Unlock’s mission is to unleash the power of home equity to enrich people’s lives. We do this through a financial solution called a Home Equity Agreement or HEA, an entirely new way to access and utilize home equity. We’re not a lender, so there are no interest charges or monthly payments and homeowners with poor credit or high levels of debt can still qualify. We're beyond passionate about helping our customers build greater financial resiliency. We are mission driven, consumer centric and our products are designed for the way homeowners want to live their lives today - with flexibility and control.
The Securitization Accounting Manager role is responsible for ensuring the accuracy, completeness, and timeliness of all accounting and financial reporting activities related to the company’s servicing operations. This includes asset-level cash flow reconciliation, custodial account management, investor reporting support, and compliance with GAAP and regulatory standards. This position serves as the key liaison between Accounting, Servicing, Investment Operations, Treasury, and Capital Markets to ensure data integrity across systems and timely financial close processes.
What you'll do- Manage daily and monthly asset-level reconciliations between servicer reports, custodial bank accounts, and the general ledger.
- Record servicing-related journal entries, including cash receipts, remittances, servicing fees, advances, and investor payments.
- Partner with Servicing and Treasury to investigate and resolve reconciling items or cash discrepancies.
- Prepare and review monthly account reconciliations for custodial, P&I, T&I, and corporate accounts.
- Assist with month-end close and financial statement preparation for servicing-related accounts, ensuring compliance with GAAP.
- Maintain servicing-related schedules, including servicing fee income, and retained MSRs (if applicable).
- Support internal and external audit requests and assist in implementing SOX and internal control processes.
- Collaborate with the Servicing and Capital Markets teams to support securitization or asset sale settlements.
- Develop and enhance reporting tools and process automation for improved efficiency and accuracy.
- Prepare and deliver monthly reports on collections, remittances, and master servicing rights, ensuring accuracy and timeliness to support strategic decisions by internal teams and external stakeholders, including potential investors and market participants
- Assist with special projects, system implementations, and ad-hoc financial analyses.
- Bachelor’s degree in Accounting, Finance, or a related field required; CPA or CPA-track preferred.
- 3–7 years of accounting experience within mortgage servicing, loan operations, or financial services.
- Must have experience with securitization.
- Strong understanding of U.S. GAAP and servicing-related accounting concepts (advances, custodial cash, investor remittance).
- Experience with loan subservicing platforms (e.g., MSP, LoanServ, or equivalent) and ERP/general ledger systems (e.g., NetSuite, Workday, Oracle).
- Strong analytical and reconciliation skills with high attention to detail.
- Proficient in Excel; experience with SQL or data-visualization tools a plus.
- Proven ability to collaborate cross-functionally and manage competing priorities in a fast-paced environment.
- Dynamic and inclusive work environment that fosters innovation and growth
- Competitive compensation package
- Ongoing professional development and career advancement opportunities
- Flexible work arrangements and a strong emphasis on work-life balance
Target base compensation is $105,000 - $115,000 annually. Actual base salary varies based on factors, including but not limited to, relevant skill, prior experience, education, base salary of internal peers, demonstrated performance, and geographic location. Additionally, Unlock's Total Rewards package is highly competitive, designed to support your success at work, at home, and at play – such as 401K matching, health benefits, employee stock options and paid time off.
Unlock is an equal opportunity employer. We evaluate qualified applicants without regards to race, color, religion, national origin, age, sex, marital status, ancestry, physical or mental disability, veteran status, sexual orientation, gender identity or other protected status under all applicable laws, regulations, and ordinances.
Top Skills
What We Do
Unlock helps everyday American homeowners that have been left behind by the traditional home and finance system. While there are many ways to tap home equity, a home equity agreement (HEA) from Unlock is unique because it was designed to help families solve their financial challenges, and in doing so help them live more successful financial lives
