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Default Servicing Jobs (NOW HIRING)

Flat Branch Home Loans

Default Servicing Manager

The Servicing Default Manager is responsible for strategic leadership, oversight, and reduction of risks for default servicing activities, including delinquency management, collections, loss ...

Guild

Default Servicing Trainer

$73K - $102K/yr

Position Summary The Default Servicing Trainer is responsible for the design, development, and delivery of comprehensive training programs that support the Default Servicing organization, with a ...

Mountain West Financial, LLC

Default Supervisor

Sandy, UT · On-site

$28.25 - $36/hr

Summary The Mortgage Servicing Default Supervisor is responsible for overseeing the day-to-day operations of the default servicing department, including delinquency management, loss mitigation ...

TexasBank

Default Services Manager

Fort Worth, TX · Hybrid

The Default Services Manager provides executive leadership for the Bank's default servicing ... This role is accountable for developing long-term servicing strategies, leading organizational ...

TexasBank

Default Services Manager

Fort Worth, TX · On-site

The Default Services Manager provides executive leadership for the Bank's default servicing ... This role is accountable for developing long-term servicing strategies, leading organizational ...

Arixa Capital

Default Specialist

Los Angeles, CA · Hybrid

Providing exceptional service to clients and non-clients alike, assisting with inquiries, questions, and concerns regarding their loans and other financial needs. * Manage and process default ...

Arixa Capital

Default Specialist

Los Angeles, CA · Hybrid

Providing exceptional service to clients and non-clients alike, assisting with inquiries, questions, and concerns regarding their loans and other financial needs. Manage and process default ...

Arixa Capital

Default Specialist

Los Angeles, CA · On-site

... servicing portfolio exceeding $2.5 billion as of June 30, 2026. We're more than a lender. Our ... Position Overview Arixa is seeking a motivated and detail-oriented Default Specialist. Under ...

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How much do default servicing jobs pay per hour?

As of Aug 20, 2026, the average hourly pay for default servicing in the United States is $26.43, according to ZipRecruiter salary data. Most workers in this role earn between $19.23 and $28.85 per hour, depending on experience, location, and employer.

What is default servicing?

A Default Servicing job involves managing loans that are delinquent or in default to help mitigate financial losses for lenders. Responsibilities often include communicating with borrowers, arranging repayment plans, coordinating foreclosure or loss mitigation efforts, and ensuring compliance with regulations. The goal is to work with borrowers to resolve delinquencies while protecting the lender's interests.

What are the daily responsibilities of someone working in default servicing?

In a Default Servicing role, you'll spend much of your time reviewing delinquent accounts, contacting borrowers to discuss repayment options, and coordinating with internal departments to facilitate resolutions. You'll also be responsible for documenting communications, updating borrower records in servicing systems, and ensuring compliance with industry regulations. The job is often fast-paced, requiring adaptability and a customer-focused approach to help both clients and your organization reach favorable outcomes. Team collaboration is key, as you may regularly work with underwriting, legal, and loss mitigation teams to resolve more complex cases.

What skills and qualifications are needed for default servicing?

Success in Default Servicing requires a solid understanding of mortgage or loan servicing, financial analysis, and collection procedures, often supported by experience in banking or finance. Familiarity with loan servicing software, collections platforms, and relevant regulatory guidelines such as FDCPA is highly valued. Strong negotiation, problem-solving, and interpersonal skills help professionals work effectively with borrowers and internal teams. These capabilities are crucial for navigating complex financial situations, ensuring compliance, and achieving positive outcomes for both lenders and borrowers.

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Default Servicing jobs near you
Infographic showing various Default Servicing job openings in the United States as of August 2026, with employment types broken down into 1% Internship, 77% Full Time, 14% Part Time, 2% Temporary, and 6% Contract. Highlights an 94% Physical, 2% Hybrid, and 4% Remote job distribution, with an average salary of $54,984 per year, or $26.4 per hour.

Default Servicing Manager

Flat Branch Home Loans

Remote

Full-time

Posted 10 days ago

Job description

Job Type
Full-time
Description
Position Summary:
The Servicing Default Manager is responsible for strategic leadership, oversight, and reduction of risks for default servicing activities, including delinquency management, collections, loss mitigation, foreclosure, bankruptcy, claims administration, and liquidation strategies. This includes strengthening internal controls, and ensuring compliance with investor, agency, and regulatory requirements.
The Servicing Default Manager develops and implements proactive delinquency management controls and default resolution strategies designed to minimize losses, improve portfolio performance, maximize home retention opportunities, and mitigate operational risk.
Candidates must be located within driving distance of a Flat Branch office in: AR, FL, IA, KS, MI, MO, NE, OK, TN, TX.
Responsibilities and Duties:
Strategic Default and Delinquency Management
  • Develop and execute comprehensive default servicing strategies that effectively manage delinquency, reduce portfolio losses, improve cure rates, and enhance borrower outcomes.
  • Monitor portfolio performance, delinquency trends, roll rates, cure rates, loss severity, foreclosure timelines, and servicing costs to identify areas of risk and opportunity.
  • Establish performance objectives and action plans to improve delinquency management effectiveness and mitigate loss exposure.
  • Drive strategy for early intervention and borrower engagement strategies that support home retention while protecting investor interests and reducing portfolio risk.
  • Analyze portfolio data and market trends to proactively identify emerging risks and recommend strategic actions.

Risk Management, Compliance, and Controls
  • Deep understanding of FHA, VA, USDA, Fannie Mae, Freddie Mac, Ginnie Mae, and state regulatory requirements.
  • Ensure appropriate controls and documentation are maintained to support servicing operations and minimize risk exposure.
  • Monitor compliance performance to drive timely identification and resolution of servicing deficiencies.

Operational Leadership
  • Direct oversight and management of all default servicing operations, including loss mitigation, collections, foreclosure, bankruptcy, claims, and property preservation.
  • Develop and implement process improvements designed to enhance operational efficiency, strengthen controls, and reduce losses.

Reporting and Performance Management
  • Develop and maintain executive reporting and dashboard metrics that provide transparency into portfolio performance, delinquency trends, compliance results, and loss exposure.
  • Provide regular reporting and strategic recommendations to management regarding portfolio risks, mitigation strategies, and performance improvement opportunities.
  • Utilize data analytics to support decision making, resource planning, and strategy development.

Team Leadership and Development
  • Recruit, develop, coach, and retain high-performing default servicing professionals.
  • Foster a culture of accountability, compliance, risk awareness, operational excellence, and continuous improvement.
  • Ensure staffing and organizational structure effectively support business objectives and departmental needs.

Requirements
Qualifications
Education
  • Bachelor's degree or equivalent combination of education and industry experience.

Experience
  • 10+ years of progressive Default Servicing experience with significant exposure to default servicing operations.
  • 5+ years of leadership experience managing default servicing.
  • Proven experience developing delinquency management strategies, loss prevention initiatives, and operational risk controls.
  • Strong understanding of collections, loss mitigation, foreclosure, bankruptcy, claims administration, and investor requirements.
  • Experience managing regulatory examinations, audits, compliance programs, and operational performance initiatives.

Knowledge, Skills, and Abilities
  • Extensive knowledge of mortgage servicing regulations, default servicing practices, and investor guidelines.
  • Strong understanding of risk management principles, compliance frameworks, and operational controls.
  • Demonstrated ability to analyze portfolio performance and develop strategies that mitigate risk and reduce losses.
  • Advanced leadership, communication, and stakeholder management skills.
  • Strong analytical and problem-solving capabilities with experience leveraging data to drive performance improvements.

Key Performance Indicators
  • Delinquency and roll-rate performance
  • GNMA Delinquency Ratio Performance and Mitigation
  • Cure and reinstatement rates
  • Loss mitigation success and home retention outcomes
  • Foreclosure and bankruptcy management performance
  • Loss severity and claims recovery results
  • Regulatory and investor compliance performance

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