Cash Operations Analyst

TWO; Fort Mill (SC); On-site; USD 60,000 - 90,000; Full time

Job summary

RoundPoint Mortgage Servicing LLC in Fort Mill, SC seeks an experienced mortgage servicing professional to support operations and investor accounting. You will analyze accounts and processes, resolve issues, and help implement improvements across servicing workflows.

The role requires 3–5 years in accounting/financial services, strong data skills, and familiarity with mortgage servicing. On-site work in Fort Mill is expected.

Qualifications

• BA/BS or 3-5 years’ experience in accounting or financial services related field.
• Ability to learn new systems and processes quickly.
• Strong data, research, and problem-solving skills with clear insights.
• Diligence in fast-paced, deadline-driven environments.
• Excellent organizational skills and attention to detail.
• Professional communication with peers, vendors, and investors.
• Ability to manage change and navigate company structure.
• Experience with mortgage servicing and investor accounting preferred.
• MSP (Black Knight) experience is desirable.
• SQL reading or writing capabilities.

Responsibilities

• Resolve account and portfolio level issues while maintaining SLAs, guidelines, and risk tolerances.
• Ensure systems are configured to support loan-servicing operations for clients and investors.
• Leverage technology to process transactions accurately and efficiently.
• Analyze data to identify deviations between actual and expected results.
• Assist process improvement in mortgage servicing workflows.
• Monitor high-volume automated processes affecting borrower credit and regulatory metrics.
• Model and replicate complex issues to understand and resolve them.
• Collaborate with vendors and internal units to align processes.
• Build relationships with investors, clients, and internal stakeholders as a point of contact.
• Provide qualitative insights on trends, exceptions, and deficiencies to management.
• Support department goals with special projects and new controls.
• Maintain RPMS compliance through training and development.

Skills

Data analysis

Problem solving

Communication

Attention to detail

Teamwork

Adaptability

Investor accounting experience

SQL reading or writing

Education

BA/BS or 3-5 years’ accounting or financial services experience

Mortgage Bankers Association certification (or related)

Tools

MSP (Black Knight) experience

SQL

Job description

Responsibilities

• Resolve account level and portfolio level issues and ensure exception volume and aging is maintained within SLAs, guidelines, and risk tolerances
• Ensure systems are optimally configured to support loan-servicing operations based on the needs of our clients, business partners and investors
• Leverage technologies available to process transactions accurately and efficiently
• Analyze transactional data to identify situations where actual results differ from expected results
• Conduct account and process level analysis utilizing knowledge of mortgage servicing processes to assist in process improvement initiatives
• Monitor automated business processes involving an average of 5000+ transactions daily that has impact on borrower credit, portfolio metrics, and regulatory requirements
• Isolate, model, and replicate complex issues using tools available to understand, present and resolve issues
• Collaborate and interact with vendors and other business units to integrate internal and external processes
• Build strong relationships with investors, clients, and other internal customers by serving as a point of contact for deliverables, questions and issues
• Support management by providing qualitative insights to trends and exceptions, and process deficiencies, and assisting with the execution of enhancements and/or new controls
• Assist with special projects required to meet the department goals, objectives and any other duties as assigned to meet department goals and objectives
• Maintain professional and technical knowledge by attending educational workshops or classes; as well as completing internal training and development to meet all RPMS compliance requirements

Qualifications

Required:

• BA/BS or 3-5 years’ experience in accounting or financial services related field
• The ability to quickly learn new systems and business processes
• Proven data, research, and problem-solving skills, with the ability to synthesize information and communicate insights effectively
• Aptitude to carry out duties accurately and timely in a fast-paced deadline driven environment
• Exceptional organizational skills, with a high attention to detail and the ability to keep track of both the high-level progress and the small details
• Ability to communicate in professional manner when dealing with peers of own department, vendors, inter-company contacts, and investors
• Ability to manage change and navigate company structure
• Desire to perform operational, analytical and governance related activities
• Motivation to draw in additional work with limited direction
• Capability to comprehend servicing regulations, investor guidelines, and other applicable agreements
• A team-oriented mindset, thriving in an environment that’s collaborative, challenges the status quo and celebrates change
• Mortgage servicing background with Investor Accounting experience
• Certification from the Mortgage Bankers Association or other related professional organizations is a plus
• Prior 3-5 years’ experience within the financial industry. Secondary Marketing experience desirable
• MSP (Black Knight product) experience/knowledge is desired
• Mortgage servicing background with Investor Accounting experience
• Certification from the Mortgage Bankers Association or other related professional organizations is a plus
• SQL reading or writing capabilities

Physical Demands & Working Conditions

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of their role.

• Ability to communicate effectively through speech and hearing, both in-person and over the phone
• The employee is required to sit for extended periods of time and is occasionally required to stand and walk
• Remaining in a stationary position for extended periods, frequently sitting but occasionally involving standing or walking short distances; the employee may occasionally climb or balance, and stoop, kneel, crouch, or crawl
• Regular use of hands and fingers for tasks like keyboarding, operating office equipment, and filing documents
• Ability to lift and move objects weighing up to 10 pounds, and potentially up to 20 pounds occasionally
• Ability to observe details at close range, such as viewing a computer screen, reviewing documents, and performing data analysis
• The noise level in the work environment is usually quiet to moderate, and no extreme conditions are present

About RoundPoint Mortgage Servicing LLC

RoundPoint Mortgage Servicing LLC is a fully integrated, non-bank mortgage company, with a subservicing portfolio of approximately 900,000 loans. In 2023, RoundPoint was acquired by Two Harbors Investment Corp. (NYSE: TWO), reaffirming its commitment to MSR as core and essential to our business strategy and our future. A combined Two Harbors and RoundPoint capitalizes on the strengths of both companies, adding significant value for stakeholders through operational and cost efficiencies, as well as the ability to participate more fully in the mortgage finance space as opportunities arise.

Founded in 2009, Two Harbors has grown into a leading publicly traded residential mortgage real estate investment trust (mortgage REIT). We leverage our core competencies of understanding and managing interest rate and prepayment risk to invest in our Agency residential mortgage-backed securities (RMBS) and mortgage servicing rights (MSR) portfolio, with the objective of delivering attractive risk-adjusted returns to our stockholders.