Special Loans SCRA Specialist

Village Capital & Investment•Henderson, NV

3d•Onsite

About The Position

Village Capital & Investment LLC is a well-established nationwide mortgage lender committed to delivering a fast, efficient, and high-quality loan experience to our customers and business partners. Specializing in FHA, VA, and USDA loans, we work closely with loan originators, brokers, and correspondents to provide competitive rates and exceptional service. Our headquarters is located in Henderson, NV. The Special Loans SCRA Specialist is responsible for the day-to-day administration, review, maintenance, and quality control of loans requiring specialized servicing, with a primary focus on SCRA, temporary buydowns, and Adjustable-Rate Mortgage (ARM) loans. This role ensures accurate loan setup and maintenance, regulatory compliance, timely borrower support, and proper coordination across servicing, compliance, cashiering, and other operational teams. The ideal candidate will have experience working in mortgage servicing systems, understanding loan maintenance workflows, and handling specialized loan scenarios with a high degree of accuracy and compliance awareness.

Requirements

High school diploma or equivalent required
2+ years of mortgage servicing experience required
Knowledge of mortgage servicing practices, loan maintenance, payment application concepts, and borrower account research
Strong attention to detail and accuracy
Ability to interpret procedures, loan documents, and servicing requirements
Strong analytical, organizational, and problem-solving skills
Ability to manage a pipeline of work and meet deadlines in a high-volume environment
Strong written and verbal communication skills

Nice To Haves

associate or bachelor's degree preferred
Direct experience with SCRA loan servicing strongly preferred
Experience handling temporary buydowns and/or ARM loans preferred
Experience working in mortgage servicing platforms such as Black Knight MSP / ICE MSP or similar systems preferred
Proficiency in Excel/Google Sheets and basic reporting tools preferred
Experience with regulatory or compliance-sensitive loan servicing
Familiarity with SCRA regulations, military order review, and benefit application workflows
Experience reviewing ARM terms, including change dates, caps, margins, indexes, and payment adjustments
Experience researching buydown subsidy balances, expiration issues, and correction workflows
Experience supporting audit requests, QC reviews, or compliance testing
Familiarity with imaging systems, loan documentation platforms, and workflow/task management systems

Responsibilities

Review and process SCRA requests, including eligibility review, benefit application, maintenance, and ongoing monitoring
Maintain and update SCRA loan terms, including interest rate reductions, protection periods, payment adjustments, and related account maintenance
Review and maintain temporary buydown loans, including setup validation, subsidy monitoring, expiration tracking, and issue resolution
Review and support ARM loans, including adjustment review, loan setup validation, payment change coordination, and error identification
Perform maintenance within servicing systems to ensure specialized loans are set up and functioning correctly
Monitor reports, dashboards, and exception tracking related to SCRA, buydowns, and ARM loans
Research and resolve discrepancies, servicing errors, and maintenance issues impacting special loan populations
Coordinate with Compliance, Cashiering, Loan Servicing, Data/Reporting, and leadership on corrections and escalations
Maintain accurate documentation, notes, and imaging to support audit readiness and regulatory compliance
Assist with quality control reviews, internal audits, and procedure adherence
Support borrower and internal inquiry resolution related to special loan servicing
Contribute to process improvements, procedure updates, and department reporting