Default Analyst - Mortgage Assistance Underwriting - Remote

Overview

The Default Analyst - Mortgage Assistance Underwriter will work to provide solutions for existing homeowners of Valon Mortgage who are experiencing hardships. This role focuses on delivering exceptional customer service while determining the best workout options for homeowners.

In Short

• Review and implement loss mitigation workout options.
• Manage a caseload of mortgage assistance applications.
• Provide support to the Underwriting team.
• Calculate income and expenses according to guidelines.
• Update system notes to reflect current file status.
• Handle correspondence with homeowners and real estate agents.
• Prepare and send necessary documentation for loan modifications.
• Ensure compliance with investor and insurer guidelines.
• Work with vendors on documentation generation.
• Additional duties may be assigned.

Requirements

• High School Diploma or equivalent required.
• Knowledge of FHA, VA, USDA, and automated underwriting systems.
• 2 years of experience in Collections, Loss Mitigation, or mortgage banking.
• Ability to work independently and as part of a team.
• Understanding of federal regulations in the mortgage industry.
• Strong communication and writing skills.
• Ability to structure workouts serving the best interests of stakeholders.
• Critical examination of credit and appraisal documents.
• Ability to learn and apply regulations effectively.
• Integrity and strong ethical values.

Benefits

• Competitive salary and 401(k) plan.
• Comprehensive medical, dental, and vision benefits.
• Pre-tax commuter benefits.
• Learning and development opportunities.
• Generous paid time off and holidays.
• 12 weeks paid baby bonding time for all parents.