Mortgage Operations SME

We are looking for an experienced Mortgage Operations Subject Matter Expert to support mortgage servicing compliance and reconciliation activities for a contract position based in Blue Ash, Ohio. This role can be remote in the EST/CST time zones.

Responsibilities

• Review mortgage servicing account activity across custodial, escrow, remittance, and payoff functions to confirm accuracy and compliance with established requirements.
• Perform detailed reconciliations between servicing platform records, bank activity, general ledger balances, and investor reporting outputs to identify and resolve variances.
• Analyze large volumes of financial and operational data to detect breaks, aging items, process gaps, and potential control deficiencies.
• Investigate discrepancies through structured root cause analysis and prepare clear recommendations to support corrective action and long-term remediation.
• Use advanced Excel techniques, including formulas, pivot tables, and comparison methods, to organize data and support reconciliation reporting.
• Support oversight of agency and private investor reporting processes by validating data integrity, completeness, and timeliness of submissions.
• Prepare organized, audit-ready documentation that clearly explains findings, supporting evidence, and recommended next steps for review by stakeholders.
• Contribute to remediation efforts involving complex or aged unreconciled items, including prioritization, tracking, and resolution support across high-volume populations.

Requirements

• At least 3 years of experience in mortgage servicing, investor accounting, treasury operations, reconciliations, or related servicing operations.
• Strong knowledge of custodial accounts, escrow activity, principal and interest remittances, advances, payoffs, and investor reporting practices.
• Proven ability to reconcile servicing data against bank accounts, ledger balances, and investor-facing reports with a high degree of accuracy.
• Advanced Excel proficiency, including complex formulas, pivot tables, and data analysis techniques used for reconciliations and exception review.
• Experience working with mortgage servicing platforms such as MSP, Sagent LoanServ, Fiserv, or comparable servicing systems.
• Demonstrated skill in identifying operational issues, evaluating control weaknesses, and documenting remediation recommendations.
• Excellent attention to detail, strong analytical thinking, and the ability to manage multiple deadlines effectively.
• Experience in audit, consulting, public accounting, or large-scale custodial reconciliation projects is preferred.

Benefits

• Medical, vision, dental, and life and disability insurance.
• Eligibility to enroll in our company 401(k) plan.