Charmaine Watson
Houston,TX
Summary
Dedicated professional with 15 years of experience as a Title Curative Specialist, Title Processor, and Title Closer. Expert in resolving complex title issues and vesting issues. Seeking a Title Curative Specialist role to apply expertise in clearing liens, vesting issues, judgments, subordination agreements, releases and other various title issues and tasks.
Demonstrates strong analytical, communication, and teamwork skills, with proven ability to quickly adapt to new environments. Eager to contribute to team success and further develop professional skills. Brings positive attitude and commitment to continuous learning and growth.
Overview
19
19
years of professional experience
1
1
Certification
Work History
Case Manager
Percepta
03.2024 - Current
- Manages customer service interactions with a focus on providing repair assistance and financial aid facilitation, ensuring efficient resolution of automotive issues. Received approximately 25-50 calls per day and reviewed about 15 cases per day.
- Guides customers in creating actionable plans for vehicle repairs and parts acquisition, enhancing clarity and efficiency in the service process
- Provides customers with seamless access to information about dealerships, parts teams, and service providers, improving the overall customer experience.
Case Manager
Continuum Global Solutions
09.2023 - 03.2024
- Processed pharmaceutical claims through inbound calls, achieving high accuracy in transactions and resolving issues promptly to keep customer satisfaction levels high
- Advocated for customers' needs to sustain strong client relationships, ensuring clear communication of case progress
- Kept case records current and provided customers with regular updates, demonstrating thoroughness in follow-up communications
- Managed approximately 60-90 calls per day.
Eligibility Specialist
Equus Workforce Solutions
03.2023 - 09.2023
- Evaluated client qualifications for various aid programs, ensuring accurate documentation and adherence to eligibility criteria
- Provided effective customer service via chat and remote channels to address and resolve client concerns promptly
- Performed detailed assessments and interviews to expedite client service inquiries and enhance operational efficiency
- Provided exceptional customer service through prompt response times, clear communication channels, and diligent follow-up practices.
- Communicated with people from various cultures and backgrounds on application process.
Escrow Assistant / Closing Coordinator
Stewart Title Guaranty Company
07.2022 - 02.2023
- Processed and delivered title policies, ensured completion of funding, and confirmed wire transfers
- Improved escrow transaction workflows, contributing to the management of curative and financial tasks
- Enhanced closing procedures to reduce processing times and increase operational efficiency
- Assisted with the successful closing of numerous escrow transactions, ensuring all parties were informed and satisfied.
- Obtained documents such as proof of insurance and HOA statements.
- Efficiently processed incoming funds from buyers and disbursed funds to sellers upon closing transactions successfully.
- Followed-up on status of releases, policies, and return of recorded documents.
- Prepared estimated closing statements for buyer and seller.
Title Curative Coordinator
DOMA Title (Formerly States Title)
11.2021 - 07.2022
- Reviewed and resolved complex title issues, including vesting discrepancies, judgments, and liens to ensure accurate title curative documentation
- Expedited the title clearance process, contributing to timely and efficient property transaction closings
- Cleared property liens and addressed title disputes, while consistently maintaining high levels of customer satisfaction through effective communication
- Utilized specialized industry software, such as Data Tree and Data Trace, to conduct thorough tax searches integral to the curative process
- Demonstrated strong independent work ethic, managing priorities to adhere to strict deadlines in a dynamic environment
Mortgage Closer/Coordinator
Stearns Mortgage/Guaranteed Rate
08.2020 - 11.2021
- Prepared accurate mortgage closing documents in accordance with regulatory standards, maintaining a high level of compliance and precision
- Refined closing processes to enhance operational efficiency, resulting in improved client satisfaction during mortgage finalization
- Provided comprehensive support to resolve closing discrepancies, ensuring smooth and successful completion of mortgage transactions
- Managed a pipeline of 50+ mortgage loans, ensuring 95% on-time closings
Disaster Inspector / Damage Assessor
Plexos Group / FEMA AECOMM
11.2018 - 05.2019
- Conducted detailed on-site assessments to evaluate damage to properties, infrastructure, and personal belongings using established guidelines and software
- Gathered and compiled comprehensive data, including measurements, photographs, and sketches, to create thorough damage assessment reports
- Interacted with disaster survivors to provide clear explanations of processes, verify information, and address inquiries regarding ownership and insurance
- Generated reports such as Damage Description and Dimensions forms to facilitate recovery efforts
- Provided technical assistance by identifying potential hazards and suggesting mitigation measures for affected homes and businesses
- Ensured compliance with safety and construction standards in disaster-impacted regions
- Monitored the removal and proper disposal of disaster-generated debris to maintain environmental and safety standards
- Conducted assessments to mitigate potential impacts on aerial resources following disasters
- Demonstrated strong communication and problem-solving skills to effectively interact with survivors and assess damage
- Maintained professionalism and adaptability in challenging and rapidly changing disaster settings
Mortgage Loan Closer/Funder
Sutherland Mortgage Co
06.2014 - 11.2017
- Prepared and finalized mortgage loan documents, ensuring compliance with regulations
- Liaised with third parties to facilitate effective communication and documentation for loan closings
- Resolved client inquiries, enhancing the real estate closing process
- Led the Escalations & Quality Assurance Team, improving process efficiencies and handling priority escalations
- Pleasantly answered questions from customers, typically returning calls within 24 hours.
HUD Reviewer and Title Examiner
Brown Law Firm
10.2013 - 11.2014
- Reviewed and prepared final HUDs for closing including preparation and release of documents
- Conducted thorough analysis and evaluation of records on titles to determine legal condition of property title for residential and commercial properties
- Reviews all Tax information and requested Tax Certifications and information
- Examines and analyzes records to determine ownership and verify legal description of properties are free and clear of title defects or restrictions of use
- Maintained strong attention to detail while reviewing numerous documents daily, ensuring consistent quality and accuracy.
Mortgage Closer /Funder
Robertson Anschutz and Vetter's, P.C.
02.2012 - 09.2013
- Reviewed closing statements (HUD's) to ensure compliance with accuracy and state requirements, including securing necessary signatures for authorization
- Prepared and delivered loan packages, ensuring all documents were complete and accurate
- Coordinated the closing process of mortgage loans, effectively liaising with borrowers and related parties to facilitate smooth and thorough transactions
- Managed assigned pipeline efficiently to ensure timely closing of mortgage loans
Closer and Title Examiner
Linear Title Co. LLC
02.2010 - 02.2012
- Ensured Closing finalization by validating title was clear and free of defects on specific property
- Reviewed HUDs from mortgage companies, mortgage loan documents and contracts for accuracy prior to closing
- Obtained appropriate signatures for closing documents and purchase agreements
- Balanced Files for disbursements
- Disbursed funds (via checks or wires) based on final closing statements
- Examined and verified approximately 25-50 titles weekly.
Title Specialist/Administrative Assistant
Briggs Fields Services
01.2008 - 04.2009
- Provided administrative support to multi-disciplinary teams including: corridor manager, relocation and acquisition agents
- Provided excellent customer service and assistance to third parties as needed
- Reviewed HUD's for compliance and accuracy prior to approval for final closing
- Managed offer process by preparing offer and counter-offer letters, offer packages and purchase agreements
- Implemented internal Routing Department Document to ensure signatures were obtained by respective parties on all documents prior to purchase transactions of properties
- Conducted thorough review to clear titles and outstanding tax issues, as well as confirming tax payments
- Ensured marketable title by review of documentation
- Delivered effective and timely communication with agents, Right of Way managers, the applicable title companies and company attorneys to resolve curative issues
- Conducted thorough public record searches to verify property ownership history and identify potential liens or encumbrances.
Curative Coordinator Lead/Title Examiner & Reviewer
Solutions Title Company of America
08.2006 - 10.2007
- Supervised team of four
- Conducted thorough research and verification of titles and/or title claims
- Utilized multiple systems and resources to research Title issues such as online websites, government offices, taxing authorities and other financial institutions for closing clearance
- Tracked title issues through a comprehensive excel spreadsheet and communicated title issues on a weekly basis to management
- Obtained lien releases and utilized negotiations and influencing skills to negotiate with lien holder for resolution of judgments, liens, UCC's and payoffs
- Reviewed documents for Curative Department including correct chain of title, recording information and legal descriptions
- Conducted thorough review and quality control of Title Reports and Commitments as needed
Education
High School Diploma - General Courses
Clear Creek High School
League City, TexasNon-Graduate - Public Relations/ Finance
Texas Christian University
Ft. Worth, TexasSkills
- Title Analysis
- Team Leadership
- Mortgage and Title Coordination
- Effective Written Communication
- Summarizing Key Points
- Analytical Problem Solving
- Client Relations
- Risk Assessment
- Proficient in Mortgage Software Applications
- Relationship Building
- Meticulous Review Skills
- Financial Analysis
- Deadline-Oriented Planning
- Mortgage Closing Expertise
- Closing Disclosure Specialist
- Closing Process Coordinator
- Front-End Development
- Claims Processing Specialist
- Advanced Excel Skills
- Experienced with Microsoft Word
- Ramquest Title Software
- Softpro Software
- Loan Processing
- Microsoft Office
- Encompass Mortgage Software
- Calyx
- AIM Software
- LOS
- Resware
- Negotiation
- CRM(Analytical)&(Operational)
- Document Analysis
- Salesforce
- Disaster Response Evaluations
- Problem-solving
Certification
- Notary Public, Texas, 2023
- HUD Specialist Certification, HUD.GOV, 2014
- Curative Processing Certification, Lorman, 2016
- Auto Adjuster Certification, 1st Adjuster School, 2024
- Bodily Injury Medical & Liability Claims Certification, 1st Adjuster School, 2024
- Workmen's Compensation Certification, 1st Adjuster School, 2019
- MBNA, Mortgage Banking Certification, 2016
Timeline
Case Manager
Percepta
03.2024 - Current
Case Manager
Continuum Global Solutions
09.2023 - 03.2024
Eligibility Specialist
Equus Workforce Solutions
03.2023 - 09.2023
Escrow Assistant / Closing Coordinator
Stewart Title Guaranty Company
07.2022 - 02.2023
Title Curative Coordinator
DOMA Title (Formerly States Title)
11.2021 - 07.2022
Mortgage Closer/Coordinator
Stearns Mortgage/Guaranteed Rate
08.2020 - 11.2021
Disaster Inspector / Damage Assessor
Plexos Group / FEMA AECOMM
11.2018 - 05.2019
Mortgage Loan Closer/Funder
Sutherland Mortgage Co
06.2014 - 11.2017
HUD Reviewer and Title Examiner
Brown Law Firm
10.2013 - 11.2014
Mortgage Closer /Funder
Robertson Anschutz and Vetter's, P.C.
02.2012 - 09.2013
Closer and Title Examiner
Linear Title Co. LLC
02.2010 - 02.2012
Title Specialist/Administrative Assistant
Briggs Fields Services
01.2008 - 04.2009
Curative Coordinator Lead/Title Examiner & Reviewer
Solutions Title Company of America
08.2006 - 10.2007
High School Diploma - General Courses
Clear Creek High School
Non-Graduate - Public Relations/ Finance
Texas Christian University
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