Claims & Recovery Analyst

Position Summary

The Claims & Recovery Analyst is responsible for maximizing financial recoveries on defaulted mortgage loans through the accurate, timely, and compliant administration of mortgage insurance, investor, guarantor, and agency claims. This position serves as the operational owner of the claims lifecycle, ensuring every eligible reimbursement opportunity is identified, calculated accurately, submitted within required time frames, and collected in full. The role performs detailed audits of delinquent, bankruptcy, foreclosure, REO, and loss mitigation loan files;

validates loss analyses; prepares and files initial, supplemental, and appealed claims; and works proactively to resolve claim deficiencies, denials, curtailments, and payment discrepancies.

In addition to claims administration, the Claims & Recovery Analyst serves as a key driver of operational excellence by auditing internal and third-party vendor work, identifying recovery opportunities, reducing claim cycle times, improving claim quality, and strengthening compliance with investor, insurer, agency, and regulatory requirements.

This position partners closely with Default, Foreclosure, Bankruptcy, Loss Mitigation, REO, Accounting, Investor Reporting, and third-party vendors to ensure claims are processed efficiently, recoveries are maximized, timelines are consistently improved, and all servicing activities support Bright Shore’s commitment to operational excellence, financial stewardship, and exceptional client service.

Success in this role is measured not only by the accurate preparation and timely filing of claims, but also by increasing recovery rates, reducing claim aging, minimizing denials and curtailments, improving vendor performance, identifying process improvements, leveraging automation opportunities, and continuously enhancing the overall effectiveness of Bright Shore’s claims and recovery operations. This role requires strong analytical skills, attention to detail, sound judgment, ownership, and a continuous improvement mindset focused on protecting Bright Shore’s financial interests while maintaining the highest standards of quality, compliance, and servicing excellence.

• Analytical Decision Making:
  Evaluates complex loan files, financial data, investor guidelines, and supporting documentation to make sound, accurate, and timely claim decisions.
• Attention to Detail:
  Maintains exceptional accuracy while reviewing loan documentation, calculating claim amounts, auditing vendor work, and validating recoverable expenses.
• Claims & Recovery Expertise:
  Demonstrates strong knowledge of mortgage insurance, investor, agency, and guarantor claim requirements while maximizing financial recoveries and ensuring regulatory compliance.
• Continuous Improvement:
  Identifies opportunities to improve workflows, eliminate bottlenecks, reduce claim cycle times, increase automation, and enhance operational efficiency.
• Quality Focus:
  Consistently delivers complete, accurate, and compliant work while maintaining high standards for documentation, calculations, and claim submissions.
• Vendor Performance Management:
  Holds third-party vendors accountable for service levels, turnaround times, quality expectations, and compliance requirements while fostering productive business relationships.
• Financial Stewardship:
  Protects Company assets by ensuring all eligible recoveries are pursued, allowable expenses are captured, payment discrepancies are investigated, and reimbursement opportunities are maximized.
• Problem Solving:
  Researches complex claim issues, denials, curtailments, payment variances, and operational challenges to identify root causes and implement effective solutions.
• Planning & Organization:
  Effectively manages competing priorities, large claim inventories, regulatory deadlines, and multiple work streams while consistently meeting service level expectations.
• Communication:
  Communicates professionally and effectively with investors, insurers, vendors, attorneys, auditors, and internal business partners through clear written and verbal communication.
• Collaboration:
  
  Works effectively across Default, Foreclosure, Bankruptcy, Loss Mitigation, REO, Accounting, Investor Reporting, Compliance, and Servicing Operations to achieve common business objectives.
• Ownership & Accountability:
  Takes personal responsibility for assigned portfolios, follows issues through final resolution, meets commitments, and proactively addresses risks before they impact recoveries.
• Adaptability:
  Quickly responds to changing investor requirements, regulatory updates, technology enhancements, and business priorities while maintaining productivity and quality.
• Technology & Automation Mindset:
  Leverages servicing systems, reporting tools, workflow technology, and automation opportunities to improve productivity, reporting accuracy, and operational scalability.
• Professionalism & Integrity:
  Demonstrates sound judgment, maintains confidentiality, conducts business ethically, and…