Mortgage Cash Specialist: Payment Posting & Reconciliation

VyStar Credit Unions; Jacksonville (FL); On-site; USD 42,000 - 65,000; Full time

Benefits offered by this job

401(k) Plan

Tuition reimbursement

Paid training

Job summary

VyStar Credit Union is seeking a Mortgage Servicing Cash Specialist in Jacksonville, FL to ensure accurate processing of mortgage payments, daily cash balancing, and resolution of unapplied funds. The role requires strong Excel skills and prior mortgage servicing cash management experience.

Join a team that emphasizes risk-aware operations and customer service, supporting escrow, investor reporting, and payment processing workflows in a fast-paced environment.

Qualifications

• Minimum two years of experience in a financial institution with familiarity in cash management, payment processing, preferably mortgage loan servicing.
• 2+ years of experience in mortgage servicing cash management, investor accounting, or loan servicing operations preferred.
• Proficiency with Microsoft Excel and Outlook.
• Strong analytical, research, and problem-solving skills.
• High attention to detail with ability to meet strict deadlines.

Responsibilities

• Process all mortgage payments (ACH, lockbox, branch deposits, online payments, wires). Post payments accurately to principal, interest, escrow, fees, and corporate advances.
• Review daily cash exception reports and resolve misapplied or rejected payments. Manage and clear all suspense/unapplied funds within established timelines.
• Conduct daily, weekly, and month-end cash balancing and reconcile variances.
• Coordinate with Escrow, Customer Service, Loss Mitigation, and Investor Accounting for payment-related corrections.
• VyStar Excellence behaviors: focus, connect, counsel, advance, verify follow-up action.

Skills

Strong communication skills

Detail oriented

Analytical skills

Team player

Problem solving

Ability to meet deadlines

Education

High School Diploma or GED

Tools

MS Excel

Outlook

MS Office

Black Knight MSP

Sagent

LoanSphere

Job description

VyStar Credit Union is seeking a Mortgage Servicing Cash Specialist in Jacksonville, FL to ensure accurate processing of mortgage payments, daily cash balancing, and resolution of unapplied funds. The role requires strong Excel skills and prior mortgage servicing cash management experience.

Join a team that emphasizes risk-aware operations and customer service, supporting escrow, investor reporting, and payment processing workflows in a fast-paced environment.