Claims Analyst

About Valon

Valon is revolutionizing mortgage servicing and consumer direct lending through a technology-first approach. Supported by Andreessen Horowitz (a16z), we manage over $130 billion in loans using platforms built from the ground up, ensuring greater transparency, efficiency, and care for homeowners, lenders, and investors. Our AI-native operating system unifies processes, driving automation, compliance, and continuous improvement across our businesses.

Our mission is to empower homeowners by making the mortgage experience simple, secure, and financially empowering. We achieve this by assembling world-class engineers, servicing experts, lending professionals, and operations leaders dedicated to enhancing the homeowner journey. Valon is not only transforming current servicing and lending models but also creating opportunities for talented individuals to shape the industry's future.

As Valon expands its presence across multiple states, exciting new roles and career paths emerge. Joining us means becoming part of a fast-scaling company where innovation, collaboration, and customer impact are paramount. Mortgage is just the beginning; we are building the future of regulated finance.

Default Servicing at Valon

The Default Servicing team at Valon oversees all default-related processes and resolves mortgage loans in default. This team is vital to Valon and the broader mortgage ecosystem, as it works to prevent foreclosures and minimize investor losses. We prioritize homeowner transparency and financial literacy in our people, processes, and products, striving to support homeowners in maintaining their homeownership dream.

About The Role: Claims Analyst

As a Claims Analyst, you will be responsible for all tasks related to the preparation, filing, and reimbursement of claims with various entities, including Freddie Mac, Fannie Mae, PMI, FHA, VA, and RHS. The claim reimbursement process involves compiling necessary documentation and information, and accurately determining allowable expenses based on investor/insurer guidelines. All claims are prepared and filed using specific internal, investor, and government applications.

This role requires analyzing funds advanced on a mortgage to ascertain what can be reimbursed by Freddie Mac, Fannie Mae, FHA, VA, and RHS. You will apply complex methods and procedures, leveraging knowledge of the business unit’s products and understanding corporate and escrow advances. Qualified candidates should possess broad knowledge of general loan servicing functions and a strong understanding of all areas of default. Furthermore, you will learn Valon’s servicing system and provide meaningful feedback to our product and engineering teams to drive continuous improvement.

Responsibilities

• Compiles and prepares a claims package, including all invoices and documents needed to prepare the claim.
• Identifies and escalates any missing documents and/or invoices needed to support all corporate and escrow advances.
• Prepares and files the claim accurately within the correct internal/investor/government system to request reimbursement.
• Responds to and resolves all suspended claims, including investor/insurer requests for information/documentation timely.
• Reconciles claim funds and expenses written off to ensure all claimable amounts have been filed.
• Escalates to claims management all problems involving claims that are at risk of being denied/curtailed, or cannot be filed timely.
• Works to provide user feedback on current systems to the product and engineering team.
• Other duties as assigned.

Ideal Background

• Minimum of 2+ years of experience in preparing and filing Fannie Mae, Freddie Mac, FHA, VA, and USDA claims.
• Strong proficiency in Excel.
• Strong knowledge of investor/insurer default and claim filing requirements, including Freddie Mac, FNMA, MI, FHA, VA, and RHS.
• In-depth understanding of claims and expense reimbursement logic.
• Excellent time management skills for project management.

Minimum Qualifications

• Minimum 2 years of experience preparing and filing FHA conveyance and claims.
• Expert knowledge of analyzing documentation/invoices to determine claimable expenses.
• Demonstrated experience preparing FHA conveyance (Part A) and claims (Part B, C, D, E).
• Strong analytical and problem-solving skills.
• Excellent organization skills.
• Excellent interpersonal skills, including both written and verbal communication.
• Strong knowledge of claims application, FHA Catalyst, and FHA connection.
• Minimum education requirement: High school diploma or GED equivalent required.

Benefits

• Compensation: Competitive salary and 401(k) plan.
• Health & Well-being: Comprehensive medical, dental, & vision benefits.
• Commuter Benefits: Pre-tax deductions for public transportation, rideshare, and parking.
• Grow Together: Company-wide orientation, learning & development opportunities, and regular 360-degree feedback reviews.
• Generous Time Off: 17 days paid time off, sick days, and 11 company holidays.
• Baby Bonding Time: 12 weeks fully paid leave for both birthing and non-birthing parents.

Key skills/competency

• Freddie Mac Claims
• Fannie Mae Claims
• FHA Claims
• VA Claims
• USDA Claims
• Mortgage Servicing
• Default Management
• Expense Reimbursement
• Financial Analysis
• Excel Proficiency