Supervisor, Escrow Analysis

Navy Federal Credit Union; Winchester (VA); On-site; USD 90,000 - 130,000; Full time

Job summary

Navy Federal Credit Union is looking for an Escrow Analysis Supervisor to lead the Escrow Analysis team, ensuring timely annual escrow analysis, new loan boarding reviews, and accurate maintenance of escrow accounts compliant with RESPA/HUD.

You will direct complex tasks, coordinate with vendors and regulators, monitor reports, drive process improvements, and mentor staff while ensuring budget adherence and accurate scorecards.

Qualifications

• Advanced knowledge of RESPA guidelines and escrow processing.
• Significant experience in mortgage account management servicing operations.
• Advanced knowledge of mortgage lending concepts and principles.
• Advanced knowledge of insurance/escrow requirements.
• Experience supervising and leading employees.

Responsibilities

• Direct processing of New Loan Boarding reviews for all new mortgages entering into the mortgage servicing system.
• Monitor process of reviewing loan data obtained from mortgage loan documents to ensure accuracy and timeliness of tax and insurance bills.
• Supervise responses to electronic and online communications from members, regulators, investors and vendors.
• Define methods for escrow analysis, reconciliation and penalties within regulatory compliance.
• Ensure tax lines are correct per RESPA and HUD guidelines.
• Review production and exception reports to identify and resolve issues.
• Act as liaison with vendors and taxing authorities on escrow matters.
• Serve as point of contact for escalated inquiries from members, staff, and management.
• Participate in ongoing strategic planning with senior management.
• Analyze and compile weekly, monthly and annual reports for management.
• Ensure timely completion of employee and vendor scorecards.
• Develop and monitor productivity standards and outcomes.
• Assess daily production and adjust work assignments accordingly.
• Develop and maintain procedures for the section.
• Review disputed evaluation results and negotiate resolution with appropriate parties.
• Analyze workflows and implement process improvements with business partners.
• Collaborate with Quality Control on monthly reviews and further review items.
• Review audit reports and drive quality improvement with partners.
• Manage annual budget to prevent overruns and support variance reporting.
• Ensure adherence to investor guidelines and applicable regulations.
• Supervise Mortgage Tax & Escrow output and trends for completeness and compliance.
• Organize responses to risk assessments and audits.
• Participate on the Escrow Functional Advisory Committee with Vendor.
• Perform other duties as assigned.

Skills

Mortgage servicing

Leadership

Regulatory compliance

Advanced analysis

Budget management

Vendor coordination

Problem solving

Communication

Project management

Attention to detail

Education

Bachelor's Degree in Business, Finance or related field

Tools

Mortgage Servicing Systems

Excel

Word processing / spreadsheets

Job description

Overview

To supervise the functions and day-to-day activities of the Escrow Analysis team, ensuring timely and accurate completion of annual analysis of member escrow accounts, establishing of escrow accounts, removal of escrow accounts and New Loan Boarding reviews. Ensures the performance of all duties in accordance with Navy Federal's policies and procedures, all U.S. state and federal laws and regulations, protecting Navy Federal assets. Oversee/direct and lead complex/difficult tasks of moderate to considerable impact and considerable latitude requiring advanced analysis.

Responsibilities

• Direct processing of New Loan Boarding reviews for all new mortgages entering into the mortgage servicing system
• Monitor process of reviewing loan data obtained from the mortgage loan documents received at closing to minimize risk, penalty or damage from non-payment to ensure accuracy and timeliness of all tax and insurance bills
• Supervise the responses to electronic and Web online e-messages, written, and telephone communications from member and non-members (i.e. regulators, Investors, vendors)
• Control and define methods for escrow analysis, reconciliation, and penalties within regulatory compliance
• Ensure tax lines are correct in compliance with Real Estate Settlement Procedure Act (RESPA) and Housing and Urban Development (HUD) guidelines
• Review production and exception reports to identify and resolve exceptions
• Acts as liaison with vendor and taxing authorities in matters relating to escrow accounts
• Serve as point of contact for responding to and resolving escalated inquiries from the members, staff, and management
• Participate in ongoing strategic planning process with senior management team
• Analyze and compile statistical reports weekly, monthly, annually for management
• Ensure timely and accurate completion of all employee and vendor scorecards
• Develop and implement measurable productivity standards and monitor outcomes
• Assess daily production and adjusts work assignments to meet work volume fluctuations
• Develop and maintain procedures for the section
• Review and research disputed evaluation results; determine and negotiate resolution with appropriate parties
• Analyzes workflow, procedures, and practices, and provide recommendations for projects and process improvement initiatives involving the improvement of controls in the overall servicing; collaborate with business partners and vendors as necessary and communicate updates to staff
• Collaborate with Quality Control (QC) on monthly reviews and items requiring additional review
• Review audit reports from business partners (internal audit, Quality control, risk and compliance) and collaborate to drive quality improvement
• Proactively manage to the annual budget to prevent overruns and assist in the preparation of monthly variance tracking reports
• Ensures adherence to investor guidelines, state and federal regulations and alignment with Navy Federal policies and procedures
• Supervises Mortgage Tax & Escrow output and trends to ensure completeness, accuracy and compliance with applicable rules and regulations
• Organize and prepare a response to all risk assessments and audits, internal and external
• Serves on the Escrow Functional Advisory Committee with Vendor
• Performs other duties as assigned or appropriate

Qualifications

• Ability to meet deadlines and to handle simultaneous tasks and projects in a fast paced environment
• Advanced knowledge of RESPA guidelines and loan documentation as well as Escrow Analysis Processing
• Significant experience in mortgage account management servicing operations
• Advanced knowledge of mortgage lending concepts and principles
• Advanced knowledge insurance/escrow requirements
• Advanced knowledge of lending products and applicable federal guidelines/laws (e.g., HUD, the Real Estate Settlement Procedures Act (RESPA) etc.)
• Experience in supervising and leading employees
• Working knowledge of Mortgage Production and/or Mortgage Servicing Systems
• Advanced organizational, planning, time management, and problem solving skills
• Advanced skill in exercising initiative and using good judgment to make sound decisions
• Advanced skill interacting tactfully and effectively in difficult situations
• Advanced verbal and written communication skills
• Effective word processing and spreadsheet software skills
• Effective skill developing, coaching and motivating employees to achieve production results

Desired Qualifications

• Knowledge of Navy Federal objectives, policies & procedures, organizational and functional relationships
• Bachelor's Degree in Business, Finance or related field or equivalent education/experience

Additional Information

Hours:

• Monday - Friday, 8:00AM - 4:30PM

Location:

• 820 Follin Lane, Vienna, VA 22180
• 141 Security Drive, Winchester, VA 22602
• 5510 Heritage Oaks Drive, Pensacola, FL 32526

About Us

Navy Federal provides much more than a job. We provide a meaningful career experience, including a culture that is energized, engaged and committed; and fierce appreciation for our teams, who are rewarded with highly competitive pay and generous benefits and perks. Our approach to careers is simple yet powerful: Make our mission your passion.* FORTUNE 100 Best Companies to Work For 2026* Yello and WayUp Top 100 Internship Programs 2025* Computerworld Best Places to Work in IT 2026* Most Loved Workplace - America's Top Most Loved Workplaces 2025* 2025 PEOPLE Companies That Care* Newsweek Most Trustworthy Companies in America 2026* Military Times 2025 Best for Vets Employers* Forbes 2026 America's Best Large Employers* Forbes 2025 America's Best Employers for New Grads* Forbes 2025 America's Best Employers for Tech Workers* 2025 RippleMatch Campus Forward Award Winner for Overall Excellence* Military.com Top Military Spouse Employers 2025* 2026 Handshake Early Talent Award* Newsweek America's Greatest Workplaces for Culture, Belonging and Community 2026From Fortune Magazine. 2026 Fortune Media IP Limited. All rights reserved. Used under license. Fortune and Fortune 100 Best Companies to Work For are registered trademarks of Fortune Media IP Limited and are used under license. Fortune Magazine, Fortune Media (USA) Corporation, and its affiliates are not affiliated with, and do not endorse products or services of, Navy Federal Credit Union.

Equal Employment Opportunity:

All qualified applicants will receive consideration for employment without regard to age, race, sex, color, religion, national origin, disability, veteran status, pregnancy, sexual orientation, genetic information, gender identity or any other basis protected by applicable law.

Accommodations:

If you need accommodation or assistance for a qualifying condition to complete the online application (or during any stage of the hiring process), you can contact Navy Federal's Medical Accommodations team at [e-mail] or by calling 1-888-503-6013. This team cannot provide any information on job postings or application status.

Disclaimers:

Navy Federal reserves the right to fill this role at a higher/lower grade level based on business need. An assessment may be required to compete for this position. Job postings are subject to close early or extend out longer than the anticipated closing date at the hiring team's discretion based on qualified applicant volume. Navy Federal Credit Union assesses market data to establish salary ranges that enable us to remain competitive. You are paid within the salary range, based on your experience, location and market position. For additional details regarding compensation and benefits, review the Benefits page of the Navy Federal Career Site.

Protect Yourself from Job Scams:

Navy Federal Credit Union jobs are posted on our career site, jobs.navyfederal.org and reputable job boards (e.g., LinkedIn, Indeed). We do not post jobs on social media marketplaces, messaging apps or unverified websites. We will never ask candidates for payment, bank details or personal financial information during the hiring process.

Bank Secrecy Act:

Remains cognizant of and adheres to Navy Federal policies and procedures, and regulations pertaining to the Bank Secrecy Act.