Loan Servicing Representative

AppleOne Employment Services; Aliso Viejo (CA); On-site; USD 75,000 - 105,000; Full time

Job summary

AppleOne is seeking a Loan Servicing Representative in Orange County to manage the complete lifecycle of private money note and trust deed administration. You will handle reconveyances, payoffs, modifications, and compliance reporting with accuracy and discretion, communicating clearly with borrowers, investors, and outside professionals.

The ideal candidate has 5+ years of hard money loan servicing, established relationships with escrow/title/foreclosure firms, and deep knowledge of note and

Qualifications

• Minimum 5 years of experience servicing hard money / private money loans.
• Established working relationships with escrow, title, foreclosure companies, and law firms.
• Demonstrated experience with NOD and foreclosure administration.
• Strong knowledge of note and trust deed law and documentation.
• Proficiency with loan servicing software platforms.

Responsibilities

• Administer mortgage loan servicing from funding through payoff, including complete note and trust deed administration.
• Process reconveyances, payoff demands, and verifications of mortgage.
• Process loan modifications and extensions.
• Learn and operate within TMO loan servicing software.
• Perform bank and trust account reconciliation.
• Prepare and submit quarterly and annual compliance reporting.
• Respond to inquiries from investors and borrowers with accuracy and professionalism.
• Coordinate with third‑party foreclosure trustees and manage NOD and foreclosure process.

Skills

Mortgage loan servicing

Attention to detail

Communication skills

Discretion with confidential info

Independent problem solving

Trustworthiness

Tools

TMO loan servicing software

Job description

AppleOne is pleased to partner with a successful and growing company in Orange County needing a Loan Servicing Representative.

The Loan Servicing Representative is responsible for the complete lifecycle of note and trust deed administration on private money loan portfolio. This role requires precision, discretion, and judgment — there is no margin for error. The ideal candidate combines deep technical loan servicing expertise with the composure and communication skill to manage sensitive conversations with borrowers, investors, and outside professionals (escrow, title, foreclosure, and legal partners).

Key Responsibilities

• Administer mortgage loan servicing from funding through payoff, including complete note and trust deed administration
• Process reconveyances, payoff demands, and verifications of mortgage
• Process loan modifications and extensions
• Learn and operate proficiently within TMO loan servicing software
• Perform bank and trust account reconciliation
• Prepare and submit quarterly and annual compliance reporting
• Respond to inbound inquiries from investors and borrowers with accuracy and professionalism
• Initiate outbound phone contact with borrowers and investors as needed
• Communicate financial resolutions clearly and empathetically to borrowers
• Coordinate with third‑party foreclosure trustees and manage the Notice of Default (NOD) and foreclosure process from initiation through completion
• Calculate prepayment penalties accurately
• Process payment statements, delinquency notices, balloon payment notices, and senior lien notices
• Follow up on lease affidavits and maintain tenant communication on rental properties where a borrower has stopped making monthly payments

Required Qualifications

• Minimum 5 years of experience servicing hard money / private money loans
• Established working relationships with escrow companies, title companies, foreclosure companies, and law firms
• Demonstrated experience with NOD and foreclosure administration
• Strong working knowledge of note and trust deed law and documentation
• Proficiency (or fast aptitude) with loan servicing software platforms
• Exceptional attention to detail — this role has zero tolerance for error
• Clear, concise, accurate, and timely written and verbal communication
• High degree of initiative and resourcefulness; comfortable solving problems independently
• Unquestionable trustworthiness and discretion with confidential financial information
• Strong alignment with Alliance Portfolio's mission, vision, and values

Success Metrics (KPIs)

• Accuracy rate on payoff demands, reconveyances, and reinstatement figures
• Timeliness of compliance reporting (quarterly/annual deadlines met)
• Bank and trust account reconciliation turnaround and error rate
• NOD/foreclosure files processed within required statutory and investor timelines
• Investor and borrower response time (inquiries acknowledged/resolved)
• Delinquency and NOD portfolio trend (early identification and resolution rate)

What Success Looks Like: A Loan Servicing Representative who thrives here treats every loan file as if it were their own capital at risk — proactive about delinquency before it becomes a problem, precise in every calculation and notice, and a calm, trustworthy voice for borrowers and investors alike during difficult conversations. This person represents the brand in every interaction and reinforces the trust that is central to our name.

Equal Opportunity Employer / Disabled / Protected Veterans

The Know Your Rights poster is available at https://www.eeoc.gov/sites/default/files/2023-06/22-088_EEOC_KnowYourRights6.12.pdf.

The pay transparency policy is available at https://www.dol.gov/sites/dolgov/files/ofccp/pdf/pay-transp_%20English_formattedESQA508c.pdf.

For temporary assignments lasting 13 weeks or longer, AppleOne is pleased to offer major medical, dental, vision, 401k and any statutory sick pay where required.

We are committed to working with and providing reasonable accommodations to individuals with disabilities. If you need a reasonable accommodation for any part of the employment process, please contact your staffing representative who will reach out to our HR team.

AppleOne participates in the E‑Verify program in certain locations as required by law. Learn more about the E‑Verify program at https://e-verify.uscis.gov/web/media/resourcesContents/E-Verify_Participation_Poster_ES.pdf.

We also consider for employment qualified applicants regardless of criminal histories, consistent with legal requirements, including, if applicable, the City of Los Angeles’ Fair Chance Initiative for Hiring Ordinance. Pursuant to applicable state and municipal Fair Chance Laws and Ordinances, we will consider for employment‑qualified applicants with arrest and conviction records, including, if applicable, the San Francisco Fair Chance Ordinance. For Los Angeles, CA applicants: Qualified applications with arrest or conviction records will be considered for employment in accordance with the Los Angeles County Fair Chance Ordinance for Employers and the California Fair Chance Act.