Default Management Accounts Payable Supervisor

About the role

Guild Mortgage Company is seeking a Default Management Accounts Payable Supervisor to oversee the timely, accurate, and compliant payment of expenses associated with pre-foreclosure, post-foreclosure, bankruptcy, loss mitigation, REO, legal, and vendor-related activities. This position leads the Accounts Payable team supporting Default operations and ensures adherence to investor, regulatory, and company requirements while driving operational excellence and scalability.

Responsibilities

• Supervise and manage a team responsible for invoice processing and default ledger reconciliation activities.
• Establish clear performance expectations and monitor productivity, accuracy, and timeliness against defined KPIs.
• Coach, develop, and hold team members accountable to quality and compliance standards.
• Participate in hiring, training, performance management, and employee development.
• Oversee end-to-end invoice lifecycle within the ICE invoicing platform, including intake, validation, approval, and payment.
• Monitor daily, weekly, and monthly invoice volumes, aging, and exception queues.
• Ensure invoices are reviewed, approved, and paid in accordance with investor, regulatory, and internal guidelines.
• Partner with business stakeholders to resolve escalations and complex invoice discrepancies.
• Review and evaluate current invoicing rules and workflows within ICE to identify opportunities for increased efficiency.
• Develop and implement auto-approval rules and exception handling strategies to reduce manual processing and improve scalability.
• Partner with business analysts and technology teams to enhance system functionality, reporting, and controls.
• Drive continuous improvement initiatives focused on cycle times, error reduction, and cost efficiency.
• Oversee reconciliation of the loan-level default ledger (TBB2), ensuring accurate tracking of Invoice payments, Vendor refunds, Investor reimbursements.
• Ensure timely and accurate reconciliation for loans exiting default (paid in full, reinstated, or modified).
• Investigate and resolve discrepancies between servicing systems, general ledger, and vendor records.
• Develop and analyze reports to track team performance, invoice processing metrics, and reconciliation status.
• Monitor key operational KPIs (e.g., cycle time, exception rates, backlog, reconciliation aging).
• Provide regular reporting and insights to the Foreclosure Director and senior leadership, including trends, risks, and improvement opportunities.
• Ensure all processes adhere to investor guidelines, regulatory requirements, and internal policies.
• Maintain strong internal controls over invoice approval, payment authorization, and reconciliation processes.
• Support audit requests and provide documentation demonstrating compliance with established procedures.
• Update and maintain procedural documentation related to invoicing and reconciliation workflows.

Qualifications

• Bachelor's Degree directly related to the position or equivalent, required.
• Bachelor’s Degree in Accounting, Finance, Business Administration, or related field preferred, or equivalent experience.
• Minimum seven years mortgage servicing experience, with strong exposure to default operations (pre-foreclosure, post-foreclosure, bankruptcy, loss mitigation. REO and property preservation).
• Prior experience in accounts payable, invoicing, or financial reconciliation required.
• Minimum three years supervisory or leadership demonstrated experience managing and developing teams in a metrics-driven environment.
• Strong analytical skills with the ability to identify trends, discrepancies, and process improvement opportunities.
• Advanced proficiency in Excel and reporting tools; ability to interpret and present KPI data.
• Highly detail-oriented with strong organizational and time management skills.
• Ability to manage competing priorities in a fast-paced, deadline-driven environment.
• Strong communication and collaboration skills across operational and corporate functions.
• Continuous improvement mindset with focus on automation, scalability, and efficiency.
• Experience with ICE Mortgage Technology systems or similar invoicing platforms strongly preferred.
• Strong understanding of default-related expense management and investor reimbursement processes.
• Knowledge of mortgage default servicing processes and expense management.
• Understanding of investor reimbursement requirements and claim filing processes.
• Strong leadership and team development skills.
• Attention to detail and commitment to accuracy.
• Ability to identify process improvements and implement best practices.
• Excellent verbal and written communication skills required.
• Highly organized and detail-oriented; ability to work in a fast-paced, metrics-driven environment required.
• Proficiency in Microsoft Office Suite, Word, Excel, Wiki, collaborative cloud-based programs, and third-party software applications required.

Benefits

Guild offers a pleasant work environment, competitive compensation and excellent benefits package; including medical, dental, vision, life insurance, AD&D, LTD and 401(k) with employer match.

Pay

This role is an exempt position with a targeted salary range of $73,179 to $102,908 annually. Compensation at Guild is influenced by a wide array of factors including but not limited to local and federal minimum wage requirements, education, level of experience, and applicant’s geographical location.