The Cash Bankruptcy Specialist plays a critical role in the mortgage servicing process by ensuring accurate and compliant processing of borrower payments, bankruptcy-related financial transactions, and cash application in accounts under bankruptcy protection. This role supports the company’s compliance with federal bankruptcy laws and investor guidelines while maintaining a strong customer service focus.

• Accurately apply and reconcile borrower payments on bankruptcy accounts, including trustee payments, post-petition payments, and suspense resolution.
• Review bankruptcy court documents such as Chapter 13 plans, trustee ledgers, and court orders to determine how payments should be applied.
• Monitor and track trustee disbursements and ensure timely posting to the correct accounts.
• Coordinate with internal departments (bankruptcy, cash operations, payment processing, etc.) to ensure compliance with bankruptcy regulations and servicing guidelines.
• Perform account reconciliations for bankruptcy loans, resolving cash misapplications or unapplied funds.
• Ensure all transactions follow investor and regulatory guidelines, including RESPA, CFPB, and bankruptcy law.
• Support accurate and timely bankruptcy reporting and audit responses.
• Identify and escalate complex issues that require legal or compliance input.
• Document all work in the servicing platform and maintain audit-ready files.

Must-Have Qualifications:
• High school diploma or equivalent required; Associate’s or Bachelor’s degree in finance, accounting, or related field preferred.
• 2+ years of experience in mortgage servicing, bankruptcy processing, or cash management.
• Strong knowledge of bankruptcy processes (particularly Chapters 7 and 13) and their impact on mortgage servicing.
• Familiarity with MSP (Black Knight), FiServ, or similar loan servicing systems is a plus.
• Excellent attention to detail and strong organizational skills.
• Ability to work independently in a deadline-driven environment.
• Proficient in Microsoft Excel and other Office applications.

Nice To Have Qualifications:
• Experience working with bankruptcy trustees and courts.
• Knowledge of investor guidelines (Fannie Mae, Freddie Mac, FHA, VA).
• Strong analytical and reconciliation skills.
• Excellent communication and interpersonal skills.

Ready to join thousands of talented team members who are making the dream of home ownership possible for more Americans? It’s all happening on UWM’s campus, where our award-winning workplace packs plenty of perks and amenities that keep the atmosphere buzzing with energy and excitement.

 

It’s no wonder that out of our six pillars, People Are Our Greatest Asset is number one. It’s at the very heart of how we treat each other, our clients and our community. Whether it’s providing elite client service or continuously striving to improve, our pillars provide a pathway to a more successful personal and professional life.

 

From the team member that holds a door open to the one that helps guide your career, you’ll feel the encouragement and support on day one. No matter your race, creed, gender, age, sexual orientation and ethnicity, you’ll be welcomed here. Accepted here. And empowered to Be You Here.

 

More reasons you’ll love working here include:

• Paid Time Off (PTO) after just 30 days
• Additional parental and maternity leave benefits after 12 months
• Adoption reimbursement program
• Paid volunteer hours
• Paid training and career development
• Medical, dental, vision and life insurance
• 401k with employer match
• Mortgage discount and area business discounts
• Free membership to our large, state-of-the-art fitness center, including exercise classes such as yoga and Zumba, various sports leagues and a full-size basketball court
• Wellness area, including an in-house primary-care physician’s office, full-time massage therapist and hair salon 
• Gourmet cafeteria featuring homemade breakfast and lunch
• Convenience store featuring healthy grab-and-go snacks
• In-house Starbucks and Dunkin
• Indoor/outdoor café with Wi-Fi

All the above duties and responsibilities are essential job functions subject to reasonable accommodation and change. All job requirements listed indicate the minimum level of knowledge, skills and/or ability deemed necessary to perform the job proficiently. Team members may be required to perform other or different job-related duties as requested by their team lead, subject to reasonable accommodation. This document does not create an employment contract, implied or otherwise. Employment with UWM is "at-will." UWM is an Equal Opportunity Employer. By selecting “Apply for this job online” you provide consent to UWM to record phone call conversations between you and UWM to be used for quality control purposes.