Default Analyst

About the Company

Valon’s mission is to empower every homeowner. We believe the journey of home ownership starts when you get your keys, but lasts far beyond. We’re creating a world where home ownership comes with ease, security, and financial know-how. Our growing team of engineers, operators, product enthusiasts, and experienced servicing professionals are leveraging technology to fundamentally improve the homeownership experience. Through mortgage servicing—the process of paying off one’s mortgage—Valon is taking the first step in transforming the industry one homeowner, and lender, at a time.

Default Servicing at Valon

The Default Servicing team manages all default-related processes and resolves mortgage loans that are in default. The team is crucial to Valon and the broader mortgage ecosystem, as it helps prevent foreclosures and minimize losses for investors. Homeowner transparency and financial literacy is always a focal point to our people, process and product and we strive to help homeowners who need additional support to keep their dream of homeownership alive.

About the Role:

As a Default Analyst, you will play a key role in the Default Asset Management department, overseeing daily operations and ensuring efficiency across critical processes. This role requires a proactive problem-solver who can navigate complex challenges with confidence. Core responsibilities include managing default-related correspondence, overseeing daily property inspections and property preservation efforts, coordinating with external vendors, monitoring loans impacted by disasters, and managing Homeowner Assistance Fund (HAF) plans. The ability to adapt to evolving department needs and take on additional responsibilities as assigned by Valon Leadership is essential.

Responsibilities

• Manage and respond to default-related communications, ensuring accuracy and timely resolution.
• Oversee daily property inspections and property preservation tasks, ensuring properties remain in compliance and are properly maintained.
• Coordinate with external vendors to maintain seamless operations and strong service relationships.
• Track loans impacted by disasters and report distressed properties to the investors.
• Manage and maintain HAF plans, ensuring proper fund application and compliance with regulations.
• Analyze complex default-related issues and develop solutions to improve efficiency.
• Adapt to evolving priorities by taking on additional duties as needed.

Ideal Background

• 3+ years of Mortgage Default Servicing experience required.
• Experience with FNMA, FHLMC, FHA, VA, and USDA loans.
• Strong independent judgment, serving as a key resource for Senior Leadership.
• Ability to manage multiple tasks in a fast-paced environment.

Minimum Qualifications 

• Strong organizational skills with the ability to prioritize tasks and meet deadlines.
• Critical thinking and problem-solving skills to address complex issues effectively.
• Excellent verbal and written communication skills for clear and professional interactions.
• High attention to detail and accuracy in documentation and data management.
• Knowledge of FNMA, FHLMC, FHA, VA, and USDA servicing processes and standards.
• Proven ability to adapt to unique situations and collaborate in a team environment.
• Availability for and active participation in regular meetings, fostering teamwork and collaboration.

Benefits 

• Compensation: competitive salary and 401k plan
• Health & well-being; we’ll invest in your physical and mental well-being with comprehensive medical, dental, & vision benefits, One medical membership, and Talkspace to provide mental health support
• Grow together; learning & development opportunities including regular review cycles that feature 360 degree feedback
• Equipment; we’ll provide you with the equipment you need to be successful and a one-time $200 stipend for your initial desk setup 
• Generous time off; paid time off, uncapped sick days, and 11 company holidays 
• Baby bonding time!; 3 months off for birthing parents and 2 months off for non-birthing parents - fully paid so you can focus your energy on your newest addition