Senior Mortgage Accountant

Founded in Richmond in 1997, CapCenter helps individuals and families achieve homeownership through an integrated approach that combines mortgage, realty, and insurance services. Our mission is to make homeownership simpler, faster, and more affordable—while protecting clients through life's most important financial decisions. Known for our Zero Closing Cost mortgage, we've grown through the trust of satisfied clients and word-of-mouth referrals. For our team, that mission creates a collaborative environment where talented professionals can do meaningful work, grow their careers, and make a lasting impact on clients' lives.

The Opportunity:

We are seeking an experienced Senior Mortgage Accountant to join our accounting team. In this role, you will oversee the full mortgage accounting cycle, ensuring compliance with GAAP and industry regulations while delivering accurate financial reporting and analysis. You will play a key role in providing financial insights that support strategic decision-making and contribute to the continued growth and success of the organization.

Key Responsibilities:

• Manage the accounting for mortgage loan originations, sales, securitizations, and servicing activities
• Prepare and review monthly journal entries, account reconciliations, and financial statements
• Oversee accounting for mortgage servicing rights (MSRs), including fair value analysis and impairment testing
• Ensure compliance with GAAP, RESPA, and applicable federal and state mortgage regulations
• Coordinate with secondary markets, operations, and servicing teams to ensure accurate loan-level data
• Support month-end and year-end close processes, including variance analysis and reporting
• Assist with internal and external audits, providing documentation and responding to auditor inquiries
• Identify and implement process improvements to increase accuracy and efficiency within the accounting function
• Mentor junior accounting staff and provide technical guidance on mortgage accounting matters

Qualifications:

Required:

• Bachelor's degree in Accounting, Finance, or a related field
• 5+ years of accounting experience, with at least 3 years in mortgage or financial services
• Strong knowledge of GAAP and mortgage accounting standards
• Experience with mortgage servicing rights (MSRs) and loan sale accounting
• Proficiency in accounting software and ERP systems (e.g., Encompass, Black Knight, or similar)
• Advanced Microsoft Excel skills
• Strong analytical, organizational, and communication skills

Preferred:

• CPA certification
• Experience with secondary market transactions and GNMA/FNMA/FHLMC reporting
• Familiarity with CECL and hedging accounting concepts
• Prior experience in a high-volume lending environment

We offer a competitive compensation package to include base salary, medical, dental and life insurance benefits, 401K, and paid vacation. We do not discriminate against applicants/employees on any protected basis and are an Equal Opportunity Employer: Veteran/Disability.