Default Services Specialist

Default Services Specialist

The Default Services Specialist supports the management of manufactured housing (chattel) loans in default, with a strong focus on operator communication and property inspection oversight. This role works cross-functionally with the Collections and Loss Mitigation teams to support timely resolution of delinquent accounts, ensure property status visibility, and drive forward key default actions such as voluntary surrenders and abandonment documentation. The ideal candidate is process-driven, proactive, and capable of balancing multiple priorities across external partners and internal departments.

Key Responsibilities :

• Serve as the primary liaison with manufactured home community operators during the default lifecyclefacilitating communication related to occupancy verification, property access, borrower status, and home condition.
• Collaborate daily with Collections and Loss Mitigation teams to coordinate account status updates, inspection needs, and operator communications related to payment plans, demand letters, and voluntary surrender discussions.
• Order, track, and review field inspections, ensuring timely execution and flagging any occupancy or condition issues that may impact servicing decisions.
• Monitor and escalate indicators of abandonment, unauthorized occupants, or unresponsiveness to drive timely property preservation and recovery actions.
• Support voluntary surrender processing, including operator notification, access coordination, and documentation tracking.
• Maintain accurate, real-time records of operator communications, inspection outcomes, and borrower status updates within servicing systems.
• Help standardize inspection workflows, reporting formats, and communication templates to improve default servicing efficiency.
• Assist Collections team by confirming operator-reported property conditions and verifying occupancy prior to escalation.
• Partner with Loss Mitigation to validate property status for accounts under active workout review, ensuring alignment on next steps and timelines.
• Ensure all actions comply with servicing standards, investor guidelines, and applicable state-level chattel loan regulations.

Qualifications :

Preferred Traits :

Please note that we are currently only hiring candidates who reside in the following states : Arizona, Connecticut, Florida, Georgia, Illinois, Indiana, Louisiana, Maryland, Michigan, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New York, North Carolina, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas, Utah, and Washington.

Total Rewards :

Beyond the tangible benefits :

Zippy is an equal opportunity employer that is committed to diversity and inclusion. We do not discriminate based on race, color, national origin, religion, gender, gender expression, sexual orientation, age, veteran status, disability status, or marital status. If you are excited about the role but do not meet 100% of the qualifications listed above, we encourage you to apply. Nothing in this job posting should be construed as an offer or guarantee of employment.