Position summary:
The Trustee Sales Officer owns a caseload of Texas FHA-insured nonjudicial foreclosures from the day the file is opened through sale, deed and billing. The officer makes sure each file is accurate, title is clear, every required search is run, every notice goes out on time, and no sale proceeds while a stop trigger is open.
Texas files are supported by two partners. Entra's India team opens each order in FSI from the BSI referral package, and the foreclosure firm drafts the legal documents, posts and files the Notice of Sale, and serves as named substitute trustee. The officer checks the India team's work, prepares the firm's requests, reviews what the firm sends back, and keeps the file moving. Once trained, each officer takes about 30 new referrals a month and carries roughly 100 to 125 active files.
Key responsibilities:
File review and title
- Review each new file opened in FSI by the India team within one business day. Check borrower names, loan and Deed of Trust amounts, property address, county and legal description against the Deed of Trust and BSI referral package; send corrections back and log the error.
- Identify missing or defective referral documents and request them from BSI through the Manager.
- Order the Land Report from Entra Title and review every exception: senior and junior liens, lis pendens, judgments, tax liens, easements and parties who must receive notice. Clear or escalate title issues before any notice is requested.
- Confirm the chain of title and that the Assignment and the Appointment of Substitute Trustee are recorded, or ready to record with the deed.
Searches and stop triggers
- Run and document the SCRA, PACER and SSN death searches at every checkpoint required by the Texas FHA P&P, noting each result in FSI with the date and the name of the person who ran it.
- Stop the file and escalate to the Texas Foreclosure Manager the same day on any stop trigger: active military duty, a bankruptcy filing, a deceased borrower, a title defect, a borrower or amount mismatch, or a BSI hold.
- Apply BSI hold and release instructions (loss mitigation, bankruptcy, litigation) promptly and record them in FSI.
Notices and sale setup
- Complete Order Entry Part 2 in FSI and send the Notice of Sale package to the firm. The officer does not draft legal documents.
- Review the firm-prepared Notice of Substitute Trustee's Sale against the file (names, amounts, property address, legal description, county and sale date) before it is signed.
- Make sure the Acceleration Letter and Notice of Sale are mailed by certified and first-class mail to the property and every known address at least 21 days before the sale, and confirm the firm has posted the Notice of Sale at the courthouse and filed it with the county clerk by the deadline. Keep proof of mailing, posting and filing in the file.
- Send the 25-day IRS and DOJ notices when a federal lien appears on title.
- Order the title update at least 30 days before the sale and clear final title.
- Track every file against the first-Tuesday sale calendar and the FHA/HUD first-legal and reasonable-diligence timeframes, and flag at-risk files to the Manager early.
Sale day and post-sale
- Obtain BSI's bid and vesting instructions and confirm them with the firm and, when used, the sale vendor (Auction.com, ServiceLink or Hubzu).
- Run the day-before and sale-day checks; if a sale must stop, call the firm and vendor and issue the pull the same day.
- Post sale results to BSI's system the day of the sale.
- Run the post-sale bankruptcy search before the Substitute Trustee's Deed is released; track recording and forward the recorded deed to BSI.
- Process third-party sale proceeds, rescissions of acceleration for cancelled sales, and REO conveyance hand-offs to the firm according to procedure.
Communication, billing and records
- Answer calls and emails from borrowers, BSI, the firm, title and vendors professionally and promptly. Route payoff, reinstatement and loss-mitigation requests to BSI; do not give legal advice.
- Trigger billing milestones (title, first legal, deed recorded) in FSI accurately and on time so the India billing team can invoice BSI, and help resolve billing exceptions.
- Keep FSI and BSI systems current the same day and keep a complete electronic file. Protect borrower personal data.
- Take part in quality reviews and audits, suggest procedure improvements, cover colleagues' files when needed, and perform other duties as assigned.
How success is measured:
Targets below come from the IHFA Texas launch plan and staffing model; values marked TBD will be set by the Texas Foreclosure Manager during launch.
- Passes the training sign-off test before taking live files.
- Handles about 30 new referrals a month and about 100-125 active files once trained.
- Every required search completed and noted on schedule; no sale held while a stop trigger was open.
- Every notice deadline met (30-day title update, 25-day IRS/DOJ notices, 21-day Notice of Sale) and 100% of files within HUD timeframes.
- India intake errors caught before the Notice of Sale request; sale results posted to BSI the same day.
- Billing milestones triggered within TBD business days, with no billing errors caused by file data.
Qualifications
Required:
- Three or more years of hands-on residential foreclosure experience, referral through sale, at a trustee company, default law firm or mortgage servicer.
- Working knowledge of a nonjudicial (power-of-sale) foreclosure process: notice of default and cure period, notice of sale, posting and filing, substitute trustee appointment and trustee's deed. Able to learn Texas requirements quickly.
- Experience reviewing title reports and resolving title exceptions.
- Experience running SCRA and PACER searches and acting on the results.
- Proficiency in Microsoft Word, Excel and Outlook.
- High school diploma or equivalent.
Preferred:
- Texas nonjudicial foreclosure experience (Texas Property Code Chapter 51, first-Tuesday sales).
- Experience helping build, launch or scale a foreclosure operation, such as a new team, a new client, a servicing transfer or a new state.
- Five or more years of experience, including FHA-insured loans and HUD timeline requirements.
- Working knowledge of FSI foreclosure software, Tempo (Sagent) or similar default platforms.
- Experience working with offshore teams or reviewing others' work for quality.
- Texas notary public commission.
- Some college coursework, or industry training such as United Trustees Association courses.
Knowledge, skills and abilities:
- A strong operator: runs a caseload to procedure, spots gaps in a new process and helps fix them.
- High attention to detail; catches a wrong name, amount or legal description before it reaches a notice.
- Knows when to stop a file and escalate, and does it the same day.
- Plans and prioritizes a large caseload against fixed sale dates.
- Clear, calm communication with distressed borrowers and with attorneys and servicer staff.
- Works independently and as part of a small team; learns new systems and state requirements quickly.
- Handles confidential borrower data with care.
Systems and tools:
FSI foreclosure software (file of record), Tempo (BSI servicing and referral system), Eloan Data, PACER, the SCRA website, LPS/ICE invoicing, Microsoft Office (Word, Excel, Outlook, Teams).
Working conditions and physical requirements:
- Office environment; on site in Irving, Texas.
- Occasional extended hours around sale dates and month-end.
- Ability to sit for long periods and use a computer for most of the day; lifting 25 pounds or less.
About Entra Default Solutions
Entra Default Solutions, LLC is a wholly owned subsidiary of BSI Financial Services that provides foreclosure trustee services in Arizona, California, Nevada and Texas. Entra is building a dedicated Texas team in Irving, at BSI headquarters, to handle foreclosure referrals for a newly acquired portfolio of approximately 42,000 FHA-insured Texas loans, with in-house intake beginning January 2027.
What's in it for you?
- Competitive compensation and full benefits package include medical, dental, and vision.
- 100% company-paid life insurance and disability coverage!
- 401K with company matching!
- 17 days PTO (increases with tenure) and 9 company paid holidays!
- Professional but fun, casual work environment and great team culture!
EEO Statement
We are an equal employment opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, gender, national origin, disability status, protected veteran status, or any other characteristic protected by law.