Special Loans Analyst

United Wholesale Mortgage•Mi Metro, 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), balloon loans, buy-downs, step-rate loans, and loans with loss mitigation solutions (e.g., modifications, forbearance plans). This role ensures accurate and timely processing, payment application, customer service, and investor reporting in compliance with regulatory and investor guidelines.

Requirements

Associate or Bachelor's degree in Business, Finance, Accounting, or related field preferred.
2-5 years of mortgage servicing experience required.
Experience with special or non-standard loan products strongly preferred.
Proficiency in mortgage servicing systems (e.g., Black Knight MSP) and Microsoft Office Suite.
Strong analytical and problem-solving skills.
In-depth understanding of loan documents, servicing regulations, and investor requirements.
Familiarity with regulatory compliance (RESPA, TILA, etc.).
Excellent attention to detail and organizational skills.
Strong written and verbal communication.
Ability to work independently and within a team in a fast-paced environment.

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.
Maintain and monitor loans that have undergone modifications, forbearance, or other special servicing arrangements, ensuring accurate set-up and system updates.
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