Key Responsibilities1. Payment Review & Processing

- Review and validate monthly mortgage payments and payment histories.
- Review payoff quotes, early payoffs, payment reversals, adjustments, and related transactions.
- Monitor and investigate delinquencies, Early Payment Defaults (EPD), and early payoffs.
- Identify payment discrepancies and coordinate with relevant parties for resolution.
- Ensure accurate and timely processing of mortgage-related transactions.

1. Loan-Level Review & Servicer Coordination

• Perform detailed loan-level reviews covering balances, payment history, account status, delinquency status, and transaction activity.
- Provide loan-related information to counterparties, investors, sellers, and servicers.
- Communicate with sellers and servicers to resolve loan-level issues and discrepancies.
- Maintain accurate loan records and ensure timely follow-up on outstanding items.

1. Escrow Management

• Review property tax and homeowners insurance disbursements.
- Analyze escrow accounts, shortages, surpluses, and payment requirements.
- Perform escrow analysis and identify discrepancies or incorrect disbursements.
- Coordinate with servicers and other stakeholders to resolve escrow-related issues.

1. Default & Loss Mitigation





• Review delinquent borrower accounts for loss mitigation and default proceedings.
- Analyze requests related to mortgage assistance programs, loan modifications, forbearance,

recast, foreclosure, and REO.
- Review borrower eligibility and supporting documentation for applicable loss mitigation programs.
- Track delinquency status and ensure appropriate action is initiated within defined timelines.
- Identify potential risks and escalate exceptions appropriately.

1. Loan Boarding & Maintenance

• Support post-purchase loan boarding activities and coordinate with sellers and servicers.
- Track loans from acquisition through successful boarding with the applicable servicer.
- Validate that loans are boarded under the correct Investor ID, MSP, and servicing platform/account.
- Maintain accurate loan-level data and investigate boarding exceptions.
- Coordinate with sellers/servicers to resolve missing or inaccurate loan information.

1. Interim Funds Review

• Perform loan-level review and tracking of payments received by previous servicers or sellers.
- Validate payments made prior to loan boarding or servicing transfer.
- Track interim funds and ensure applicable payments are remitted to the organization.

📌 Loan Servicing Specialist (Mysuru)
🏢 ThoughtFocus
📍 Mysuru