High Risk Assessment Specialist
•Wise· 1h
⚖️ Legal⏰ Full-time📈 Mid Level🇧🇷 São Paulo, Brazil
1h ago
Valonvm·5 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Andreessen Horowitz (a16z) and managing over $130 billion in loans, we’ve built our platforms from the ground up—not on outdated legacy systems—so homeowners, lenders, and investors experience greater transparency, efficiency, and care.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.
Escrow administration manages all aspects of homeowner escrow obligations, which include Tax, PMI, Property Insurance, and accurate Escrow Analysis. We are passionate and critical thinkers who navigate multiple facets of the escrow sector of a fast-growing, technology and operations-focused business line. In addition to ensuring escrow accounts are accurate, we also monitor the work of our outsourced vendors and remain committed to meeting all GSE requirements.
The Mortgage Hazard Insurance Specialist is responsible for monitoring, verifying, and maintaining accurate property insurance coverage on mortgaged properties. This role ensures all hazard insurance policies meet investor and regulatory requirements, helps manage risk to the servicing portfolio, and provides excellent customer service to borrowers, insurance agents, and internal departments.
Monitor insurance coverage on all properties within the mortgage portfolio to ensure compliance with investor guidelines (e.g., Fannie Mae, Freddie Mac, FHA, VA).
Review and verify hazard insurance documents for completeness, accuracy, and appropriate coverage amounts.
Track and process insurance renewals, cancellations, and reinstatements.
Disburse hazard insurance premiums from escrow accounts in a timely manner.
Coordinate force-placed insurance when borrower-provided coverage lapses, ensuring compliance with applicable laws.
Respond to borrower inquiries regarding insurance coverage, disbursements, and escrow accounts.
Work closely with insurance companies, agents, and vendors to resolve discrepancies and update records.
Maintain accurate records of insurance policies and track status in the servicing system.
Support the escrow analysis process with up-to-date insurance premium data.
Collaborate with Loss Draft and Claims departments on insurance claim-related issues.
Assist in audits and regulatory reporting as required.
Other duties as assigned
Experience working in a mortgage servicing, property insurance, or escrow-related environment
Familiarity with escrow accounts and lender-placed insurance processes
Knowledge of servicing systems like Black Knight (MSP), or similar platforms
Exposure to investor guidelines from Fannie Mae, Freddie Mac, or FHA/VA
Experience communicating with insurance carriers or an understanding of insurance declarations and coverages
Career interest in compliance, operations, or mortgage servicing
High school diploma or equivalent required
At least 1 year of work experience in a professional environment (e.g., customer service, administrative support, insurance, banking, or real estate)
Strong attention to detail and organizational skills
Proficient with Google Suite
Excellent verbal and written communication skills
Ability to prioritize tasks and work in a fast-paced environment
Compensation: competitive salary and 401k plan
Health & well-being: we’ll invest in your physical and mental well-being with comprehensive medical, dental, & vision benefits
Food & meals: in-office snacks and drinks, and Bagel Fridays
Commuter benefits: We offer pre-tax deductions for public transportation, rideshare services, and parking expenses to make your commute more affordable and convenient.
Grow together: Company-wide orientation for you to successfully onboard, and other learning & 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
Baby bonding time!: 12 weeks off for both birthing and non-birthing parents - fully paid so you can focus your energy on your newest addition
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.