Mortgage Servicing Specialist II

Join to apply for the Mortgage Servicing Specialist II role at Lima One Capital

Lima One Capital is offering an opportunity to join the nation’s premier lender for real estate investors. We are searching for a Mortgage Servicing Specialist II who possesses strong values, a great work ethic, attention to detail, assertiveness, and confidence. The new hire will work within the servicing department of the company.

Full-time

• Communicate with customers and internal partners regarding general mortgage servicing questions to include, but are not limited to: monthly billing, escrow (tax/insurance), customer portal, payoff, etc. to deliver the highest level of customer service.
• Team leader in customer service initiatives to navigate complex borrower situations, using good judgement to professionally defuse complaints, evaluate and deliver lasting solutions.
• Proactively reach out to new and existing clients to establish rapport and discuss loan terms and characteristics.
• Analyze and qualitatively review loan documents, account histories, balances/ledgers, that include, but are not limited to: escrow analyses, financial statements, tax forms, credit reports, and appraisals, to advise the most appropriate solution for the customer.
• Monitor payment delinquency and engage in challenging consultations, asking direct and targeted questions to prevent possible foreclosure by negotiating options such as repayment plans, short sales, or Deed in Lieu.
• Monitor maturing loans and proactively engage borrowers to ensure timely exit resolution through payoff, extension, or refinance opportunities.
• Proficiency in loan servicing, communication, and payment processing software.
• Maintain detailed records within the loan servicing system to include, but are not limited to:
  Contact attempts/correspondence, escrow updates, extension documentation, etc.
• Analyze and report to management on overall portfolio performance, KPI’s, and risk metrics.
• Other projects as assigned.

• Bachelor’s Degree is preferred
• Financial Services, loan servicing industry experience is preferred
• Proficient in Microsoft Excel

• Excellent communication and customer service skills
• Expertise in using Excel
• Ability to work under minimum supervision and manage tight deadlines
• Prioritization & multitasking / Time management
• Problem solving & critical thinking
• Skip tracing experience is a plus
• Spanish fluency is a plus

• Medical, Dental and Vision Insurance
• Life Insurance, Short-Term Disability, and Long-Term Disability
• Hospitalization and Accidental Insurance
• Flexible Spending Accounts – Health and Dependent Care
• Health Savings Account
• Safe Harbor 401K with company match
• Growing Families Support (including paid parental leave, infertility support and assistance, childcare reimbursement, and elder care)
• Pet Insurance

12 paid time off days and 5 sick days, in addition to 12 paid holidays – that’s about a month of time to rest, relax, and recharge every year.

We prioritize the growth and success of our team members. You'll benefit from continuous learning opportunities, dedicated mentorship, and the chance to refine your skills and advance your career.

Join us in our brand new, thoughtfully designed office in the heart of Downtown Greenville (parking is paid for!).

At Lima One Capital we’re relentlessly focused on a simple but powerful goal: to be the nation’s premier lender for real estate investors. Inspired by that vision, every member of our team is driven by our mission to create opportunities for our customers and employees by educating, empowering, and financing real estate investors who are building, improving, and stabilizing their neighborhoods and communities nationwide.

• Loans Funded: $10+ billion in loans funded, 30k loans closed since 2010
• Geography: 46 states + D.C. where we revitalize neighborhoods
• Employees: ~300 employees with competitive benefits and perks
• Stability:
  Backed by the immense resources of MFA Financial, a publicly traded mortgage REIT with 25 years of proven success
• Veteran Founded:
  Founded by 2 US Marine Corps…