Job Description
Job Description
Job Title : Mortgage Operations Specialist
Location : Chandler, AZ
Job Type : Full-time
Job Summary
We are looking for a highly skilled and detail-oriented Mortgage Operations Specialist to join our team. In this role, you will be responsible for overseeing all aspects of mortgage loan servicing, including collections, loan boarding, transfers, investor reporting, and compliance. The ideal candidate will have a solid background in loan servicing operations and collections, with a strong understanding of mortgage regulations, investor guidelines, and industry compliance standards.
Key Responsibilities
Loan Servicing, Payment Processing & Collections
- Process and monitor loan payments, payoffs, and escrow transactions
- Maintain accurate records and manage escrow accounts, including tax and insurance disbursements
- Ensure compliance with investor and regulatory requirements
- Contact borrowers regarding past-due payments and establish repayment solutions
- Negotiate payment arrangements within company policies
- Document all borrower communications accurately
- Manage EPDs to prevent loan repurchases
Loan Boarding & Transfers
Accurately onboard new loans to the sub-servicer, ensuring complete and verified dataProcess loan transfers with thorough data validation and reconciliationCoordinate with prior and new servicers to ensure smooth, seamless transfersMaintain compliance with investor requirements and regulatory guidelines throughout the processMortgage Servicing & Customer Support
Assist borrowers with questions related to payments, escrow accounts, and delinquenciesSupport servicing functions such as payment research, loan histories, and account updatesEnsure compliance with federal and state mortgage servicing regulations (RESPA, FDCPA, CFPB, etc.)Recommend and implement process improvements to increase efficiencyInvestor Reporting & Compliance
Prepare and submit accurate monthly investor reports on timeReconcile loan balances, remittances, and custodial accounts for reporting purposesCollaborate with accounting teams to resolve discrepancies and reconcile investor accountsSupport audits, regulatory filings, and other compliance-related reportingQualifications & Skills
Experience : Minimum of 2–5 years in loan servicing, collections, and mortgage servicing, preferably in mortgage lending.Knowledge : Strong understanding of mortgage loan products, servicing guidelines, and regulatory compliance.Skills : Strong analytical, communication, negotiation, and problem-solving skills.Technology : Proficiency in loan servicing software, and Microsoft Office Suite.Education : High school diploma or equivalent required; associate or bachelor’s degree preferred.Why Join Us?
Competitive salary and benefits packageOpportunity for professional growth in the mortgage industryCollaborative and supportive team environmentIf you are a motivated and detail-oriented professional with loan servicing, collections, investor reporting, and mortgage servicing experience, we encourage you to apply!