Job Description: TITLE OFFICER/EXAMINER
Job Description: TITLE OFFICER/EXAMINER
The Title Officer is responsible for the examination of land records filed in the county clerk / register offices throughout the state(Deeds, Mortgages, Easements, Restrictions, Liens, Judgments, Filed Maps), as well as records obtained from municipal and state agencies / vendors that furnish tax & assessment searches, upper court and patriot searches, corporate status and franchise tax reports, UCC searches and chancery abstracts.
The documents are reviewed and examined in order to confirm ownership / title and locations of the properties being searched; and determine if easements and/or restrictions, or any liens or judgments were found on record affecting the land and/or the property owners. Based upon the title examination, a title commitment is prepared setting forth ownership, names of purchasers, sellers and lenders, if any. Requirements for the clients to close title are included as well as the exceptions that appear on record (easements, restrictions, etc.). Surveys are also reviewed to determine conditions that may affect the premises and set forth in a survey endorsement disclosing any further exceptions that may be noted. When the terms and conditions of the title commitment are complied with and accepted by all of the interested parties, closing can be scheduled.
Subsequent to closing and the recording of the legal documents in the county clerk / register’s office, or state offices, the final title policies for the owners and lenders are prepared and issued accordingly, setting forth all rights, title, interests and exceptions as agreed at the time of closing.
Commensurate with experience
Position Type and Expected Hours of Work
- Non-exempt – this position has no supervisory responsibilities
- Full-time position. Days and hours of work are Monday through Friday, 8:30 a.m. to 4:30 p.m. or 9:00 a.m. to 5:00 p.m.(35 hours per week total)
- High school diploma.
- Two years of title officer experience.
- Valid title producer’s license issued by the State of New Jersey and other state(s) as requested.
Required Knowledge, Skills and Abilities
- English fluency
- Proficiency in Microsoft Office programs, especially Word and Outlook
- Business letter writing experience, including proper use of spelling and grammar
- Ability to work with minimal supervision
- Must be able to maintain a high level of confidentiality pursuant to Federal and State privacy regulations and laws
- Excellent organizational skills
- Detail oriented
- Collaboration Skills.
Additional Eligibility Qualifications
- Prior title search experience, a plus
- Prior use of Title Express for real estate settlement a plus, or willingness to be trained.
- Willingness to learn various company software systems.
- Prior experience in an environment where client confidentiality was required, a plus.
Specific Title Officer Duties
- Order title searches through third-party vendors and local government agencies or organizations for copies oftitle documents that show evidence of ownership to properties, pursuant to incoming orders for title searches.
- Upon receipt of ordered searches, review records and other documents, including vital statistics and street and land maps and recorded or existing surveys, to determine the legal status of a title. Thoroughly examine all liens, judgments and mortgages to determine if any legal restrictions to ownership exist.
- Verify and confirm ownership, legal description of the property and property location using deeds, records, tax maps, filed maps and surveys provided; and check for zoning ordinances that may restrict the use of the property.
- Copy or abstract required information from documents such as mortgages and trust deeds for inclusion in title insurance policies.
- Review the documentation and create a title report on the title to the property.
- Carefully document any problems that could impact title to the property, such as the existence of unpaid property taxes.
- When requested, discuss the findings of the report with the client or attorney who ordered the report and where known, prescribe the necessary actions required to clear the title for the purposes of obtaining the requested title insurance.
- Prepare and issue title insurance policies that guarantee the legality of the requested title.
- Preparation of correspondence to clients and insured party(ies).
- Meticulous maintenance of client files.
Title Officer Skills and Specifications:
- Strong organizational skills
- Strong research capabilities.
- Excellent writing skills to present the information collected in a detailed manner.
- Good communication skills
- Awareness of, and familiarity with, the meaningof legal terms and laws that are related to real estate and real property title.
- Proficient understanding of real estate terms and language.
- Ability to work within deadlines, carefully follow up and meticulous attention to timeliness
Other Specific Requirements
Candidates must be authorized to work for any U.S. Company without requiring special employer sponsorship
This is largely a sedentary role. Typing is a repetitive activity and the majority of the work involves reading and computer use. The handling of medium volumes of files is required. Candidates for this position require the ability to lift multiple files at a time, open filing cabinets and bend or stand as necessary. There is no/minimal travel required in this position.
Two Rivers Title Company is an equal opportunity employer
This job description is not an employment agreement or contract. The Company has the exclusive right to alter this job description at any time, without notice. This job description is not intended to be all-inclusive. Employees may perform other related duties as negotiated to meet the ongoing needs of the organization.
Two Rivers Title Company, LLCJob Description: Title OfficerPage1