GENERAL PURPOSE

Title Examiners are responsible for abstracting and examining documents from the public records and providing title opinions based on the facts and documentation. This is achieved by using extensive title knowledge to examine the prior chain of title and all relevant documents for errors, identifying any title issues, & taking the necessary steps to ensure a clear title. In addition, the title examiner is responsible for providing accurate/ professional title commitments, while maintaining a high level of productivity in assessing risk and liabilities in accordance with policy provisions.

ESSENTIAL FUNCTIONS

• Performs title examination and examines the chain of title for a wide range of title orders, primarily residential refinance, purchase and REO properties
• Analyze and evaluate full title searches and identify issues or matters that cloud title or impair the process
• For foreclosures, review the entire case to confirm that the foreclosure was properly conducted and complies with all state and federal requirements
• Determine which liens showing on title were divested or will be divested with the recordation of the Foreclosure Deed
• Add appropriate requirements and exceptions to the commitment for issues that will need to be resolved prior to closing
• Abstracts and analyzes records, such as mortgages, liens, judgments, easements, vital statistics, and plat and map books, to determine ownership and legal restrictions and to verify legal description of property and completeness of records
• Resolves most issues such as missing information, incomplete, inaccurate or contradictory information contained in the title documentation
• Prepares initial title commitment documentation based on the application of procedural guidelines
• Communicate with office staff and clients regarding issues with requested title insurance coverage or defects that may impact the closing of a transaction
• Perform other duties as assigned by manager

QUALIFICATIONS AND EDUCATION REQUIREMENTS

• High School diploma or GED required, Baccalaureate degree preferred
• 7 years of experience in the title industry, national or regional experience preferred
• Full understanding of underwriters Mutual Indemnification Agreements (MIA)
• Work under general supervision
• Ability to make well-reasoned risk decisions
• Experience utilizing ResWare or similar title software preferred
• 3 years of experience with examining purchase and foreclosure transactions

REASONING ABILITY

• Ability to define problems, collect data, establish facts, and draw valid conclusions. Ability to solve practical problems and deal with a variety of concrete variables in situations where only limited standardization exists. Ability to interpret a variety of instructions furnished in written, oral, diagram, or schedule form.
• Ability to map out legal descriptions.

PHYSICAL DEMANDS

• The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

• While performing the duties of this job, the employee is regularly required to talk or hear. The employee frequently is required to sit. The employee is occasionally required to stand; walk; use hands to finger, handle, or feel; reach with hands and arms; climb or balance; stoop, kneel, crouch, or crawl; and taste or smell. The employee must frequently lift and/or move up to 25pounds. Specific vision abilities required by this job include close vision, distance vision, color vision, depth perception, and ability to adjust focus.

WORK ENVIRONMENT

• The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations maybe made to enable individuals with disabilities to perform the essential functions. The noise level in the work environment is usually moderate.

NOTE: This job description is not intended to be an exhausted list of duties, responsibilities, or qualifications associated with the job.

Ardán offers some great perks:

• Health, dental, and vision benefits
• Employer paid disability and life insurance
• Flexible spending accounts
• 401K with company match
• Paid time off and company paid holidays
• Wellness resources

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