Sr. Cash Management Specialist

About the Company

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by Andreessen Horowitz (a16z) and managing over $130 billion in loans weve built our platforms from the ground upnot on outdated legacy systemsso homeowners lenders and investors experience greater transparency efficiency and care. By unifying processes into a modern AI-native operating system were 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. Were not only reshaping what servicing and lending look like todaywere 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 beginningwere building the future of regulated finance and we want you to be part of it.

Loan Administration at Valon

The Loan Administration team powers all of the operations required to keep Valon running smoothly. From onboarding loans to handling insurance and processing payments the Loan Administration team ensures that homeowners are continuing to get a first-class experience with Valon all from behind the scenes.

About the Role

As a Sr. Cash Management Specialist you will play a pivotal role in ensuring the accurate and efficient management of cash-related activities within Valons mortgage servicing operations. This role is critical to maintaining compliance optimizing cash flows and driving process improvements across the team. Youll lead complex cash allocation and reconciliation efforts mentor junior specialists and partner with cross-functional teams to enhance operational workflows. Your expertise will be instrumental in identifying and implementing best practices to support Valons growth and scalability.

Responsibilities

• Oversee the end-to-end cash management processes including cash posting reconciling accounts and handling exceptions.

• Perform Bank Account Reconciliation

• Lead the resolution of escalated issues including discrepancies customer disputes and complex transaction errors.

• Develop and refine workflows ensuring adherence to internal controls and compliance with investor and regulatory requirements.

• Collaborate with internal teams such as Investor Reporting Payment Processing and Accounting to ensure timely and accurate financial operations.

• Serve as a subject matter expert (SME) on cash management policies and procedures providing guidance and training to junior team members.

• Proactively identify areas for process improvement and efficiency and lead the implementation of new tools or methodologies.

• Maintain expertise in investor guidelines including Fannie Mae Freddie Mac and Ginnie Mae requirements.

• Assist in audits and regulatory reporting by providing thorough documentation and expert insights.

• Conduct in-depth research on missing payments and ensure accurate resolution through internal systems and communication with stakeholders.

• Complete a variety of banking tasks such as initiating stop payments managing whitelisting procedures and administering positive pay controls.

• Manage remote deposit processes for physical checks received in the office ensuring accurate entry and audit compliance.

• Complete homeowner-requested payment recast processes including recalculating loan terms and updating documentation in alignment with investor and servicing guidelines.

• Lead the resolution of escalated issues including complex transaction errors payment discrepancies and customer disputes.

• Other duties as assigned.
  
  

Ideal Background

• Extensive experience in cash management mortgage servicing or financial operations with a proven track record of managing complex processes.

• Exceptional analytical and problem-solving skills with the ability to manage escalated issues and deliver resolutions promptly.

• Strong leadership and mentorship capabilities with experience in training and supporting team members.

• Expertise in regulatory and investor compliance including familiarity with agency guidelines and industry best practices.

• Proficient in leveraging financial and operational systems (e.g. Black Knight MSP) to streamline processes.

• Excellent communication skills both written and verbal with the ability to collaborate effectively across departments.
  
  

Minimum Qualifications

• Minimum education requirement: High school diploma or GED equivalent required

• 2-3 years of experience in cash management or financial operations within the mortgage servicing industry.

• Advanced proficiency with Microsoft Excel including pivot tables VLOOKUPs and data analysis tools.

• In-depth knowledge of agency investor guidelines (Fannie Mae Freddie Mac Ginnie Mae) and applicable regulations.

• Demonstrated ability to lead projects and improve operational workflows in a fast-paced environment.
  
  

Benefits

• Compensation: Competitive salary and 401k plan

• Health & well-being: Well 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 email addresses. We will never ask for any personally identifiable information during the interview process itself. Please reach out to 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.

Required Experience:

Senior IC