Special Loans Analysts

United Wholesale Mortgage•Pontiac, MI

About The Position

The Special Loans Analyst is responsible for managing and servicing a portfolio of complex or non-standard mortgage loans, including but not limited to adjustable-rate mortgages (ARMs), lien releases, partial releases, HELOC, buy-downs and SCRA monitoring. This role ensures accurate and timely processing, payment application, customer service, and investor reporting in compliance with regulatory and investor guidelines. WHAT YOU WILL BE DOING • Monitor and service a portfolio of complex mortgage loans throughout their lifecycle, ensuring accurate maintenance of terms, interest rates, and payment structures.• Process interest rate changes, payment recalculations, buy-down subsidy tracking, and re-amortizations in accordance with loan documents and investor guidelines.• Ensure all servicing activity adheres to investor (e.g., Fannie Mae, Freddie Mac, FHA, VA) and regulatory requirements, including RESPA, TILA, and CFPB guidelines.• Investigate and resolve loan-level discrepancies, payment issues, and customer inquiries efficiently and professionally.• Prepare and analyze reports related to special loans performance, compliance, and audit requirements.• Work closely with internal teams such as Loss Mitigation, Customer Service, Escrow, and Accounting to resolve complex issues and improve servicing processes.• Perform data entry and system adjustments in servicing platforms (e.g., MSP, Black Knight, or equivalent systems).

Requirements

2–5 years of mortgage servicing experience
Experience with special or non-standard loan products
In-depth understanding of loan documents, servicing regulations, and investor requirements
Familiarity with regulatory compliance (FCRA, SCRA, RESPA, TILA, etc.).
Proficiency in mortgage servicing systems (e.g., Black Knight MSP) and Microsoft Office Suite
Excellent attention to detail and organizational skills
Strong analytical and problem-solving skills
Strong written and verbal communication
Ability to work independently and within a team in a fast-paced environment
High school diploma or equivalent

Nice To Haves

Associate’s or Bachelor’s degree in finance, accounting, or related field

Responsibilities

Monitor and service a portfolio of complex mortgage loans throughout their lifecycle, ensuring accurate maintenance of terms, interest rates, and payment structures.
Process interest rate changes, payment recalculations, buy-down subsidy tracking, and re-amortizations in accordance with loan documents and investor guidelines.
Ensure all servicing activity adheres to investor (e.g., Fannie Mae, Freddie Mac, FHA, VA) and regulatory requirements, including RESPA, TILA, and CFPB guidelines.
Investigate and resolve loan-level discrepancies, payment issues, and customer inquiries efficiently and professionally.
Prepare and analyze reports related to special loans performance, compliance, and audit requirements.
Work closely with internal teams such as Loss Mitigation, Customer Service, Escrow, and Accounting to resolve complex issues and improve servicing processes.
Perform data entry and system adjustments in servicing platforms (e.g., MSP, Black Knight, or equivalent systems).

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