Mortgage Accounting Specialist

ACNB BANK • York, PA

18d • Onsite

About The Position

Traditions Mortgage, a division of ACNB, is one of York County’s top mortgage lenders, recognized for disciplined operations, strong secondary market execution, and a commitment to doing things right. We’re seeking a Mortgage Accounting Specialist who thrives at the intersection of mortgage operations and accounting—and who takes personal ownership of accuracy, reconciliation, and clean financial results for held-for-sale (HFS) loans.

This role is ideal for someone who understands how mortgage loans move from funding to sale and wants to ensure that every dollar, entry, and reconciliation tells the right story.

Requirements

• A high school diploma or equivalent with a business emphasis; mortgage servicing, mortgage accounting, or general banking education preferred.
• Two or more years of experience in mortgage accounting, secondary market operations, servicing, post-closing, or a related banking role.
• Working knowledge of mortgage servicing regulations, secondary market processes, and accounting treatment for loan sales, or the ability to quickly develop that expertise.
• Comfort with general ledger reconciliations, financial reporting, and researching discrepancies to resolution.
• Strong analytical, mathematical, and problem-solving skills, paired with sound judgment.
• Clear and professional written and verbal communication skills, especially when working with investors and internal teams.
• Proficiency with Microsoft Office and the ability to navigate loan servicing and accounting systems accurately.
• A reputation for attention to detail, reliability, and follow-through in deadline-driven environments.

Responsibilities

• Ensure accurate secondary market execution by processing investor fundings, validating pricing and settlement details, and confirming timely receipt of proceeds.
• Deliver clean gain-on-sale accounting by preparing and posting accurate general ledger entries and reconciling all HFS-related accounts.
• Protect financial integrity post-sale by paying off loans on the servicing system, resolving first-payment and escrow-related discrepancies, and ensuring proper accounting treatment of advances.
• Maintain strong reconciliations and controls by balancing applicable general ledger accounts and supporting audit-ready financial reporting.
• Resolve exceptions efficiently by researching funding variances, pricing errors, short or over-fundings, and coordinating directly with investors and internal partners.
• Support regulatory and management reporting by contributing to HMDA reporting, 1099 reporting for Builders, and accurate internal and investor reports.
• Ensure operational continuity by serving as a trained backup for loan boarding, servicing setup, and borrower inquiries during the held-for-sale period.
• Strengthen the process by identifying trends or recurring issues and escalating improvement opportunities when appropriate.

What This Job Offers

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