Investor Claims Processing Specialist

Description:

We are looking for an experienced Investor Claims Processing Specialist to manage end-to-end mortgage investor claim activities, including FHA/CWCOT, VA, GSE, LMPC/Modification, and Supplemental Claims. The role involves reviewing loan and foreclosure documentation, preparing and submitting accurate claims, validating claim calculations, responding to investor requests, resolving discrepancies, and supporting appeals/reconsiderations.

The ideal candidate should have strong knowledge of mortgage servicing, investor guidelines, foreclosure processes, claim calculations, and post-foreclosure requirements, with excellent attention to detail and the ability to meet stringent quality and productivity targets.

Responsibilities:

• Process and review investor claims in accordance with applicable FHA, VA, Fannie Mae, Freddie Mac, and other investor guidelines.
• Perform end-to-end processing of FHA / CWCOT Claims, VA Claims and Appeals, GSE Claims Processing, LMPC / Modification Claims, and Supplemental Claims.
• Review loan-level documentation, servicing history, foreclosure records, property information, expenses, and payment history to determine claim eligibility.
• Calculate claim amounts, allowable expenses, debits/credits, interest, advances, and other applicable components.
• Validate claim data against servicing systems and supporting documentation before submission.
• Prepare and submit claims within prescribed investor and regulatory timelines.
• Research and resolve claim denials, adjustments, exceptions, and discrepancies.
• Handle claim appeals, reconsiderations, and supplemental submissions, including preparation of supporting documentation.
• Review investor feedback and ensure required corrections are completed accurately and within SLA.
• Identify unsupported, duplicate, or potentially non-recoverable expenses and take appropriate corrective action.
• Coordinate with internal teams such as Foreclosure, Bankruptcy, Property Preservation, Loss Mitigation, Accounting, and Servicing Operations to obtain missing information and resolve claim issues.
• Maintain accurate claim records, supporting documentation, and audit trails.
• Monitor claim aging, pending items, denials, recoveries, and outstanding investor requirements.
• Ensure compliance with investor guidelines, internal policies, quality standards, and applicable regulatory requirements.
• Participate in quality-control reviews and assist with root-cause analysis for claim defects.
• Support process improvement initiatives to improve claim accuracy, recovery, turnaround time, and overall operational efficiency.

Qualifications:

Required Education and Experience:

• 2-5+ years of experience in mortgage servicing, investor claims, foreclosure, loss mitigation, or related mortgage operations.
• Hands-on experience with one or more of the following: FHA / HUD Claims, CWCOT, VA Claims, Fannie Mae / Freddie Mac Claims, Modification / LMPC Claims, Supplemental Claims, Claim Appeals / Reconsiderations.
• Strong understanding of the US mortgage servicing lifecycle and foreclosure process.
• Knowledge of investor claim requirements, allowable/non-allowable expenses, documentation requirements, and claim timelines.
• Strong analytical and numerical skills with the ability to validate claim calculations.
• Excellent attention to detail and documentation skills.
• Ability to research investor guidelines and interpret requirements accurately.
• Good written and verbal communication skills.
• Ability to work independently while meeting productivity, quality, and turnaround-time targets.
• Proficiency in MS Excel and other standard office applications.

Other Duties:

Please note, this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities and activities may change at any time with or without notice.