What Does a Title Insurance Underwriter Do?
Title Insurance Underwriter: Job Overview
A title insurance underwriter evaluates the title search results for a property, assesses risk, and issues title insurance policies that protect lenders and buyers against potential legal claims or defects in ownership.
Key Responsibilities:
- Review and analyze title search documentation for accuracy and completeness
- Identify title issues, such as liens, encumbrances, easements, or ownership disputes
- Determine insurability and appropriate coverage based on underwriting guidelines and risk assessment
- Draft and issue title commitments and final policies
- Communicate with title agents, attorneys, and other parties to resolve title issues
- Ensure compliance with company, state, and federal regulations
- Stay up to date with industry practices, underwriting standards, and changes in title law
Qualifications:
- Bachelor's degree or equivalent work experience in real estate, law, or insurance
- 2+ years of experience in title underwriting or a related field
- Strong understanding of title insurance policies, legal descriptions, and real estate documents
- Familiarity with ALTA and state-specific underwriting guidelines
- Excellent analytical, communication, and problem-solving skills
- Proficient in title software and Microsoft Office Suite
Preferred Qualifications:
- Licensed Title Agent or prior experience with a national underwriter
- Experience with both residential and commercial title transactions
