Cash Lockbox ACH Analyst at UWM

The Lockbox Analyst is responsible for the accurate and timely processing reconciliation and reporting of mortgage payments received through lockbox services. This role ensures all payments are correctly posted to customer accounts in accordance with company policies and regulatory requirements working closely with treasury servicing and bank partners to resolve discrepancies and maintain high standards of data integrity.This position is 100% on-site in Pontiac Michigan.WHAT YOU WILL BE DOING Monitor daily lockbox files and validate that mortgage payments have been received and properly processed. Review and post payments to customer accounts in the servicing system ensuring accuracy in application (e.g. principal interest escrow). Investigate and resolve payment exceptions returned items and misapplied funds. Reconcile lockbox activity against bank reports and internal accounting records. Collaborate with IT treasury and bank partners to troubleshoot file transmission errors or payment discrepancies. Research and respond to internal and external inquiries related to payment posting and lockbox exceptions. Prepare daily weekly and monthly reports on lockbox activity exceptions and trends. Ensure compliance with regulatory requirements (e.g. CFPB RESPA) and internal servicing guidelines. Recommend process improvements to enhance lockbox efficiency and reduce errors. Support audits and examinations by providing documentation and explanations of lockbox processes and transactions.WHAT WE NEED FROM YOUMust-Have Qualifications: Associates or Bachelors degree in Finance Accounting Business or related field preferred. 2 years of experience in mortgage servicing treasury operations or lockbox processing. Experience working with mortgage servicing systems (e.g. MSP LoanServ Black Knight) is a plus. Strong attention to detail and analytical skills. Excellent organizational and time management abilities. Proficiency in Microsoft Excel and other MS Office applications. Working knowledge of lockbox operations and banking systems. Strong problem-solving skills with a customer service mindset. Ability to work independently and collaboratively in a fast-paced environment.THE PLACE & THE PERKSReady to join thousands of talented team members who are making the dream of home ownership possible for more Americans Its all happening on UWMs campus where our award-winning workplace packs plenty of perks and amenities that keep the atmosphere buzzing with energy and excitement.Its no wonder that out of our six pillars People Are Our Greatest Asset is number one. Its at the very heart of how we treat each other our clients and our community. Whether its 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 youll feel the encouragement and support on day one. No matter your race creed gender age sexual orientation and ethnicity youll be welcomed here. Accepted here. And empowered to Be You Here.More reasons youll 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 physicians 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 DunkinIndoor/outdoor café with Wi-FiDISCLAIMERAll 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.Required Experience:IC Key Skills ArcGIS,Intelligence Community Experience,GIS,Python,Computer Networking,Data Collection,Intelligence Experience,R,Relational Databases,Analysis Skills,Data Management,Application Development Employment Type : Full-Time Experience: years Vacancy: 1