Senior Analyst, Second Lien

🔥 7 minutes ago

🇺🇸 United States – Remote

💵 $25 - $29 / hour

⏰ Full Time

🟠 Senior

🧐 Analyst

👻 Ghost score 0%

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Carrington Holding Company, LLC

WebsiteLinkedInAll Job Openings

1001 - 5000 employees

Founded 2003

🏠 Real Estate

💸 Finance

🤝 B2B

Real Estate • Finance • B2B

Carrington Holding Company, LLC is a diversified residential real estate and mortgage services platform that provides end-to-end homeownership solutions. It operates retail, wholesale and correspondent mortgage lending channels (including products for borrowers with lower credit or down payments), mortgage loan servicing (including large Ginnie Mae servicing balances), real estate brokerage (Vylla Home), title and escrow services, foreclosure trustee services, property/asset management, and alternative asset management through Carrington Capital Management. The firm also pursues acquisitions and partnerships to expand its servicing and retail capabilities and offers technology-driven tools to support borrower communications and servicing operations.

📋 Description

• Research and analyze second lien loan files to validate lien status and enforceability, quantify loss exposure and recovery potential, and recommend resolution strategies • Generate and review monthly Second Liens Reports • Conduct property, title, and senior lien research • Create equity analyses and support recommended exit strategies • Prepare foreclosure bid recommendations for investor approval • Own investor approval processes, resolve questions, and escalate exceptions • Lead senior lien foreclosure bidding activity and complete post-sale actions • Prepare and submit charge-off requests and coordinate approved charge-offs • Follow up on surplus funds for recovery, reconciliation, and documentation • Process notice requests on stand-alone second liens • Prepare and execute California AB 130 certifications and supporting notices • Maintain accurate servicing-system and shared-directory records suitable for management and audit review • Measure and report recoveries, avoided losses, cycle times, aging, bidding activity, surplus funds, and exceptions • Respond to clients, investors, vendors, and internal teams regarding second lien accounts and recovery activity • Support development of second lien servicing policies and procedures • Provide technical guidance and peer mentoring, assist with escalated issues, participate in audits, and support corrective actions

🎯 Requirements

• High school diploma required; Bachelor’s degree preferred • 4+ years of progressively responsible experience in mortgage default servicing • Direct experience with second lien research, title and lien analysis, foreclosure or recovery strategy, investor approvals, and charge-off or loss review • Experience with subordinate-lien servicing, senior-lien foreclosure monitoring and bidding, investor or client requirements, recovery analysis, and applicable state-specific compliance requirements preferred • Advanced knowledge of second lien default servicing, lien priority and enforceability, title research, senior lien monitoring, foreclosure bidding, charge-offs, surplus funds, and recovery strategies • Strong working knowledge of investor requirements and applicable federal and state servicing, debt collection, foreclosure, notice, and record-retention requirements • Ability to interpret title, valuation, payoff, foreclosure, payment, and servicing-history data • Ability to exercise independent judgment within delegated authority and escalate exceptions • Advanced proficiency with mortgage servicing platforms and Microsoft Excel • Ability to maintain accurate, audit-ready records and communicate complex loan-level conclusions clearly • Strong organization, prioritization, and follow-through across time-sensitive portfolios and deadlines • Ability to mentor junior analysts and provide technical guidance without direct supervisory authority

🏖️ Benefits

• Comprehensive healthcare plans for you and your family • Discretionary 401(k) match of 50% of the first 4% of pay contributed • Fitness, restaurant, retail, and other employee discounts • Customized training programs • Employee referral bonuses • Educational reimbursement • Carrington Charitable Foundation community contributions