Residential Mortgage Oversight Analyst

Axia Capital Solutions; United States; On-site; USD 90,000 - 130,000; Full time

Job summary

Axia Capital Solutions in the United States seeks an experienced Residential Mortgage Specialist to oversee delinquent and defaulted mortgage loan servicers, ensuring adherence to investor guidelines and optimal outcomes for a multi-billion-dollar portfolio. You will monitor performance, identify gaps, and drive corrective actions across the default lifecycle.

The role requires hands-on oversight of loss mitigation, foreclosure, REO, and liquidation strategies, with a focus on timely, compliant,

Qualifications

• 3-6 years of experience in residential mortgage servicing, default management, or investor/asset management oversight.
• Strong working knowledge of mortgage default lifecycle, including loss mitigation, foreclosure, bankruptcy, and REO.
• Experience overseeing or interacting with third-party servicers in an investor/asset manager context.
• Exposure to non-agency, distressed, or institutional mortgage portfolios is a plus.
• Deep understanding of servicer operations and default resolution workflows.
• Strong analytical and problem-solving skills with the ability to evaluate complex servicing decisions.
• Excellent written and verbal communication skills with ability to engage with servicers and internal stakeholders.
• Ability to manage multiple servicers and portfolios concurrently.
• Comfort working with servicing/reporting data, including Excel; SaaS platforms experience is a plus.

Responsibilities

• Oversee third-party servicers responsible for delinquent and defaulted residential mortgage loans, as well as REOs.
• Monitor servicer adherence to investor guidelines, servicing agreements, regulatory requirements, and internal expectations.
• Evaluate servicer decision-making across the default lifecycle, including loss mitigation, foreclosure, bankruptcy, REO, and liquidation strategies.
• Assess whether servicer actions are timely and aligned with optimal financial/resolution outcomes.
• Review loan-level default activity to ensure appropriate resolution paths based on loan characteristics and investor objectives.
• Identify suboptimal servicing strategies and recommend alternatives; escalate high-risk loans for enhanced review.
• Monitor cure rates, modification activity, foreclosure timelines, liquidation outcomes, and other KPIs.
• Coordinate with servicers to remediate issues and confirm corrective actions are implemented.
• Produce and review portfolio-level and servicer-level reporting related to delinquency, default status, and trends.

Skills

Mortgage servicing

Analytical thinking

Communication skills

Risk assessment

Data reporting

Education

Bachelor's degree in finance, business, real estate, or related field

Tools

Excel

SaaS platforms

Job description

Axia Capital Solutions in the United States seeks an experienced Residential Mortgage Specialist to oversee delinquent and defaulted mortgage loan servicers, ensuring adherence to investor guidelines and optimal outcomes for a multi-billion-dollar portfolio. You will monitor performance, identify gaps, and drive corrective actions across the default lifecycle.

The role requires hands-on oversight of loss mitigation, foreclosure, REO, and liquidation strategies, with a focus on timely, compliant,