Elizebeth Ramagost
Tomball
Summary
Managerial professional with proven record of streamlining processes and leading high-performing teams. Known for strong analytical skills and commitment to achieving results. Teams rely on collaborative leadership and adaptability to changing needs.
Highly motivated and goal-oriented, successfully demonstrated the ability to complete tasks accurately and efficiently in a new industry produced 2 promotions from Cash Specialist to Cash Management Supervisor within 5 years. Continued growth and dedication to customers, team, and company resulted in promotion to Cash Escalation Manager.
Overview
19
19
years of professional experience
Work History
Cash Escalation Manager
Reverse Mortgage Solutions / PHH Mortgage
Houston, TX
07.2022 - Current
- Create and maintain procedures to ensure regulatory compliance expectations are met.
- Mentor, train, and coach new and existing staff.
- Coordinate all disbursement & receivable transactions for timely delivery.
- Research and identify cash items causing bank discrepancies. Ensure resolution of any bank out of balances.
- Compose & draft documentation to clients, tenants, & borrowers.
- Review judgement & settlement agreements.
- Liaison for Cash to Accounting, Vendors, REO, & Investors.
- Resolve and of cash receipts and disbursements resulting in a decrease in processing time of 30%.
Cash Management Supervisor
Reverse Mortgage Solutions / PHH Mortgage
Houston, TX
06.2017 - 06.2022
- Provide daily supervision to staff responsible for cash processing, application, disbursements, refunds, document scanning, and customer service.
- Successfully achieved and maintain exemplary rating with mandatory audit exceptions.
- Complete daily reconciliation of all forms of payment received and balancing of daily bank deposits.
- Efficiently handles employee questions and training issues as they arise.
- Timely expedite employee semi-annual and annual reviews as well as monthly coaching / mentoring to encourage a strong team.
Senior Cash Specialist
Reverse Mortgage Solutions/PHH Mortgage
Houston, TX
06.2015 - 06.2017
- Review payments for the cash team to identify, apply, or prepare for return.
- Accurately apply vendor refunds to corresponding disbursement.
- Disburse payments to vendors.
- Adhered to strict guidelines from HUD, FNMA and FDIC for all forms of payment application.
- Assist claims analysis in reviewing loan payment detail to clear the general ledger of credits and debits.
- Submit reports to accounting daily for bank reconciliation.
- Remote deposit and prepare bank deposits daily.
Cash Specialist
Reverse Mortgage Solutions / PHH Mortgage
Houston, TX
05.2012 - 06.2015
- Identify partial repayments, payoffs, claim funds, and vendor refunds received in various forms of currency.
- Enter invoices and create disbursements.
- Notate and image documents to corresponding loan.
- Communicate with internal departments and request approval to post or disburse funds.
- Manage loss draft checks in accordance with financial and mortgage regulations.
- Verify loss drafts are valid for deposit and are available for immediate disbursement.
Accounts Payable Clerk
Accounting Principals
Houston, TX
08.2009 - 06.2011
- Matched purchase orders with invoices and with customs/duties brokerage costs to ensure the price of merchandise fell in accordance with the guidelines.
- Handled invoices for 10+ containers a week.
- Printed and disbursed checks.
Administrative Assistant/Billing Clerk
NOV - Fiberspar Manufacturing
Houston, TX
12.2008 - 04.2009
- Verified information on purchase orders to generate invoices using Macola 10.
- Created and submitted internal invoices to our offices in Canada.
- Primary billing contact for our largest client.
- Processed purchase orders, entered sales orders, answered billing related questions in a timely fashion, and submitted invoices via client’s proprietary accounting system.
- Assisted human resources in verifying employment, new employees' drug screening, and created and organized new employee packets.
Account Coordinator/Billing Clerk
TRICORBRAUN
Houston, TX
12.2006 - 12.2008
- Managed Customer Accounts. Entered purchase orders, created client files, input sales orders, ordered and maintained inventory, and processed client returns.
- Researched most economical way to ship inventory, booked carrier, and reviewed shipment before it was shipped.
- Created invoices and processed debits and credits (up to 60 daily)
- Approved vendor invoices for payment processing
Education
High School -
Cypress Falls High School
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Lone Star Collage
TomballSkills
- Microsoft Office: Word; Excel; Outlook, PowerPoint; Adobe
- Customer Service
- Account / Bank Reconciliations
- Payment Processing / Application
- Accounts Payable / Accounts Receivable
- Staff Training / Policy Development / Team building
- Liaison for Investors, Vendors, REO
- Invoicing / Billing
- Daily / Month End Close
Timeline
Cash Escalation Manager
Reverse Mortgage Solutions / PHH Mortgage
07.2022 - Current
Cash Management Supervisor
Reverse Mortgage Solutions / PHH Mortgage
06.2017 - 06.2022
Senior Cash Specialist
Reverse Mortgage Solutions/PHH Mortgage
06.2015 - 06.2017
Cash Specialist
Reverse Mortgage Solutions / PHH Mortgage
05.2012 - 06.2015
Accounts Payable Clerk
Accounting Principals
08.2009 - 06.2011
Administrative Assistant/Billing Clerk
NOV - Fiberspar Manufacturing
12.2008 - 04.2009
Account Coordinator/Billing Clerk
TRICORBRAUN
12.2006 - 12.2008
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Lone Star Collage
High School -
Cypress Falls High School