Title Underwriter

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.

Requirements

• 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.
• 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 inqu

Additional Information

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.

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