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 and compliance across critical processes. This role requires a proactive problem-solver who can navigate complex challenges with confidence and precision. In addition to managing default-related correspondence, overseeing daily property inspections and preservation efforts, coordinating with external vendors, and monitoring loans impacted by disasters, you will also be responsible for conducting quality control reviews across all facets of Default Asset Management. This includes ensuring accuracy, compliance, and consistency in documentation, vendor performance, and internal workflows.

Flexibility, attention to detail, and the ability to adapt to evolving priorities are essential, as you'll collaborate closely with internal stakeholders and external partners to maintain compliance, mitigate risk, and deliver service excellence.

RESPONSIBILITIES 

• Manage and respond to default-related correspondence, ensuring timely, accurate, and compliant resolution.
• Oversee daily property inspections and preservation tasks, verifying that properties are secure, compliant, and well-maintained.
• Coordinate with external vendors to ensure timely service delivery, adherence to guidelines, and maintain strong working relationships.
• Monitor and track loans impacted by natural disasters; report distressed properties in alignment with investor requirements.
• Conduct quality control reviews across all Default Asset Management functions—including inspections, preservation, conveyance, disaster management, second chance auctions, and vendor performance—to ensure compliance, accuracy, and process consistency.
• Support and gain exposure to a variety of areas such as pre- and post-sale property preservation, conveyance processing, second chance auctions, and hazard claims, with the expectation of cross-training and flexing across functions as needed.
• Analyze complex issues within default servicing and develop actionable solutions to drive process improvement and risk mitigation.
• Collaborate cross-functionally and adapt to shifting priorities, taking on additional responsibilities as assigned by Valon Leadership.

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.

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
• 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