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Sei

Servicing

AI that automates every manual workflow

Eight agents, in lifecycle order — boarding and escrow on the performing path, collections through claims on the default path, payoffs at the exit, and conduct across all of it.

How UMOS™ orchestrates them

8

servicing desks, each with a confidence floor you set and an exception queue you own.

The eight desks

The origination side
  1. 01Loan Boarding AgentCatches boarding defects before the first statement.Document Intelligence
  2. 02Escrow ManagerAnalysis, shortages, and the explanation that is borrower-friendly.Document Intelligence · Voice Agents
  3. 03Collections AgentEarly-stage delinquency, compliant with Reg F and TCPA.Voice Agents
  4. 04Default Management DeskSixty days and beyond, with the timelines held.Document Intelligence
  5. 05Loss Mitigation AgentComplete packages, evaluated inside the Reg X clock.Document Intelligence · Voice Agents
  6. 06Claims AnalystThe claim package, read and reconciled for review.Document Intelligence
  7. 07Payoffs ManagerQuotes, good-through dates and the release clock.Voice Agents · Document Intelligence
  8. 08Compliance ManagerEvery servicing call and letter scored.Call Monitoring

What they run on

Capabilities powering the UMOS agents.

Voice AgentsBorrower calls from the first web lead through servicing and payoff4 of the eight desksDocument IntelligenceIntake, income, condition clearing, Closing Disclosure and QC on every loan6 of the eight desksCall MonitoringEvery call, email and chat scored against your SOPs and the regulations1 of the eight desks

A day in the life

A transfer of 1,900 loans boards on a Friday night.

Airtight rules ensure that a statement that should never have gone out is blocked for human escalation.

  1. Friday, 9pm

    The Loan Boarding Agent validates every loan against the prior servicer’s data and the Loan Graph it inherits. On 41 of them the escrow cushion has mapped to the wrong field — a single mapping defect, so it is not random, it is every loan the defect touches.

  2. ·

    It does not silently correct them. It quarantines the 41 and files one exception naming the field, the source value, the mapped value and the rule it violates — before the first statement goes out.

  3. Monday, 8am

    The boarding lead has one ticket instead of forty-one surprises, and 1,859 loans that boarded clean.

You Ain't Seen Nothin' Yet

Book a Demo
Pack up some of your complex historical files — any loan type, any investor. We run them through intake, income and condition clearing, and in 30 minutes you see every condition we created and cleared efficiently for your own team, and why.
  • Any loan type, any agency guideline or custom investor overlays.
  • Every finding cited to the guideline or document it came from

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