Bookkeeper

Our Client is a revolutionary lender connecting builders with the capital needed to start and complete residential home building projects.

Founded in 2014, our client has positioned itself in a unique space between traditional construction lending and private funding. They utilize a proprietary technology to bridge the gap between the lender and the builder, and ensure payments to subcontractors and suppliers are timely, secure, and accurate.

Our Client is seeking a detail-oriented and experienced Bookkeeper to join their dynamic lending company. The Bookkeeper will be responsible for maintaining accurate financial records, processing daily transactions, and supporting the company's accounting operations in a fast-paced lending environment. This role plays a critical part in ensuring precise tracking of loan-related finances, escrow accounts, payments, and general company operations while complying with regulatory standards in the mortgage industry.

Key Responsibilities

• Record and classify daily financial transactions, including loan origination fees, servicing income, interest, principal payments, and operating expenses, using accounting software (e.g., QuickBooks, Encompass, or similar mortgage servicing platforms).
• Process accounts payable and accounts receivable, including vendor invoices, contractor payments, marketing expenses, and borrower-related fees.
• Reconcile bank statements, credit card accounts, general ledger accounts, and escrow/trust accounts on a monthly basis to ensure accuracy and identify discrepancies.
• Monitor daily cash activity and balances across multiple accounts; track and reconcile fund disbursements
• Prepare and post journal entries for loan disbursements, funding, payoffs, and adjustments.
• Generate regular financial reports, including profit and loss statements, balance sheets, cash flow summaries, and loan portfolio summaries for management review.
• Support month-end and year-end closing processes, including accruals, prepaid expenses, and fixed asset depreciation.
• Maintain organized documentation for audits, regulatory examinations, and tax preparation (e.g., filing supporting receipts, invoices, and loan documents).
• Collaborate with loan officers, processors, underwriters, and funding teams to resolve accounting-related questions and ensure timely and accurate financial data.
• Ensure compliance with company policies, GAAP principles, and relevant mortgage industry regulations (e.g., RESPA, TILA, state licensing requirements).
• Identify and resolve discrepancies in financial records promptly.
• Track interest accruals and fees and ensure interest and fee invoices are accurately prepared, issued and collected

Qualifications & Requirements

• High school diploma or equivalent required; Associate's or Bachelor's degree in Accounting, Finance, Business, or related field preferred.
• 2+ years of bookkeeping or accounting experience, preferably in mortgage lending, real estate, financial services, or a related industry.
• Strong knowledge of accounting principles and practices.
• Experience with mortgage loan accounting (e.g., payment application, escrow management, loan servicing) is highly desirable.
• Proficiency in accounting software such as QuickBooks, Xero, Sage, or mortgage-specific platforms (e.g., Black Knight, FIS, Encompass); advanced Excel skills required.
• Excellent attention to detail and accuracy with strong organizational and time-management abilities.
• Ability to handle confidential financial information with discretion.
• Strong analytical and problem-solving skills.
• Effective communication skills, both written and verbal.

Preferred Skills

• Familiarity with mortgage industry regulations and compliance requirements.
• Experience reconciling escrow accounts and preparing escrow analyses.
• Knowledge of loan servicing, investor reporting, or secondary market operations.
• Certification such as Certified Bookkeeper (CB) from AIPB or similar is a plus.