Zippy
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Bankruptcy Specialist II
role at
Zippy .
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 many other states and cities. Backed by institutional investors, we offer competitive pay, stock options, and excellent benefits.
Role 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 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.
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.
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 elevate, 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.
Applicants must reside in one of 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, and Wisconsin.
Benefits
Competitive Compensation: Salary with potential annual bonuses and variable pay.
Equity for All: All employees receive equity in the company.
Remote Work: Flexible home‑based work.
Comprehensive Health Coverage with company‑subsidized benefits.
Flexible Spending Accounts for medical & dependent care.
Training & Licensing Support.
Paid Time Off and generous PTO.
Well‑being Programs: Headspace, Gympass+, Fetch, Spring Health, SoFi, Perkspot, Ladder, etc.
Parental Leave: Paid parental leave.
No Meeting Wednesdays: Mid‑week break from meetings.
Vibrant Slack Community.
Career Growth opportunities.
Core Values: Lead with Passion, Own It, Build a Better Way, Results Driven, The Golden Rule.
Diversity & Inclusion commitment.
Inspirational Leadership and supportive culture.
Meaningful Impact on affordable housing for over 22 million Americans.
Equal Opportunity Statement Zippy is an equal opportunity employer committed to diversity and inclusion. We do not discriminate based on race, color, national origin, religion, gender, 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.
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Bankruptcy Specialist II
role at
Zippy .
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 many other states and cities. Backed by institutional investors, we offer competitive pay, stock options, and excellent benefits.
Role 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 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.
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.
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 elevate, 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.
Applicants must reside in one of 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, and Wisconsin.
Benefits
Competitive Compensation: Salary with potential annual bonuses and variable pay.
Equity for All: All employees receive equity in the company.
Remote Work: Flexible home‑based work.
Comprehensive Health Coverage with company‑subsidized benefits.
Flexible Spending Accounts for medical & dependent care.
Training & Licensing Support.
Paid Time Off and generous PTO.
Well‑being Programs: Headspace, Gympass+, Fetch, Spring Health, SoFi, Perkspot, Ladder, etc.
Parental Leave: Paid parental leave.
No Meeting Wednesdays: Mid‑week break from meetings.
Vibrant Slack Community.
Career Growth opportunities.
Core Values: Lead with Passion, Own It, Build a Better Way, Results Driven, The Golden Rule.
Diversity & Inclusion commitment.
Inspirational Leadership and supportive culture.
Meaningful Impact on affordable housing for over 22 million Americans.
Equal Opportunity Statement Zippy is an equal opportunity employer committed to diversity and inclusion. We do not discriminate based on race, color, national origin, religion, gender, 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.
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