Valon Mortgage

Role Description As a Supervisor, Special Loans & Products, you will be responsible for managing the day-to-day operational aspects of the Special Products team to ensure processes are completed within compliance, department SLA, and provide outstanding service to our clients and borrowers. You will partner with the Special Products Department Manager to document procedures, identify process gaps, and provide domain knowledge and expertise. - Plan, direct, and organize workflow for the special products team to ensure the most efficient use of resources and that required SLAs are met. - Resolve complex problems, issues, or questions to ensure customer satisfaction and maintain productive cross-functional working relationships. - Review special products' job functions and make suggestions for streamlining functions, improving efficiency, and increasing the accuracy and quality of work. - Oversee, review, and assist with all special product functions, including, but not limited to: SCRA-protected loans, MERS, ARMs, successors in interest, co-ops, assumptions, and partial release requests. - Perform loan maintenance as needed, ensuring changes are authorized prior to input and correctly applied in the servicing system. - Monitor all ARM loans to ensure timely and accurate payment change notifications. - Keep senior leadership informed of changes/issues affecting the team and overall operations. - Manage team metrics; establish and monitor team performance and quality through productivity models and business line testing. - Provide direct reports with proper tools and resources to execute their assigned functions and develop the skills of staff through goal-setting, coaching, delegation, training, and performance management. - Maintain proficient knowledge of, and ensure special products servicing activities are performed in compliance with, all investor, state, and federal servicing laws and regulations applicable to areas of responsibility. - Other duties as assigned. Qualifications - 2+ years of special servicing experience - 1+ years of experience in people management - Must be comfortable working in a startup environment - Experience in creating and developing new policies - Excellent attention to detail and time management abilities - Ability to multitask and manage time effectively to meet deadlines - 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 - Food & meals: in-office snacks and drinks, and Bagel Fridays - 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

Role Description As a Sr. Default Associate within the broader Default Administration team, you will be responsible for processes and procedures related to claims, invoice management, and corporate advances. We’re looking for a self-starter with strong project management skills to assist with and advise on the implementation of processes for reconciliation and recovery that comply with contractual obligations, Valon policies, and regulatory guidelines. In this highly cross-functional role, you will also work with internal and external stakeholders to ensure reporting requirements and deadlines are met. Responsibilities - Invoice Management - Process and manage all vendor invoices and payments for all areas of delinquency and default while adhering to company policies and procedures. - Verify the accuracy of invoices and confirm that all expenses adhere to Investors, Insurers, and Agency guidelines/allowable expense schedules (Freddie Mac, FNMA, FHA, VA, RHS, etc.), and are mapped and paid to the appropriate expense code and account. - Record all financial transactions, including verifying, classifying, and recording invoice data. - Assist internal departments and 3rd party vendors to resolve outstanding invoices, invoice discrepancies, and payment issues. - Issuing, tracking, and monitoring billbacks to vendors for over allowable expenses. - Corporate Advances - Oversee offshore vendor- monitoring, tracking their work, and ensuring accurate and timely completion, including issuing vendor scorecards. - Review and reconcile prior servicer's corporate advance data files and ensure all transactions are mapped to the correct loans and accounts, and there are invoices/backup to support all prior servicer corporate advances. - Reconcile onboarded corporate advances with data files and work with the onboarding team and system engineers to resolve any discrepancies. - Work with the onboarding team and offshore staff to ensure all invoices and backup documents are received from prior servicers. - Review and reconcile corporate advance data for offboarding loans and provide an accurate list of all corporate advances to the offboarding team. - Work closely with Product and Engineering on system requirements to automate and manage processes related to corporate advance, invoice management. - Work collaboratively to coordinate with internal and external business partners. - Work with prior servicers and internal departments to map corporate advances to the system of record for all acquisitions. - Facilitate and respond to all audit requests/findings and client requests relative to invoices and corporate advances. - Provide monthly MBR report and trending report. - Escalate all problems and compliance issues in a timely manner. Qualifications - 5+ years of experience in Invoice management, Corporate Advance Management, or Default Accounting. - Experience developing and managing complex processes with multiple stakeholders. - Excellent written and verbal communication skills. - Experience working cross-functionally with Product and Engineering teams. - Strong Excel or Google Sheets experience, including V-lookup. - 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.

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. Client Experience at Valon The Client Experience team is a group of organized and altruistic individuals who provide exceptional customer service to our homeowners. Whether they take ownership of collections, provide guidance to questions, or solve customer issues in real-time, the team acts as the bridge between Valon Mortgage and our customers. Equipped with extensive knowledge of the mortgage industry, each member prides themself on driving Valon’s mission of championing homeownership. About the Role The Resolutions Loan Document Specialist is responsible for the accurate, timely, and compliant processing of loan-related documentation within a mortgage servicing environment. This role supports borrower requests, internal operations, and regulatory requirements by ensuring all document-related tasks are completed within established service level agreements (SLAs). Responsibilities - Process and manage incoming digital mail, including routing to appropriate departments - Generate and deliver payoff statements to our homeowners. - Fulfill document requests such as payment histories, amortization schedules, and other loan-related records - Research and retrieve missing or historical loan documentation, including prior servicer records when applicable - Process borrower and third-party requests (e.g., authorizations, escrow waivers, and opt-out requests) - Ensure all work is completed accurately and within defined SLAs - Maintain compliance with company policies, investor guidelines, and regulatory requirements - Collaborate with internal teams to resolve document-related inquiries and issues Minimum Expectations - Meet or exceed established service level agreements (SLAs) for all assigned tasks - Maintain high levels of accuracy and quality in document processing - Manage workload effectively to prevent backlogs - Meet productivity and quality benchmarks as defined by management - High school diploma or equivalent required; associate or bachelor’s degree preferred - Knowledge of mortgage loan documents and servicing processes is a plus - Strong attention to detail and organizational skills - Ability to manage multiple priorities and meet deadlines in a fast-paced environment - Proficiency in Microsoft Office and document management systems - 1–3 years of experience in mortgage servicing, banking operations, or document processing preferred 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 - Food & meals: in-office snacks and drinks, and Bagel Fridays - 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.

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. Loan Administration at Valon The Loan Administration team powers all of the operations required to keep Valon running smoothly. From handling all servicing aspects related to special servicing, escrow, payment processing as well as default servicing, the Loan Administration team ensures that homeowners continue to get a first-class experience with Valon, all from behind the scenes. About the Role We are looking for an experienced mortgage servicing professional who can perform Escrow Analysis. The right candidate enjoys tackling complex problems in various process areas. Responsibilities - Execute and solve day-to-day operational problems to meet department and investor Service Level Agreements - Review annual analysis for anomalies to ensure loans are analyzed accurately and timely per RESPA requirements - Able to efficiently research tax and insurance activity - Handle escalated loan-level issues and provide departmental research and assistance for complex issues as needed to support client inquiries and various departments - Process escrow refund requests - Review and handle escrow setup and/or deletion requests - Review control reports to ensure compliance with state, regulatory, and investor guidelines - Ensure escalations are responded to timely and accurate manner - Help inform product development and enhancements by synthesizing and delivering servicing process/platform feedback to senior leadership - Handle other escrow responsibilities and projects as assigned by management - Carriers out responsibilities in accordance with the organizational policies and applicable laws and regulations - Other duties as assigned Ideal Background - Bachelor’s degree preferred - 2-3 years of experience working in mortgage servicing or within an escrow function. - Freddie Mac or Fannie Mae servicing experience preferred Minimum Qualifications - Excellent critical thinking and logical reasoning abilities - Experience working with cross-functional teams to solve business problems and handle change management in a fast-paced environment - Must be available to collaborate and communicate in regularly held in-person meetings - Strong verbal and written communication skills - Ability to work independently and in a team environment - Adaptability to changes in the work environment - Minimum education requirement: High school diploma or GED equivalent required Benefits - Compensation: competitive salary and 401k plan - Health & well-being: we’ll invest in your physical and mental well-being with comprehensive medical, dental, & vision benefits - Food & meals: in-office snacks and drinks, and Bagel Fridays - 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.

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 oversees all aspects of default-related processes, working to resolve mortgage loans that have entered default. This function is critical to both Valon and the broader mortgage ecosystem, as it plays a key role in preventing foreclosures and minimizing losses for investors. The team is deeply committed to promoting homeowner transparency and financial literacy, which are central to its people, processes, and products. Through these efforts, Default Servicing strives to support homeowners facing financial hardship and provide meaningful pathways to help them sustain homeownership. About the Role The Mortgage Assistance QC Specialist is responsible for reviewing the accuracy and compliance of loss mitigation applications, financial calculations, and workout documentation. This role serves as a critical check before documents are sent to borrowers (Pre-Execution) and after executed packages are returned (Post-Execution). Responsibilities - Audit & Compliance Review: Perform comprehensive quality control reviews on loss mitigation files on approvals and denials, to ensure adherence to CFPB, FHA, VA, USDA, FNMA, and FHLMC guidelines and internal policy/procedures. Assist with internal and external audits. - Data Validation: Verify the accuracy of financial information, income calculations, expenses, debt-to-income (DTI) ratios, and loan terms compared to internal systems of record. - Eligibility Validation: Confirm eligibility and validity of the workout offered against quality control checklists. - Review and verify previous partial claims, modification terms, and timelines. - Defect Tracking: Identify and document inconsistencies or non-compliance issues, escalating material defects to management as required. - Documentation: Ensure complete and accurate documentation of the evaluation within the servicing system, and all supporting documentation is present. - Reporting: Prepare monthly reports summarizing QC audit findings, identifying trending errors, and recommending process improvements. - Stakeholder Communication: Collaborate with processors, underwriters, and external vendors to resolve identified errors and ensure timely corrective action. - Continuous Improvement: Provide feedback related to QC findings, trends, and training opportunities to improve business performance through the establishment of regular meetings. - Actively participate in QC activities and projects designed to improve business performance. - Stay current on changes in industry regulations and recommend updates to internal policies, procedures, and systems based on new/changed requirements. - Task and Pipeline Management: Provide accurate and complete information to resolve issues and follow up on any outstanding commitments, keeping to SLAs. - Ensure tasks assigned are completed within SLA. - Perform other duties as assigned. Minimum Qualifications - Experience: 3–5 years of experience in mortgage loss mitigation, underwriting, or quality control. - Regulatory Knowledge: Deep understanding of mortgage regulations, including RESPA, TILA, ECOA, and HMDA. - Deep understanding of Federal, State, Regulatory, and Investor Guidelines - Technical Skills: Proficiency in mortgage servicing systems and Microsoft Office Suite, particularly Excel. - Analytical Thinking: Ability to interpret complex financial documents and apply varying investor program requirements. - Attention to Detail: Extreme precision in reviewing loan files to identify minor but critical errors. - Organizational Skills: Capable of managing a high-volume pipeline and meeting strict regulatory deadlines in a fast-paced environment. - 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 - Food & meals: in-office snacks and drinks, and Bagel Fridays - 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.

Role Description The Pre-Foreclosure Associate plays a key supporting role within the Default Services team, focusing on the accurate preparation and maintenance of pre-foreclosure files. This position is responsible for assisting with foundational pre-foreclosure activities, including: - Building pre-review foreclosure folders - Compiling required documentation from internal systems - Ensuring data accuracy throughout the process Key responsibilities include: - Organizing loan documentation - Manually entering property inspection results - Supporting the tracking of loans within the pre-foreclosure pipeline - Ensuring files are complete and aligned with internal procedures, regulatory requirements, and investor guidelines prior to review - Working closely with internal teams to resolve missing documentation - Escalating issues as needed This position is ideal for a detail-oriented and process-driven individual looking to build experience in default servicing. Success in this role requires: - Strong organizational skills - Attention to detail - The ability to follow structured workflows in a compliance-focused environment - Supporting overall team efficiency Qualifications - 1–2 years of experience in mortgage servicing, default servicing, foreclosure, or a related operational or clerical role - Basic understanding of pre-foreclosure processes, documentation, and timelines - Familiarity with regulatory and investor guidelines (FHA, VA, Fannie Mae, Freddie Mac preferred but not required) - Working knowledge of foreclosure-related compliance requirements, including exposure to CFPB guidelines and FDCPA concepts - Strong data entry skills with a focus on accuracy and attention to detail - Basic proficiency in Microsoft Word, Outlook, and Excel - Ability to follow defined processes and procedures in a compliance-driven environment - Strong organizational skills with the ability to manage multiple tasks in a fast-paced setting - Ability to identify inconsistencies and escalate issues appropriately - High school diploma or equivalent required Requirements - Demonstrates strong attention to detail and accuracy in document compilation and data entry tasks - Works effectively as part of a team, supporting senior staff and contributing to overall workflow efficiency - Communicates clearly and professionally with internal stakeholders - Shows a willingness to learn foreclosure processes, compliance requirements, and servicing systems - Proactively follows up on assigned work to ensure timely completion - Maintains organized records and documentation to support audits and reviews - Adapts to process updates and incorporates feedback to improve performance - Supports team goals by completing tasks efficiently and in compliance with company and regulatory standards Benefits - Compensation: competitive salary and participation in our 401k plan - Health & well-being: comprehensive medical, dental, & vision benefits, One medical membership, and Talkspace for mental health support - Food & meals: in-office snacks and drinks, Bagel Fridays - Commuter benefits: pre-tax deductions for public transportation, rideshare services, and parking expenses - Grow together: company-wide orientation and learning & development opportunities including regular review cycles with 360-degree feedback - Generous time off: 17 days paid time off, sick days, and 11 company holidays

Role Description As a Sr. Default Associate within the broader Default Administration team, you will be responsible for processes and procedures related to claims, invoice management, and corporate advances. We’re looking for a self-starter with strong project management skills to assist with and advise on the implementation of processes for reconciliation and recovery that comply with contractual obligations, Valon policies, and regulatory guidelines. In this highly cross-functional role, you will also work with internal and external stakeholders to ensure reporting requirements and deadlines are met. Responsibilities - Invoice Management - Process and manage all vendor invoices and payments for all areas of delinquency and default while adhering to company policies and procedures. - Verify the accuracy of invoices and confirm that all expenses adhere to Investors, Insurers, and Agency guidelines/allowable expense schedules (Freddie Mac, FNMA, FHA, VA, RHS, etc.), and are mapped and paid to the appropriate expense code and account. - Record all financial transactions, including verifying, classifying, and recording invoice data. - Assist internal departments and 3rd party vendors to resolve outstanding invoices, invoice discrepancies, and payment issues. - Issuing, tracking, and monitoring billbacks to vendors for over allowable expenses. - Corporate Advances - Oversee offshore vendor- monitoring, tracking their work, and ensuring accurate and timely completion, including issuing vendor scorecards. - Review and reconcile prior servicer's corporate advance data files and ensure all transactions are mapped to the correct loans and accounts, and there are invoices/backup to support all prior servicer corporate advances. - Reconcile onboarded corporate advances with data files and work with the onboarding team and system engineers to resolve any discrepancies. - Work with the onboarding team and offshore staff to ensure all invoices and backup documents are received from prior servicers. - Review and reconcile corporate advance data for offboarding loans and provide an accurate list of all corporate advances to the offboarding team. - Work closely with Product and Engineering on system requirements to automate and manage processes related to corporate advance, invoice management. - Work collaboratively to coordinate with internal and external business partners. - Work with prior servicers and internal departments to map corporate advances to the system of record for all acquisitions. - Facilitate and respond to all audit requests/findings and client requests relative to invoices and corporate advances. - Provide monthly MBR report and trending report. - Escalate all problems and compliance issues in a timely manner. Qualifications - 5+ years of experience in Invoice management, Corporate Advance Management, or Default Accounting. - Experience developing and managing complex processes with multiple stakeholders. - Excellent written and verbal communication skills. - Experience working cross-functionally with Product and Engineering teams. - Strong Excel or Google Sheets experience, including V-lookup. - 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. - Food & meals: in-office snacks and drinks, and Bagel Fridays. - 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.

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. Legal, Risk, Compliance at Valon The Legal, Risk, and Compliance (LRC) team at Valon is responsible for interpreting and advising our company on the various legal, regulatory, and contractual frameworks that impact our work. The LRC team also implements our enterprise risk management program, including through the oversight of third-party relationships. In addition, our team members also partner closely with our product and technology teams to ensure that all business initiatives are developed and implemented in a compliant manner. As a member of the LRC team, you will work closely with internal clients across the company to represent and protect Valon’s legal interests and manage risk in every aspect of our business. About the Role We are seeking an Executive Office Senior Specialist to support our servicing operations by researching, responding to, and resolving customer complaints received by phone, email, and social media. This person will be responsible for advocating for our homeowners, helping us to understand their feedback, and suggesting how we may be able to respond to said feedback. Responsibilities - Research homeowner complaints and execute or recommend solutions. - Effectively resolve homeowner issues. - Comply with all applicable legal and regulatory requirements, including state and/or regional requirements. - Liaison between the homeowner and applicable lines of the business. - Monitor complaint notices on various portals. - Complete additional responsibilities as assigned Ideal Background - 1-2 years of complaints-processing experience. - Previous experience handling complaints by regulatory agencies. - Previous experience with Zendesk, NICE, and Google Suite. - Exceptional organizational and time management abilities. Minimum Qualifications - High school diploma or equivalent. - Exceptional oral and written communication skills. - Ability to work with minimal supervision in a fast-paced environment. - Attention to detail. Benefits - Compensation: Competitive salary and a 401(k) plan—with a 4% annual match! - Hours: No weekends or late nights required! - Generous amount of paid time off: 17 days of paid time off, 5 additional paid sick days, and 11 paid company holidays! - Health & well-being: We’ll invest in your physical and mental well-being with comprehensive, low-cost medical, dental, & vision benefits, and an EAP for additional support! - Food & meals: In-office snacks and drinks (and Bagel Fridays)! - Grow together: We set new employees up for success with our company-wide New Hire Orientation! Other learning and development opportunities include quarterly possibilities for promotion and annual performance reviews. - Baby bonding time: Birthing and non-birthing parents receive 12 weeks of FULLY PAID time off to focus on their new addition(s)! 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.

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. Special Loans at Valon Valon’s Special Loans Team is responsible for managing core business processes for MERS updates and reconciliation, SCRA-protected loans, recasts, assumptions, successor in interest, and partial release requests. We are a team of creative individuals who approach servicing challenges with an innovative mindset. Our goal is to help homeowners resolve special servicing needs while providing a first-class experience with Valon, all from behind the scenes. About the Role We’re looking for a detail-oriented, deadline-driven Assumptions Processor to join our growing servicing team. In this role, you’ll manage the end-to-end processing of mortgage assumption requests, ensuring compliance with agency guidelines and delivering an exceptional borrower experience. This position requires a strong working knowledge of Fannie Mae, Freddie Mac, and Ginnie Mae assumption guidelines, excellent stakeholder communication skills, and the ability to manage complex loan scenarios with minimal oversight. Responsibilities - Process mortgage assumption requests from initiation through completion, ensuring all required documentation is collected and reviewed for compliance with investor and regulatory guidelines. - Work directly with borrowers, real estate agents, and other stakeholders to explain requirements, resolve issues, and keep the process moving forward. - Independently manage multiple assumption files concurrently while meeting SLA and quality expectations. - Coordinate with internal servicing teams and external partners to ensure timelines are met and the customer experience is seamless. - Review and validate borrower eligibility in accordance with Freddie Mac, Fannie Mae, and Ginnie Mae requirements. - Accurately input, update, and maintain loan data with the servicing system, ensuring records reflect current ownership, obligor status, and assumption terms. - Track milestones and maintain audit-ready documentation to support internal reviews, investor audits, and regulatory exams. - Identify opportunities to improve workflows and leverage Valon’s technology to enhance processing speed and accuracy. - Maintain a strong understanding of agency guidelines and regulatory requirements related to assumptions. - Other duties as assigned Ideal Background - 2+ years of mortgage servicing or processing experience, with specific exposure to assumptions preferred. - Familiarity with Freddie Mac, Fannie Mae, and Ginnie Mae servicing guidelines. - Strong organizational skills with the ability to manage multiple files and deadlines simultaneously. - Exceptional attention to detail and accuracy. - Proactive communicator with a focus on customer satisfaction. - Comfortable working in a fast-paced, technology-driven environment. Minimum Qualifications - Experience working in mortgage servicing or closing with agency and government loan products. - Familiarity with state-specific recording requirements. - Proven ability to work in a deadline-driven environment while maintaining quality standards. - High school diploma, GED, or equivalent secondary education certification required. Benefits - Compensation: Competitive salary and a 401(k) plan—with a 4% annual match! - Hours: No weekends or late nights required! - Generous paid time off: 17 days of PTO, 5 paid sick/personal days, and 11 paid company holidays. - Health & well-being: Comprehensive, low-cost medical, dental, & vision benefits, plus EAP support. - Growth opportunities: New Hire Orientation, quarterly promotion opportunities, and annual reviews. - Parental leave: 12 weeks of fully paid leave for birthing and non-birthing parents. 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.

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. Lending at Valon Valon is currently scaling up its mortgage lending business, which aims to provide Valon borrowers with the ability to access low-cost, streamlined mortgage credit and tools to retain borrowers in their portfolio for Valon partners. We are looking for experienced and innovative individuals to help build our team and business who are eager to change the mortgage industry for the better. About this Role The Sr. Mortgage Underwriter 1 will be responsible for, but not limited to, the underwriting of residential loans through post-close sale/ ensuring compliance with appropriate company and investor guidelines. A Mortgage Underwriter will be responsible for examining loan documentation for accuracy and completeness while working with loan originators, processors, or production staff to secure all required documents. Valon currently originates conventional and FHA loans, and underwriters can expect to be involved in both programs, with the possibility of additional programs being added in the future. You may be required to work with more senior mortgage underwriters or the underwriting manager on loan exceptions, having the authority to withdraw and decline loans. Responsibilities - Analyze borrowers' credit, income, assets, collateral, and capacity to ensure creditworthiness - Review complex tax returns and income calculations - Appraisal Review - Review loans, mentor, and train new hires - Maintain a working knowledge of secondary market underwriting guidelines, private investor, and private mortgage insurance guidelines - Review new loans and clear conditions on resubmissions within SLA - Respond to audits and perform quality control reviews on mortgage files - Maintain a focus on enhancing customer service skills and knowledge. - Ensure KPIs are met as set forth by the underwriting manager. - Maintain the quality and data integrity of all loan files. - Able to comply with the policies and procedures outlined in the Company Handbook - Ability to multitask in a high-volume environment - Continuous focus on the customer experience - Ability to work independently - Strong attention to detail and effective problem-solving skills - Other duties as assigned Minimum Qualifications - 5+ years of conventional mortgage underwriting experience - 3+ years of FHA DE underwriting experience (TOTAL Scorecard and Manual) - Deep knowledge of Fannie Mae/DU, Freddie Mac/LPA, and FHA guidelines and automated underwriting systems - Ability to critically examine credit, income, assets, title, and appraisals for adherence to company, investor, and GSE underwriting guidelines - Understanding of relevant mortgage industry federal regulation, including RESPA, TILA, ECOA, TRID, CFPB, etc. - Minimum education requirement: High school diploma or GED equivalent required Ideal Background - 10+ years of mortgage underwriting experience - 5+ years of FHA DE experience - Current active VA designation - Bachelor’s degree or equivalent work experience - Strong communicator with excellent writing skills - High integrity with strong ethical values - Team player with the ability to work effectively with a variety of team members Benefits - Compensation: competitive salary plus monthly commission and 401k 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.