Homeowners Insurance Specialist; Mortgage Loan Servicing

Job Title: Homeowners Insurance Specialist (Mortgage Servicing)

Location: 2460 Paseo Verde Pkwy, Suite 110, Henderson, NV 89074

Job Type: Full time

Company: Village Capital & Investment LLC

Village Capital is a well-established mortgage company committed to delivering a quick, efficient, and quality mortgage loan process to our customers and business partners. We are a nationwide mortgage lender specializing in FHA, VA, USDA Loans. Our Headquarters are located in Henderson NV. We are a lender/servicer, who works with loan originators, brokers, and correspondents to offer our customers great rates and good terms.

• Review insurance documentation and closing packages to determine whether payment is required, based on vendor-generated tasks and loan file requirements.
• Analyze and validate insurance policies, including binders, declarations pages, quotes, renewals, endorsements, and force-placed insurance documents.
• Verify flood certifications and ensure compliance with regulatory and investor guidelines.
• Identify and resolve discrepancies related to borrower names, property addresses, coverage amounts, and policy terms.
• Communicate professionally and effectively with borrowers and third-party insurance vendors to request documentation, clarify coverage details, and resolve outstanding issues.
• Draft clear, articulate, and compliant email correspondence tailored to borrowers and external partners.
• Manage a high-volume pipeline while maintaining accuracy, timeliness, and strong attention to detail.
• Ensure proper documentation of all actions taken within internal systems to maintain audit readiness and compliance standards.
• Collaborate cross-functionally with closing, escrow, and servicing teams to support seamless loan processing and funding.
• Proactively identify process inefficiencies and recommend improvements to enhance workflow accuracy and turnaround times.
• De-escalate sensitive situations by actively listening, demonstrating empathy, and providing clear, solution-focused communication.

• Experience reviewing and analyzing insurance documentation for accuracy, compliance, and coverage sufficiency.
• Working knowledge of property insurance policies, including binders, declarations pages, renewals, endorsements, and force-placed insurance.
• Ability to identify coverage gaps, discrepancies in borrower/property information, and policy deficiencies.
• Strong understanding of escrow, hazard insurance, and flood insurance verification processes.
• Proficiency navigating loan servicing systems (Encompass and ICE preferred) and Windows based environments.
• Ability to manage high-volume insurance review pipelines while maintaining accuracy and turnaround standards.
• Strong written and verbal communication skills with the ability to draft clear, professional correspondence to borrowers, insurance agents, and third-party vendors.
• Ability to work independently while collaborating effectively with servicing, escrow, and closing teams.
• Demonstrated ability to de-escalate emotionally charged conversations with patience, professionalism, and confidence.

• Demonstrated ability to interpret insurance policy language and apply internal guidelines to determine payment eligibility.
• Experience verifying flood certifications and ensuring compliance with investor and regulatory requirements.
• Strong analytical skills with the ability to research and resolve policy discrepancies related to coverage limits, property type, named insureds, and property addresses.
• Experience communicating professionally with mortgage servicers, insurance carriers, agents, title companies, and customers to resolve insurance-related matters.
• Detail-oriented with a high level of accuracy when reviewing financial transactions related to insurance premiums and escrow disbursements.
• Ability to prioritize tasks effectively in a deadline-driven, compliance-focused environment.
• Background in mortgage servicing, insurance operations, escrow, or financial services strongly preferred.
• Experience responding to formal complaints, regulatory inquiries, or executive escalations.
• Ability to balance empathy for the borrower…