Description
Examine title evidence, evaluate risk, clear defects, and issue title commitments and insurance policies for real property transactions, coordinating with searchers, escrow, lenders, and attorneys to ensure compliance with underwriting guidelines and recording statutes.
- • Review title searches and chains of title to determine insurability and required curative actions.
- • Prepare and issue title commitments, final policies, and endorsements within delegated authority.
- • Identify title defects such as liens, judgments, unreleased mortgages, breaks in chain, and tax delinquencies.
- • Verify legal descriptions, easements, restrictions, and survey or plat data; resolve discrepancies.
- • Draft requirements for releases, subordinations, affidavits, corrective deeds, and probate or entity documents.
- • Communicate requirements, exceptions, and clearance status to lenders, real estate agents, attorneys, and escrow staff.
- • Approve documents for recording and reject noncompliant instruments per statutory standards.
- • Coordinate payoffs, satisfactions, and recording of releases to clear encumbrances.
- • Enter and update title data, requirements, and exceptions in the title production system.
- • Prepare title reports outlining encumbrances and actions taken to cure defects.
- • Make underwriting decisions within authority and escalate complex risks to senior underwriters.
- • Calculate premiums, endorsements, recording taxes, and related fees.
- • Direct and review the work of examiners and searchers; provide technical guidance.
- • Audit closing packages for insurability and confirm all requirements were met before policy issuance.
- • Obtain maps, surveys, and public records from title plants, courthouses, and assessors.
- • Ensure compliance with ALTA Best Practices, company policies, and state and local regulations.
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Financial Services
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O*NET occupational data (work activities, skills, knowledge).
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Last reviewed: Jan 2026
