Consumer Loan Servicing - Auto Servicing Analyst

Golden 1 Credit Union • Sacramento, CA

1d • Hybrid

About The Position

Golden 1 Credit Union is seeking an Auto Servicing Analyst in Consumer Loan Servicing. The role supports dealer-related auto loan servicing, protects the Credit Union’s interests, and serves as a trusted resource in specialized areas such as vehicle titling, dealer performance, ancillary product refunds, chargebacks, vendor management, reporting, and complex servicing resolution. The analyst builds vendor and business-partner relationships and develops scalable processes that support multi-state lending and national expansion initiatives.

The analyst administers vehicle titling platforms, vendor relationships, and related processes; supports title perfection and ancillary product refund activities; and provides quality control and oversight of title transfers. The position handles complex title-related matters and escalations, supports dealer buyback, title breach, and chargeback programs, and coordinates operational readiness for lending in new states and markets. It also oversees ancillary refund reporting and performance, manages regulatory and vendor-related titling activities, and helps expand electronic title servicing and payoff processing.

The role requires a high school diploma or GED and at least five years of relevant vehicle-titling experience in a financial institution, motor vehicle agency, dealership, or loan servicing department. Course completion in Motor Vehicle Titling or Title Management is preferred. Compensation is listed as $31.00–$34.00 per hour. The posting identifies the position as hybrid.

Requirements

• High school diploma or General Education Degree (GED).
• At least five years of relevant experience in a financial institution, motor vehicle agency, dealership, or loan servicing department specializing in vehicle titling.

Nice To Haves

• Course completion in Motor Vehicle Titling or Title Management.

Responsibilities

• Administer and oversee vehicle titling platforms, vendor relationships, and processes supporting 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.
• Serve as the first point of contact for complex title-related legal matters and escalations, including closed dealerships, dealer fraud, ownership disputes, title defects, and title processing for repossessed vehicles.
• Administer and support title breach, dealer buyback, and chargeback programs, including research, correspondence, follow-up, recovery activities, reporting, and coordination with partners.
• Coordinate motor vehicle department registrations and setup requirements, vendor onboarding, title perfection processes, procedures, ancillary product add and refund processes, and operational readiness for expansion into new states and markets.
• Provide quality control and oversight of title transfer activities to promote accurate and timely completion of title transactions.
• Serve as a subject matter expert on vehicle titling regulations, title perfection requirements, and industry practices, providing guidance to internal teams, vendors, and 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 registrations, bonds, and state requirements.
• Expand electronic title servicing, electronic payoff processing, and other vehicle-loan-related services.
• Build and maintain relationships with dealerships, vendors, legal partners, motor vehicle departments, regulatory agencies, and internal business units.
• Maintain knowledge of applicable state and federal laws, regulations, and Credit Union policies, including applicable Bank Secrecy Act and anti-money laundering requirements.
• Provide additional departmental support and perform other duties and special projects as assigned.

Benefits

• The Credit Union describes its total rewards philosophy as including comprehensive compensation, well-being and work-life balance, career development and growth, rewards and recognition, and a commitment to Diversity, Equity and Inclusion.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: High school or GED