Mortgage Loan Servicing Associate | Escrow | Insurance | Construction Draws

Conventus; West Palm Beach (FL); On-site; USD 55,000 - 75,000; Full time

Job summary

Conventus is seeking an experienced Associate, Loan Administration – Insurance, Tax and DSCR to manage investment real estate loans focusing on insurance compliance and tax management. The role requires 4 days a week onsite at our West Palm Beach office.

Responsibilities include overseeing insurance policies, managing tax payments, and conducting escrow analyses. A minimum of 2 years of relevant experience is required. Join our dynamic team today!

Qualifications

• 2+ years of mortgage or lending industry experience required.
• Experience managing hazard, flood, and builder's risk insurance required.
• Hands-on experience in real property tax administration and escrow analysis required.

Responsibilities

• Manage the full lifecycle of investment real estate loans.
• Obtain and verify Evidence of Insurance across all policy types.
• Monitor tax payments across the loan portfolio.

Skills

Hazard insurance policy management

Escrow analysis and tax tracking

Detail-oriented and organized

Proficient in loan servicing software

Education

Bachelor's or technical degree

Tools

Loan servicing software

Job description

Position

Full-Time, Hourly, Performance-based bonus

Location

West Palm Beach, FL

Required 4 days per week in the office (Mon-Thu). Please do not apply if this does not align with you.

Conventus is seeking an experienced Associate, Loan Administration – Insurance, Tax and DSCR to join our dynamic team. In this role, you will manage the full lifecycle of investment real estate loans — with a strong emphasis on property insurance compliance, escrow administration, and tax management. We are looking for a detail-driven professional who understands the nuances of hazard, flood, and builder's risk insurance in a mortgage servicing environment, and can ensure our portfolio remains fully protected and compliant at all times.

Responsibilities

Property Insurance Administration

• Obtain, review, and verify Evidence of Insurance (EOI) across all policy types — including hazard, flood, and builder's risk — ensuring coverage meets loan requirements at origination and throughout the loan term.
• Monitor hazard insurance policies for adequate dwelling coverage, liability limits, and named insured requirements; identify and resolve deficiencies promptly.
• Administer flood insurance compliance in accordance with the National Flood Insurance Program (NFIP) and private flood policy standards; verify properties in Special Flood Hazard Areas (SFHA) carry required coverage at all times.
• Track and manage builder's risk insurance for construction and renovation loans, ensuring active coverage through project completion and transition to permanent hazard insurance at close-out.
• Initiate and manage force-placed (lender-placed) insurance when borrowers fail to provide required coverage; rescind promptly upon receipt of a compliant borrower policy.
• Review insurance declarations pages for accuracy — coverage amounts, deductibles, policy periods, mortgagee clauses, and loss payee designations — and request corrections as needed.
• Manage insurance-related escrow disbursements and reconciliation of insurance escrow sub-accounts.
• Maintain an accurate insurance tracking system; proactively manage renewal pipelines to ensure zero lapses across the portfolio.

Tax Administration

• Monitor and process real property tax payments across the loan portfolio, ensuring timely disbursement to avoid penalties, delinquencies, or tax sale exposure.
• Research and resolve tax delinquencies, tax sale notices, and redemption matters in coordination with title and legal teams.
• Perform escrow analyses and reconcile tax escrow sub-accounts; calculate and communicate adjustments to borrowers.
• Coordinate with county tax authorities and third-party tax vendors to confirm payment posting and resolve discrepancies.

Escrow Management

• Conduct escrow analyses for tax and insurance impound accounts, ensuring proper funding levels and communicating shortage or surplus adjustments to borrowers.
• Process escrow disbursements accurately and on schedule for taxes, insurance premiums, and other required reserves.
• Investigate and resolve escrow disputes, shortages, and borrower inquiries with urgency and professionalism.
• Monitor and evaluate loan performance, delinquencies, and defaults across the investor lending portfolio.
• Review borrower rent rolls and property income statements to assess whether rental income sufficiently covers loan obligations (Debt Service Coverage Ratio / DSCR).
• Evaluate loans approaching maturity, capturing exit strategies, refinance options, or extension requests.
• Generate referrals to the Special Assets Division for non-performing loans.
• Create, review, and dispatch Reinstatement and Payoff Quotes.
• Investigate and resolve borrower inquiries promptly; adhere to all SLAs, company policies, and regulatory requirements.

Qualifications

Education & Experience

• 2+ years of mortgage or lending industry experience required; prior loan servicing experience required.
• Demonstrated experience managing hazard, flood, and/or builder's risk insurance in a mortgage servicing environment required.
• Working knowledge of NFIP flood insurance requirements, force-placed insurance procedures, and insurance escrow administration required.
• Hands-on experience in real property tax administration and escrow analysis required.
• Familiarity with DSCR or investor property loans preferred — we will train the right candidate.
• Loan processing or loss mitigation experience preferred but not required.
• Bachelor's or technical degree preferred but not required.

Skills

• Thorough understanding of hazard, flood (NFIP and private market), and builder's risk insurance policy requirements.
• Proficient in escrow analysis, tax tracking, and loan servicing software.
• Ability to review and interpret rent rolls, income statements, and loan-level financial data.
• Detail-oriented with strong organizational and time management skills; able to manage a high-volume portfolio and consistently meet SLA deadlines.
• Experience with AI tools such as Claude a plus, particularly for drafting borrower communications, managing insurance correspondence, and streamlining escrow and tax reporting workflows.

Mindset and Character

At CHC, we look for future employees who demonstrate the mindset and character of our following core values:

Deliver Extraordinary Client Experience

• Demonstrate unwavering responsiveness and dedication to delighting clients at every touchpoint.

Take Responsibility

• Be proactive, know what you are responsible for, act with integrity and follow through to the end.

Respond with Urgency and Care

• Balance speed with quality, ensuring that every response is both timely and impactful.

Grow Together

• Grow together through a culture of intellectual curiosity, collaboration and celebration.