United Wholesale Mortgage · 12 hours ago
Cash Lockbox ACH Analyst
Pontiac, MI, US
Full-time
Onsite
Entry, Mid Level
2+ years expUnited Wholesale Mortgage is seeking a Cash Lockbox ACH Analyst to ensure the accurate processing, reconciliation, and reporting of mortgage payments. This role involves collaborating with various teams to resolve discrepancies and maintain data integrity while complying with regulatory requirements.
FinanceFinancial ServicesMortgage
Responsibilities
Monitor daily lockbox files and validate that mortgage payments have been received and properly processed
Review and post payments to customer accounts in the servicing system, ensuring accuracy in application (e.g., principal, interest, escrow)
Investigate and resolve payment exceptions, returned items, and misapplied funds
Reconcile lockbox activity against bank reports and internal accounting records
Collaborate with IT, treasury, and bank partners to troubleshoot file transmission errors or payment discrepancies
Research and respond to internal and external inquiries related to payment posting and lockbox exceptions
Prepare daily, weekly, and monthly reports on lockbox activity, exceptions, and trends
Ensure compliance with regulatory requirements (e.g., CFPB, RESPA) and internal servicing guidelines
Recommend process improvements to enhance lockbox efficiency and reduce errors
Support audits and examinations by providing documentation and explanations of lockbox processes and transactions
Qualification
Required
2+ years of experience in mortgage servicing, treasury operations, or lockbox processing
Strong attention to detail and analytical skills
Excellent organizational and time management abilities
Proficiency in Microsoft Excel and other MS Office applications
Working knowledge of lockbox operations and banking systems
Strong problem-solving skills with a customer service mindset
Ability to work independently and collaboratively in a fast-paced environment
Preferred
Associate's or Bachelor's degree in Finance, Accounting, Business, or related field preferred
Experience working with mortgage servicing systems (e.g., MSP, LoanServ, Black Knight) 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
Company
United Wholesale Mortgage
United Wholesale Mortgage is a wholesale mortgage lender.
5001-10000 employees
Funding
Current Stage
Public CompanyTotal Funding
$2.3BKey Investors
The Gores Group
2025-09-09Post Ipo Debt· $1B
2024-12-05Post Ipo Debt· $800M
2021-01-22IPO
Leadership Team
Martim Schnack
VP, IT Enablement
Recent News
2026-01-23
2026-01-17
DBusiness Magazine
2026-01-16
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