Senior Loan Accountant

Zippy was founded with one mission: to make getting a loan for a manufactured home simple, fast, and fully online. We believe modern manufactured homes are affordable, well-built, eco-friendly, and stylish, but finding a lender who understands this market can be challenging. That’s why Zippy focuses exclusively on manufactured home loans, offering a seamless, digital experience.

Headquartered in Dallas, TX, with an office in Tempe, AZ, Zippy provides home loans and insurance to manufactured home buyers throughout the United States. Our remote-first team is spread across cities like Dallas, Houston, Knoxville, Omaha, Philadelphia, Phoenix, and several other states and cities. Backed by institutional investors, we offer competitive pay, stock options, and excellent benefits. At Zippy, we pride ourselves on our commitment to finance happiness through the power of home. We are dedicated to enhancing consumers' financial outcomes and tackling the affordable housing crisis through cutting-edge technology and innovative solutions.

The Role

We are seeking a Senior Loan Accountant to become a key member of our Loan Accounting function. This is not a traditional corporate accounting role. Instead, this position sits at the intersection of loan servicing, accounting, investor reporting, and serves as a functional SME for loan subledger integrity and escrow/T&I accounting.

This individual will work closely with the Servicing team and be responsible for monitoring activity within our loan servicing system (FICS), ensuring accuracy of loan-level transactions, and confirming proper reconciliation to the general ledger. This person will own critical loan accounting processes from end to end — most notably all functions related to Taxes & Insurance (T&I)/escrows — and will play a central role in building structure, accountability, and process discipline.

Key Responsibilities:

• Monitor and proactively validate loan-level transactions within FICS for completeness and accuracy using defined QA checks, exception thresholds, and documented evidence standards.

• Partner with the Servicing team to research, resolve, and correct discrepancies by owning exceptions, remediation process, and recurrence prevention.

• Ensure servicing system activity ties back accurately to the general ledger through routine subledger-to-GL tie-outs (principal, interest, fees, escrow) and documented variance investigation/resolution.

• Own the end-to-end T&I (escrow) process including tracking, reconciliations, and exception management including shortage/surplus handling and disbursement controls.

• Develop and document clear procedures for escrow accounting and oversight

• Reconcile escrow-related activity to the GL and investigate variances to closure, with root-cause documentation and control improvements for repeat variance drivers.

• Own and drive month-end close activities related to loan portfolios for assigned areas (escrow/T&I, servicing subledger tie-outs), including close calendar adherence, deliverable quality, and audit-ready support.

• Perform and document GAAP-related accounting analysis for loan servicing-related topics as needed, serving as a functional SME input to the Director/Controller

• Support the director with preparation, quality control, and continuous improvement of investor reporting packages, including data integrity checks and tie-outs to source systems and the GL.

• Identify control gaps and implement process improvements as an owner: propose solutions, influence how work is done, and drive adoption across stakeholders.

• Operate independently in a remote-first environment with strong accountability by structuring day-to-day priorities, reporting progress on a regular cadence, and taking accountability for outcomes with limited supervision.

• Own recurring “escrow health” reporting (aged escrow items, pending disbursements, negative escrow, unreconciled cash) and drive action with Servicing to resolve borrower-impacting issues.

• Establish and maintain audit-ready documentation for key controls (reconciliations, approvals, exception logs, evidence retention) and support internal/external audits with minimal rework.

• Provide moderate guidance/coaching to lower-level professionals and set a standard for communication and cross-functional collaboration within the loan accounting workflow.

Desired Mentality:

• Self-starter who thrives in an unstructured, high-growth environment and can create structure where none exists.

• Strong ownership mindset and ability to build processes from scratch including influencing adoption across stakeholders.

• Highly detail-oriented with strong analytical and reconciliation skills and strong judgement on materiality, prioritization, and escalation.

• Collaborative partner to Servicing and internal stakeholders who sets a standard for clear, timely communication and documentation.

• Comfortable rolling up sleeves and diving into loan-level detail while also stepping back to identify systemic fixes.

• Passion for creating streamlined, scalable processes and implementing solutions to a wide range of complex and novel problems.

• Able to operate with limited supervision and expand expertise in loan accounting and investor reporting while providing moderate guidance to lower-level professionals.

Qualifications:

• Bachelor’s degree in Accounting or Finance preferred (may substitute with significant relevant experience).

• 5+ years of experience in loan accounting, lending operations, or servicing-related accounting with demonstrated success owning reconciliations/controls and driving process improvements.

• Experience working with loan servicing systems (FICS experience a plus) and demonstrated ability to tie servicing subledger activity to the GL with defensible support.

• Strong understanding of loan accounting concepts including principal, interest, escrow/T&I, advances, and reconciliations including end-to-end break investigation and resolution.

• Deep understanding of escrow accounting required (or demonstrably equivalent experience owning escrow/T&I processes at scale).

• ·Background in mortgage, chattel, or other lending environments preferred with comfort navigating investor/partner reporting expectations.

• Familiarity with GAAP principles as they relate to loan accounting

• Advanced Excel skills required

• Strong written and verbal communication skills with ability to set the standard for cross-functional collaboration and documentation.

• Demonstrated ability to provide moderate guidance to lower-level professionals (peer coaching, review, training) without formal people management.

• CPA not required.

Join Our Team!

By strengthening our Loan Accounting function, you will bring structure and accuracy to a rapidly growing loan portfolio, improve visibility across servicing and accounting functions, support institutional-quality investor reporting, and help expand access to affordable homeownership nationwide.

Important Applicant Information

• While many of our interviews are conducted virtually, all applicants should be prepared to potentially meet in person as part of the process.

• As a participating employer, we will use E-Verify to confirm employment eligibility.

• Please note that we are currently only hiring candidates who reside in the following states: Arizona, Connecticut, Florida, Georgia, Illinois, Indiana, Louisiana, Maryland, Michigan, Missouri, Montana, Nebraska, Nevada, New York, North Carolina, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas, Utah, and Wisconsin. Applicants that do not reside in the bolded states will be rejected.

Total Rewards

At Zippy, we're passionate about creating a workplace where people love to work. We put a lot of heart into building and nurturing a company culture that not only supports our team but also inspires them to do their best work.

Our benefits and perks are always evolving, but here’s what we offer right now:

• Competitive Compensation: We offer a competitive salary with the potential for annual bonuses and variable pay, depending on your skills and experience.

• Equity for All: As a part of our commitment to shared success, all employees receive equity in the company, allowing you to share in the growth and achievements of Zippy.

• Remote Work: Enjoy the flexibility of working from home in a dynamic, remote-first environment.

• Comprehensive Health Coverage: We provide medical, dental, and vision insurance, along with company-subsidized benefits like STD, LTD, and life insurance for you and your family.

• Flexible Spending Accounts: Take advantage of medical & dependent care FSAs to help manage your expenses.

• Training & Licensing Support: We invest in your professional growth with resources for training and licensing.

• Paid Time Off: We offer generous PTO—and we encourage you to use it!

• Wellbeing Programs: Access a variety of wellbeing resources, including Headspace, Gympass+, Fetch, Spring Health, SoFi, Perkspot, Ladder, and more through our Sequoia Wellbeing Programs.

• Parental Leave: We provide paid parental leave to support you and your growing family.

• No Meeting Wednesdays: Enjoy a mid-week break from meetings to focus and recharge.

• Vibrant Slack Community: Engage with colleagues in our lively remote Slack community, featuring fun channels that connect people around shared interests like travel, pets, sports, food, and more.

• Career Growth: We believe in promoting from within, offering you opportunities to grow your career with us.

Beyond the tangible benefits:

• Core Values: At the heart of everything we do are our core values: Lead with Passion, Own It, Build a Better Way, Results Driven, and The Golden Rule. These values guide our decisions, shape our culture, and inspire us to achieve our best every day.

• Join a Growing Team: Be part of a dynamic team at a pivotal moment in Zippy’s growth, where every contribution makes a significant impact.

• Innovative Work: Collaborate with sharp, passionate teammates to tackle unique challenges in the Manufactured Housing market, positioning our product as a top-tier lending solution.

• Supportive Culture: You’ll be welcomed into a collaborative environment that fosters camaraderie, respect, and a deep sense of belonging.

• Diversity & Inclusion: We’re committed to empowering a diverse and inclusive workforce, celebrating our differences, and ensuring everyone feels safe to bring their whole selves to work.

• Inspirational Leadership: Work alongside leaders who are not only approachable but also dedicated to providing guidance, mentorship, and support to help you succeed.

• Meaningful Impact: Be part of a mission-driven team that’s making housing more affordable for everyone, helping prospective buyers secure fast and simple online loans to purchase manufactured homes. By joining Zippy you will help improve the lives of over 22 million Americans who live in manufactured homes today.

Zippy is an equal opportunity employer that is committed to diversity and inclusion. We do not discriminate based on race, color, national origin, religion, gender, gender expression, sexual orientation, age, veteran status, disability status, or marital status. If you are excited about the role but do not meet 100% of the qualifications listed above, we encourage you to apply. Nothing in this job posting should be construed as an offer or guarantee of employment.