Job Role Description

Mortgage and Lending > Title Examiner

Salary National Average

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45110.0000 53770.0000 64080.0000

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Short Description:

A Title Examiner is responsible for researching and analyzing property records to verify legal ownership, identify any liens, encumbrances, or claims, and ensure clear title for real estate transactions. They examine public records, deeds, mortgages, and other legal documents to ensure all property information is accurate and up to date. Title Examiners also prepare title reports and work closely with attorneys, title agents, and other professionals to resolve any title issues. Strong attention to detail, knowledge of property law, and the ability to interpret complex legal documents are essential for success in this role.

Duties / Responsibilities:

  • Prepare lists of all legal instruments applying to a specific piece of land and its buildings.
  • Examine documentation such as mortgages, liens, judgments, easements, plat books, maps, contracts, and agreements in order to verify factors such as properties' legal descriptions, ownership, or restrictions.
  • Read search requests to ascertain types of title evidence required and obtain descriptions of properties and names of involved parties.
  • Copy or summarize recorded documents that affect property titles, such as mortgages, trust deeds, and contracts.
  • Examine individual titles to determine if restrictions, such as delinquent taxes, will affect titles and limit property use.
  • Prepare reports describing any title encumbrances encountered during searching activities and outlining actions needed to clear titles.
  • Verify accuracy and completeness of land-related documents accepted for registration; prepare rejection notices when documents are not acceptable.
  • Confer with realtors, lending institution personnel, buyers, sellers, contractors, surveyors, and courthouse personnel to exchange title-related information or resolve problems.
  • Enter appropriate data into recordkeeping systems to create new title records or update existing ones.
  • Direct workers who search records, examine titles, assign, schedule, evaluate work, and provide technical guidance as necessary.

Skills / Requirements / Qualifications

  • Clerical: Knowledge of administrative and clerical procedures and systems such as word processing, managing files and records, stenography and transcription, designing forms, and other office procedures and terminology.
  • Customer and Personal Service: Knowledge of principles and processes for providing customer and personal services. This includes customer needs assessment, meeting quality standards for services, and evaluation of customer satisfaction.
  • English Language: Knowledge of the English language's structure and content, including the meaning and spelling of words, rules of composition, and grammar.
  • Law and Government: Knowledge of laws, legal codes, court procedures, precedents, government regulations, executive orders, agency rules, and the democratic political process.
  • Geography: Knowledge of principles and methods for describing the features of land, sea, and air masses, including their physical characteristics, locations, interrelationships, and distribution of plant, animal, and human life.

Job Zones

  • Education: Most occupations in this zone require training in vocational schools, related on-the-job experience, or an associate's degree.
  • Related Experience: Previous work-related skill, knowledge, or experience is required for these occupations. 
  • Job Training: Employees in these occupations usually need one or two years of on-the-job experience and informal training with experienced workers. A recognized apprenticeship program may be associated with these occupations.
  • Job Zone Examples: These occupations usually involve communication and organizational skills to coordinate, supervise, manage, or train others to accomplish goals. Examples include food service managers, electricians, agricultural technicians, legal secretaries, interviewers, and insurance sales agents.
  • Specific Vocational Preparation in years: 1-2 years preparation (6.0 to < 7.0)

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