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.
Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities
This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights notice from the Department of Labor.
Skills Required
- At least one year of experience in DMV or MVD operations, tag agency services, dealership title operations, automotive finance or lending, vehicle title and registration processing, lien perfection, collateral management, or comparable detail-oriented administrative, banking, or lending work.
- 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.
- Critical-thinking and problem-solving skills.
- Customer-service mindset and ability to build effective working relationships with internal and external partners.
- Proactive, self-motivated approach to identifying solutions and resolving issues.
- Experience interpreting state title and lien regulations.
MidFirst Bank Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about MidFirst Bank and has not been reviewed or approved by MidFirst Bank.
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Healthcare Strength — Health, dental, and vision coverage are available to eligible full‑time and part‑time employees, with company‑paid long‑term disability and an EAP included. Medical plans through Blue Cross Blue Shield and wellness incentives that can lower premiums are highlighted.
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Retirement Support — A company 401(k) match with a clear formula and a defined vesting schedule provides meaningful retirement support. Eligibility and enrollment timing are specified, reinforcing predictable access to the plan.
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Leave & Time Off Breadth — Paid vacation, paid sick leave, and paid holidays are emphasized, with a paid community service day also referenced. Time‑off offerings are portrayed as generous across materials.
MidFirst Bank Insights
What We Do
MidFirst Bank occupies a rare position within the banking industry. With $41.2 billion in assets, MidFirst Bank is the largest privately owned bank in the country. This combination of size and private ownership provides our customers with a special brand of banking. MidFirst Bank offers a full range of personal, commercial, trust, private banking and mortgage banking products and services. MidFirst is a strong commercial real estate lender and a major servicer of mortgage loans nationally. As a private business ourselves, we understand the unique needs of each business community we serve at each of our locations in Arizona (Phoenix), California (Los Angeles, Orange County, Santa Barbara, San Diego), Colorado (Boulder, Denver, Edwards, Fort Collins), Nevada (Las Vegas), Oklahoma (Oklahoma City, Tulsa, Western Oklahoma), Texas (Dallas, Houston, San Antonio) and Utah (Salt Lake City). Additionally, MidFirst Bank has commercial lending offices in Atlanta, Chicago, Nashville, New York City, Orlando, Raleigh and Southern California. We serve Southern California through 1st Century Bank, a division of MidFirst Bank. We also operate MidFirst Business Credit as a subsidiary of MidFirst Bank. MidFirst Bank provides services that compete with larger banks, while the people and culture truly define the MidFirst Bank difference. MidFirst provides exceptional financial and deeply committed customer service. Team members are loyal in their character, loyal in their personal commitment to customers, and loyal to always doing the right thing. MidFirst customers can always count on working with thoughtful, intelligent, honest professionals who are true to their financial goals. MidFirst Bank is a strong supporter of the communities they serve, investing time and money in important educational, charitable and civic organizations. Copyright © 2025 MidFirst Bank. All rights reserved. Member FDIC. Equal Housing Lender.
