Grace Timmons

About Grace Timmons

I am a results-driven operations professional with a strong background in mortgage servicing, claims management, and revenue cycle oversight, now seeking to leverage my financial and compliance expertise in the banking industry. With experience spanning default mortgage operations, insurance claims, project finance tracking, and medical billing, I bring a unique blend of financial reconciliation, regulatory compliance, and cross-functional collaboration. My work has consistently centered on improving accuracy, reducing risk, and ensuring organizations remain audit-ready while meeting investor, regulatory, and customer expectations. Highlights of my expertise include: • Managing foreclosure, collection, bankruptcy, and loss mitigation accounts with strict adherence to HUD, VA, USDA, Fannie Mae, and Freddie Mac guidelines. • Reconciling fees, invoices, and expenses with an emphasis on financial accuracy and transparency. • Leading claims resolution and billing operations, achieving measurable improvements in error reduction, collections, and cash flow. • Building compliance dashboards, process manuals, and reporting tools in Excel (VLOOKUPs, Pivot Tables, Dashboards) to support data-driven decision-making. • Partnering across teams, vendors, and legal counsel to ensure risk mitigation and operational efficiency. I am passionate about aligning financial processes with regulatory standards while creating systems that improve performance and accountability. As I look toward my next opportunity, I am eager to contribute to a financial or banking organization where precision, compliance, and operational excellence drive success.

Experience

1. Mortgage Default Operations Specialist

   Cadence Bank

   Feb 2024 — Present · Tupelo, MS, US

   Lead the end-to-end processing of foreclosure, bankruptcy, collections, and loss mitigation accounts, collaborating with attorneys, vendors, and internal teams to ensure investor timelines and compliance standards are consistently met.• Conduct in-depth reviews of loan histories and servicing data to identify the best resolution strategy, balancing borrower needs with HUD, VA, USDA, Fannie Mae, and Freddie Mac requirements.• Reconcile foreclosure fees, attorney invoices, and post-sale expenses with meticulous attention to accuracy, preventing misallocations and ensuring transparent financial reporting.• Maintain servicing systems (Sagent, Encompass, OnBase) with comprehensive documentation and audit-ready records, reducing risk and improving regulatory preparedness.• Serve as a go-to resource for process questions, helping teammates troubleshoot account issues and apply investor guidelines correctly.

Education

• Northeast Mississippi Community College

  Associate of Arts - AA