Rate ยท 2 days ago
Lead Florida Underwriter
Florida, United States
Full-time
Onsite
Senior Level
5+ years expAdvocus National Title Insurance Company is committed to supporting agents and protecting consumers in real estate transactions. The Florida Lead Underwriter is responsible for evaluating title risk, issuing underwriting decisions, and guiding agents and staff while leading the underwriting function in Florida.
Consumer LendingFinanceFinancial ServicesLendingMortgagePersonal FinancePropTech
Responsibilities
Lead the underwriting function for Florida
Serve as the primary underwriting authority and escalation point for complex files
Support the growth of the state underwriting team by providing coaching, mentoring, and process oversight
Partner with executive leadership to design the future-state structure of the underwriting department as order volume expands
Develop and maintain state-specific underwriting guidelines reflecting state law, regulatory requirements, and company risk appetite
Ensure guidelines remain current with legislative changes, case law, and market trends
Work with legal, compliance, and executive leadership to formalize and publish underwriting standards
Support training efforts to roll out new or updated guidelines to agents and internal staff
Assess title defects, liens, encumbrances, and vesting issues to determine insurability
Issue underwriting decisions aligned with company policy and state-specific guidelines
Draft clear requirements, exceptions, and approvals for both residential and commercial transactions
Collaborate with curative teams, agents, and attorneys to resolve complex title issues
Provide expert underwriting support to title agents, real estate attorneys, and internal teams
Deliver training on guidelines, forms, underwriting practices, and state-specific nuances
Help strengthen agency relationships by offering responsive, informed, and solution-oriented support
Maintain accurate records of underwriting decisions and approvals
Support internal audits and quality reviews
Reinforce adherence to operational and regulatory requirements
Qualification
Required
Minimum 5 years as a title insurance underwriter, OR 10+ years as a commercial examiner or title examiner
Extensive experience in title insurance underwriting, with deep knowledge of Florida real estate law
Demonstrated ability to review title searches, commitments, liens, and legal descriptions
Strong understanding of state-specific statutes, recording requirements, and customary practices
Excellent judgment and risk assessment skills
Strong communication skills with the ability to explain complex title issues clearly
Familiarity with industry platforms (SoftPro, Qualia, ResWare, etc.)
Experience supporting agents in both residential and commercial real estate
Ability to lead, mentor, and support underwriting staff
High attention to detail and accuracy in decision-making
Preferred
Prior leadership or team lead capacity within a title agency or underwriter is preferred
Experience developing underwriting guidelines or policy manuals is preferred
Benefits
Health, dental, and vision insurance options.
Retirement plan with employer matching.
Paid time off (PTO) and holiday pay.
Continuing education and professional development opportunities.
Company
Rate
Rate is a mortgage company that provides mortgage-related services and solutions.
5001-10000 employees
H1B Sponsorship
Rate has a track record of offering H1B sponsorships. Please note that this does not
guarantee sponsorship for this specific role. Below presents additional info for your
reference. (Data Powered by US Department of Labor)
Distribution of Different Job Fields Receiving Sponsorship
Represents job field similar to this job
Trends of Total Sponsorships
2025 (6)
2024 (7)
2023 (3)
2022 (15)
2021 (9)
Funding
Current Stage
Late StageTotal Funding
unknownKey Investors
THL
2017-12-14Private Equity
Leadership Team
Victor Ciardelli
President & CEO
Ramesh Sarukkai
CPO & CTO
Recent News
2025-12-25
2025-12-04
2025-12-03
Company data provided by crunchbase