Mortgage Escrow Compliance Specialist
ThoughtFocusBengaluru, Republic Of India, IN11 days ago
Job descriptionConduct annual and interim escrow analysis to determine correct escrow payments and adjustments. Review and validate escrow account balances, shortages, and overages to ensure compliance with RESPA (Real Estate Settlement Procedures Act) and investor guidelines. Generate and distribute Escrow Analysis Statements to borrowers, explaining changes in escrow payments. Identify and resolve escrow shortages, surpluses, and miscalculations promptly. Process property tax and homeowners’ insurance payments from escrow accounts in a timely manner. Monitor escrow disbursements to prevent delinquencies and ensure payments are made accurately. Coordinate with tax authorities, insurance providers, and mortgage servicers to resolve discrepancies and ensure compliance. Address borrower inquiries related to escrow payments, analysis, and adjustments. Handle escrow account setups, modifications, and terminations as needed. Ensure all escrow activities comply with federal, state, and investor guidelines (e.G., RESPA, CFPB regulations). Maintain accurate escrow account records and prepare reports for audits and internal reviews. Assist in reconciliation of escrow accounts and identify potential discrepancies. Bachelor’s degree in finance, Accounting, Business, or a related field (or equivalent experience). 1-3 years of experience in mortgage servicing, escrow analysis, or a related financial role. Strong knowledge of escrow regulations, mortgage servicing practices, and RESPA guidelines . Proficiency in mortgage servicing software (e.G., MSP, Black Knight, FICS, or similar systems) . Excellent analytical, problem-solving, and mathematical skills . Strong attention to detail and the ability to handle large data sets. Effective communication skills to interact with borrowers, lenders, and third-party vendors. Ability to work independently and in a team-oriented environment . Experience with property tax and insurance processing within escrow accounts. Knowledge of investor guidelines (FHA, VA, Fannie Mae, Freddie Mac) . Background in loan servicing, default management, or foreclosure is a plus.
Position Title : Loan Servicing / Escrow Specialist
Shift : US Shift (6 : 30 PM – 3 : 30 AM)
Employment Type : Full-time & Work from Office
Office Location : ThoughtFocus Technologies Pvt Ltd
- Bengaluru Office – Par Dhanani Wilshire III Tech Park, 492, RHB Colony, Mahadevapura, Bengaluru, Karnataka 560048 https : / / maps.App.Goo.Gl / BekQCdPJJhgYQ3Mk7
- Mysuru Office – 2940 / D8, Gr Floor, Shwetha Complex, 8, Temple Rd, VV Puram, Vani Vilas Mohalla, Mysuru, Karnataka 570002 https : / / maps.App.Goo.Gl / KKRnL5t4cDnJHAyXA
Overview
The Escrow Analysis & Servicing Specialist is responsible for managing and analysing escrow accounts related to property taxes, homeowners’ insurance, and other related payments in compliance with regulatory requirements. This role ensures accurate calculations, timely disbursements, and effective communication with borrowers, lenders, and internal teams.
Key Responsibilities :
Escrow Analysis :
Escrow Servicing & Account Management :
Regulatory Compliance & Reporting :
Required Skills & Qualifications :
Preferred Qualifications :
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Compliance Specialist • Bengaluru, Republic Of India, IN
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