Loan Servicing Specialist

Job Summary

Truly Investor Capital is a leading private lender specializing in Residential Transition Loans (RTL), Bridge, Ground-Up Construction, and DSCR financing. We are seeking an experienced and detail-oriented Loan Servicing Specialist to join our Operations team. This role is responsible for servicing a portfolio of real estate loan products from funding through payoff.

Key Responsibilities

• Loan Servicing & Portfolio Management

• Service a portfolio of Residential Transition Loans (RTL), Bridge, Ground-Up Construction, DSCR, and other real estate loan products.
• Process and monitor borrower payments, payoffs, loan modifications, and servicing requests.
• Maintain accurate loan records and servicing data throughout the life of each loan.
• Ensure servicing activities are completed accurately, efficiently, and in accordance with company and investor guidelines.
• Understand the servicing nuances associated with RTL, construction, bridge, and DSCR loan products, including loans with multiple funding advances and changing unpaid principal balances (UPB).

• Collections & Portfolio Performance

• Monitor delinquent accounts and communicate with borrowers regarding past-due payments.
• Aid borrowers in resolving payment issues while maintaining a high level of customer service.
• Negotiate payment arrangements in accordance with company policies.
• Maintain thorough documentation of borrower communications and servicing activities.
• Partner with leadership to help maintain the overall health and performance of the servicing portfolio.

• Borrower Support

• Serve as the primary servicing contact for borrowers following loan funding.
• Respond to borrower inquiries regarding loan payments, balances, payoffs, servicing requests, and account maintenance.
• Research and resolve servicing-related questions in a timely and professional manner.
• Deliver exceptional customer service while building strong borrower relationships.

• Loan Boarding & Transfers

• Board newly funded loans into the servicing platform, ensuring complete and accurate loan data.
• Process loan transfers, including data validation and reconciliation.
• Cook up with internal departments and servicing partners to ensure seamless loan onboarding and transfers.
• Maintain accurate servicing records throughout the loan lifecycle.

• Investor Reporting & Operational Support

• Assist with investor reporting and servicing-related reconciliations.
• Partner with accounting and operations teams to resolve servicing discrepancies.
• Aid with audits, quality control initiatives, and special servicing projects.
• Identify opportunities to improve servicing processes and operational efficiency.

Qualifications & Skills

• Experience

• 2–5 years of loan servicing experience, preferably servicing Residential Transition Loans (RTL), Bridge, Ground-Up Construction, DSCR, or other real estate lending products.
• Experience with collections, borrower support, loan boarding, loan transfers, and investor reporting preferred.
• Experience working in a private lending, hard money, or mortgage lending environment is strongly preferred.

• Knowledge

• Strong understanding of loan servicing operations and servicing best practices.
• Familiarity with the servicing requirements associated with RTL, Bridge, Ground-Up Construction, and DSCR loans.
• Understanding of servicing loans involving multiple funding advances and changing unpaid principal balances (UPB).
• Working knowledge of investor servicing requirements and reporting processes.

• Skills

• Exceptional attention to detail and organizational skills.
• Strong analytical and problem-solving abilities.
• Excellent written and verbal communication skills.
• Ability to manage multiple priorities in a fast-paced, team-oriented environment.

• Technology

• Proficiency with loan servicing systems and Microsoft Office Suite (Excel, Outlook, Word).

• Education

• High school diploma or equivalent required.
• Associate's or Bachelor's degree preferred.

Why Join Truly Investor Capital?

• Highest competitive compensation plus performance bonus.
• Opportunity to join one of the nation's fastest-growing private real estate lenders.
• Collaborative, entrepreneurial culture with direct access to leadership.
• Modern technology and streamlined operational processes designed to support efficiency and success.
• Opportunities for professional development and long-term career growth.