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United Wholesale Mortgage · 2 hours ago

Servicing Cash Analyst

US-MI-Pontiac

Full-time

Onsite

Entry, Mid Level

2+ years exp

United Wholesale Mortgage is a leading mortgage company focused on making home ownership possible for more Americans. The Cash Analyst is responsible for ensuring accurate and timely reconciliation of bank accounts related to mortgage servicing, identifying and resolving cash discrepancies, and collaborating with various internal departments.

FinanceFinancial ServicesMortgage

Responsibilities

Perform daily, weekly, and monthly reconciliations of mortgage-related bank accounts (e.g., P&I, T&I, suspense accounts)

Investigate and resolve variances between servicing system records and bank statements

Collaborate with internal departments such as Accounting, Treasury, Investor Reporting, and Loan Servicing to resolve reconciling items

Monitor and maintain general ledger entries related to cash activities

Ensure compliance with investor (Fannie Mae, Freddie Mac, FHA, etc.) and regulatory requirements regarding account reconciliation

Prepare reconciliation reports and documentation for internal audit and regulatory review

Escalate unresolved discrepancies promptly and follow through to resolution

Support month-end and year-end close processes by providing accurate account statuses and required documentation

Recommend process improvements and assist in automation initiatives to improve efficiency and accuracy

Qualification

Mortgage servicing systemsBank reconciliation softwareAccountingFinance degreeCash management experienceRegulatory compliance knowledgeAnalytical skillsProblem-solving skillsAttention to detailOrganizational skillsCommunication skills

Required

Associate's or Bachelor's degree in Accounting, Finance, or related field (or equivalent work experience)

2+ years of experience in mortgage servicing or financial services, with a focus on cash management or reconciliation

Strong knowledge of mortgage servicing systems (e.g., MSP, LoanServ, Black Knight)

Experience with bank reconciliation software and Excel (VLOOKUP, pivot tables, etc.)

Excellent analytical and problem-solving skills

High attention to detail and organizational skills

Strong written and verbal communication skills

Preferred

Experience with custodial account requirements for FNMA, FHLMC, GNMA, or private investors

Familiarity with regulatory guidelines from CFPB, OCC, or HUD

Experience with reconciliation automation tools or scripting is a plus

Benefits

Paid Time Off (PTO) after just 30 days

Additional parental and maternity leave benefits after 12 months

Adoption reimbursement program

Paid volunteer hours

Paid training and career development

Medical, dental, vision and life insurance

401k with employer match

Mortgage discount and area business discounts

Free membership to our large, state-of-the-art fitness center, including exercise classes such as yoga and Zumba, various sports leagues and a full-size basketball court

Wellness area, including an in-house primary-care physician’s office, full-time massage therapist and hair salon

Gourmet cafeteria featuring homemade breakfast and lunch

Convenience store featuring healthy grab-and-go snacks

In-house Starbucks and Dunkin

Indoor/outdoor café with Wi-Fi