Description Home Mortgage Default Cash Operations Specialist performs accounting functions for internal business lines such as Loss Mitigation Foreclosure, Litigation, Bankruptcy. Default Cash Operations Specialist completes processes in accordance with investor/insurer guidelines and statutory requirements. Accounting functions are often complex and multi-layered and must be completed in a manner that protects our ability to file and collect investor/insurer Claims. Specialist will assist with all facets of Investor Operations to include Claims, Invoice Processing, Corporate Advance, General Ledger Reconciliation and Delinquency Reporting. Primary responsibilities include: + Completing Loan Modification Capitalization and Contributions + Completing Loss Mitigation Partial Claims cash processing. + Completing Investor Payment Deferrals and other investor/insurer workout types + Processing Loss Mitigation Short Sales and litigated Short payoffs. + Processing Suspense funds and Payment reversals + Researching and Reconciling General Ledger accounts + Researching Recoverable and Non-recoverable Corp Advances + Completing Foreclosure and Deed-in-lieu Removals + Maintain accurate records for audit readiness and investor/insurer reporting. + Assisting management with various projects and other Investor Operations functions as needed + Meeting processing deadlines to ensure compliance with department SLAs, policies, procedures, and/or regulatory and risk requirements. + Support internal and external audits by providing requested documentation and clarifications. + Communicate with internal departments (foreclosure, bankruptcy, loss mitigation, REO) to gather required documentation and resolve discrepancies. Key Success factors include: + Knowledge of Loss Mitigation Retention and Liquidation options + Knowledge of the Foreclosure process and state and statutory Foreclosure requirements + Knowledge of Bankruptcy processes + Ability to solve complex accounting issues. + Ability to multi- task and meet firm deadlines. + Ability to adapt procedures, processes, and techniques to the completion of assignments. + Able to independently apply competencies in routine and more complex situations. + Knowledge of the Investor/Insurer and MI companies reporting requirements and deadlines Qualifications/Required Skills/Experience: + 2 to 4 years of experience with Mortgage Servicing Operations + Knowledge of the Foreclosure, Loss Mitigation, Bankruptcy and Collection process + Ability to develop and deliver presentations. + Ability to work independently and have strong analytic skills. + Ability to adapt procedures, processes, and techniques to the completion of assignments. + Able to independently apply competencies in routine and more complex situations. + Work closely with Investor Reporting, Default Claims as well as all other Default Business lines. + Ability to manage competing priorities. + Knowledge of MSP/ Loan Sphere + Advanced Microsoft office skills (Excel/Word/PowerPoint) + Knowledge of regulatory expectations, risk exposure level, compliance deficiencies audit requirements. + Knowledge of strategic analytics, enterprise-wide impacts, and concepts. + Education-Certifications and/or other professional Credentials: HS Diploma, College degree, Associates degree and/or minimum of 3 years mortgage servicing experience Hours & Work Schedule Hours per week: 40 Work Schedule: Monday- Friday 8:30am-5:00pm *This is 4 days in the office hybrid position after successful training period* Some job boards have started using jobseeker-reported data to estimate salary ranges for roles. If you apply and qualify for this role, a recruiter will discuss accurate pay guidance. Equal Employment Opportunity Citizens, its parent, subsidiaries, and related companies (Citizens) provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to age, ancestry, color, citizenship, physical or mental disability, perceived disability or history or record of a disability, ethnicity, gender, gender identity or expression, genetic information, genetic characteristic, marital or domestic partner status, victim of domestic violence, family status/parenthood, medical condition, military or veteran status, national origin, pregnancy/childbirth/lactation, colleague’s or a dependent’s reproductive health decision making, race, religion, sex, sexual orientation, or any other category protected by federal, state and/or local laws. At Citizens, we are committed to fostering an inclusive culture that enables all colleagues to bring their best selves to work every day and everyone is expected to be treated with respect and professionalism. Employment decisions are based solely on merit, qualifications, performance and capability. Why Work for Us At Citizens, you'll find a customer-centric culture built around helping our customers and giving back to our local communities. When you join our team, you are part of a supportive and collaborative workforce, with access to training and tools to accelerate your potential and maximize your career growth Background Check Any offer of employment is conditioned upon the candidate successfully passing a background check, which may include initial credit, motor vehicle record, public record, prior employment verification, and criminal background checks. Results of the background check are individually reviewed based upon legal requirements imposed by our regulators and with consideration of the nature and gravity of the background history and the job offered. Any offer of employment will include further information. 09/30/2025