Servicing Cash Analyst

United Wholesale Mortgage•Pontiac, MI

About The Position

The Cash Analyst is responsible for ensuring accurate and timely reconciliation of custodial and non-custodial bank accounts related to mortgage servicing. This role plays a critical part in maintaining the integrity of financial records by identifying, investigating, and resolving cash discrepancies related to mortgage payments, investor remittances, escrow transactions, and other servicing activities.

Requirements

Associate’s or Bachelor’s degree in Accounting, Finance, or related field (or equivalent work experience)
2+ years of experience in mortgage servicing or financial services, with a focus on cash management or reconciliation
Strong knowledge of mortgage servicing systems (e.g., MSP, LoanServ, Black Knight)
Experience with bank reconciliation software and Excel (VLOOKUP, pivot tables, etc.)
Excellent analytical and problem-solving skills
High attention to detail and organizational skills
Strong written and verbal communication skills

Nice To Haves

Experience with custodial account requirements for FNMA, FHLMC, GNMA, or private investors
Familiarity with regulatory guidelines from CFPB, OCC, or HUD
Experience with reconciliation automation tools or scripting is a plus

Responsibilities

Perform daily, weekly, and monthly reconciliations of mortgage-related bank accounts (e.g., P&I, T&I, suspense accounts).
Investigate and resolve variances between servicing system records and bank statements.
Collaborate with internal departments such as Accounting, Treasury, Investor Reporting, and Loan Servicing to resolve reconciling items.
Monitor and maintain general ledger entries related to cash activities.
Ensure compliance with investor (Fannie Mae, Freddie Mac, FHA, etc.) and regulatory requirements regarding account reconciliation.
Prepare reconciliation reports and documentation for internal audit and regulatory review.
Escalate unresolved discrepancies promptly and follow through to resolution.
Support month-end and year-end close processes by providing accurate account statuses and required documentation.
Recommend process improvements and assist in automation initiatives to improve efficiency and accuracy.

Benefits

Paid Time Off (PTO) after just 30 days
Additional parental and maternity leave benefits after 12 months
Adoption reimbursement program
Paid volunteer hours
Paid training and career development
Medical, dental, vision and life insurance
401k with employer match
Mortgage discount and area business discounts
Free membership to our large, state-of-the-art fitness center, including exercise classes such as yoga and Zumba, various sports leagues and a full-size basketball court
Wellness area, including an in-house primary-care physician’s office, full-time massage therapist and hair salon
Gourmet cafeteria featuring homemade breakfast and lunch
Convenience store featuring healthy grab-and-go snacks
In-house Starbucks and Dunkin
Indoor/outdoor café with Wi-Fi