Lien Perfection Specialist; Hybrid

At Exeter Finance, we are committed to helping customers find the right financing for their next vehicle purchase. By building strong relationships with our customers and network of dealer partners we are able to give options that make sense, getting customers behind the wheel of their car.

Every team member is integral to our success. Whether you’re at a servicing center helping customers with their loans, in the field building relationships with dealers, or supporting the company from its corporate offices, you'll enjoy a nurturing, invigorating and positive work environment.

Our vision is to be a premier finance company and lender of choice known for its People, Performance and Service.

Responsible for ensuring the accurate and timely perfection of liens on vehicle loans by managing the necessary documentation and compliance processes. This role involves coordinating with internal departments, third-party vendors, and regulatory agencies to ensure that liens are properly filed and that all associated legal requirements are met. This position plays a key role in protecting the company’s financial interests by ensuring that all loans are properly secured with valid liens, and that any discrepancies or issues are promptly addressed.

• Manage the lien perfection process for vehicle loans, ensuring that all lien documentation is properly filed with the appropriate authorities (e.g., Department of Motor Vehicles, state agencies) in a timely manner.

• Review loan files to verify that all necessary documentation is complete and accurate, including title information, lienholder details, and borrower signatures.

• Coordinate with internal teams such as loan servicing, funding, and compliance to ensure that lien perfection is carried out correctly at each stage of the loan lifecycle.

• Communicate with third-party vendors, including dealerships, title companies, and government agencies, to facilitate lien filings, corrections, and the resolution of any title-related issues.

• Resolve discrepancies or issues related to lien perfection, including missing documents, incorrect title information, or incomplete filings, working with relevant parties to ensure timely resolution.

• Ensure compliance with state-specific lien perfection laws, including legal requirements for filing liens, amendments, and releases, and keep up to date on changes to regulatory requirements.

• Track and monitor the status of lien filings to ensure that liens are perfected within required time frames, escalating any delays or issues to management as needed.

• Provide regular updates and reports on lien perfection progress, identifying any risks or potential delays in the process and proposing solutions to address them.

• Handle the preparation and filing of lien release documents upon loan payoff or vehicle repossession, ensuring all necessary steps are completed to release the lien and transfer title ownership.

• Assist in audits and compliance reviews by maintaining detailed and organized records of lien perfection transactions, including correspondence, filings, and status updates.

• Participate in continuous improvement initiatives by identifying and recommending process changes to enhance the efficiency, accuracy, and compliance of lien perfection operations.

• Maintain an in-depth understanding of lien laws, regulations, and industry best practices to ensure the company’s lien perfection process remains compliant and effective.

• Provide support and guidance to team members, assisting with complex lien issues and offering solutions to improve operational processes.

• Other duties as assigned

• Education:
  
  High school diploma or equivalent

• Work Experience:
  
  1+ years in auto finance operations

• Previous experience in lien perfection, title management, vehicle financing, or related fields, with a strong understanding of lien laws and vehicle title processing.

• Knowledge of state-specific lien perfection requirements and regulations, including the ability to navigate complex legal processes and document filings.

• Strong attention to detail, with the ability to review and process lien documentation accurately and…