TONYA SPARKS
1475 Sand Bay Dr Sw Atlanta,GA
Summary
Detail-oriented Automotive Title & Loan Finance Specialist with 16 years of experience in title operations and auto loan finance. Expertise in lien resolution, payoff validation, and regulatory compliance supports high-volume dealership transactions. Skilled in coordinating with multiple stakeholders to resolve documentation issues and ensure timely processing, enhancing operational efficiency.
Overview
1
1
year of post-secondary education
16
16
years of professional experience
Work History
Automotive Title & Loan Finance Specialist
HYUNDAI CAPITAL AMERICA
Atlanta, GA
02.2014 - Current
- Manage high-volume automotive title and finance transactions in accordance with company policies, state requirements, and regulatory guidelines.
- Processed and validated retail and lease vehicle payoffs, ensuring timely closure of accounts and release of liens to maintain compliance with regulatory standards.
- Coordinated with dealerships, customers, financial institutions, insurance carriers, auction partners, vendors, and DMV representatives to efficiently resolve title and documentation issues.
- Review VINs, mileage disclosures, signatures, lien information, and supporting paperwork to identify errors that could delay title issuance or transfer.
- Managed total-loss claims, including accurate payoff calculations, Letters of Guarantee, title requirements, and supporting documentation to facilitate smooth claim resolutions.
- Process lien release escalations, Power of Attorney documentation, and out-of-state title transfers.
- Coordinate vehicle title and inventory activity associated with Manheim Auctions and wholesale vehicle transactions.
- Maintain deal documentation and audit trails; research missing paperwork, incorrect titles, payoff discrepancies, lien issues, and DMV requirements.
Automotive Title / Title Operations Specialist
AUTOMOBILE ACCEPTANCE CORPORATION
Riverdale, GA
05.2010 - 02.2014
- Managed automotive title processing and documentation for high-volume vehicle transactions.
- Prepared, reviewed, and processed title paperwork while ensuring accuracy of VINs, signatures, mileage, lien information, and ownership documentation.
- Coordinated title transfers, lien releases, and registration requirements to ensure compliance and timely processing.
- Collaborated with customers, dealerships, lenders, vendors, and state agencies to resolve title discrepancies and secure missing documentation.
- Maintained accurate records to meet time-sensitive title processing deadlines and support efficient operations.
- Resolved incorrect paperwork, missing signatures, lien issues, and state-specific title requirements.
- Supported retail and wholesale vehicle transactions through accurate title preparation and document management.
Education
Certificate - Information And Computer Systems
Aiken Technical College
Aiken, SC 06.1990 - 06.1991
Skills
- Automotive Title Operations Auto Loan Finance Retail & Lease Payoffs Lien Release & Escalation Title Processing & Transfers Captive Finance Operations Total Loss Claims Insurance Claim Resolution Letters of guarantee Power of attorney processing Out-of-State Title Transfers DMV & State Title Requirements Manheim Auction Coordination Vendor Management Regulatory Compliance Data Entry & Document Verification Microsoft Office / Excel Automotive Dealer Management Systems
- Microsoft Excel Microsoft Office Automotive Dealer Management Systems (DMS) Reynolds & Reynolds Dealertrack Automotive Finance Systems Title & Registration Systems Document management
- Manheim Auction Coordination
- Title Compliance
- Stakeholder coordination
- Title and finance resolution
- Time-sensitive transaction management
Personal Information
Title: AUTOMOTIVE TITLE & LOAN FINANCE SPECIALIST
SPECIALIZED EXPERIENCE
Title: AUTOMOTIVE TITLE & LOAN FINANCE SPECIALIST
CAREER HIGHLIGHT
Title: AUTOMOTIVE TITLE & LOAN FINANCE SPECIALIST
Timeline
Automotive Title & Loan Finance Specialist
HYUNDAI CAPITAL AMERICA
02.2014 - Current
Automotive Title / Title Operations Specialist
AUTOMOBILE ACCEPTANCE CORPORATION
05.2010 - 02.2014
Certificate - Information And Computer Systems
Aiken Technical College
06.1990 - 06.1991