Title review & risk assessment
● Review title commitments, title reports, legal descriptions, and related documents for U.S. residential mortgage transactions.
● Confirm current vesting, identify all liens, judgments, and encumbrances, and validate that ZHL’s lien position will be appropriately secured.
● Identify and clearly document title defects, curative items, and exceptions that may impact insurability, marketability, or ZHL’s collateral position.
● Evaluate requirements and exceptions listed in title commitments and determine what is needed for clear-to-close from a title perspective.
● Where appropriate, recommend actions such as curative work, updated title, endorsements, or escalations to protect ZHL from title-related loss.
Quality, efficiency, and process discipline
● Apply a defect-prevention mindset, focusing on up-front clarity that minimizes rework for title agents, processors, and underwriters.
● Balance quality and speed, consistently meeting or exceeding turnaround and volume expectations without compromising risk standards.
● Use and help refine checklists, SOPs, and job aids that drive consistency in title review and conditions across the team.
● Support adherence to investor, insurer, and internal ZHL requirements related to title, vesting, and lien position.
Cross-functional collaboration
● Partner closely with the processing team to:
○ Clarify title-related conditions and curative requirements.
○ Structure effective requests to title/settlement partners.
○ Resolve open items quickly to keep files moving toward closing.
● Work tangentially with underwriting, aligning on acceptable risk for complex vesting/lien scenarios and escalation paths.
● Communicate clearly in English, providing concise, actionable notes and condition language that non‑title experts can easily understand.
Building a new capability
● Surface recurring defect patterns, curative bottlenecks, and risk themes to leadership to inform training, technology, and process improvements.
● Participate in calibration sessions, quality reviews, and knowledge-sharing to strengthen consistency across the team.