Securitization Accounting Manager

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Unlock Technologies

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Finance • Real Estate • Fintech

Unlock Technologies is a company that specializes in helping homeowners access their home equity through home equity agreements (HEAs) rather than traditional loans or mortgages. Unlike traditional home equity loans, Unlock's solution does not involve monthly payments or interest charges. With funding between $30,000 and $500,000, homeowners can use these funds for various purposes such as debt reduction, home remodeling, or small business funding. Unlock Technologies aims to offer financial solutions that help families solve financial challenges and improve their financial well-being. They are licensed as a Real Estate Broker in various states and emphasize offering a unique approach to tapping into home equity without traditional financial pitfalls.

51 - 200 employees

💸 Finance

🏠 Real Estate

💳 Fintech

📋 Description

• Manage daily and monthly asset-level reconciliations between servicer reports, custodial bank accounts, and the general ledger. • Record servicing-related journal entries, including cash receipts, remittances, servicing fees, advances, and investor payments. • Partner with Servicing and Treasury to investigate and resolve reconciling items or cash discrepancies. • Prepare and review monthly account reconciliations for custodial, P&I, T&I, and corporate accounts. • Assist with month-end close and financial statement preparation for servicing-related accounts, ensuring compliance with GAAP. • Maintain servicing-related schedules, including servicing fee income, and retained MSRs (if applicable). • Support internal and external audit requests and assist in implementing SOX and internal control processes. • Collaborate with the Servicing and Capital Markets teams to support securitization or asset sale settlements. • Develop and enhance reporting tools and process automation for improved efficiency and accuracy. • Prepare and deliver monthly reports on collections, remittances, and master servicing rights, ensuring accuracy and timeliness to support strategic decisions by internal teams and external stakeholders, including potential investors and market participants. • Assist with special projects, system implementations, and ad-hoc financial analyses.

🎯 Requirements

• Bachelor’s degree in Accounting, Finance, or a related field required; CPA or CPA-track preferred. • 3–7 years of accounting experience, ideally within mortgage servicing, loan operations, or financial services. • Strong understanding of U.S. GAAP and servicing-related accounting concepts (advances, custodial cash, investor remittance). • Experience with loan subservicing platforms (e.g., MSP, LoanServ, or equivalent) and ERP/general ledger systems (e.g., NetSuite, Workday, Oracle). • Strong analytical and reconciliation skills with high attention to detail. • Proficient in Excel; experience with SQL or data-visualization tools a plus. • Proven ability to collaborate cross-functionally and manage competing priorities in a fast-paced environment.

🏖️ Benefits

• Dynamic and inclusive work environment that fosters innovation and growth • Competitive compensation package • Ongoing professional development and career advancement opportunities • Flexible work arrangements and a strong emphasis on work-life balance