Staff Accountant

Company Description HomeXpress – Your Leading Non-QM Mortgage Lender. Join our growing team and be part of the Top Non-QM Lender in the Business. We are known for closing mortgage loans with speed, ease, and convenience.

Licensed in 46 States, we provide brokers with a full suite of mortgage products, including VA, FHA, & FHLMC. If you have a service first mentality and thrive in a fast-paced environment, HomeXpress is the place for you. Join us as we continue to grow and expand our business to the Non-Delegated Correspondent Channel!

Job Description Job Description Position Name: Staff Accountant Department:  Accounting / Finance Reports To:  Accounting Manager or Controller Position

Summary

The Staff Accountant plays a key role in supporting accounting and financial reporting processes for mortgage loan origination, interim servicing, and loan sale activities.

Responsibilities

include journal entries and reconciliations for loan-level accounting and gain-on-sale recognition as well as general support of the close process. This is not a typical Staff Accountant role. It’s an opportunity for someone who is eager to learn, wants to take on new challenges, and wants to gain exposure to high-impact initiatives early in their career.

With our recent acquisition by a public company, this position offers hands-on experience with public company reporting and structure, including involvement in 10-K and 10-Q processes. This role will also provide direct exposure to the first-year implementation of SOX compliance, offering invaluable experience in internal controls. Additionally, the team will be rolling out FloQast, giving the candidate the opportunity to build future-ready skills in close automation and AI-driven accounting tools.

The ideal candidate demonstrates strong analytical skills, precision, and the ability to manage and reconcile large, complex datasets.

Key Responsibilities

Loan-Level Accounting and LHFS Activity

• Record daily loan-level activity, including fundings, sales, and payoffs.
• Reconcile loan-level data from the loan origination system (LOS) to accounting records.
• Investigate and resolve discrepancies between loan-level activity and general ledger balances.
• Prepare and record estimated interest accruals. Loan Sale Settlement Accounting
• Record journal entries associated with:
• Origination fees and costs
• Loan sale proceeds, gain-on-sale recognition, and fair value adjustments for loans held for sale Warehouse Line and Funding Accounting
• Record and reconcile activity related to warehouse lines of credit, including loan fundings, paydowns, and interest.
• Reconcile warehouse line balances to lender statements and internal loan funding records.
• Assist with tracking loan funding activity and ensuring accurate accounting for warehouse borrowings. Data Analysis and Reconciliations (Excel)
• Analyze large loan-level datasets using advanced Excel functions (e.g., pivot tables, XLOOKUP, VLOOKUP).
• Ensure traceability between loan-level system data, supporting schedules, and the general ledger. Financial Close and Reporting
• Support monthly and quarterly close processes, including journal entries, reconciliations, and supporting schedules.
• Prepare and maintain account reconciliations.
• Provide variance analysis and explanations related to assigned accounts. Audit and Compliance Support
• Prepare workpapers and supporting documentation for internal and external audits.
• Assist in responding to audit requests related to mortgage loan accounting activity.
• Maintain organized documentation supporting accounting conclusions and journal entries.

Qualifications

Education

• Bachelor’s degree in Accounting, Finance, or a related field. Experience
• 1–3 years of accounting experience, preferably in:
• Mortgage banking
• Financial services
• Loan accounting or loan operations
• Experience working with loan-level transactional data preferred. Technical Skills
• General Microsoft Excel proficiency required, including:
• Pivot tables
• VLOOKUP / XLOOKUP
• Data reconciliation techniques
• Experience with general ledger or ERP systems.
• Familiarity with loan origination systems (LOS) or mortgage servicing systems is a plus. Core Competencies
• Strong attention to detail and analytical ability
• Ability to work with large datasets and complex reconciliations
• Strong organizational and documentation skills
• Ability to meet deadlines in a fast-paced mortgage banking environment and take ownership of assigned responsibilities
• Effective communication and collaboration skills Additional Information All your information will be kept confidential according to EEO guidelines.