About the Company

Valon is transforming both mortgage servicing and consumer direct lending with a technology-first approach. Backed by Andreessen Horowitz (a16z) and managing over $130 billion in loans, we’ve built our platforms from the ground up—not on outdated legacy systems—so homeowners, lenders, and investors experience greater transparency, efficiency, and care. By unifying processes into a modern, AI-native operating system, we’re leading the way in automation, compliance, and continuous improvement across our servicing and lending businesses.

Our mission is to empower every homeowner by making the mortgage experience simple, secure, and financially empowering. To achieve this, we bring together world-class engineers, servicing experts, lending professionals, and operations leaders who share a passion for improving the homeowner journey. We’re not only reshaping what servicing and lending look like today—we’re creating opportunities for talented people to help drive the future of the industry.

As we continue to grow, Valon is expanding its footprint across multiple states, opening the door to exciting new roles and career paths. Joining Valon means becoming part of a fast-scaling company where innovation, collaboration, and customer impact go hand in hand. Mortgage is just the beginning—we’re building the future of regulated finance, and we want you to be part of it.

Default Servicing at Valon

The Default Servicing team resolves mortgages in default and manages all default-related processes at Valon. This team is also central to the broader mortgage ecosystem, preventing foreclosures and minimizing losses for investors. Transparency and financial literacy are crucial to our people, processes, and products. We strive to help homeowners who need additional support to keep their dreams of homeownership alive.

About the Role

The Default Analyst- Foreclosure role will be responsible for monitoring foreclosure cases relative to the accuracy and timeliness of residential mortgage loans within foreclosure, in accordance with applicable federal, state, and/or investor requirements. They will effectively collaborate and communicate with support groups within the default group to ensure optimal outcomes. Finally, this Senior Specialist should feel comfortable performing all duties in accordance with the company’s policies and procedures, investor requirements, and US state and federal laws and regulations.

Responsibilities

• Maintain, review, follow up, and ensure timely and accurate completion of all regularly scheduled steps, including outstanding/late steps, within the foreclosure tracking template on a daily basis.

• Obtain approval for and properly manage any outstanding or upcoming events/tasks, including, but not limited to, completing steps within deadlines and ensuring the accuracy of dates entered.

• Communicate with assigned attorneys/trustees via vendor tracking software regarding delays and/or pending inquiries.

• Utilize all applicable tools available to effectively manage the pipeline, system of record, and vendor tracking software.

• Ensures all attorney fees/costs and foreclosure costs are within Investor, Fannie Mae, Freddie Mac, FHA, VA, or USDA allowable fee schedules.

• Properly maintain the system of record and/or vendor tracking software to ensure proper notification/reporting to investors, clients, borrowers, state, and/or federal/government agencies during foreclosure.

• Review future and upcoming sales, no less than five days prior to the scheduling of the sale, to ensure all requirements are met.

• Dispose of and complete foreclosure sales and follow up on sale proceeds within respective judicial or non-judicial proceedings.

• Process all instructions for posting of funds within SLAs, ensuring timely and accurate instructions if/when funds or proceeds are received.

• Other duties as assigned

Minimum Qualifications

• 5+ years of end-to-end foreclosure experience in the mortgage/banking space

• Keen understanding of the foreclosure process and the differences between judicial and non-judicial proceedings

• Full understanding of GSE (FNMA/FHLMC) and Government (GNMA) FHA/VA regulations/guidelines

• Strong communication skills, proficiency in the use of computers and software, attention to detail, persistence, and prioritizing

• The ability to multitask and follow mortgage-servicing guidelines accurately is imperative.

• Assist with special projects and other duties as assigned.

• Minimum education requirement: High school diploma or GED equivalent required

Benefits

• Compensation: competitive salary and 401 (k) plan

• Health & well-being: we’ll invest in your physical and mental well-being with comprehensive medical, dental, & vision benefits

• Commuter benefits: We offer pre-tax deductions for public transportation, rideshare services, and parking expenses to make your commute more affordable and convenient.

• Grow together: Company-wide orientation for you to successfully onboard and other learning & development opportunities, including regular review cycles that feature 360-degree feedback

• Generous time off: 17 days paid time off, sick days, and 11 company holidays

• Baby bonding time!: 12 weeks off for both birthing and non-birthing parents - fully paid, so you can focus your energy on your newest addition

Throughout the interview process, please remember that emails will only be from valon.com email addresses. We will never ask for any personally identifiable information during the interview process itself. Please reach out to talent@valon.com if you have any requests to verify the authenticity of an outreach.

Valon is an equal opportunity employer that is committed to diversity and inclusion in the workplace. We prohibit discrimination and harassment of any kind based on race, color, sex, religion, sexual orientation, national origin, disability, genetic information, pregnancy, or any other protected characteristic as outlined by federal, state, or local laws. Valon makes hiring decisions based solely on qualifications, merit, and business needs at the time.