Default Analyst - Bankruptcy

About Valon: Valon is building the AI-native operating system for regulated finance, starting with mortgage servicing. We're a Series C company backed by a16z, transforming industries that others have written off as too complex to innovate. ValonOS is our unified platform that makes every process structured and programmable.

About the Role: The Bankruptcy Specialist is responsible for monitoring and managing bankruptcy loans throughout the lifecycle of the case, with a focus on oversight, quality control, and coordination with bankruptcy counsel. This role ensures that all bankruptcy-related activities are completed in accordance with regulatory requirements, investor guidelines, and company procedures. You will partner closely with internal teams and external counsel to ensure timely and accurate case progression, while identifying risks, resolving exceptions, and maintaining compliance.

Responsibilities

• Monitor bankruptcy loans throughout the lifecycle to ensure timely progression and compliance of all chapters.
• Manage a pipeline of bankruptcy loans, prioritizing tasks to meet required timelines.
• Oversee and coordinate activities performed by bankruptcy counsel.
• Track and enforce attorney timelines and service level expectations (SLAs).
• Review and validate key filings, including Proofs of Claim and Motions for Relief.
• Perform quality control reviews to ensure accuracy of attorney actions and loan treatment.
• Identify and escalate risks, delays, or compliance concerns to appropriate stakeholders.
• Handle client-specific requirements and exception-based bankruptcy cases.
• Maintain accurate loan data and ensure proper system updates related to bankruptcy activity.

Qualifications & Ideal Background

• 4–6 years of experience in mortgage servicing or default servicing within a servicer or sub-servicer environment.
• Hands-on experience managing bankruptcy loans across all chapters within a servicing platform.
• Strong understanding of how bankruptcy impacts loan servicing, including payment application, status management, and lifecycle progression.
• Demonstrated end-to-end ownership of bankruptcy loan handling, not limited to a single function or siloed role.
• Experience working in a high-volume, process-driven environment with defined timelines and SLAs.
• Experience coordinating with external partners, such as attorneys or vendors, from a servicing perspective.
• Strong problem-solving, critical thinking skills, and ability to identify, assess, and escalate risk appropriately.
• Proficiency in Excel, Google Workspace, or similar tools for tracking, reporting, and data management.
• High school diploma or GED required.

Benefits

• Compensation: competitive salary ($51K - $69K + Commission) and 401k plan.
• Health & well-being: comprehensive medical, dental, & vision benefits.
• Food & meals: in-office snacks and drinks, and Bagel Fridays.
• Commuter benefits: pre-tax deductions for public transportation and parking expenses.
• 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.