Credit Operations Analyst

Qualifications

• 3-5 years of experience in mortgage loan servicing or a related field.
• Strong knowledge of loan servicing systems and escrow processes.
• Familiarity with regulatory requirements like RESPA, TILA, and CFPB guidelines.
• Excellent analytical, problem-solving, and communication skills.
• Ability to manage multiple tasks and prioritize effectively.
• Detail-oriented with a high degree of accuracy.
• Proficient in Microsoft Office Suite (Excel, Word, Outlook).
• Strong understanding of mortgage loan documentation.
• Familiarity with Horizon XE or Encompass is a plus.
• Fluent in English; advanced Portuguese preferred.

Responsibilities

• Manage day-to-day servicing activities for mortgage loan portfolios.
• Perform payment processing, escrow analysis, and tax and insurance tracking.
• Handle customer inquiries related to loan servicing and payment status.
• Analyze and resolve loan servicing issues, including delinquencies and modifications.
• Prepare and review loan payoff statements and ensure accurate processing.
• Monitor compliance with federal, state, and investor guidelines.
• Assist in preparing and delivering periodic loan servicing reports.
• Collaborate with internal teams and external vendors to resolve discrepancies.
• Support audit and quality control processes related to loan servicing.
• Maintain accurate records and documentation for all servicing activities.
• Board closed mortgage loans onto the Bank's core system, FIS Horizon XE.
• Identify and implement process improvements and automation opportunities.

Benefits

• Opportunity to be part of a rapidly growing international platform in the U.S.
• Entrepreneurial and performance-driven culture with long-term career development potential.
• Exposure to a broad range of credit products and financial instruments across Latin America and global markets.
• Collaborative and inclusive work environment that values diversity of thought and background.