Title Analyst

Summary:

The Analyst, Title Svc I - Servicing operations support is responsible for filing loan policy insurance claims against title issues as recommended by legal counsel or as determined upon examination of title reports, while ensuring compliance of all state, federal, and investor guidelines. Analyze property reports and title policies to determine problems or restrictions with lien position and conveyances. Work directly with attorneys and underwriters to determine best course of title resolution based on state laws and investor requirements. Routine follow-up and communication with underwriters, internal and external counsel, lines of business, and management.

Essential Job Functions:

• Review and analyze title issues denoted in property reports
• Analyze and compare loan policies to property reports to assess additional exposure to risk and issues with lien position and conveyance
• Abstract and verify property records using vendor databases and online services
• Review, analyze, and interpret documents including but not limited to, loan documents, legal documents, policies, regulations, and guidelines
• Obtain and compile documents required to file title claim
• Assist with research and analysis of complex title issues
• Investigate possible title issues initiated by borrower correspondence
• Maintain portfolio of title issues and detailed records of claim resolution or settlement, including timelines and correspondence
• Review and assess Homeowner / Condo Association liens for super-lien priority interest
• Attorney-fee approval and dispute of attorney-fee requests
• Various functions using company systems and software, including but not limited to, proper file notations, loading of supporting documentation into imaging system of record, reviewing/completing assigned tasks, monitor attorney tasks and responses.
• Escalate issues involving potential loss of lien priority, monetary losses, or any other potential loss or risk exposure to management
• Prepare monthly status reports for management
• Maintain regular and punctual attendance.

Other Related Duties:

Performs other related duties as assigned.

Supervisory Responsibilities:

This position has no supervisory responsibilities.

Qualifications:

To perform this job successfully, an individual must be able to perform each essential function satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions of the job.

• Proficient in Microsoft Office
• Excellent communication, both written and verbal
• Meticulous organizational and follow-up skills
• Well-rounded knowledge of legal terminology as it relates to title insurance and property law
• Read, analyze and interpret legal documents, policies, regulations, and guidelines
• Attention to detail with a high level of accuracy
• Research, analytical, and problem-solving abilities
• Self-manage time and task prioritization

Education and/or Experience:

• High School Diploma Required
• Bachelor’s Degree from a Four (4) year College or University preferred; or 2 plus years industry related experience and/ or training; or equivalent combination of education and experience.

Language Skills:

Ability to read, analyze, and interpret business reports, legal documents, government regulations, and investor guides. Ability to write reports and business correspondence. Ability to effectively present information and respond to questions from groups of employees, managers, clients, and legal professionals.

Mathematical Skills:

Ability to calculate figures and amounts such as percentages and interest. Ability to apply basic mathematical concepts and basic algebra. 

Reasoning Ability:

Ability to define problems, collect and analyze data, establish facts, and draw valid conclusions. Ability to solve problems involving a variety of concrete variables with limited standardization.

Certificates, Licenses, Registrations:

None required.

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. 

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 may be made to enable individuals with disabilities to perform the essential functions. The noise level in the work environment is usually moderate. Work is normally performed in a typical office environment which does not subject the employee to any hazardous elements.

Equal Employment Opportunity

Freedom Mortgage is committed to providing equal employment opportunities to all employees and applicants without regard to race, ethnicity, color, sex, marital status, sexual orientation, gender identity or expression, pregnancy, religion, national origin, age (40 and over), disability, military status, genetic information or any other basis protected by applicable federal, state, or local laws.

Americans with Disabilities Act

Applicants as well as employees who are or become disabled must be able to satisfactorily perform the essential job functions of the position either with or without reasonable accommodation. Applicants as well as employees are encouraged to meet with Human Resources as the organization shall review reasonable accommodations on a case-by-case basis in accordance with applicable law.

Job Responsibilities

The following statements reflect the general duties and responsibilities considered necessary to perform the essential functions of the job and should not be considered as an all-inclusive list of all the work requirements of the position. Freedom Mortgage Corporation may change the specific job duties with or without prior notice based on the needs of the organization.