DMV Processor I at Sierra Central Credit Union – Yuba City, California

Summary

Responsible for the accurate and timely processing of all DMV title and registration work associated with consumer loans. This role ensures lien perfection, proper documentation, and compliance with all regulatory and internal requirements while supporting a high-quality member and dealer experience. The DMV Processor I is accountable for maintaining accuracy, meeting established timelines, and proactively identifying and resolving issues throughout the loan lifecycle.

Essential Functions

1. Review incoming title and registration documentation for completeness, accuracy, and proper lien perfection within required timeframes.
2. Process DMV title and registration transactions, including fee calculations, lien recordings, transfers, and payoffs, in accordance with state regulations.
3. Verify loan files meet all internal controls, compliance, and regulatory requirements prior to audit submission.
4. Accurately track all DMV-related activity, including pending title work, unperfected liens, and outstanding documentation.
5. Monitor and manage unperfected titles, including files exceeding 45 days, ensuring timely resolution and appropriate escalation when needed.
6. Communicate professionally with internal teams, members, dealerships, DMV offices, and third-party vendors to resolve title, lien, and documentation issues.
7. Research and resolve discrepancies related to titles, fees, lien filings, or documentation, escalating issues as appropriate.
8. Process incoming title work packages from consumer lending and other loan origination channels.
9. Complete loan payoffs and related DMV transactions, including accurate system posting and reconciliation.
10. Maintain detailed logs and reports to track DMV activity, general ledger balancing, and title status.
11. Prepare loan and title files for audit, imaging, and retention in accordance with internal document management standards.
12. Maintain organized, complete, and audit-ready files at all times.
13. Respond to inquiries from staff, members, and dealership partners regarding DMV processing and title status.
14. Stay current on applicable DMV regulations, title and registration requirements, and internal procedures.
15. Support departmental risk management efforts and ensure compliance with all policies, procedures, and regulatory standards.
16. Meet established service level agreements and turnaround times for title processing, payoffs, and related transactions.
17. Demonstrate ownership and accountability for assigned files from loan funding through final title completion.
18. Adhere to internal audit standards, including defined quality expectations and acceptable error thresholds.
19. Participate in audits, reviews, and corrective action processes, demonstrating accountability and continuous improvement.
20. Proactively identify trends, delays, or recurring issues and communicate recommendations for process improvement.
21. Identify and escalate service gaps or process inefficiencies that may impact loan flow, compliance, or the member experience.
22. Perform additional duties as assigned to support department operations and business needs.

Required Skills and Abilities

1. Demonstrated ability to communicate effectively in both written and verbal formats, including professional and courteous phone etiquette.
2. Communicate clearly, accurately, and professionally to reduce processing delays and promote transparency throughout DMV workflows.
3. Collaborate effectively with lending, branch, dealer, and internal support teams to ensure timely processing and resolution of issues.
4. Exceptional attention to detail with the ability to maintain high accuracy in a fast-paced, high-volume environment.
5. Strong organizational, time management, and follow-up skills to manage multiple tasks and competing priorities efficiently.
6. Proven ability to identify discrepancies or issues, research applicable regulations or requirements, and implement appropriate solutions.
7. Self-motivated and accountable, with the ability to work independently while consistently meeting deadlines and performance standards.
8. Maintain consistently high accuracy standards while minimizing errors, rework, and processing exceptions.
9. Commitment to supporting a positive member and dealer experience through timely, accurate, and compliant DMV documentation processing.

Education and Experience

1. High School Diploma or equivalent required.
2. Minimum of 1 year of experience in a clerical or administrative role; financial institution experience preferred
3. Basic knowledge of DMV regulations, title processing, and collateral documentation preferred.
4. Working knowledge of Microsoft Office products and standard office equipment.

Physical Requirements and Work Environment

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential function of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

1. Prolonged periods of sitting at a desk and working on a computer – 7 to 8 hours per day.
2. Light lifting, carrying, pushing and/or pulling objects up to 25 lbs.
3. Intermittent walking and bending.
4. General office environment: works generally at a desk in a well-lighted, air-conditioned cubicle/office, with moderate noise levels.

Work Location
This is an on-site position at our Corporate Headquarters in Yuba City, CA.

Compensation Range

The company anticipates offering an hourly range between $22.78 and $24.34 for this position at the time of hire. This range includes base salary (or hourly wages) and does not include possible overtime for non-exempt employees or any applicable performance-based incentives or commissions.

Annual Merit Increase

Employees are eligible for a discretionary yearly merit-based salary adjustment, based on individual performance and company results.

Comprehensive Benefits Package

We provide a robust benefits package designed to support your health, financial security, and work-life balance including:

• Medical, Dental & Vision Insurance options
• Voluntary Lines including hospital indemnity, accident, and critical illness policies
• Company Paid HRA (with enrollment in certain health plans)
• Company Paid Basic Term Life Insurance
  • Coverage at 2× annual base salary, up to a maximum of $500,000 for full-time employees
  • $25,000 for part-time employees
• Company Paid Long-Term Disability Insurance for Full-Time Employees
• Company Paid Telehealth Services Membership (Teladoc)
• Company Paid Employee Assistance Program (EAP)
• 401(k) Retirement Plan
  • Employer-funded safe harbor contribution of 3% of employee's eligible earnings
  • Discretionary employer match on employee contributions
• Flexible Spending Accounts
  • HSA
  • Medical FSA
  • Dependent Care FSA
  • Limited Purpose FSA
• Paid Time Off
  • Vacation accruals based on status and tenure within company
  • 12 sick days accrued annually for full-time employees
  • 1 hour for every 30 hours worked for part-time employees
  • 11 paid holidays (eligible after 90 days of employment)
• Travel Expense Reimbursement
  • All necessary and work-related travel expenses will be reimbursed in accordance with company policy

The preceding list of duties does not include all tasks and responsibilities that may be required with this position. Additional tasks may be assigned, as departmental and operational needs require.