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Andreessen Horowitz (a16z) and managing over $130 billion in loans, we’ve built our platforms from the ground up—not on outdated legacy systems—so homeowners, lenders, and investors experience greater transparency, efficiency, and care.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.
The Investor Accounting team is responsible for investor and loan focused accounting activities such as disbursing and remitting funds, reconciling custodial and clearing accounts, management of banking relationships and accounts, and provides the required documentation and reporting of financial activity. The Valon Investor Accounting Team is a team of experienced mortgage professionals that are creating elevated processes and controls in order to provide accurate and timely reporting in compliance with investor guidelines. We strive for a dynamic culture and experience for clients and investors as it relates to mortgage accounting.
We are seeking a highly experienced and proactive Sr. Investor Accounting Analyst to play a critical role in Valon’s Investor Accounting function. This position is responsible for leading complex reconciliations, ensuring accurate and timely investor reporting and remittances, and serving as a subject matter expert (SME) on investor accounting requirements across Fannie Mae, Freddie Mac, and Ginnie Mae portfolios.
The Senior Analyst will own the end-to-end resolution of complex custodial and clearing account variances, mentor junior team members, and help drive process improvements, new control development, and system enhancements. This individual must be comfortable operating with a high degree of autonomy and exercising expert judgment in a fast-paced, scaling environment.
Investor Reporting & Reconciliation Oversight
Lead the preparation, review, and submission of accurate monthly and daily investor reporting and remittances for FNMA, FHLMC, and GNMA portfolios.
Own complex reconciliations for custodial, clearing, and disbursement accounts, ensuring discrepancies are identified, escalated when appropriate, and fully remediated.
Serve as the primary owner for investor account break resolution, including RCA, long-term remediation planning, and control improvements.
Oversee month-end close activities for investor accounting, ensuring accuracy, completeness, and timely delivery.
Technical Expertise & SME Ownership
Act as a subject matter expert on investor reporting guidelines, custodial account requirements, and portfolio-specific reconciliation standards.
Maintain deep working knowledge of GSE-required forms and reconciliations, including but not limited to:
FNMA 496/496a and Schedules
FHLMC 75 / 59
GNMA UC/OC, TOEPI, and custodial reporting
Interpret ambiguous or evolving investor guidance to determine operational impacts and advise leadership.
Leadership, Mentorship & Cross-Functional Influence
Provide guidance, coaching, and training to Analyst-level team members, helping build technical depth across the team.
Review reconciliation work prepared by junior staff and provide feedback to ensure quality and accuracy.
Lead cross-functional initiatives with Cash Ops, Loan Accounting, Servicing, and Product/Engineering teams to improve systems, automate workflows, and strengthen controls.
Represent Investor Accounting in internal and external audits, as well as client or investor reviews.
Process Improvement & Risk Management
Identify trends, risk areas, and process breakdowns within reconciliations and reporting workflows; propose and implement improvements.
Develop or enhance internal controls and documentation to ensure compliance with investor guidelines and regulatory requirements.
Participate in system enhancement discussions, providing detailed user feedback and validating new investor reporting functionality.
5+ years of experience in investor accounting, custodial account management, or MSR-related financial operations within mortgage servicing.
Proven experience independently managing complex reconciliations across clearing, payment, and custodial accounts.
Hands-on experience performing investor reporting for FNMA, FHLMC, and GNMA portfolios.
Deep familiarity with GSE forms, custodial account establishment requirements, and end-to-end reporting workflows.
Demonstrated ability to mentor others, lead initiatives, and operate with minimal direction.
Experience partnering with product and engineering teams to enhance systems or automate workflows.
Excellent analytical, problem-solving, and critical thinking skills with the ability to resolve complex accounting variances.
Strong verbal and written communication skills, including the ability to clearly explain complex reconciliation issues to technical and non-technical stakeholders.
Advanced proficiency in Microsoft Excel (pivot tables, VLOOKUP/XLOOKUP, advanced formulas, data analysis).
Bachelor’s degree in Accounting, Finance, or related field, or 4–6 years equivalent experience in investor accounting functions.
Ability to work effectively in both virtual and in-person collaborative settings.
High attention to detail and a strong ownership mindset.
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
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.
Loading similar jobs...
Discover fully remote job opportunities in the United States at USA Remote Jobs. Apply for roles like Software Developer, Customer Service Specialist, Project Manager, and more!