Join our dedicated team at Victorian Finance as a Mortgage Loan Servicing Specialist and play a vital role in our mission to deliver exceptional mortgage lending and servicing nationwide. At Victorian Finance, we're committed to providing a supportive and collaborative culture where you'll have meaningful opportunities for professional growth. As part of our servicing team, you'll manage agency loans with precision from boarding through payoff, ensuring accuracy and compliance at every step. We believe in empowering our employees with the tools and training they need to build a rewarding career in mortgage servicing.

We're looking for someone who shares our passion for delivering exceptional borrower care while upholding the values of integrity and personal service that have been the bedrock of our community-focused financial institution for over 100 years. With us, you won't just grow your career; you'll be part of a team that combines the trusted relationships of a local bank with the capabilities of a modern lending operation. If you're ready to make a difference and thrive in a dynamic environment, we'd love to hear from you.

• Service an assigned portfolio of first-lien residential mortgage loans across their full lifecycle, from boarding through payoff, in accordance with investor and regulatory guidelines.

• Process and reconcile borrower payments, payoffs, curtailments, and payment reversals, ensuring accurate application to principal, interest, escrow, and fees.

• Administer escrow accounts, including tax and insurance disbursements, annual escrow analyses, and shortage/surplus resolution.

• Respond to borrower inquiries and written requests (including qualified written requests and notices of error) promptly and within required timeframes.

• Maintain accurate loan records and documentation within the servicing system of record, ensuring data integrity across all investor reporting.

• Support default servicing activities including early-stage collections, delinquency management, loss mitigation, and coordination with foreclosure and bankruptcy processes as needed.

• Identify, research, and resolve servicing exceptions, discrepancies, and reconciliation items in a timely manner.

• Partner with compliance, quality control, and audit teams to support internal reviews and investor/agency audits.

• Additional duties as assigned by the servicing manager

• This role requires demonstrated, hands-on experience servicing loans for the three primary agencies. Familiarity with each agency’s servicing guide and reporting cadence is essential:

• Fannie Mae — servicing per the Fannie Mae Servicing Guide, including investor reporting, LSDU/SURF workflows, remittance types (scheduled/actual), and delinquency status reporting.

• Freddie Mac — servicing per the Freddie Mac Guide, including loan-level reporting, cash/remittance obligations, and use of servicing tools and reporting portals.

• Ginnie Mae — servicing of Ginnie Mae pooled loans (FHA, VA, USDA/RD), including pool accounting, monthly RFS reporting, security holder remittances, and adherence to the Ginnie Mae MBS Guide.

• Working knowledge of GSE remittance cycles, custodial account requirements (P&I and T&I), and monthly investor reconciliation.

• 3+ years of mortgage loan servicing experience with direct exposure to Fannie Mae, Freddie Mac, and Ginnie Mae loans.

• Working knowledge of agency servicing guidelines and investor reporting requirements.

• Strong understanding of escrow administration, payment processing, and cash reconciliation.

• Familiarity with applicable servicing regulations, including RESPA, TILA, and CFPB mortgage servicing rules.

• Excellent attention to detail, organizational skills, and the ability to manage deadlines across multiple investor cycles.

• Proficiency with Microsoft Excel and standard office productivity tools.

We are a community-focused financial institution headquartered in Parsons, Tennessee, proudly serving individuals, families, and businesses across our region for over 100 years. Built on a tradition of personal service, integrity, and deep community roots, we combine the trusted relationships of a local bank with the capabilities of a modern lending operation.

Through our mortgage division, Victorian Finance, we extend that same commitment nationwide—delivering residential mortgage lending and servicing with a focus on accuracy, compliance, and exceptional borrower care. Our servicing team is central to that mission, managing each agency loan with precision from boarding through payoff. We offer our employees a supportive, collaborative culture, meaningful opportunities for professional growth, and the tools and training to build a rewarding career in mortgage servicing.