Default Document Specialist

loanDepot • Plano, TX

6d

About The Position

Responsible for preparing, reviewing, and validating mortgage documents, notices, and correspondence throughout the loan lifecycle. Ensures all documentation is accurate, complete, and compliant with federal, state, investor, and insurer guidelines (e.g., CFPB, RESPA, FHA, Fannie Mae, Freddie Mac). Supports default servicing teams by maintaining audit-ready loan files, meeting required deadlines, and responding to document and audit requests.

Requirements

• High school diploma or equivalent required, Associate or Bachelor’s Degree preferred.
• Minimum of one (1) + years of experience in mortgage servicing, document management, or default servicing.
• Strong knowledge of mortgage documentation and servicing workflows.
• Familiarity with investor and regulatory requirements.
• High attention to detail and organizational skills.
• Ability to manage multiple priorities and meet strict deadlines.
• Proficient with Microsoft Office applications: Word, Excel, PowerPoint, Outlook, and Teams.
• Ability to interpret data and apply basic to intermediate math skills.
• Exceptional verbal, written and interpersonal communication skills.
• Solid problem-solving skills with a practical, solution-focused approach.

Responsibilities

• Prepares, reviews, validates, and distributes mortgage servicing and default-related documents, notices, and correspondence for execution by default-related business teams and in compliance with regulatory, investor, and insurer requirements.
• Verifies borrower, property, and loan data for accuracy and consistency across systems.
• Performs document imaging, indexing, retention, and system documentation to maintain complete and audit-ready loan files.
• Evaluates and tracks document workflows, timelines, and quality standards to ensure required notices and legal documents are generated and delivered within required regulatory and contractual deadlines.
• Coordinates with internal teams (servicing, loss mitigation, foreclosure, legal, QA) to resolve document discrepancies.
• Generates and confirms borrower notifications, including default, loss mitigation, and foreclosurerelated notices.
• Responds to audit, quality control, and regulatory requests by providing complete and accurate documentation; maintains detailed system notes to support compliance and audit readiness.
• Identifies document discrepancies, compliance risks, and data inconsistencies, and communicating corrective actions to servicing, loss mitigation, and foreclosure teams.
• Supports document-related initiatives, including remediation efforts, process improvements, audits, and regulatory or investor reviews.
• Reviews document quality, regulatory changes, and investor updates to ensure ongoing compliance and identifies process gaps.
• Assists with special documents requests, reporting, and cross-functional support as business needs evolve.
• Performs other duties and projects assigned.

Benefits

• Aggressive compensation package based on experience and skill set.
• Inclusive, diverse, and collaborative culture where people from all backgrounds can thrive.
• Work with other passionate, purposeful, and customer-centric people.
• Extensive internal growth and professional development opportunities including tuition reimbursement.
• Comprehensive benefits package including Medical/Dental/Vision.
• Wellness program to support both mental and physical health.
• Generous paid time off for both exempt and non-exempt positions.

What This Job Offers

• Job Type: Full-time
• Career Level: Entry Level
• Education Level: High school or GED