Servicing Title Curative Analyst

Summary:

The Analyst, Title Svc II – Servicing Operations Support is responsible for filing loan policy insurance claims against title issues as recommended by legal counsel or as determined upon examination of title reports. Evaluate and examine property reports and title policies to determine problems or restrictions with lien position and conveyances. Facilitate communication with attorneys and underwriters to determine best course of title resolution based on state laws and investor guidelines and requirements. Dispute counsel recommendations for resolution when deemed necessary. Assist management with documentation of department processes and procedures.

Essential Job Functions:

• Aid peers with review and analysis of complex title issues to determine steps for resolution.

• Review and analyze title issues denoted in property reports.

• Analyze and compare loan policies to property reports to assess additional exposure to risk and issues with lien position and conveyance.

• Abstract and verify property records using vendor databases and online services.

• Review, analyze, and interpret documents including but not limited to, loan documents, legal documents, policies, regulations, and guidelines.

• Obtain and compile documents required to file title claim.

• Maintain portfolio of title issues and detailed records of claim resolution or settlement, including timelines and correspondence.

• Investigate possible title issues initiated by borrower correspondence.

• Review and assess Homeowner / Condo Association liens for super-lien priority interest.

• Attorney-fee approvals and dispute of attorney-fee requests.

• Various functions using company systems and software, including but not limited to, proper file notations, loading of supporting documentation into imaging system of record, reviewing/completing assigned tasks, monitor attorney tasks and responses.

• Escalate issues involving potential loss of lien priority, monetary losses, or any other potential loss or risk exposure to management.

• Comply with all company policies and procedures

• Maintain regular and punctual attendance.

Supervisory Responsibilities:

This position is an individual contributor with no direct reports.

Qualifications:

To perform this job successfully, an individual must be able to perform each essential function satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required.

• Proficient in Microsoft Office.

• Excellent communication, both written and verbal.

• Meticulous organizational and follow-up skills.

• Extensive knowledge of legal terminology as it relates to title insurance and property law.

• Read, analyze and interpret legal documents, policies, regulations, and guidelines.

• Attention to detail with a high level of accuracy.

• Research, analytical, and problem-solving abilities.

• Self-manage time and task prioritization.

Education and/or Experience:

• High School Diploma required.

• Bachelor’s Degree, some post-secondary courses or certificate preferred.

• Two (2) to four (4) years of related experience.

Work Complexity:

Problems and issues faced are general, and require interpretation and some analysis of FFOC’s policies and procedures to understand and resolve.

Language Skills:

Ability to read, analyze, and interpret business reports, legal documents, government regulations, and investor guides. Ability to write reports and business correspondence. Ability to effectively present information and respond to questions from groups of employees, managers, clients, and legal professionals.

Mathematical Skills:

Ability to calculate figures and amounts such as percentages and interest. Ability to apply basic mathematical concepts and basic algebra.

Reasoning Ability:

Ability to define problems, collect and analyze data, establish facts, and draw valid conclusions. Ability to solve problems involving a variety of concrete variables with limited standardization.

Certificates, Licenses, Registrations:

None required.

Physical Demands:

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this job, the employee is frequently required to sit and talk or hear. The employee is occasionally required to stand; walk; use hands to finger, handle, or feel; and reach with hands and arms. The employee must occasionally lift and/or move up to 25 pounds.

Work Environment:

The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Work is normally performed in a typical interior office work environment which does not subject the employee to any hazardous or unpleasant elements. The noise level in the work environment is usually moderate.

Equal Employment Opportunity:

Freedom Mortgage is committed to providing equal employment opportunities to all employees and applicants without regard to race, ethnicity, color, sex, marital status, sexual orientation, gender identity or expression, pregnancy, religion, national origin, age (40 and over), disability, military status, genetic information or any other basis protected by applicable federal, state, or local laws.

Americans with Disabilities Act:

Applicants as well as employees who are or become disabled must be able to satisfactorily perform the essential job functions of the position either with or without reasonable accommodation. Applicants as well as employees are encouraged to meet with Human Resources as the organization shall review reasonable accommodations on a case-by-case basis in accordance with applicable law.

Job Responsibilities:

The statements reflect the general duties and responsibilities considered necessary to perform the essential functions of the job and should not be considered as an all-inclusive list of all the work requirements of the position. Freedom Mortgage Corporation may change the specific job duties with or without prior notice based on the needs of the organization.

About Us

For over 30 years, Freedom Mortgage has helped millions of Americans achieve their dreams of homeownership and financial betterment. The wellbeing and improvement of our customers’ lives and the communities in which they live fuels our ambition. We’re driven by boundless stamina and an unwavering focus on continuous collaboration, relentlessly seeking the right solutions for every customer and every loan every day.

Here at Freedom, we’re ambitious, restless, and hungry to reach new heights for our customers and for ourselves. We’re deeply committed to caring for the communities in which we work. Focused and determined, we’re wired to help our customers and each other as we continue to achieve incredible results.