Summary
Overview
Work History
Education
Skills
Certification
Work Availability
Timeline
Hi, I’m

SHA COBY YOUMANS

Lewisville,TX
There is a powerful driving force inside every human being that, once unleashed, can make any vision, dream, or desire a reality.
Tony Robbins

Summary

To seek and maintain full-time position that offers professional challenges utilizing interpersonal skills, excellent time management and problem-solving skills. Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals. Detail-oriented team player with strong organizational skills. Ability to handle multiple projects simultaneously with a high degree of accuracy.

Overview

18
years of professional experience
1
Certificate

Work History

Mortgage Consultant

Job overview

  • Maintaining conversation log as needed
  • Register Loans on origination system and maintain system
  • Accuracy Review and update weekly pipeline report Created journal entries for; three investment accounts, 401k, payroll, & others, for entry into Accounting Software
  • Monthly Cash Account Reconciliations
  • Prepared for annual fiscal audit & received a clean report.
  • Register Loans on the origination system and maintain system.
  • Obtain and review mortgage documents for acceptability against loan conditions
  • Review rate lock and points objectives for accuracy and expiration
  • Process and prepare for closing retail mortgage loans (Conventional, Government, purchase, and refinance under various loan programs in accordance with policies and procedures)
  • Disbursement of funds to 3rd party vendors

Freedom Mortgage

Escrow Specialist II
06.2021 - Current

Job overview

  • Prepare final loan package and send to lender
  • Review closing ledger for accuracy and disburse file in accordance with ledger and lender’s closing
  • Instructions, including the printing and mailing/overnighting of checks and initiation of wires, if any
  • Prepare the Final Closing Package and review the documents to be recorded for accuracy/compliance
  • Submit final file to Escrow Assistant for recording within the established timeline
  • Greet clients and answer phones in professional manner; provide exceptional written and verbal
  • Communication to agents and clients
  • Address client needs in a prompt, professional and courteous
  • Manner
  • Correspond with lenders, builders, agents and attorneys as needed

The HCI Group

Lead Billing Analyst / Payment Processor/ Default Cash Specialist
07.2018 - 03.2021

Job overview

  • Preparing and issuing invoices, billing statements, and reports
  • Make adjustments to invoices and statements as needed
  • Managing billing for various client accounts
  • Interacting with clients to resolve any issues and answer inquiries
  • Following company guidelines and billing procedures as well as ensure compliance
  • Maintaining accurate records and making updates to our database as needed
  • Resolving any errors or discrepancies with customer billing, accounts, or billing reports
  • Review and process cash transactions received for foreclosure and loss mitigation loans such as 3rd party proceeds, short sale funds, redemptions, payoffs, and reinstatements
  • Research and resolve any cash discrepancies, responsible for cash balancing, cash account reconciliation and customer cash returns
  • Receive incoming mail payments, sort, and assign task for the incoming transaction to be processed.

Wells Fargo Mortgage Bank, ERC

Escrow Processor/ Collection Specialist
04.2018 - 07.2018

Job overview

  • Prepare and send out invoice, bills, and bank deposits
  • Ensure all clients remain informed on their outstanding debts and deadlines
  • Respond to billing questions from both local and international customers
  • Prepare and send out invoice, bills, and bank deposits
  • Enter data of orders into the system
  • Compare billing accounts with accounts receivable ledger to ensure that all payments are properly posted and accounted for

Service Link/ Loan Care – Default Process Solutions

Document Routing Support Specialist /Loan Counselor
04.2017 - 04.2018

Job overview

  • Received, Sorted, and Packed inbound and outbound client documents
  • Key client documents/data into the appropriate system
  • File and enter client documents/data accurately and in accordance with established processes and regulations
  • Create and fulfill department supply orders
  • Maintain and distribute Excel reporting related to document routing to department leadership
  • Answer inbound calls from delinquent borrowers; generate outbound phone calls, determine reasons for non-payment, negotiate payment arrangements and offer suggestions to borrowers on how to meet their monthly obligations and advise them as to the possible consequence of not meeting obligations
  • Obtain borrower’s monthly financials: income and expenses; calculate and discuss repayment plan terms with borrower(s)
  • Ability to explain loss mitigation options in detail and loss mitigation application process
  • Demonstrate working knowledge of default and foreclosure timelines.

Service Link/ Loan Care

Document Routing Support Specialist /Loan Counselor
04.2017 - 04.2018

Job overview

  • Received, Sorted, and Packed inbound and outbound client documents
  • Key client documents/data into the appropriate system
  • File and enter client documents/data accurately and in accordance with established processes and regulations
  • Create and fulfill department supply orders
  • Maintain and distribute Excel reporting related to document routing to department leadership
  • Answer inbound calls from delinquent borrowers; generate outbound phone calls, determine reasons
  • For non-payment, negotiate payment arrangements and offer suggestions to borrowers on how to meet
  • Their monthly obligations and advise them as to the possible consequence of not meeting obligations
  • Obtain borrower's monthly financials: income and expenses; calculate and discuss repayment plan
  • Terms with borrower(s)
  • Ability to explain loss mitigation options in detail and loss mitigation application process
  • Demonstrate working knowledge of default and foreclosure timelines

Humana Insurance

Production Associate Team Lead
11.2013 - 04.2018

Job overview

  • Formulate and enforce Service Center policies, procedures and quality assurance measures
  • Provide accurate and appropriate information in response to customer inquiries
  • Handle 45 to100 calls a day with a 95% quality (Humana Leadership Program)
  • Provide accurate and appropriate information in response to customer inquiries
  • Collect customer feedback and make process changes to exceed customer satisfaction goals
  • Demonstrate mastery of customer service call script within specified timeframes
  • Build customer loyalty by placing follow-up calls for customers who reports product issues
  • Assist members with ordering medications and resolving minor issues
  • Successfully interact with other call center representatives to resolve issues
  • Doctor Call queue's (Fax Awaiting, Doctor Call Tech Fax, Doctor Call Tech Outbound)
  • Auto In (Inbound calls from Doctors or Patients to clarify patient information)
  • Special Projects - Workflow Process, Data compiling, Conducted patient surveys

PHH Mortgage

Loan Processor/Wholesale Customer Care Specialist
08.2012 - 08.2013

Job overview

  • Processed FHA and Conventional loans to clear conditions utilizing underwriting guidelines and requirements
  • Execute and organize numerous loan processing counselor reports tracking daily team progression and status
  • Order and track subordinations, payoffs, insurance, verifications and credit supplements
  • Gather require third party documentation to move loan to closing
  • Prepare closing cost worksheets and aggregate escrow analysis
  • Order Updated HUD-1 from closing agents for comparison of Good Faith Estimate (GFE) to complete closing cost worksheet
  • Maintain positive and effective communication with borrowers, internal departments and third-party clients
  • Scheduled the closing between the borrower and the closing agent, be it a title insurance company or a real estate attorney as the closing agent
  • The choice of title insurance company or real estate attorney also varies by state and is not the choice of the borrower
  • Performed quality assurance testing when applicable; remain consistent with quality strategy from the Quality Assurance team
  • Coordinated reference requests with existing customers/clients when required

Merrill Lynch

Randstad
10.2009 - 08.2012

JP Morgan Chase

Document Preparation Analyst (DPA)/Researcher
07.2006 - 10.2009

Job overview

  • Ensured all loan documentation submitted, whether by mail delivery (hard files) or electronic upload (Captiva Queues) were indexed
  • Performed quality assurance related operation at a “level II” DPA
  • Indexed and reconciled submission upload errors, unusual occurrences and audit files for category placement accuracy and quality
  • Validated borrower/correspondent information against loan application and system database
  • Processed and input borrower’s information into Gallagher/NPLOS database and reference resource for all loans qualified by Chase
  • Reported with detailed notes and comments on loan progression and status
  • Researched accuracy of data and gathered additional information not already provided
  • Prepared file organization for internal use and funding processes
  • Ensured file classification was accurate before loan was released.

Fidelity Financial, SDN

Resolution Specialist
12.2005 - 07.2006

Job overview

  • Applied payments to delinquent and current accounts
  • Received and processed mail and checks while reviewing checks for accuracy
  • Applied accurate customer and correspondent information to credit and closed files
  • Prepped applications for disbursement and accounting
  • Retrieved property tax information
  • Confirmed tax disbursements were paid accurately to county tax collectors daily
  • Validated and input tax information on TERA and LSAMS system database while correcting any errors
  • Researched and diagnosed title issues for loans not in default
  • Experienced with title issues including prior liens, legal description errors, duplicate liens, defective liens, and unrecorded liens
  • Filed title claims with underwriters and closing agents
  • Conducted timely follow up with underwriters to ensure acknowledgement of claim and timely cure of the title issue.

Education

UNIVERSITY OF PHOENIX
Online

Some College (No Degree) from Cybersecurity

WILLIAM M. RAINES HIGH SCHOOL

DIPLOMA

Skills

  • Skills & Software
  • SAS
  • MSP/LPS
  • RESPA
  • TRID
  • MBSWS
  • LAMP
  • Loansphere
  • Default Workflow
  • Lender Live
  • Info Source
  • CACS
  • Check21
  • Doctrac
  • BOSS
  • GTA
  • Cross
  • Advisor
  • IVault
  • LARS
  • Iportal
  • ACCER
  • Access
  • Agent Deskstop
  • SEAS Desktops
  • Quickbooks
  • Bullhorn
  • Concur/ Chrome River
  • AS400
  • TILA
  • Microsoft Office
  • Outlook
  • Sagent
  • Collections Proficiency
  • COBAL Expertise
  • Mortgage Industry Knowledge
  • Property Rights
  • Customer Relationship Management
  • Loan Application Management
  • Cash Reconciliation
  • 10-Key Data Entry
  • Credits Understanding
  • Document Analysis
  • Remote Video Conferencing
  • Invoice Preparation

Certification

  • Cyber Security Training - 2023
Availability
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thursday
friday
saturday
sunday
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Timeline

Escrow Specialist II

Freedom Mortgage
06.2021 - Current

Lead Billing Analyst / Payment Processor/ Default Cash Specialist

The HCI Group
07.2018 - 03.2021

Escrow Processor/ Collection Specialist

Wells Fargo Mortgage Bank, ERC
04.2018 - 07.2018

Document Routing Support Specialist /Loan Counselor

Service Link/ Loan Care – Default Process Solutions
04.2017 - 04.2018

Document Routing Support Specialist /Loan Counselor

Service Link/ Loan Care
04.2017 - 04.2018

Production Associate Team Lead

Humana Insurance
11.2013 - 04.2018

Loan Processor/Wholesale Customer Care Specialist

PHH Mortgage
08.2012 - 08.2013

Randstad

Merrill Lynch
10.2009 - 08.2012

Document Preparation Analyst (DPA)/Researcher

JP Morgan Chase
07.2006 - 10.2009

Resolution Specialist

Fidelity Financial, SDN
12.2005 - 07.2006

Mortgage Consultant

UNIVERSITY OF PHOENIX

Some College (No Degree) from Cybersecurity

WILLIAM M. RAINES HIGH SCHOOL

DIPLOMA
SHA COBY YOUMANS