Job Opportunities API

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. Position Summary The Bankruptcy Specialist II is responsible for managing all facets of borrower bankruptcy filings within Zippy’s manufactured home chattel loan portfolio. This role ensures compliance with federal bankruptcy laws, investor requirements, and internal servicing policies while supporting borrowers, investors, attorneys, and courts through the full bankruptcy lifecycle—from filing through discharge, dismissal, or conversion. The specialist serves as the primary liaison between internal departments, external counsel, and trustees to ensure timely, accurate, and compliant handling of all bankruptcy matters. Key Responsibilities Case Management - Monitor and track all active bankruptcy filings, including Chapter 7, 11, 12, and 13 cases. - Review daily ECF (Electronic Case Filing) and PACER updates to identify new filings or case changes. - Code and maintain accurate bankruptcy statuses, plan types, and court dates in the servicing system. - Prepare and submit Proofs of Claim, Payment Change Notices, Post-Petition Fee Notices, and Trustee Payment reconciliations. - Process reaffirmation agreements, trustee disbursements, and payment suspensions or reinstatements per court directives. - Track discharges, dismissals, and conversions to ensure proper reinstatement of loan billing and collections activity. Compliance & Documentation - Ensure all filings, responses, and actions adhere to federal bankruptcy code, CFPB, and investor guidelines. - Coordinate with legal counsel to ensure timely filing of motions for relief, objections, and claims. - Maintain complete case documentation, including court orders, attorney correspondence, and internal approvals. - Review and reconcile trustee payments against loan servicing records; resolve variances and overpayments promptly. - Support annual audits, investor requests, and internal QA reviews with complete and accurate records. Cross-Functional Collaboration - Partner with Collections, Loss Mitigation, and Default Services to ensure appropriate treatment of loans under bankruptcy protection. - Communicate regularly with escrow, insurance, and investor reporting teams regarding payment holds, recoveries, and remittances. - Provide education and procedural updates to internal teams regarding bankruptcy requirements and status changes. Performance & Process Improvement - Identify recurring process gaps or compliance risks and propose procedural enhancements. - Support automation initiatives for plan tracking, trustee payment posting, and attorney communications. - Maintain KPI reporting for open cases, SLA compliance, and recovery timelines. Qualifications Required: - Minimum 3–5 years of experience in bankruptcy servicing, default administration, or legal processing within consumer lending or mortgage/chattel servicing. - Strong working knowledge of Chapter 7 and Chapter 13 processes, including plan co