Responsibilities and Requirements of Notary Signing Agents in the State of Tennessee
Are you interested in becoming a Notary Signing Agent in the state of Tennessee? Notary Signing Agents play a crucial role in the loan closing process, ensuring that important documents are properly executed and authenticated. In this article, we will explore the responsibilities and requirements of Notary Signing Agents in Tennessee, providing you with an in-depth understanding of this profession.
What is a Notary Signing Agent?
Before we delve into the responsibilities and requirements, let’s first understand what a Notary Signing Agent is. A Notary Signing Agent is a Notary Public who specializes in the notarization of loan documents. They have extensive knowledge of the loan closing process and are trained to handle various mortgage documents.
Responsibilities of a Notary Signing Agent
As a Notary Signing Agent in Tennessee, you have several important responsibilities. These include:
1. Verifying the Identity of Signers
One of the primary responsibilities of a Notary Signing Agent is to verify the identity of the signers. This involves carefully examining government-issued identification documents to ensure they are valid and match the information provided.
For example, if John Smith is signing the documents, the Notary Signing Agent must ensure that the identification presented is indeed belonging to John Smith. This helps prevent fraud and ensures the authenticity of the documents.
2. Administering Oaths and Affirmations
Notary Signing Agents are also responsible for administering oaths and affirmations when required. An oath is a solemn promise made by a signer, and an affirmation is a solemn declaration. By administering these, the Notary Signing Agent ensures the signer’s commitment to the truthfulness of the documents being signed.
For instance, if a signer is swearing to the accuracy of the information in a loan document, the Notary Signing Agent will administer an oath to affirm the signer’s commitment to the truth.
3. Witnessing Signatures
Another crucial responsibility of a Notary Signing Agent is to witness the signatures on the documents. This involves observing the signing process to ensure that it is done voluntarily and without any coercion. The Notary Signing Agent will also confirm that the signer understands the contents of the document.
By witnessing signatures, the Notary Signing Agent provides an extra layer of protection and credibility to the documents being notarized.
4. Completing Notarial Certificates
Notary Signing Agents are responsible for completing notarial certificates on the loan documents. These certificates include the date of notarization, the Notary Signing Agent’s signature, and their official seal or stamp. These certificates serve as proof that the document has been properly notarized.
It is important for Notary Signing Agents to ensure that the notarial certificates are accurately completed, as any errors or omissions may render the documents invalid.
Requirements to Become a Notary Signing Agent in Tennessee
Now that you understand the responsibilities of a Notary Signing Agent, let’s explore the requirements to become one in the state of Tennessee.
1. Be a Commissioned Notary Public
To become a Notary Signing Agent in Tennessee, you must first be a commissioned Notary Public. Being a commissioned Notary Public allows you to perform general notarial acts, such as acknowledging signatures and administering oaths.
If you are not already a Notary Public, you will need to complete the necessary application, pay the required fees, and fulfill the eligibility criteria set by the Tennessee Secretary of State.
2. Obtain Additional Training
In addition to being a commissioned Notary Public, Tennessee requires Notary Signing Agents to complete additional training. This training covers the specific knowledge and skills needed to perform loan signings effectively.
There are various training courses available that are designed specifically for Notary Signing Agents. These courses cover topics such as loan document types, borrower identification, and notarization procedures in the loan closing process.
3. Pass a Background Check
Tennessee requires Notary Signing Agents to pass a background check conducted by the Tennessee Bureau of Investigation (TBI). This is to ensure that individuals with a criminal history that may pose a risk to the public are not granted the authority to perform notarial acts.
It is important to note that the background check must be completed within six months of submitting your application to become a Notary Signing Agent.
By meeting these requirements, you can become a Notary Signing Agent in Tennessee and take part in the loan closing process, providing an essential service to borrowers and lenders alike.
In Conclusion
Notary Signing Agents in Tennessee have significant responsibilities when it comes to notarizing loan documents. They verify identities, administer oaths, witness signatures, and complete notarial certificates to ensure the authenticity and legality of the documents.
To become a Notary Signing Agent in Tennessee
