Loan Servicing Specialist

Job Title: Loan Servicing Specialist

Location: Chandler, AZ (Preferred) | Remote Considered for Highly Qualified Candidates

Job Type: Full-Time

Job Summary

Truly Investor Capital is a leading private lender specializing in Residential Transition Loans (RTL), Bridge, Ground-Up Construction, and DSCR financing. As we continue to grow our servicing platform, we are seeking an experienced and detail-oriented Loan Servicing Specialist to join our Operations team.

This role is responsible for servicing a portfolio of Residential Transition Loans (RTL), Bridge, Ground-Up Construction, DSCR, and other real estate loan products from funding through payoff. Responsibilities include loan servicing, collections, borrower support, loan boarding, loan transfers, investor reporting, and portfolio maintenance. The ideal candidate has experience servicing real estate loan products and understands the unique servicing considerations associated with RTL, Ground-Up Construction, Bridge, and DSCR loans, including loans with multiple funding advances and changing unpaid principal balances (UPB).

Key Responsibilities

Loan Servicing & Portfolio Management

• Service a portfolio of Residential Transition Loans (RTL), Bridge, Ground-Up Construction, DSCR, and other real estate loan products.
• Process and monitor borrower payments, payoffs, loan modifications, and servicing requests.
• Maintain accurate loan records and servicing data throughout the life of each loan.
• Ensure servicing activities are completed accurately, efficiently, and in accordance with company and investor guidelines.
• Understand the servicing nuances associated with RTL, construction, bridge, and DSCR loan products, including loans with multiple funding advances and changing unpaid principal balances (UPB).

Collections & Portfolio Performance

• Monitor delinquent accounts and communicate with borrowers regarding past-due payments.
• Assist borrowers in resolving payment issues while maintaining a high level of customer service.
• Negotiate payment arrangements in accordance with company policies.
• Maintain thorough documentation of borrower communications and servicing activities.
• Partner with leadership to help maintain the overall health and performance of the servicing portfolio.

Borrower Support

• Serve as the primary servicing contact for borrowers following loan funding.
• Respond to borrower inquiries regarding loan payments, balances, payoffs, servicing requests, and account maintenance.
• Research and resolve servicing-related questions in a timely and professional manner.
• Deliver exceptional customer service while building strong borrower relationships.

Loan Boarding & Transfers

• Board newly funded loans into the servicing platform, ensuring complete and accurate loan data.
• Process loan transfers, including data validation and reconciliation.
• Coordinate with internal departments and servicing partners to ensure seamless loan onboarding and transfers.
• Maintain accurate servicing records throughout the loan lifecycle.

Investor Reporting & Operational Support

• Assist with investor reporting and servicing-related reconciliations.
• Partner with accounting and operations teams to resolve servicing discrepancies.
• Assist with audits, quality control initiatives, and special servicing projects.
• Identify opportunities to improve servicing processes and operational efficiency.

Qualifications & Skills

Experience

• 2-5 years of loan servicing experience, preferably servicing Residential Transition Loans (RTL), Bridge, Ground-Up Construction, DSCR, or other real estate lending products.
• Experience with collections, borrower support, loan boarding, loan transfers, and investor reporting preferred.
• Experience working in a private lending, hard money, or mortgage lending environment is strongly preferred.

Knowledge

• Strong understanding of loan servicing operations and servicing best practices.
• Familiarity with the servicing requirements associated with RTL, Bridge, Ground-Up Construction, and DSCR loans.
• Understanding of servicing loans involving multiple funding advances and changing unpaid principal balances (UPB).
• Working knowledge of investor servicing requirements and reporting processes.

Skills

• Exceptional attention to detail and organizational skills.
• Strong analytical and problem-solving abilities.
• Excellent written and verbal communication skills.
• Ability to manage multiple priorities in a fast-paced, team-oriented environment.

Technology

• Proficiency with loan servicing systems and Microsoft Office Suite (Excel, Outlook, Word).

Education

• High school diploma or equivalent required.
• Associate's or Bachelor's degree preferred.

Why Join Truly Investor Capital?

• Highly competitive compensation plus performance bonus.
• Opportunity to join one of the nation's fastest-growing private real estate lenders.
• Collaborative, entrepreneurial culture with direct access to leadership.
• Modern technology and streamlined operational processes designed to support efficiency and success.
• Opportunities for professional development and long-term career growth.

If you're an experienced loan servicing professional looking to build your career with an innovative and rapidly growing private lender, we'd love to hear from you.