Title Processor
💰 $45,000 - $65,000
Real EstateLegalAdministrativeFinance
🎯 Role Definition
As a Title Processor, you are the central hub of the real estate closing process. You will be responsible for meticulously managing the administrative and clerical lifecycle of a title file, ensuring every detail is perfect for a successful property transfer. This role requires a sharp eye for detail, exceptional organizational skills, and the ability to communicate effectively with a diverse group of clients, real estate agents, lenders, and legal professionals. You will be the trusted expert who clears the path for buyers and sellers, transforming a complex process into a seamless experience and safeguarding the integrity of each transaction.
📈 Career Progression
Typical Career Path
Entry Point From:
- Real Estate Assistant
- Mortgage Loan Processor Assistant
- Legal Assistant or Paralegal
Advancement To:
- Senior Title Processor or Closing Coordinator
- Escrow Officer or Licensed Closer
- Title Examiner or Underwriter
Lateral Moves:
- Mortgage Loan Processor
- Post-Closing Specialist
- Real Estate Paralegal
Core Responsibilities
Primary Functions
- Proactively manage a pipeline of residential and/or commercial real estate files from the opening of the order through post-closing.
- Conduct thorough reviews of real estate purchase agreements and lender instructions to ascertain all transactional requirements and timelines.
- Initiate and order all necessary title evidence, property surveys, lien searches, and homeowner/condominium association estoppel letters.
- Meticulously examine title commitments to identify liens, judgments, encumbrances, and other potential title defects that require resolution.
- Serve as the primary point of contact, communicating proactively with clients, realtors, lenders, and attorneys to gather necessary documentation and provide regular status updates.
- Diligently work to clear title requirements, including ordering payoff statements for existing mortgages and liens and coordinating the execution of necessary releases.
- Expertly prepare preliminary and final Closing Disclosures (CDs) and ALTA Settlement Statements in strict compliance with TRID regulations and lender requirements.
- Precisely calculate all prorations, adjustments, and figures to balance the settlement statement and ensure all financial components of the transaction are accurate.
- Compile and organize the complete closing package, ensuring all documents are prepared, reviewed for accuracy, and ready for settlement.
- Coordinate and schedule closing appointments with all parties, confirming time, location, and necessary attendees for a smooth closing day experience.
- Prepare essential legal closing documents, such as deeds, affidavits, and powers of attorney, ensuring they meet all state and local requirements.
- Assist the Escrow Officer in the careful receipt and disbursement of all escrowed funds according to the approved settlement statement.
- Submit executed closing documents for recording to the appropriate county or municipal offices and diligently track their status until officially recorded.
- Following a successful closing, prepare and issue the final owner's and lender's title insurance policies.
- Address and resolve any post-closing issues, such as recording rejections or unreleased prior liens, to finalize the file completely.
Secondary Functions
- Maintain a high level of customer service and professionalism, building strong relationships with clients and industry partners to foster repeat business.
- Ensure rigorous adherence to company policies, industry best practices, and all relevant state and federal regulations, including RESPA.
- Efficiently utilize title production software (e.g., Qualia, SoftPro, RamQuest) for file management, document generation, and communication logging.
- Support closing and escrow officers with various pre-closing and post-closing tasks to enhance team efficiency and file flow.
- Perform comprehensive quality control reviews on all documentation to minimize errors and ensure compliance before and after settlement.
- Act as a knowledgeable resource for clients and real estate agents, answering questions about the title and closing process with clarity and confidence.
Required Skills & Competencies
Hard Skills (Technical)
- Deep proficiency in using title production software such as Qualia, SoftPro, or RamQuest.
- Strong working knowledge of TRID and RESPA guidelines and their application to the closing process.
- Expertise in preparing and balancing Closing Disclosures (CDs) and ALTA Settlement Statements.
- Comprehensive understanding of title insurance commitments, endorsements, and the process of clearing title defects.
- Ability to accurately read, interpret, and plot legal descriptions, surveys, and plat maps.
- High-speed data entry and typing skills with an emphasis on accuracy.
- Familiarity with electronic recording procedures and platforms.
Soft Skills
- Exceptional attention to detail and a commitment to accuracy in a fast-paced environment.
- Superior organizational and time-management skills, with a proven ability to manage a high-volume caseload and prioritize tasks effectively.
- Excellent verbal and written communication skills for professional interaction with all transaction stakeholders.
- Proactive problem-solving and critical-thinking abilities to identify and resolve issues before they impact closing.
- A strong customer-service orientation and the ability to remain calm and effective under pressure.
- Ability to work both independently with minimal supervision and collaboratively as part of a cohesive team.
Education & Experience
Educational Background
Minimum Education:
- High School Diploma or GED equivalent.
Preferred Education:
- Associate's or Bachelor's degree.
- State-issued Title Insurance License or Notary Public commission is highly desirable.
Relevant Fields of Study:
- Real Estate
- Business Administration
- Paralegal or Legal Studies
- Finance
Experience Requirements
Typical Experience Range: 2-5 years of direct experience in the title insurance, mortgage, or real estate closing industry.
Preferred: A minimum of 2 years of dedicated experience working as a Title Processor on residential resale and refinance transactions.