United Wholesale Mortgage
The Cash Analyst is responsible for ensuring accurate and timely reconciliation of custodial and non-custodial bank accounts related to mortgage servicing. This role plays a critical part in maintaining the integrity of financial records by identifying, investigating, and resolving cash discrepancies related to mortgage payments, investor remittances, escrow transactions, and other servicing activities.
What You Will Be Doing
Perform daily, weekly, and monthly reconciliations of mortgage-related bank accounts (e.g., P&I, T&I, suspense accounts).
Investigate and resolve variances between servicing system records and bank statements.
Collaborate with internal departments such as Accounting, Treasury, Investor Reporting, and Loan Servicing to resolve reconciling items.
Monitor and maintain general ledger entries related to cash activities.
Ensure compliance with investor (Fannie Mae, Freddie Mac, FHA, etc.) and regulatory requirements regarding account reconciliation.
Prepare reconciliation reports and documentation for internal audit and regulatory review.
Escalate unresolved discrepancies promptly and follow through to resolution.
Support month-end and year-end close processes by providing accurate account statuses and required documentation.
Recommend process improvements and assist in automation initiatives to improve efficiency and accuracy.
Must-Have Qualifications
Associate’s or Bachelor’s degree in Accounting, Finance, or related field (or equivalent work experience)
2+ years of experience in mortgage servicing or financial services, with a focus on cash management or reconciliation
Strong knowledge of mortgage servicing systems (e.g., MSP, LoanServ, Black Knight)
Experience with bank reconciliation software and Excel (VLOOKUP, pivot tables, etc.)
Excellent analytical and problem-solving skills
High attention to detail and organizational skills
Strong written and verbal communication skills
Nice To Have Qualifications
Experience with custodial account requirements for FNMA, FHLMC, GNMA, or private investors
Familiarity with regulatory guidelines from CFPB, OCC, or HUD
Experience with reconciliation automation tools or scripting is a plus
THE PLACE & THE PERKS Ready to join thousands of talented team members who are making the dream of home ownership possible for more Americans? It’s all happening on UWM’s campus, where our award-winning workplace packs plenty of perks and amenities that keep the atmosphere buzzing with energy and excitement. It’s no wonder that out of our six pillars, People Are Our Greatest Asset is number one. It’s at the very heart of how we treat each other, our clients and our community. Whether it’s providing elite client service or continuously striving to improve, our pillars provide a pathway to a more successful personal and professional life. From the team member that holds a door open to the one that helps guide your career, you’ll feel the encouragement and support on day one. No matter your race, creed, gender, age, sexual orientation and ethnicity, you’ll be welcomed here. Accepted here. And empowered to Be You Here.
More Reasons You’ll Love Working Here Include
Paid Time Off (PTO) after just 30 days
Additional parental and maternity leave benefits after 12 months
Adoption reimbursement program
Paid volunteer hours
Paid training and career development
Medical, dental, vision and life insurance
401k with employer match
Mortgage discount and area business discounts
Free membership to our large, state-of-the-art fitness center, including exercise classes such as yoga and Zumba, various sports leagues and a full-size basketball court
Wellness area, including an in-house primary‑care physician’s office, full‑time massage therapist and hair salon
Gourmet cafeteria featuring homemade breakfast and lunch
Convenience store featuring healthy grab‑and‑go snacks
In‑house Starbucks and Dunkin
Indoor/outdoor café with Wi‑Fi
DISCLAIMER All the above duties and responsibilities are essential job functions subject to reasonable accommodation and change. All job requirements listed indicate the minimum level of knowledge, skills and/or ability deemed necessary to perform the job proficiently. Team members may be required to perform other or different job‑related duties as requested by their team lead, subject to reasonable accommodation. This document does not create an employment contract, implied or otherwise. Employment with UWM is "at‑will." UWM is an Equal Opportunity Employer. By selecting “Apply for this job online” you provide consent to UWM to record phone call conversations between you and UWM to be used for quality control purposes.
Seniority level
Entry level
Employment type
Full-time
Job function
Customer Service
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What You Will Be Doing
Perform daily, weekly, and monthly reconciliations of mortgage-related bank accounts (e.g., P&I, T&I, suspense accounts).
Investigate and resolve variances between servicing system records and bank statements.
Collaborate with internal departments such as Accounting, Treasury, Investor Reporting, and Loan Servicing to resolve reconciling items.
Monitor and maintain general ledger entries related to cash activities.
Ensure compliance with investor (Fannie Mae, Freddie Mac, FHA, etc.) and regulatory requirements regarding account reconciliation.
Prepare reconciliation reports and documentation for internal audit and regulatory review.
Escalate unresolved discrepancies promptly and follow through to resolution.
Support month-end and year-end close processes by providing accurate account statuses and required documentation.
Recommend process improvements and assist in automation initiatives to improve efficiency and accuracy.
Must-Have Qualifications
Associate’s or Bachelor’s degree in Accounting, Finance, or related field (or equivalent work experience)
2+ years of experience in mortgage servicing or financial services, with a focus on cash management or reconciliation
Strong knowledge of mortgage servicing systems (e.g., MSP, LoanServ, Black Knight)
Experience with bank reconciliation software and Excel (VLOOKUP, pivot tables, etc.)
Excellent analytical and problem-solving skills
High attention to detail and organizational skills
Strong written and verbal communication skills
Nice To Have Qualifications
Experience with custodial account requirements for FNMA, FHLMC, GNMA, or private investors
Familiarity with regulatory guidelines from CFPB, OCC, or HUD
Experience with reconciliation automation tools or scripting is a plus
THE PLACE & THE PERKS Ready to join thousands of talented team members who are making the dream of home ownership possible for more Americans? It’s all happening on UWM’s campus, where our award-winning workplace packs plenty of perks and amenities that keep the atmosphere buzzing with energy and excitement. It’s no wonder that out of our six pillars, People Are Our Greatest Asset is number one. It’s at the very heart of how we treat each other, our clients and our community. Whether it’s providing elite client service or continuously striving to improve, our pillars provide a pathway to a more successful personal and professional life. From the team member that holds a door open to the one that helps guide your career, you’ll feel the encouragement and support on day one. No matter your race, creed, gender, age, sexual orientation and ethnicity, you’ll be welcomed here. Accepted here. And empowered to Be You Here.
More Reasons You’ll Love Working Here Include
Paid Time Off (PTO) after just 30 days
Additional parental and maternity leave benefits after 12 months
Adoption reimbursement program
Paid volunteer hours
Paid training and career development
Medical, dental, vision and life insurance
401k with employer match
Mortgage discount and area business discounts
Free membership to our large, state-of-the-art fitness center, including exercise classes such as yoga and Zumba, various sports leagues and a full-size basketball court
Wellness area, including an in-house primary‑care physician’s office, full‑time massage therapist and hair salon
Gourmet cafeteria featuring homemade breakfast and lunch
Convenience store featuring healthy grab‑and‑go snacks
In‑house Starbucks and Dunkin
Indoor/outdoor café with Wi‑Fi
DISCLAIMER All the above duties and responsibilities are essential job functions subject to reasonable accommodation and change. All job requirements listed indicate the minimum level of knowledge, skills and/or ability deemed necessary to perform the job proficiently. Team members may be required to perform other or different job‑related duties as requested by their team lead, subject to reasonable accommodation. This document does not create an employment contract, implied or otherwise. Employment with UWM is "at‑will." UWM is an Equal Opportunity Employer. By selecting “Apply for this job online” you provide consent to UWM to record phone call conversations between you and UWM to be used for quality control purposes.
Seniority level
Entry level
Employment type
Full-time
Job function
Customer Service
#J-18808-Ljbffr