Cash Lockbox ACH Analyst

The Lockbox Analyst is responsible for the accurate and timely processing, reconciliation, and reporting of mortgage payments received through lockbox services. This role ensures all payments are correctly posted to customer accounts in accordance with company policies and regulatory requirements, working closely with treasury, servicing, and bank partners to resolve discrepancies and maintain high standards of data integrity.

This position is 100% on-site in Pontiac, Michigan.

• Monitor daily lockbox files and validate that mortgage payments have been received and properly processed.
• Review and post payments to customer accounts in the servicing system, ensuring accuracy in application (e.g., principal, interest, escrow).
• Investigate and resolve payment exceptions, returned items, and misapplied funds.
• Reconcile lockbox activity against bank reports and internal accounting records.
• Collaborate with IT, treasury, and bank partners to troubleshoot file transmission errors or payment discrepancies.
• Research and respond to internal and external inquiries related to payment posting and lockbox exceptions.
• Prepare daily, weekly, and monthly reports on lockbox activity, exceptions, and trends.
• Ensure compliance with regulatory requirements (e.g., CFPB, RESPA) and internal servicing guidelines.
• Recommend process improvements to enhance lockbox efficiency and reduce errors.
• Support audits and examinations by providing documentation and explanations of lockbox processes and transactions.

• Associate’s or Bachelor’s degree in Finance, Accounting, Business, or related field preferred.
• 2+ years of experience in mortgage servicing, treasury operations, or lockbox processing.
• Experience working with mortgage servicing systems (e.g., MSP, Loan Serv, Black Knight) is a plus.
• Strong attention to detail and analytical skills.
• Excellent organizational and time management abilities.
• Proficiency in Microsoft Excel and other MS Office applications.
• Working knowledge of lockbox operations and banking systems.
• Strong problem‑solving skills with a customer service mindset.
• Ability to work independently and collaboratively in a fast‑paced environment.

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.

• 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.

Entry level

Full‑time

Customer Service