Today the real estate closing process is confusing, complex, and filled with unfair costs to the consumer. These consumers are left without an advocate, nor do they feel like they know enough about the process to advocate for themselves. To make things worse, the real estate industry has been slow to deliver a customer-first experience or cost-saving automation, and homebuyers and sellers are left with piles of paperwork and fees they don’t understand. At Empora, we’re a team of technologists and real estate experts passionately delivering transparency, ease, and equity to this outdated, $36 billion industry.
Our mission is to make it easy to buy and sell real estate.
We are deeply connected to making the closing process fair, transparent, and empowering. We believe in fast delivery, smart implementation, and constant iteration to solve problems and delight customers. Empora team members enjoy significant autonomy while making meaningful impact through innovative technical solutions, and give individuals the power to drive their own projects and results. If you’re energized by the impact you can make at Empora, we’d love to talk to you!
The role
We are seeking a Title Curative to join our Operations Team at Empora. As one of the highest impact roles on our team, our Title Curatives examine title search results, translate requirements to the title commitment, create a clear to close plan, clear title items, and provide guidance regarding the transfer or refinance of property and the issuance of lender’s and owner’s policies of title insurance. We rely on our Title Curatives to exhibit meticulous attention to detail as they analyze search results and exemplary communication with their team members as they distill title issues into actionable items to clear.
We’re looking for someone with an affinity for working with investors and the experience in understanding their unique needs. They possess an attitude of extreme ownership to move the deal forward, and get a sense of pride removing roadblocks to closing by leveraging creative solutions.
Relentless focus on our clients: Our focus on our clients is unwavering - without them, we wouldn’t be here. As we iterate on our solutions, a better client experience is our ultimate goal.
Own your accountability: We do what we say we’re going to do, and we focus on the outcome. We actively remove blockers in our path to success. We seek a deep understanding of the problem so we can apply the right solution.
Win and lose as one team: There are no lone wolves here. We quiet our egos so we can collaborate effectively in service of our common mission and goals. We hold our team members to high standards while treating each other with compassion.
Strive for growth rather than perfection: Perfection serves the ego. We know there is always room for growth. We value feedback so we can improve as individuals and as a team.
Review title abstracts and chain of title, legal descriptions, surveys, lien searches, property taxes, probate, and bankruptcy documents
Prepare or review title commitments including requirements, endorsements, and exceptions
Cure title issues with speed and accuracy, and review all clearance documentation for sufficiency
Draft and review documents, deeds, affidavits, and state-specific recording transmittal forms
Review entity documents for authority and create signature blocks
Identify dower and witnessing requirements for documents
Effectively communicate and collaborate with internal team members to manage closing timelines and support in communication of issues to customers.
Collaborate with internal team members and underwriters to resolve issues as quickly as possible.
Prepare title policies and assist in the event of a claim
3+ years of well-rounded knowledge and expertise in all Title Curative functions, in several of our key states (OH, FL, PA, IN, MO, KY).
Experience executing Title Curative functions on investor deals (as opposed to traditional retail/refi).
Familiarity with assignment contracts, transactional funding, subject to, novation, double closings, title abstracts and chain of title, legal descriptions, surveys, lien searches, property taxes, probate, bankruptcy documents, commitments, endorsements, and title policies
An understanding of state-to-state curative requirements and variances
Ability to accurately analyze and evaluate documents as they relate to the title
Comprehensive knowledge of underwriting policies and guidelines
Comprehensive knowledge of real estate law and title and escrow curative procedures in addition to local regulatory title insurance laws & requirements
An insatiable desire to challenge and change the status quo in the title industry
Highly adaptable - easily adapts to new challenges, switches between tasks and priorities efficiently, and communicates effectively to various stakeholders–can resolve a wide range of title issues and translate them into a relatable context.
Highly efficient - ability to achieve significant results with minimal wasted effort as a result of effectively prioritizing urgent and important tasks across a portfolio of files. Surfaces recommendations and solutions to improve processes that drag on efficiency for both themselves and their team.
Focused and organized - stays focused amidst distractions in a remote/hybrid environment with minimal managerial oversight.
Ownership mindset - exhibits a sense of urgency toward customer desired closing dates, does whatever it takes to meet customer needs through agile management of the deal timeline and nimble problem solving.
Grit and perseverance - our clients often bring us deals that require as high degree of perseverance and problem solving. We are looking for someone who is eager to overcome challenges and exhibits a positive attitude even when the issues on the file seem insurmountable.
Driven - takes a proactive approach to problem solving and goes above and beyond at every opportunity for the customer. Has a high degree of pride in performing the Title Curative role with excellence and continuously reflects on ways they can improve and develop their skills.
Resident title insurance license is a plus, any additional non-resident title insurance license an added plus
Achievement of a law degree or bar admission is a plus
Empora offers a unique opportunity to have a significant impact on our product and the trajectory of our company, as well as meaningful growth opportunities for our team members. We are passionate about creating an environment where you can do work you're extremely proud of with a team of high-caliber individuals.
Additionally, you'll enjoy these benefits!
Competitive compensation
Comprehensive medical, dental, and vision coverage and HSAs (we cover 100% of employee premiums and 75% of dependent premiums)
Short and Long Term Disability coverage, and Basic Life Insurance
Paid parental leave
Flexible vacation policy
Technology and office setup provided so you can do your best work
Monthly phone and internet stipend
401(k) matching
This position requires the final candidate to successfully pass an E-Verify check
Empora Title is proud to be an Equal Employer Opportunity employer. We do not discriminate based upon race, religion, color, national origin, gender (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender identity, gender expression, age, status as a protected veteran, status as an individual with a disability, or other applicable legally protected characteristics.
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