Hosting Manager, Cloud
•Veeamsoftware· 7h
🏷️ Data Science⏰ Full-time🎯 Lead / Principal🇳🇱 Netherlands
7h ago
Valonvm·8 days ago
Valon is transforming both mortgage servicing and consumer direct lending with a technology-first approach. Backed by Andreessen Horowitz (a16z) and managing over $130 billion in loans, we’ve built our platforms from the ground up—not on outdated legacy systems—so homeowners, lenders, and investors experience greater transparency, efficiency, and care. By unifying processes into a modern, AI-native operating system, we’re leading the way in automation, compliance, and continuous improvement across our servicing and lending businesses.
Our mission is to empower every homeowner by making the mortgage experience simple, secure, and financially empowering. To achieve this, we bring together world-class engineers, servicing experts, lending professionals, and operations leaders who share a passion for improving the homeowner journey. We’re not only reshaping what servicing and lending look like today—we’re creating opportunities for talented people to help drive the future of the industry.
As we continue to grow, Valon is expanding its footprint across multiple states, opening the door to exciting new roles and career paths. Joining Valon means becoming part of a fast-scaling company where innovation, collaboration, and customer impact go hand in hand. Mortgage is just the beginning—we’re building the future of regulated finance, and we want you to be part of it.
The Mortgage Assistance team is a group of organized and altruistic individuals who provide exceptional customer service to our homeowners who are currently facing financial hardship that directly impacts their ability to make monthly mortgage payments. This team will take ownership and provide support to homeowners by educating them on various Mortgage Assistance programs that are available and will guide them through the entire process in an attempt to prevent foreclosure. Equipped with extensive knowledge of the mortgage industry, each member prides themself on driving Valon's mission of championing homeownership.
About the Role
We are seeking a highly skilled Mortgage Assistance Underwriter to manage a complex portfolio of Fannie Mae, Freddie Mac, and Ginnie Mae loans. This role focuses on high-level risk assessment and default management, utilizing FNMA SMDU and FHLMC Resolve to execute rapid workout decisions. The Mortgage Assistance Underwriter will work to provide solutions for existing homeowners of Valon Mortgage that are experiencing hardships. This individual will report to the Underwriting Supervisor/Manager and be responsible for providing best-in-class customer service to both homeowners and internal customers. The primary objective of this role is to determine the best workout option for homeowners within Valon’s servicing portfolio, strengthening both homeowner and investor relationships.
End-to-End Case Management: Manage a full caseload of mortgage assistance applications, overseeing every stage from initial submission to final loan modification.
Regulatory Compliance: Review homeowner documentation within the 30-day Regulation X window to determine eligibility for loss mitigation and report findings to investors and insurers.
Financial & Risk Analysis: Perform complex calculations for income, expenses, and escrow advances while reviewing BPOs, appraisals, and title searches to assess portfolio risk.
Workout Execution: Evaluate and implement various loss mitigation strategies, including loan modifications, forbearances, repayment plans, short sales, and deeds in lieu, ensuring alignment with investor and GSE guidelines.
Decisioning & Documentation: Execute approval or denial decisions, handle counter-offers, and manage the generation of all legal documentation, including trial period and closing letters.
Default Management & Workouts: Utilize Fannie Mae’s SMDU (Servicing Management Default Underwriter) to evaluate borrowers for loss mitigation options, including Flex Modifications and payment deferrals.
Automated Decisioning: Execute rules-based workout decisions through Freddie Mac’s Resolve®, transitioning default management from legacy tools to modern, API-integrated workflows.
Ginnie Mae Compliance: Ensure all Ginnie Mae-backed securities remain in compliance with FHA, VA, and USDA guidelines to protect the issuer's standing and minimize claims against the federal guarantee.
Risk Analysis: Review complex financial profiles for government-insured loans (FHA/VA), ensuring they meet the stringent eligibility requirements for pooling into Mortgage-Backed Securities (MBS).
Policy Implementation: Stay current with FHFA stabilization strategies and update internal underwriting workflows to align with the latest Agency Selling and Servicing Guides.
Caseload Management: Review mortgage assistance applications and manage a caseload of files from application to modification, including ordering BPOs/appraisals and title searches.
Communication: Handle all written and verbal correspondence professionally between homeowners, clients, investors, and foreclosure attorneys.
Stakeholder Communication: Act as the primary professional contact for homeowners, real estate agents, foreclosure attorneys, and subordinate lien holders regarding file status.
Quality Assurance: Conduct "2nd Look" QA reviews to ensure all files meet stringent internal and external compliance standards.
Foreclosure Prevention: Coordinate with relevant departments to request and monitor foreclosure holds as necessary to protect the homeowner's status during review.
Additional duties may be assigned.
High School Diploma or equivalent required
Knowledge of Fannie Mae/DU and Freddie Mac / LPA guidelines and automated underwriting systems
Ability to critically examine credit, income, assets, title, and appraisals for adherence to company, investor, and GSE underwriting guidelines.
2 years of Collections, Loss Mitigation, or other mortgage banking, mortgage servicing, or real estate-related experience.
2 years of mortgage loan origination/modification experience
2 years of telephone customer contact experience.
Knowledge of Fair Debt Collection Protection Act.
Ability to work independently in a fast-paced environment as well as part of a team and focus on results.
Ability to learn rules, regulations, and laws in order to meet state, investor, client, and insurer guidelines.
Ability to structure a workout that serves the best interests of the homeowner/investor/insurer/client.
The ability to apply general rules to specific problems to produce answers that make sense. As well as the ability to combine pieces of information to form general rules or conclusions.
Analytical Thinking: Ability to interpret complex legal documents, tax returns, and default management messages to render sound credit decisions.
Regulatory Knowledge: Understanding of mortgage industry federal regulations including RESPA, TILA, ECOA, TRID, and CFPB.
5+ years of mortgage/modification underwriting experience
2+ years of Manual Underwriting experience
3-5 years of processing and/or closing experience
Understanding of mortgage industry federal regulations including RESPA, TILA, ECOA, TRID, CFPB, etc
Strong communicator with excellent writing skills
High integrity with strong ethical values
Team player with the ability to work effectively with a variety of team members
Compensation: Competitive salary and 401k plan.
Health & well-being: We invest in your physical and mental well-being with comprehensive medical, dental, & vision benefits, an EAP for additional support.
Food & meals: In-office snacks and drinks (and Bagel Fridays)!
Grow together: Company-wide orientation for you to successfully onboard, alongside other learning and development opportunities, including regular review cycles that feature 360 degree feedback.
Generous time off: 17 days paid time off, sick days, and 11 company holidays.
Throughout the interview process, please remember that emails will only be from valon.com email addresses. We will never ask for any personally identifiable information during the interview process itself. Please reach out to [email protected] if you have any requests to verify the authenticity of an outreach.
Valon is an equal opportunity employer that is committed to diversity and inclusion in the workplace. We prohibit discrimination and harassment of any kind based on race, color, sex, religion, sexual orientation, national origin, disability, genetic information, pregnancy, or any other protected characteristic as outlined by federal, state, or local laws. Valon makes hiring decisions based solely on qualifications, merit, and business needs at the time.