Lima One Capital is seeking an Escrow Analyst III who will serve as a senior-level subject matter expert responsible for complex escrow administration, risk management, vendor oversight, exception resolution, and operational process improvement related to tax and insurance tracking and disbursements. This role partners closely with servicing operations, compliance, technology, and vendor partners to ensure the accurate and timely administration of escrow accounts while supporting strategic initiatives that improve performance, quality, controls, and customer experience.

Responsibilities

• Review escrow tax and insurance setup on newly boarded loans to ensure accuracy and compliance.
• Process and reconcile tax disbursements, insurance premium payments, and escrow transactions accurately and within established service levels.
• Perform annual and ad hoc escrow analyses, validating data integrity and identifying discrepancies requiring correction.
• Ensure loan, tax, and property information remains accurate across all internal and vendor systems.
• Monitor delinquent taxes, insurance exceptions, shortages, surpluses, and escrow-related risks.
• Identify trends in escrow exceptions and recommend corrective actions to reduce recurring issues.
• Serve as the primary point of contact for tax, insurance, and escrow-related issues by conducting detailed research and analysis for complex escrow issues and escalated customer concerns.
• Monitor tax service vendors, insurance providers, and other third-party partners to ensure compliance with service-level expectations.
• Perform root cause analysis on operational defects, audit findings, vendor issues, and customer-impacting events.
• Identify manual, repetitive, or high-risk processes suitable for automation.
• Partner with management and technology teams to validate system enhancements, perform user acceptance testing (UAT), and ensure successful implementations.
• Create, maintain, and enhance departmental policies, procedures, job aids, and training materials.
• Assist management with strategic planning, operational reviews, and other special projects as assigned.

• 5+ years of mortgage servicing, servicing operations, or related financial services experience is required.
• Bachelor’s Degree in Finance or related field is preferred.
• Experience handling complex escrow analysis, tax and insurance payment reconciliations, exception management, and escalated issue resolution is preferred.
• Experience participating in process improvement, business transformation, system implementation, or automation initiatives is preferred.
• Strong analytical thinking and critical problem-solving skills with the ability to identify root causes and implement long-term solutions.
• Advanced proficiency in Microsoft Excel, including PivotTables, Power Query, advanced formulas, and data analysis techniques.
• Experience with reporting tools such as Snowflake and Tableau, or similar business intelligence platforms preferred.
• Strong project management and organizational skills with the ability to manage multiple priorities and deadlines.
• Excellent verbal and written communication skills with the ability to present findings and recommendations to leadership.
• Strong attention to detail and commitment to data accuracy.
• Strong customer service mindset focused on delivering positive outcomes for internal and external stakeholders.
• Ability to work independently with minimal supervision.

What We Offer

Industry Leading Benefits: 

• Medical, Dental and Vision Insurance 
• Life Insurance, Short-Term Disability, and Long-Term Disability
• Hospitalization and Accidental Insurance
• Flexible Spending Accounts – Health and Dependent Care
• Health Savings Account
• Safe Harbor 401K with company match
• Growing Families Support (including paid parental leave, infertility support and assistance, childcare reimbursement, and elder care)
• Pet Insurance

Work Life Balance: 12 paid time off days and 5 sick days, in addition to 12 paid holidays – that’s about a month of time to rest, relax, and recharge every year.

Career Development: We prioritize the growth and success of our team members. You'll benefit from continuous learning opportunities, dedicated mentorship, and the chance to refine your skills and advance your career.

New Headquarters: Join us in our brand new, thoughtfully designed office in the heart of Downtown Greenville (parking is paid for!)

Why Lima One?

At Lima One Capital we’re relentlessly focused on a simple but powerful goal: to be the nation’s premier lender for real estate investors. Inspired by that vision, every member of our team is driven by our mission to create opportunities for our customers and employees by educating, empowering, and financing real estate investors who are building, improving, and stabilizing their neighborhoods and communities nationwide.

• Loans Funded: $10+ billion in loans funded, 30k loans closed since 2010
• Geography: 46 states + D.C. where we revitalize neighborhoods
• Employees: ~250 employees with competitive benefits and perks
• Stability: Backed by the immense resources of MFA Financial, a publicly traded mortgage REIT with 25 years of proven success 
• Veteran Founded: Founded by 2 US Marine Corps veterans, we proudly approach every deal and decision with grit, determination, boldness, and integrity 

Recognized by the Inc.5000 as one of America’s fastest growing companies, Lima One specializes in providing real estate investors with financing for their rental, fix-and-flip, and new construction projects. The company is distinguished as one of South Carolina’s Best Places to Work and Top Workplaces. Lima One is headquartered in downtown Greenville, South Carolina. Learn more about us at limaone.com. 

Lima One Capital does not sponsor H1B Visas. To be considered for employment, a candidate must be authorized to work in the United States for any employer and not require sponsorship, now or in the future.

Notice to Third Party Recruiters and Agencies

Lima One Capital does not accept unsolicited resumes or candidate submissions from recruiters or employment agencies. In the absence of a fully executed agreement for a specified position, Lima One Capital has no obligation to pay any referral compensation or recruiter fee. In the event a recruiter or agency submits a resume or candidate without an agreement, Lima One Capital explicitly reserves the right to pursue and hire those candidate(s) without any financial obligation to the recruiter or agency. Any unsolicited resumes, referrals, or candidate submissions, including those communicated to a member of the Human Resources team or a hiring manager, shall be deemed the property of Lima One Capital. If you or your agency would like to be considered as a future recruiting partner, please email employment@limaone.com (Subject: Agency Partner Request).