Licensed Title Insurance Agent

We are seeking a detail-oriented and highly organized Licensed Title Insurance Agent to join our Alabama-based team. You will be responsible for the end-to-end title process from performing comprehensive title searches and examinations to issuing commitments and final policies. The ideal candidate will have a deep understanding of Alabama real estate law including the Alabama Title Insurance Act and will ensure all transactions are conducted with the highest level of accuracy and regulatory compliance.

• Title Examination: Conduct thorough searches of public records (deeds mortgages liens judgments and probate) to verify legal ownership and identify potential encumbrances.

• Commitment & Policy Production: Prepare and issue title insurance commitments and final policies in accordance with filed premium rates and underwriter guidelines.

• Escrow & Closing Management: Facilitate the real estate closing process including the management of escrow accounts proration of taxes and ensuring all TILA-RESPA (TRID) disclosures are accurate and timely.

• Regulatory Compliance: Ensure all files comply with Alabama Department of Insurance (ALDOI) regulations specifically the 60-day policy issuance rule post-closing (when premiums are collected).

• Recordation: Oversight of the legal recording of deeds mortgages and other instruments at the County Probate Court level.

• Stakeholder Coordination: Serve as the primary point of contact for real estate agents lenders attorneys and buyers/sellers to resolve complex title clouds or defects.

• Premium Management: Calculate and collect title insurance premiums accurately ensuring no prohibited rebating occurs per Alabama law. Apply Reissue Credits only when proper prior policy documentation is provided.

• Alabama Licensure: Must hold an active Alabama Title Insurance Agent License .

• Residency: Must be a bona fide resident of Alabama or a full-time employee of a licensed Alabama title agency with a physical office in the state.

• Education: High school diploma required; Bachelors degree in Finance Law or Business preferred.

• Age: Minimum of 19 years of age (Alabama statutory requirement).

• Continuing Education (CE): Commitment to maintaining the biennial 24-hour CE requirement including at least 3 hours of Ethics.

• Bonding: Familiarity with or ability to obtain a $50000 Designated Agent Bond if handling manufactured home titles or specific vehicle-related title services.

• Citizenship: Must meet the verification requirements of the Beason-Hammon Taxpayer and Citizen Protection Act .

• Industry Software: Proficiency in Qualia SoftPro or Easysoft is highly preferred.

• State Systems: Experience using the Alabama Title System (ALTS) for processing title applications.

• Research Tools: Mastery of online county probate search portals (e.g. Alacourt Landmark or similar county-specific databases).

• Mathematics: Strong ability to calculate prorations commissions and complex closing costs.

• Analytical Thinking: Ability to connect the dots in complex chains of title to identify fraud or clerical errors.

• Ethical Integrity: Strict adherence to Alabamas anti-rebating and rate-filing laws.

• Communication: Ability to explain complex legal title issues to non-technical clients in a professional empathetic manner.

• Salary Range: $45000 $75000 (Based on experience and commission structure).

• Benefits: Health Dental Vision 401(k) matching and coverage of annual licensing/CE fees.