Pre-Foreclosure Associate

About the Company

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Andreessen Horowitz (a16z) and managing over $130 billion in loans, we’ve built our platforms from the ground up—not on outdated legacy systems—so homeowners, lenders, and investors experience greater transparency, efficiency, and care.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.

Default Servicing at Valon

The Default Servicing team manages all default-related processes and resolves mortgage loans that are in default. The team is crucial to Valon and the broader mortgage ecosystem, as it helps prevent foreclosures and minimize losses for investors. Homeowner transparency and financial literacy is always focal point to our people, process, and product and we strive to help homeowners who need additional support to keep their dream of homeownership alive.

About the Role

The Pre-Foreclosure Associate plays a key supporting role within the Default Services team, focusing on the accurate preparation and maintenance of pre-foreclosure files. This position is responsible for assisting with foundational pre-foreclosure activities, including building pre-review foreclosure folders, compiling required documentation from internal systems, and ensuring data accuracy throughout the process.

Key responsibilities include organizing loan documentation, manually entering property inspection results, and supporting the tracking of loans within the pre-foreclosure pipeline. The clerk helps ensure files are complete and aligned with internal procedures, regulatory requirements, and investor guidelines prior to review. This role works closely with internal teams to resolve missing documentation and escalates issues as needed.

This position is ideal for a detail-oriented and process-driven individual looking to build experience in default servicing. Success in this role requires strong organizational skills, attention to detail, and the ability to follow structured workflows in a compliance-focused environment while supporting overall team efficiency.

Responsibilities

• Supports the preparation of pre-foreclosure files by building pre-review foreclosure folders, compiling required documents from the Service Console and other internal systems

• Assists in ensuring foreclosure files are complete, properly documented, and ready for review in accordance with internal procedures and investor guidelines

• Manually enters property inspection results and other loan-level updates into servicing systems with a high degree of accuracy

• Performs routine daily follow-ups on assigned tasks, including tracking document completion and status updates

• Assists with breach processing activities, including preparing and reviewing breach notice documentation for completeness

• Supports foreclosure referral preparation by organizing required documents and identifying missing items for escalation

• Utilizes system of record, vendor tracking tools, and reporting dashboards to update and monitor assigned loans in the pre-foreclosure pipeline

• Maintains and images foreclosure-related documents in a timely and organized manner to ensure audit readiness

• Communicates with internal teams to resolve documentation gaps or obtain missing information

• Escalates discrepancies, missing documentation, or potential compliance concerns to senior team members or management

• Ensures tasks are completed in alignment with established timelines, SLAs, and compliance requirements

• Performs other duties and special projects as assigned

Minimum Qualifications

• 1–2 years of experience in mortgage servicing, default servicing, foreclosure, or a related operational or clerical role

• Basic understanding of pre-foreclosure processes, documentation, and timelines

• Familiarity with regulatory and investor guidelines (FHA, VA, Fannie Mae, Freddie Mac preferred but not required)

• Working knowledge of foreclosure-related compliance requirements, including exposure to CFPB guidelines and FDCPA concepts

• Strong data entry skills with a focus on accuracy and attention to detail

• Basic proficiency in Microsoft Word, Outlook, and Excel

• Ability to follow defined processes and procedures in a compliance-driven environment

• Strong organizational skills with the ability to manage multiple tasks in a fast-paced setting

• Ability to identify inconsistencies and escalate issues appropriately

• High school diploma or equivalent required

Ideal Background

• Demonstrates strong attention to detail and accuracy in document compilation and data entry tasks

• Works effectively as part of a team, supporting senior staff and contributing to overall workflow efficiency

• Communicates clearly and professionally with internal stakeholders

• Shows a willingness to learn foreclosure processes, compliance requirements, and servicing systems

• Proactively follows up on assigned work to ensure timely completion

• Maintains organized records and documentation to support audits and reviews

• Adapts to process updates and incorporates feedback to improve performance

• Supports team goals by completing tasks efficiently and in compliance with company and regulatory standards

What we offer

• Compensation: competitive salary and participation in our 401k plan

• Health & well-being: we’ll invest in your physical and mental well-being with comprehensive medical, dental, & vision benefits, One medical membership, and Talkspace to provide mental health support

• Food & meals: in-office snacks and drinks, Bagel Fridays

• 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

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.