Title Underwriter

Job Description
We are seeking a meticulous and analytical Title Underwriter to join our team. In this role, you will be responsible for evaluating risk and determining the insurability of real estate titles for residential and commercial transactions. Instead of evaluating a borrower's credit, you will dive deep into public records, deeds, maps, and legal documents to identify title defects, encumbrances, and liens. Your expertise will ensure our transactions clear smoothly and our policy liabilities are minimized.
Core Responsibilities

• Title Examination & Risk Assessment: Review and analyze title search reports, property deeds, plat maps, public records, and survey assessments to determine ownership, legal descriptions, and potential risks.
• Defect Identification: Evaluate and resolve title defects, including outstanding liens, judgments, unpaid taxes, easements, restrictions, fraud risks, and chain-of-title gaps.
• Underwriting Determinations: Establish requirements, exceptions, and conditions necessary for issuing clear title insurance commitments, binders, and final policies.
• Collaborative Problem Solving: Work closely with escrow officers, real estate attorneys, agents, and lenders to find creative, compliant solutions to clear "clouds on title" prior to closing.
• Regulatory Compliance: Ensure all underwriting decisions comply with local, state, and federal insurance regulations, as well as corporate risk tolerances and guidelines.

Qualifications
What you'll do:

• Title Examination & Risk Assessment: Review and analyze title search reports, property deeds, plat maps, public records, and survey assessments to determine ownership, legal descriptions, and potential risks.
• Defect Identification: Evaluate and resolve title defects, including outstanding liens, judgments, unpaid taxes, easements, restrictions, fraud risks, and chain-of-title gaps.
• Underwriting Determinations: Establish requirements, exceptions, and conditions necessary for issuing clear title insurance commitments, binders, and final policies.
• Collaborative Problem Solving: Work closely with escrow officers, real estate attorneys, agents, and lenders to find creative, compliant solutions to clear "clouds on title" prior to closing.
• Regulatory Compliance: Ensure all underwriting decisions comply with local, state, and federal insurance regulations, as well as corporate risk tolerances and guidelines.

What you'll bring:

• Experience: 3+ years of experience in title underwriting, title examination, or real estate law.
• Education & Licensing: High School Diploma or equivalent required; Bachelor's degree or State Title Insurance Agent License preferred (Juris Doctor is a major plus for counsel-level roles).
• Technical Knowledge: Deep understanding of real estate law, local title insurance rate structures, recording fees, and public registry systems.
• Software Proficiency: Experience utilizing specialized title production software (e.g., SoftPro, RamQuest, ResWare) and digital public record databases.

Key Skills & Core Competencies

• Meticulous Attention to Detail: An exceptional eye for spotting subtle discrepancies in legal descriptions or ancient public registries.
• Legal Literacy: Ability to confidently read and interpret complex legal documents, probate files, divorce decrees, and court judgments impacting property rights.
• Risk Mitigation: Strong analytical skills to balance corporate financial exposure with proactive customer service solutions.

Additional Information
Achieve well-being with:

• Hybrid and remote work opportunities
• 401 (k) with employer match
• Medical, dental, and vision with HSA and FSA options
• Competitive vacation and sick time off, as well as dedicated volunteer days
• Access to wellness support through Employee Assistance Program, Talkspace, and fitness discounts
• Up to $5,250 paid back to you on eligible education expenses
• Pet care discounts for your furry family members
• Financial support in times of hardship with our Achieve Care Fund
• A safe place to connect and a commitment to diversity and inclusion through our six employee resource groups

Join Achieve, change the future
At Achieve, we're changing millions of lives.
From the single parent trying to catch up on bills to the entrepreneur needing a loan for the next phase of growth, you'll get to be a part of their journey to a better financial future. We're proud to have over 3,000 employees in mostly hybrid and 100% remote roles across the United States with hubs in Arizona, California, and Texas. We are strategically growing our teams with more remote, work-from-home opportunities every day to better serve our members. A career at Achieve is more than a job-it's a place where you can make a true impact, have a sense of belonging, establish a fulfilling career, and put your well-being first.
Attention Agencies & Search Firms: We do not accept unsolicited candidate resumes or profiles. Please do not reach out to anyone within Achieve to market your services or candidates. All inquiries should be directed to Talent Acquisition only. We reserve the right to hire any candidates sent unsolicited and will not pay any fees without a contract signed by Achieve's Talent Acquisition leader.
Company Description
Achieve is a leading digital personal finance company. We help everyday people move from struggling to thriving by providing innovative, personalized financial solutions. By leveraging proprietary data and analytics, our solutions are tailored for each step of our member's financial journey to include personal loans, home equity loans, debt consolidation, financial tools and education. Every day, we get to help our members move their finances forward with care, compassion, and empathetic touch. We put people first and treat them like humans, not account numbers.