Job Overview
Location
Remote
Job Type
Full-time
Category
Operations
Date Posted
February 24, 2026
Full Job Description
đź“‹ Description
- • Valon is at the forefront of revolutionizing the mortgage industry, leveraging a cutting-edge, technology-first approach to both mortgage servicing and consumer direct lending. As a rapidly growing company backed by prominent investors like Andreessen Horowitz (a16z) and managing a substantial portfolio exceeding $130 billion in loans, we are not relying on outdated systems. Instead, we have meticulously built our platforms from the ground up to ensure unparalleled transparency, efficiency, and a superior customer experience for homeowners, lenders, and investors alike. Our AI-native operating system is designed to automate processes, ensure robust compliance, and drive continuous improvement across all facets of our servicing and lending operations.
- • Our core mission is to simplify, secure, and financially empower every homeowner by transforming the mortgage experience. This ambitious goal is realized through the collective efforts of our world-class team, comprising dedicated engineers, seasoned servicing experts, skilled lending professionals, and visionary operations leaders, all united by a shared passion for enhancing the homeowner journey. By joining Valon, you become an integral part of a company that is not only redefining the present landscape of mortgage servicing and lending but also actively shaping the future of the entire industry. We are building the future of regulated finance, and your contribution will be pivotal.
- • The Default Analyst - Mortgage Assistance Underwriter role is central to our commitment to supporting homeowners facing financial challenges. You will be a key member of the Mortgage Assistance team, a group characterized by its organization and deep sense of altruism. This team is dedicated to providing exceptional customer service to homeowners experiencing financial hardship that affects their ability to meet their monthly mortgage obligations. You will take full ownership of these situations, offering comprehensive support by educating homeowners on available Mortgage Assistance programs and guiding them meticulously through the entire process, with the ultimate aim of preventing foreclosure.
- • Equipped with extensive knowledge of the mortgage industry and a commitment to Valon's mission of championing homeownership, you will be instrumental in finding the best workout solutions for homeowners within Valon's servicing portfolio. This role is crucial for strengthening both homeowner relationships and investor confidence. You will report directly to the Director of Loss Mitigation and will be responsible for delivering best-in-class customer service to both homeowners and internal stakeholders, directly contributing to Valon’s strategic objectives.
- • Your responsibilities will encompass the critical review and implementation of loss mitigation workout options within the Mortgage Assistance business unit. Under the general supervision of the Mortgage Assistance Manager, you will manage a caseload of files from initial application through to modification completion. This includes a fundamental understanding of mortgage servicing processes and providing essential support to the broader Underwriting team.
- • A significant aspect of your role will involve meticulously reviewing customer documentation within regulatory timeframes (e.g., 30 calendar days as per Regulation X) to ascertain homeowner eligibility for loss mitigation options. You will be responsible for accurately reporting this information to investors, clients, and insurers. This will also involve ordering and critically reviewing Broker Price Opinions (BPOs), Automated Valuation Models (AVMs), and appraisals as necessary.
- • You will be tasked with calculating income, expenses, and escrow advances, ensuring strict adherence to departmental policies and investor/insurer/client guidelines. Maintaining accurate and timely updates within our systems, including template steps and system notes, will be crucial to reflect the current status of each file. Furthermore, you will order and review title searches when applicable.
- • The role requires you to review and implement various loss mitigation solutions, including loan modifications, forbearances, repayment plans, short sales, and deeds in lieu of foreclosure, strictly in accordance with investor, client, and insurer requirements. For short sale scenarios, you will analyze marketing strategies, listing history, and offer activity to ensure optimal outcomes.
- • You will manage counter offers according to established departmental procedures and investor/insurer/client guidelines. Proactively requesting and following up on foreclosure holds will be a necessary part of your workflow. Submission of loss mitigation requests to investors/clients/MI for approval will be required when necessary.
- • In cases where homeowners do not qualify for a workout option, you will be responsible for declining files in accordance with departmental procedures and investor/client/insurer guidelines, and subsequently preparing and sending appropriate denial letters. You will also prepare and issue trial period documents, forbearance plan documents, repayment plan agreements, short sale approvals, closing letters, and decline letters as needed.
- • Effective communication is paramount. You will be expected to contact homeowners and real estate agents to provide clear and timely status updates on their files. Handling all written and verbal correspondence with professionalism is essential when interacting with homeowners, clients, investors, insurers, subordinate lien holders, real estate agents, consumer credit counseling services, and foreclosure attorneys.
- • You will participate in the 2nd Look/QA process to guarantee compliance with investor/insurer/client guidelines. Collaboration with external vendors will be required to oversee the generation and compliance of documentation for modifications, short sales, and deeds in lieu of foreclosure. This role offers the opportunity to make a tangible impact on homeowners' lives while contributing to Valon's mission of financial empowerment and homeownership preservation.
🎯 Requirements
- • High School Diploma or equivalent required.
- • 2 years of experience in Collections, Loss Mitigation, or other mortgage banking, mortgage servicing, or real estate-related fields.
- • Knowledge of FHA, VA, USDA, Fannie Mae/DU, and Freddie Mac / LPA guidelines and automated underwriting systems.
- • Ability to critically examine credit, income, assets, title, and appraisals for adherence to company, investor, and GSE underwriting guidelines.
- • Understanding of the Fair Debt Collection Protection Act.
🏖️ Benefits
- • Competitive salary and 401(k) plan.
- • Comprehensive medical, dental, and vision benefits for physical and mental well-being.
- • Generous paid time off: 17 days paid time off, sick days, and 11 company holidays.
- • Fully paid 12 weeks of baby bonding time for both birthing and non-birthing parents.
Skills & Technologies
Go
Remote
About Valon VM Inc.
Valon VM is a cloud infrastructure provider specializing in bare metal servers and dedicated hosting solutions. They offer high-performance computing resources tailored for demanding workloads such as game servers, AI/ML applications, and large-scale data processing. Valon VM focuses on providing robust, scalable, and secure infrastructure with a commitment to excellent customer support and competitive pricing. Their services are designed for businesses and individuals who require direct control over their hardware and network, ensuring optimal performance and reliability for their critical applications and services.
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