Job Application for Assumptions Manager at Valon

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.

Special Loans at Valon

Valon’s Special Loans Team is responsible for managing core business processes for MERS updates and reconciliation, SCRA-protected loans, recasts, assumptions, successor in interest, and partial release requests. We are a team of creative individuals who approach servicing challenges with an innovative mindset. Our goal is to help homeowners resolve special servicing needs while providing a first-class experience with Valon, all from behind the scenes.

About the Role

We are seeking an experienced and detail-oriented Assumptions Manager to oversee the operational, compliance, legal, and investor-related aspects of the assumption process. This role will ensure adherence to investor guidelines, regulatory requirements, and internal policies while optimizing operational workflows. The ideal candidate will have a strong background in mortgage servicing, compliance, investor relations, and risk management, with proven leadership experience.

Key Responsibilities:

Lead and manage a team of Assumptions Underwriters, ensuring operational efficiency and compliance with investor (Fannie Mae, Freddie Mac, FHA, VA, USDA) and company guidelines.
Oversee and enhance processes related to assumptions, ensuring regulatory and legal compliance while identifying opportunities for operational improvements.
Develop and implement policies and procedures to align with investor requirements, mitigate risks, and improve servicing quality.
Work closely with compliance and legal teams to address regulatory changes, audits, and policy updates affecting the assumptions process.
Act as the primary liaison with investors, responding to inquiries, providing required documentation, and ensuring all assumption transactions meet investor standards.
Monitor team performance, SLAs, and key performance indicators (KPIs) to ensure timely processing and issue resolution.
Collaborate with internal stakeholders, including risk management, compliance, legal, and servicing teams, to handle escalations and ensure a seamless customer experience.
Stay up to date on industry changes, regulatory updates, and investor guidelines that impact the assumption process.
Assist in system enhancements, workflow optimization, and automation initiatives to improve operational effectiveness.
Directly communicate with Freddie, Fannie, and Ginnie

Minimum Qualifications

5+ years of experience in assumptions within mortgage servicing, compliance, investor relations, or a related field, with at least 2+ years in a leadership role.
Strong knowledge of loan assumptions, investor guidelines (Fannie Mae, Freddie Mac, FHA, VA, USDA), regulatory compliance, and legal considerations.
Experience managing teams and ensuring adherence to compliance and investor requirements.
Strong attention to detail and ability to manage multiple priorities in a fast-paced environment.
Proficiency in mortgage servicing systems (e.g., MSP, Black Knight, or equivalent) and document management tools
Bachelor’s degree in finance, business, or a related field preferred.

Ideal Background

Have previously managed an assumption department from end to end process.
Excellent communication skills, with the ability to navigate sensitive homeowner situations with empathy and professionalism
Ability to coach, mentor, and develop team members while maintaining high performance and quality standards
Strong analytical and organizational skills, with a keen eye for process improvement, compliance, and quality control
A track record of developing or enhancing policies, procedures, and workflows to improve efficiency and customer experience

What we can offer:

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
Food & meals: in-office snacks and drinks, and Bagel Fridays
Commuter benefits: We offer pre-tax deductions for public transportation, rideshare services, and parking expenses to make your commute more affordable and convenient.
Grow together: Company wide orientation for you to successfully onboard and other learning & development opportunities including regular review cycles that feature 360 degree feedback
Generous time off: 17 days paid time off, sick days, and 11 company holidays
Baby bonding time!: 12 weeks off for both birthing and non-birthing parents - fully paid so you can focus your energy on your newest addition

This Base Compensation pay range applies to our New York City located staff and may differ according to location.

New York Base Compensation Pay Range

$68,000 - $92,000 USD

Throughout the interview process, please remember that emails will only be from valon.com emails. We won't ever be asking for any personally identifiable information during the interview process itself. Please reach out to talent@valon.com if you have any requests to verify the authenticity of an outreach.

Valon is an equal opportunity employer that is committed to diversity and inclusion in the workplace. We prohibit discrimination and harassment of any kind based on race, color, sex, religion, sexual orientation, national origin, disability, genetic information, pregnancy, or any other protected characteristic as outlined by federal, state, or local laws. Valon makes hiring decisions based solely on qualifications, merit, and business needs at the time.