• Job Description

  Req#: DEFAU002990

  We're searching for some really great people who enjoy customers as much as we do.

  Named as one of Puget Sound Business Journal’s Best Places to Work three years running, 2021, 2022 and 2023. We are a certified Great Place to Work™ and were named a Best Workplace eight times, most recently in 2024 in the Financial Services and Insurance category.

  Check out our rating at: Working at Evergreen Home Loans | Great Place To Work®

  Wow happens every day at Evergreen. Our vision is centered on changing the world one relationship at a time.

  Learn more about us on our website here.

  Discover what’s possible with Evergreen.

  We're looking to add people who feel the same way we do about our customers, our associates, and the work we do. In return, you'll be part of a growing, contemporary company that rewards creative thinking and believes in helping you get to where you want to be. You'll also enjoy a comprehensive benefits package and an attractive 401K plan to help you grow along with us!

  This position is responsible for managing and executing accurate and timely reporting of mortgage loan default activity to investors and insurers, including FHA, VA, USDA, Fannie Mae, Freddie Mac, and private mortgage insurance (PMI) companies. This role involves ensuring compliance with investor/insurer guidelines, analyzing data for process improvements, collaborating across functional teams, and developing actionable reports and dashboards that drive performance visibility and operational efficiency. Monitor regulatory and investor guideline changes and implement operational updates as required. Act as subject matter expert for audits, investor reviews, and insurer inquiries related to default and post-foreclosure activities.

  Essential Duties and Responsibilities:

  Default Reporting

  • Perform daily, weekly, and monthly default reporting to assigned investors and insurers using various communication methods.
  • Monitor reporting exceptions and coordinate with default business units (Loss Mitigation, Bankruptcy, Foreclosure, Collections, REO, Claims) to ensure data accuracy and timely resolution.
  • Serve as the primary analyst for preparing, retrieving, converting, and storing daily reports for the team.
  • Develop ad-hoc or operational reports to meet ongoing business requirements.
  • Interpret and stay current on changing investor/insurer guidelines to ensure ongoing compliance.
  • Conduct loan-level review and research to clear exceptions and validate reporting accuracy.
  • Manage and maintain monthly and quarterly loan level default servicing reporting for FHA Single Family Default Monitoring System (SFDMS), VA Loan Electronic Reporting Interface (VALERI), USDA Electronic Data Interchange (EDI), DAR, and GSE Electronic Data Reporting (EDR).
  • Review system reporting and manage the edits from Fannie Mae and Freddie Mac EDR reporting cycles.
  • Utilize tools such as Excel, Passport and Black Knight's MSP Servicing System.
  • Identify trends, gaps, and opportunities for improvement through report analysis.
  • Collaborate with management to develop and implement process improvements and automation initiatives to reduce manual effort and enhance reporting accuracy.
  • Design, develop, and maintain performance dashboards and business intelligence (BI) tools to support strategic decision-making.
  • Create and maintain KPIs for various reporting departments and provide actionable insights through data visualization and storytelling.

  Post-Foreclosure Sale Operations

  • Manage post-foreclosure sale support processes including:

  • Post-sale reconveyance and title resolution
  • Claim preparation and recovery
  • Exception handling and curative actions
  • CWCOT (Claims Without Conveyance of Title)

  • Ensure timelines, documentation, and proceeds reconciliation meet investor and insurer requirements.
  • Direct property preservation activities to ensure vacant and foreclosed properties are secured, maintained, and compliant with local and investor standards.
  • Oversee REO listing, marketing, sale, and liquidation strategies to maximize net recovery and minimize holding costs.
  • Review property condition reports, valuations, and repair recommendations to support disposition decisions.
  • Manage and oversee third-party vendors including:
  • Property preservation companies
  • REO brokers and asset managers
  • Auction platforms and title vendors
  • Establish performance metrics, conduct regular reviews, and ensure vendor compliance with SLAs, investor guidelines, and regulatory standards.
  • Approve vendor invoicing and control costs related to default and post-foreclosure activities.

  Risk Management & Process Improvement

  • Identify operational risks and develop mitigation strategies related to default reporting, foreclosure, and post-sale processes.
  • Drive continuous process improvement to enhance efficiency, compliance, and customer outcomes.
  • Collaborate with Legal, Compliance, Loss Mitigation, and Accounting teams to resolve complex cases and systemic issues.

  Leadership & Team Management

  • Lead, coach, and develop a team responsible for default reporting and post-foreclosure operations.
  • Establish clear performance goals, training plans, and accountability standards.
  • Foster a culture of compliance, accuracy, and continuous improvement.

  • Partner with stakeholders to respond to ad-hoc reporting requests and provide analytical support for strategic initiatives.
  • Support testing and implementation efforts related to system enhancements, investor code changes, or new reporting processes.
  • Ensure all work is performed in compliance with company policies and regulatory guidelines.
  • Function as a point of contact for internal and external escalations related to default reporting.
  • Other duties as assigned.

  Performance Expectations:

  • Perform all actions in accordance with the Mission, Vision, and Convictions of EHL.
  • Manage the department to meet or exceed department productivity, production and/or financial metrics.
  • Provide a “WOW” experience and effectively communicate with associates, clients, partners, and vendors via phone, written communication, and/or in person.
  • Set clear expectations for associates and support their personal and professional growth through one-on-one meetings held on a semi-monthly or more frequent basis and annual performance reviews with all direct reports.
  • Address performance issues in a timely manner and document incidents.
  • Anticipate staffing issues, plan for staffing changes in advance, and complete recruiting activities monthly for branches, or as needed for departments in order to hire high quality associates to fully staff the team.
  • Host regular and timely communication with associates.
  • Understand the responsibilities of production and operations and act as a liaison between functions to develop collaborative team relationships so that loans close on time, and as promised.
  • Maintain basic knowledge of Evergreen’s HR, Onboarding, Payroll, and Accounting policies and systems and proactively consult applicable department when dealing with issues.
  • Exude a positive attitude, mentor associates, set a good example (this includes appropriate dress and demeanor).
  • Perform all actions in accordance with the policies and procedures of the company.
  • Have knowledge about Evergreen’s mortgage processes and products in order to answer questions and support staff.

  Specific Skills/ Knowledge/ Abilities Required for Position:

  • 7+ years of mortgage servicing experience, with significant focus on default, foreclosure, and post-foreclosure operations required.
  • 3-5 years demonstrated experience using ICE’s Director and Passport system.
  • Strong understanding of Black Knight's MSP Servicing System.
  • Advanced skills in computers and related software programs including, but not limited to, Windows XP and Microsoft Office, and ability to effectively use them.
  • Working knowledge of Passport.
  • Advanced Excel skills (e.g., VLOOKUPs, formulas, pivot tables).
  • 3-5 years of experience creating dashboards, automating reports, and performing data analytics.
  • Strong attention to detail and organizational skills.
  • Ability to work independently, prioritize tasks, and meet strict deadlines.
  • Familiarity with investor/insurer guidelines for FHA, VA, USDA, Fannie Mae, and Freddie Mac.
  • Exercise good judgment and strong character, motivated, hard working.
  • Ability to collaborate well with fellow associates, clients, and vendors.

  • Effective communication skills. Neat, clean, healthy work habits.

  Physical Requirements:

  • Requires all forms of dexterity and mobility throughout the shift, which may include extended periods of sitting and/or standing. Occasionally required to reach with hands and arms, twist, climb or balance, stoop, kneel crouch or crawl.
  • Specific vision abilities required by this job include close vision, distance vision, color vision, peripheral, depth perception and the ability to adjust focus.
  • Must be able to speak and hear, lift and carry up to twenty-five pounds (25 lbs.) or occasionally more.
  • Ability to work in a fast-paced, occasionally noisy environment.
  • May be required to drive for business purposes and if so, must hold a driver’s license in good standing and maintain personal auto insurance in compliance with EHL’s Auto Insurance policy.

  Compensation:

  The base annual range for this position is $58,400 - $113,400 per year depending on a number of factors including location and experience.

  Benefits and Perks:

  Eligible associates (and their families) have the option to enroll in medical, dental, and/or vision coverage of which both the associate and the company contribute towards expenses. Basic Life/AD&D insurance for eligible associates as well as a Short-term Disability benefit are provided by Evergreen. Additional Voluntary Life/AD&D, Long-term Disability benefits and Legal/ID protection plans paid for by the associate are also available. Associates are automatically enrolled in Evergreen’s 401(k) plan. Personal Time Off (PTO) of up to 13.34 hours may be earned monthly and associates may enjoy 9 paid holidays each year. Paid voluntary day of work, company matching on charitable donations and mortgage loan benefit.

  Evergreen is an equal opportunity employer and E-Verify employer.www.Evergreenhomeloans.com

  Equal Housing Lender

  ©2026 Evergreen Moneysource Mortgage Company® dba Evergreen Home Loans NMLS ID 3182. 15405 SE 37th Street, Suite 200 Bellevue, WA 98006 Equal Housing Lender. Trade/service marks are the property of Evergreen Home Loans. All rights reserved. AZ Mortgage Banker License #0910074; CA Licensed by the DFPI under the CRMLA #4130291; NV Mortgage Company License 4837;NJ Licensed by the N.J. Department of Banking and Insurance. Evergreen Home Loans does not represent HUD or FHA and the information provided here was not authored, approved, or endorsed by HUD or FHA. For individual and company license information visit www.nmlsconsumeraccess.org.

  Equal Opportunity Employer
  This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights notice from the Department of Labor.

• About the company

  Headquartered in Bellevue, Washington, Evergreen Home Loans is a full-service direct lender with regional offices throughout the Western United States. For three decades, Evergreen has served local neighborhoods with affordable home loan products while...

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