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.

• 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
  • 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:

o   FHA / HUD Claims

o   CWCOT

o   VA Claims

o   Fannie Mae / Freddie Mac Claims

o   Modification / LMPC Claims

o   Supplemental Claims

o   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.