Bankruptcy Specialist II

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.

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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.

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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 confirmation, payment handling, and discharge procedures.

• Experience with servicing systems (e.g., FICS, MSP, or equivalent) and court filing systems (PACER/ECF).

• Excellent organizational, analytical, and written communication skills.

• Ability to interpret and apply investor, regulatory, and legal requirements consistently.

Preferred:

• Experience specific to manufactured home chattel loan servicing or indirect lending portfolios.

• Familiarity with Proof of Claim reconciliation, trustee communication workflows, and investor remittance alignment.

• Exposure to CFPB and OCC mortgage servicing standards and how they apply to personal property lending.

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Performance Indicators

• SLA adherence for POC submissions and payment postings.

• Accuracy of bankruptcy coding and status updates.

• Timely closure of discharged/dismissed cases.

• Zero material findings in internal/external audits.

• Effective collaboration with legal counsel and internal stakeholders.

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Core Competencies

• Attention to Detail: Ensures accuracy in all court-related documentation and payment processing.

• Accountability: Owns outcomes from filing through discharge, minimizing risk exposure.

• Communication: Clearly conveys complex case updates to both legal and non-legal stakeholders.

• Judgment: Understands when to escalate, involve counsel, or seek management guidance.

• Compliance Mindset: Proactively mitigates risk and adheres to regulatory timelines.

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.