Remote Escrow Analyst – Mortgage Servicing Expert

Cascade Financial Services; Rapid City (SD); Hybrid; USD 55,000 - 73,000; Full time

Benefits offered by this job

Medical insurance

Dental insurance

Vision insurance

Life Insurance

401K match

Paid time off

Sick time

10 paid holidays

Remote work opportunities

Job summary

You will ensure compliance with RESPA and investor guidelines, analyze tax and insurance disbursements, resolve discrepancies, and collaborate with tax, insurance, and servicing teams to keep records current in our servicing system.

Qualifications

• 2+ years of mortgage servicing experience, with escrow analysis preferred.
• Knowledge of escrow accounting, taxes, hazard insurance, flood insurance, and mortgage servicing practices.
• Understanding of RESPA and applicable mortgage servicing regulations.
• Strong analytical, mathematical, and problem-solving skills.
• Excellent organizational skills and attention to detail.
• Experience with mortgage servicing platforms such as Loanserv, MSP, or similar systems.
• Experience working with FHA, VA, Fannie Mae, Freddie Mac, and other investor guidelines.
• Experience with property taxes and/or insurance processing.

Responsibilities

• Perform annual, interim, and final escrow analyses on mortgage loan accounts.
• Review escrow shortages, surpluses, and deficiencies, and accurately calculate payment adjustments.
• Ensure compliance with RESPA, investor guidelines, and company policies.
• Analyze tax and insurance disbursements to ensure timely and accurate payments.
• Research and resolve escrow discrepancies, payment issues, and customer inquiries.
• Work with tax, insurance, customer service, and servicing teams to resolve account issues.
• Monitor escrow exceptions and follow up with borrowers and authorities.
• Maintain accurate loan records and documentation in the servicing system.
• Assist with audits, quality control reviews, and regulatory examinations.
• Identify opportunities to improve processes and increase efficiency.

Skills

Analytical thinking

Mathematical skills

Problem solving

Organizational skills

Written & verbal communication

Tools

Loanserv

MSP

Excel

Job description

You will ensure compliance with RESPA and investor guidelines, analyze tax and insurance disbursements, resolve discrepancies, and collaborate with tax, insurance, and servicing teams to keep records current in our servicing system.