Mortgage Operations Specialist (Loan Servicing)

Job Description

Job Description

Mortgage Operations Specialist (Leadership Track)

Location: Chandler, AZ

Department: Loan Servicing

Job Type: Full-time | On-site

About Oaktree Funding

Oaktree Funding is a 35-year mortgage lender headquartered in Chandler, AZ. We’ve grown by combining stability, operational excellence, and a culture built around teamwork. We’ve never had a layoff in company history, and our success is driven by strong collaboration between sales, operations, and servicing.

We are now expanding our Operations Servicing team and seeking a high-caliber Mortgage Operations Specialist who not only understands servicing but can also provide leadership, drive process improvements, and operate as a central point of control across the servicing lifecycle.

Position Overview

This role is designed for a seasoned servicing operator with leadership capability —someone who can take ownership of post-funding operations, manage servicing workflows, and elevate our processes as we grow.

You will serve as the operational quarterback between internal departments, our sub-servicer, investors, and borrowers. Your work ensures that loans board cleanly, payments apply correctly, delinquencies are addressed proactively, and investor and regulatory requirements are fully met.

This is an excellent role for someone who has supervised teams before—or who has acted as the “go-to” operations expert—but still enjoys rolling up their sleeves to handle complex servicing work.

Key Responsibilities

Servicing Leadership & Operational Ownership

• Act as the primary servicing liaison between Oaktree, our sub-servicer, borrowers, and internal departments.
• Provide leadership by establishing servicing standards, tracking performance metrics, and escalating issues proactively.
• Identify operational risks early (EPDs, escrow shortages, transfer defects, data discrepancies) and drive resolution.
• Champion process improvements to strengthen accuracy, compliance, and borrower experience.

Loan Servicing, Payment Processing & Collections

• Oversee payment applications, payoffs, suspense resolution, and escrow accounts (taxes, insurance, PMI).
• Monitor delinquency and conduct borrower outreach on past-due accounts to resolve issues early.
• Negotiate repayment solutions within company and investor guidelines.
• Document all borrower communications in a compliant and audit-ready manner.
• Manage early payment defaults and support loss-mitigation touchpoints to prevent repurchase exposure.

Loan Boarding, Transfers & Data Integrity

• Own end-to-end loan boarding for all funded loans, ensuring accurate, complete, and compliant data.
• Validate collateral, escrow, payment history, and compliance documentation during boarding.
• Coordinate transfer-in/transfer-out processes to ensure a seamless borrower experience.
• Maintain high data accuracy standards during reconciliations and investor reporting cycles.

Investor Reporting, Compliance & Audit Support

• Prepare, validate, and submit accurate monthly investor remittances and reporting.
• Reconcile custodial accounts, investor buckets, and remittance discrepancies.
• Work with accounting and compliance to resolve variances and ensure investor alignment.
• Support internal, investor, and regulatory audits by maintaining clean, complete, and defensible files.
• Maintain strong working knowledge of RESPA, FDCPA, CFPB, FHA, VA, and investor-specific guidelines.

Qualifications & Skills

Required Experience

• 5–10+ years in mortgage servicing, default servicing, loss mitigation, collections, or related operational roles.
• Experience handling borrower escalations, investor compliance, and audit readiness .
• Demonstrated ability to operate as a team lead, supervisor, or subject-matter expert in a servicing environment.

Technical | Operational

• Proficiency with servicing systems and investor portals (Black Knight MSP, Lakeview, Cenlar, etc., or equivalents).
• Advanced skills in Microsoft Excel and operational reporting tools.
• Strong understanding of regulatory servicing requirements and investor programs (FNMA, FHA, VA, GNMA).

Leadership & Soft Skills

• Strong decision-making ability in high-stakes servicing situations.
• Excellent communication with borrowers, investors, and internal teams.
• Ability to manage multiple priorities with urgency and accuracy.
• Strong coaching mindset; able to mentor junior staff or cross-functional teams.

Why Oaktree Funding?

• Competitive salary + monthly performance bonuses
• Full benefits package: medical, dental, vision, 401(k) match, life insurance
• Stable, respected mortgage lender with 35+ years in business—and zero layoffs
• Collaborative, supportive, growth-oriented environment
• Opportunity to grow into a Senior Specialist, Team Lead, or Servicing Manager as we scale

Apply Today

If you’re a servicing professional with operational mastery—and the leadership capability to elevate a growing team—we’d love to meet you.