Mortgage Escrow Analyst

Responsibilities

• Aid the Senior Mortgage Escrow Administrator with Escrow Analysis
• Pay Home Owner’s Policies and PMI payments from Escrow Accounts
• Prepare and complete annual escrow analyses for all applicable loans
• Review escrow account activity for accuracy, identifying shortages, surpluses, and required adjustments
• Generate borrower escrow statements and ensure timely distribution
• Research variances or unusual account behavior and escalate findings as needed
• Collaborate with Third‑Party Vendor (Lereta) for Property Tax Payments and Issue Resolution
• Coordinate with Lereta to ensure timely and accurate payment of property taxes for escrowed loans
• Monitor payment files, exception reports, and tax bill updates provided by the vendor
• Investigate and resolve tax-related issues, including missing bills, payment discrepancies, or jurisdictional questions
• Serve as a liaison between Lereta, borrowers, and internal departments to ensure smooth tax servicing operations
• Perform Initial Escrow Analysis on New Loans
• Conduct initial escrow projections for newly originated or newly boarded loans
• Verify property tax and homeowner’s insurance amounts to confirm correct escrow setup
• Calculate required monthly escrow contributions and initial escrow deposits in accordance with RESPA and organizational standards
• Ensure accurate mapping of escrow accounts into servicing systems
• Assist with Tracking and Managing Delinquent Property Taxes
• Review delinquency reports from tax authorities and vendors
• Research delinquent tax notifications and take appropriate action to protect the lender’s interest
• Maintain detailed tracking logs of delinquent parcels, payments, and resolutions
• Afford delinquent tax status updates to internal teams and borrowers when necessary

Qualifications

• A high school diploma or equivalent
• A strong attention to detail and accuracy
• Excellent communication and member‑service skills
• The ability to multitask and adapt in a fast‑paced environment
• A basic understanding of loan servicing or financial services operations
• Preferred experience in loan servicing, insurance products (CPI/GAP), payoffs, or dealership processing
• Familiarity with FICS or comparable Servicing systems
• An understanding of Escrow Administration

Additional Skills/Notes

• Member‑focused communication
• A strong attention to detail
• Organizational skills and time management
• Adaptability and willingness to assist wherever needed
• Teamwork and collaboration
• Accountability and consistent follow‑through