platforms, and tracking tools to manage file progress within set service level agreements (SLAs).
• Titling Partner Coordination: Submit files to and manage active holds with external titling partners and jurisdictional agencies. Interpret rejection reasons, and take initiative to resolve outstanding requirements with minimal direction.
• Document & Shipping Logistics: Create and manage high volumes of incoming and outgoing document shipments (e.g., FedEx) to customers, lending partners, and jurisdictions.
• Remote Signing Support: Facilitate remote wet-ink signing sessions using LongPen technology, including session preparation, electronic document verification, troubleshooting basic hardware/software connectivity issues, and post-session file maintenance, in accordance with departmental SOPs.
• Team Collaboration: Share jurisdictional research and contribute to team meetings to continuously improve the refinance and lien filing process.
• Document Storage & Audit: Manage and periodically audit document storage in the Denver office for compliance.

The essential functions of this role must be performed onsite in our Denver, Colorado office.

About You

You, like us, are driven to achieve your goals. At Caribou, we have just three core values: Give a damn. Velocity. Make the assist. We’re motivated. We race towards our goals. And we help each other along the way.

• Exceptional attention to detail and a track record of accuracy in high-volume work. Experience managing complex, multi-step workflows across multiple web-based platforms simultaneously, with the discipline to track file progress accurately and meet SLAs without close supervision.
• Experience in document-heavy, process-driven work. Backgrounds in mortgage processing, insurance claims, medical records, government or DMV processing, legal administration, or similar fields transfer well. Titling experience is a plus but not required.
• Clear and professional communicator across all channels — phone, email, text, and mail — with the ability to work through ambiguous situations, research jurisdictional requirements independently, and elevate findings so gaps can be documented and resolved.
• Experience with inbound/outbound shipment management and document generation on digital platforms; highly proficient in Google Workspace.
• Availability: Able to work weekdays between 7 AM and 7 PM based on business needs (standard shifts are 8 AM to 5 PM or 9 AM - 6 PM). Mandatory weekday attendance for the initial 2-week onboarding.
• Holding an active Notary Public commission is strongly preferred. Bilingual in Spanish/English is a plus.

Physical Demands: Must be able to lift and carry up to 50 pounds, walk, stand, crouch, kneel, and bend for extended periods to access office equipment and filing systems.

How we will take care of you

Everyone at Caribou is a valued team member. Our compensation and benefits package includes:

• Competitive compensation: $24/hr - $26/hr
• Equity options
• Parking and transit assistance for downtown Denver Office
• Generous paid time off including: Flexible Time Off (FTO) for all employees and 100% paid parental leave for all parents.
• Exceptional benefits including highly subsidized medical, dental, and vision plans, and fully company-paid mental health, disability, and basic life insurance.
• Optional benefits to suit your individual circumstances such as HSAs (with Caribou HSA contributions), FSAs, supplemental life and health, legal, and pet insurance.
• Up to $1,000 per year for eligible professional development expenses.
• Employee referral program

Our Core Values

We come from all walks of life and are joined together by our shared values, which guide our work and how we work together.

• Give a damn. What we’re doing matters. We show up determined to deliver results, and we love it.
• Velocity. We’re intentional about where we’re going and we race towards it.
• Make the assist. We have diverse strengths. We offer and ask for help so we all win.

The essential functions of this position require consistent attendance, availability, and active engagement throughout your full scheduled shift.

Caribou is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, age, disability, sexual orientation, pregnancy status, marital status, military or protected veteran status, genetics, or any other characteristic protected by law. This position is not restricted solely to the responsibilities listed above, and the scope and responsibilities are subject to change. A pre-employment background check is required as a condition of employment.

Applicants must be authorized to work in the United States without the need for active visa support or sponsorship. Are you legally authorized to work in the United states without active visa support or sponsorship? * Select...

This role is an on-site position. Do you presently reside in the greater Denver, CO area, and are you able to work in-office at our headquarters in downtown Denver, CO? * Select...

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Have you lived or worked outside of the United States for six months or more within the past five years? Any employment offer with Caribou is contingent upon a criminal background check. If you answered 'yes,' please note that this may cause delays in completing the background check * Select...