Default Reporting Specialist

Valon Mortgage

11h

About The Position

The Default Reporting Specialist is responsible for producing, validating, and delivering accurate and timely default-reporting to investors and insurers within the delinquency and default mortgage servicing lifecycle. This role supports servicing leadership, default operations teams (collections, loss mitigation, foreclosure, bankruptcy, REO), compliance, and investor reporting needs. The Default Reporting Specialist ensures default reporting aligns with internal policy, investor requirements, and regulatory expectations while identifying illogical status codes, trends, and recommending process improvements.

Requirements

• 2+ years of experience in mortgage default reporting for Fannie Mae, Freddie Mac, PMI, FHA, VA, and USDA.
• Working knowledge of default servicing functions: collections, loss mitigation, foreclosure, bankruptcy, and REO.
• Proficiency with Excel (pivot tables, advanced formulas, data validation, reconciliations).
• Experience producing recurring operational or investor-facing reports with strong attention to detail.
• Ability to interpret and apply metric definitions and business rules consistently.
• Strong communication skills — able to explain report results, variances, and definitions to non-technical stakeholders.
• Minimum education requirement: High school diploma or GED equivalent required

Responsibilities

• Reviews, prepares, and submits monthly default status and delinquency reporting to investors and insurers.
• Ensures monthly reporting is accurate - works with other default areas to resolve illogical reporting conditions
• Ensures monthly reporting is delivered timely according to investor/insurer requirements
• Resolves investor/insurer edits/correction requests within 24 hours of receipt
• Escalates problems with reporting submission and inaccurate codes prior to reporting deadlines
• Responds to audit requests and audit findings relative to default reporting to
• Ensure reports are delivered on time to internal stakeholders and external parties (investors, auditors, etc.) as required.
• Perform reconciliations, variance analysis, exception review, and root-cause investigation for illogical and/or inaccurate status and RFD codes
• Maintains documentation for report logic and reporting errors.
• Identify trends in default reporting performance,
• Monitor KPI/SLA performance for default reporting
• Present insights and recommendations to leadership to drive operational improvements.
• Partner with Default Ops, Data/BI, and Compliance to improve reporting processes, automate manual reporting, and refine metric definitions.
• Support creation of dashboards and repeatable report templates.
• Contribute to change management during system updates, mapping changes, or investor requirement changes.

Benefits

• Compensation: competitive salary and 401 (k) plan
• Health & well-being: we’ll invest in your physical and mental well-being with comprehensive medical, dental, & vision benefits
• Food & meals: in-office snacks and drinks, and Bagel Fridays
• Commuter benefits: We offer pre-tax deductions for public transportation, rideshare services, and parking expenses to make your commute more affordable and convenient.
• Grow together: Company-wide orientation for you to successfully onboard and other learning & development opportunities, including regular review cycles that feature 360-degree feedback
• Generous time off: 17 days paid time off, sick days, and 11 company holidays
• Baby bonding time!: 12 weeks off for both birthing and non-birthing parents - fully paid, so you can focus your energy on your newest addition

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: High school or GED