Experienced Mortgage Claims and Recovery Analyst - (Not Remote)

Express Employment Professionals - Cincinnati East; Ocala (FL); Remote; USD 43,000 - 52,000; Full time

Benefits offered by this job

Referral bonus

Job summary

Express Employment Professionals - Cincinnati East in Ocala, FL is seeking a Claims & Recovery Analyst to support mortgage servicing operations on-site. The role offers a 40-hour week at $22/hour and requires meticulous review of loan files, claims preparation, and timely submissions.

Ideal candidates bring 3+ years in mortgage servicing claims, strong analytical skills, and proficiency with Excel and servicing platforms.

Qualifications

• 3+ years of mortgage servicing experience in claims, default servicing, foreclosure, bankruptcy, REO, loss mitigation, and/or investor reporting.
• 2+ years of direct mortgage insurance, investor, guarantor, or agency claims experience.
• Knowledge of FHA, VA, USDA, FNMA, FHLMC, and private mortgage insurance claim processes.
• Experience with claim preparation, audits, appeals, curtailments, reimbursements, and loss analysis.
• Strong knowledge of mortgage servicing guidelines and investor requirements.
• Strong analytical, reconciliation, and problem-solving skills.

Responsibilities

• Review delinquent, foreclosure, bankruptcy, REO, and loss mitigation loan files for claim eligibility.
• Prepare, submit, monitor, and reconcile mortgage insurance, investor, guaranty, agency, supplemental, and appealed claims.
• Calculate claim proceeds, recoverable expenses, advances, losses, curtailments, and reimbursements.
• Audit loan documentation, servicing history, foreclosure expenses, legal fees, property preservation costs, escrow activity, and other recoverable expenses.
• Review and audit vendor-prepared claims for accuracy, completeness, and guideline compliance.
• Research and resolve claim denials, shortages, curtailments, discrepancies, and exceptions.
• Prepare appeals, supplemental claims, reconsideration requests, and supporting documentation.
• Monitor claim pipelines, aging, deadlines, and outstanding requirements.
• Reconcile claim payments against expected recoveries and investigate variances.

Skills

Mortgage servicing

Claims processing

Analytical skills

Attention to detail

Communication skills

Multi-tasking

Education

High school diploma or equivalent

Tools

FICS Mortgage Servicer

MSP

Black Knight

Sagent

Excel

Job description

Claims & Recovery Analyst

Ocala, FL | Full-Time - ON-SITE | Monday–Friday, 8:30 AM–5:00 PM | $22/hr

Position Overview

We are seeking an experiencedClaims & Recovery Analystto support mortgage servicing operations by managing and maximizing recoveries on defaulted mortgage loans. This role is responsible for reviewing loan files, preparing and auditing mortgage insurance, investor, guarantor, and agency claims, resolving deficiencies and discrepancies, and ensuring claims are submitted accurately and within required deadlines. The ideal candidate has strong mortgage servicing and claims experience, excellent analytical skills, exceptional attention to detail, and the ability to work independently while managing a high-volume pipeline.

Key Responsibilities

• Review delinquent, foreclosure, bankruptcy, REO, and loss mitigation loan files for claim eligibility.
• Prepare, submit, monitor, and reconcile mortgage insurance, investor, guaranty, agency, supplemental, and appealed claims.
• Calculate claim proceeds, recoverable expenses, advances, losses, curtailments, and reimbursements.
• Audit loan documentation, servicing history, foreclosure expenses, legal fees, property preservation costs, escrow activity, and other recoverable expenses.
• Review and audit vendor-prepared claims for accuracy, completeness, and guideline compliance.
• Research and resolve claim denials, shortages, curtailments, discrepancies, and exceptions.
• Prepare appeals, supplemental claims, reconsideration requests, and supporting documentation.
• Monitor claim pipelines, aging, deadlines, and outstanding requirements.
• Reconcile claim payments against expected recoveries and investigate variances.Track vendor performance, quality, turnaround times, and service-level expectations.
• Identify process improvements and opportunities to reduce claim cycle times and increase recoveries.
• Maintain accurate records and documentation within servicing systems.
• Prepare reports on recovery trends, claim aging, vendor performance, denials, appeals, and recovery opportunities.
• Support audits, investor reviews, regulatory examinations, and quality assurance activities.
• Collaborate with Default, Foreclosure, Bankruptcy, Loss Mitigation, REO, Accounting, Investor Reporting, and other servicing teams.
• Perform additional duties and special projects as assigned.

REQUIRED QUALIFIFCATIONS

• High school diploma or equivalent required.
• 3+ years of mortgage servicing experience in claims, default servicing, foreclosure, bankruptcy, REO, loss mitigation, and/or investor reporting.
• 2+ years of direct mortgage insurance, investor, guarantor, or agency claims experience.
• Knowledge of FHA, VA, USDA, FNMA, FHLMC, and private mortgage insurance claim processes.
• Experience with claim preparation, audits, appeals, curtailments, reimbursements, and loss analysis.
• Strong knowledge of mortgage servicing guidelines and investor requirements.
• Strong analytical, reconciliation, and problem-solving skills.
• Exceptional attention to detail and organizational skills.
• Ability to manage multiple deadlines and a large claim inventory.
• Strong written and verbal communication skills.
• Proficiency in Microsoft Excel, including formulas, lookups, filtering, pivot tables, and data analysis.
• Experience with mortgage servicing systems such as FICS Mortgage Servicer, MSP, Black Knight, Sagent, or similar platforms is preferred.
• Experience with workflow, reporting, automation, or business intelligence tools is a plus.

Pre-Employment Requirements

• Must be able to successfully pass adrug test.
• Must be able to successfully pass abackground check.
• Candidates must complete therequired interview process prior to starting employment.

Referral Bonus Available!

Earn $100–$500 for successful referrals!