Senior Title and Escrow Agent

Position Title: Senior Title and Escrow Agent

Business Unit: Mortgage Administration

Reports to: Supervisor of Title and Escrow Agents

Position Overview:

This position is primarily responsible for assisting with the day to day operations of the title insurance department, such as handling the title order process, obtaining and reviewing the title examination and clearing title issues. Will coordinate the scheduling of the closing. Will provide guidance and support to the title insurance team. Will work on special projects as assigned by the Supervisor or Manager of Title Insurance. Will provide the highest quality of customer service to both internal and external customers serviced by First National Services Insurance Company.

Primary Responsibilities:

Place title search orders through underwriter. Order tax/utility certifications through approved vendor.

Underwrite title commitments and identify title issues to be cleared according to title underwriting and corporate guidelines. Calculate and disclose the correct title insurance premium as it relates to the specific transaction. Issue final lender and owner title insurance policies assuring that all requirements have been met.

Create title pack to be sent to the lender to include the following: authorized agent letter, title commitment, closing protection letter, title affidavits, wire instructions and preliminary Closing Disclosure or settlement statement, as applicable.

Review title commitment for items requiring clearance prior to closing. Complete lender tax information sheet. Obtain mortgage, judgment and other lien payoffs as well as any other documentation as required to provide clear title.

Prepare Closing Disclosure and/or settlement statement per lender instructions. Coordinate closing date, time and location. Review Closing Disclosure and/or settlement statement with all parties prior to closing. Confirm receipt of funds for closing and disburse according to the Closing Disclosure and/or settlement statement and ledger.

Prepare settlement statement per lender instructions. Coordinate closing date, time and location. Confirm receipt of funds for closing and disburse according to the settlement statement and ledger. Prepare and maintain daily and monthly reconciliations for the escrow, transaction and recording accounts.

Attend and conduct real estate closings as assigned by the Supervisor or Manager of Title Insurance.

Prepare and maintain, if assigned, daily and monthly reconciliations for the escrow, transaction and recording accounts.

Performs other related duties and projects as assigned.

All employees have the responsibility and the accountability to serve as risk managers for their businesses by understanding, reporting, responding to, managing and monitoring the risk they encounter daily as required by F.N.B. Corporation's risk management program.

F.N.B. Corporation is committed to achieving superior levels of compliance by adhering to regulatory laws and guidelines. Compliance with regulatory laws and company procedures is a required component of all position descriptions.

Minimum Level of Education Required to Perform the Primary Responsibilities of this Position:

High School or GED

Minimum # of Years of Job Related Experience Required to Perform the Primary Responsibilities of this Position:

3

Skills Required to Perform the Primary Responsibilities of this Position:

Excellent project management skills

Excellent communication skills, both written and verbal

Excellent organizational, analytical and interpersonal skills

Ability to use general office equipment

Ability to use a personal computer and job-related software

MS Word - Intermediate Level

MS Excel - Intermediate Level

MS PowerPoint - Basic Level

Licensures/Certifications Required to Perform the Primary Responsibilities of this Position:

Title Agent License

Physical Requirements or Work Conditions Beyond Traditional Office Work:

N/A