Cashiering Manager

Evergreen Openings•Tempe, AZ

About The Position

The Cashiering Manager supports customers by overseeing the processing of loan payments, payoffs, and account maintenance. The role manages accounting and reconciliation of payment-processing data from vendors and individuals across multiple general ledger and clearing accounts. The cashiering function ensures incoming payments—including payoffs, ACH payments, wires, lockbox payments, online payments, and manually posted payments—are properly applied. The manager leads and mentors staff to perform effectively and comply with credit reporting, operational, and regulatory requirements. The role oversees daily payment processing and cash distribution, maintains accurate records, establishes cash-handling procedures and controls, and ensures mortgage loans are serviced and reported according to investor, state, agency, and government requirements. It also manages in-house lockbox operations and ensures borrower funds are disbursed appropriately following a payoff or loan removal. The manager analyzes and reports team results to senior management, including aging, volumes, performance trends, and issues that could affect production. They set expectations, coach and develop associates, address performance issues, plan staffing and recruiting, and work across production and operations to support timely loan closings. The role requires customer-focused communication, knowledge of Evergreen’s mortgage processes and products, and adherence to company policies and values.

Requirements

At least 5 years of progressive experience in cash posting in mortgage banking loan servicing, or an equivalent combination of education and experience.
1–3 years of management experience.
Knowledge of state and federal laws and regulations applicable to mortgage and consumer lending, and considerable knowledge of loan servicing practices.
Considerable knowledge of workflow processes, staffing needs, and operational costs in a collection operation.
Leadership and management skills, including the ability to motivate, mentor, train, coach, evaluate performance, and lead a multifunctional staff in a fast-paced, dynamic environment.
Ability to work independently with minimal direction and meet deadlines.
Ability to read, interpret, and analyze complex, detailed, and recurring accounts and records.
Ability to prepare an operating budget, anticipate variances, and explain them.
Ability to work collaboratively with peers, company managers, and customers toward common goals.
Analytical and mathematical ability to calculate and evaluate performance metrics and apply them to efficiency improvements and operational problem-solving.
Effective written and oral communication skills with all organizational levels and external customers, including strong instructing and advising skills.
Demonstrated ability to provide excellent customer service.
Ability to enter, extract, and locate data in computer databases to research and resolve customer inquiries.
Ability to maintain strict confidentiality.
Considerable knowledge of automated accounting systems and ability to use personal computers, peripherals, business software, and applications specific to organizational needs.
Comfort working in a dynamic startup environment.
Good judgment, strong character, motivation, and a hardworking approach.
Ability to work well with fellow associates, clients, and vendors.
Physical ability to perform dexterity and mobility tasks throughout the shift, including extended sitting and/or standing; occasional reaching, twisting, climbing, balancing, stooping, kneeling, crouching, or crawling.
Vision abilities including close, distance, color, peripheral, and depth perception, and the ability to adjust focus.
Ability to speak and hear and to lift and carry up to 25 pounds, occasionally more.
Ability to work in a fast-paced, occasionally noisy environment.
If driving for business purposes is required, a valid driver’s license in good standing and personal auto insurance compliant with company policy are required.

Nice To Haves

Experience with Black Knight/MSP Loan Servicing Software.

Responsibilities

Manage the operations of the cashiering department.
Analyze team results and report to senior management on aging, volumes, performance trends, and issues affecting current or future production.
Ensure proper application of incoming performing and default payments through company payment channels, including payoffs, ACH, wires, lockbox, online, and manual payments.
Oversee completion of payment-processing functions and daily distribution of cash.
Maintain accurate cashiering records and ensure department functions meet state and agency requirements.
Ensure loans in the mortgage servicing portfolio comply with investor requirements and that accounting and reporting records are accurate.
Establish cash procedures and ensure appropriate controls are in place.
Report to government agencies as required and stay informed about government regulations pertaining to loan servicing.
Manage in-house lockbox operations through the cashiering department.
Ensure borrower funds are disbursed appropriately following payoff or loan removal.
Manage the department to meet or exceed productivity, production, and financial metrics.
Set clear expectations, hold regular one-on-one meetings, conduct annual performance reviews, support associate development, and address performance issues promptly.
Anticipate staffing needs, plan staffing changes, and conduct recruiting activities as needed.
Communicate regularly with associates and serve as a liaison between production and operations to foster collaboration and help ensure loans close on time.
Maintain basic knowledge of company HR, onboarding, payroll, and accounting policies and systems, and consult the relevant departments when needed.
Mentor associates, model a positive and professional demeanor, and follow company policies and procedures.
Use knowledge of Evergreen’s mortgage processes and products to answer questions and support staff.
Provide effective customer service and communicate with associates, clients, partners, and vendors by phone, in writing, and in person.

Benefits

Medical, dental, and vision coverage options for eligible associates and their families, with costs shared by the associate and company.
Basic life and AD&D insurance for eligible associates.
Short-term disability benefit.
Voluntary life and AD&D insurance, long-term disability benefits, and legal/ID protection plans available at the associate’s expense.
Automatic enrollment in the company 401(k) plan.
Personal time off accrual of up to 13.34 hours monthly.
Nine paid holidays each year.
Paid voluntary day of work.
Company matching on charitable donations.
Mortgage loan benefit.