Marion - De Johnson Email & Phone Number

Process modifications; prepare information submitted by the mortgagor for HMPI (Obama) modifications. Inform mortgagor of denial or approval for the modification. Prepare information for traditional modification. Prepare and calculate correct escrow for modification. Prepare documents for Pre-sale (short sale). Determine from information submitted if mortgagor can or can not afford home as well as process forbearances. Interaction with attorneys

Process modifications; prepare information submitted by the mortgagor for HMPI (Obama) modifications. Inform mortgagor of denial or approval for the modification. Prepare information for traditional modification. Prepare and calculate correct escrow for modification. Prepare documents for Pre-sale (short sale). Determine from information submitted if mortgagor can or can not afford home as well as process forbearances. Interaction with attorneys.

Default servicing for Small Business Lending CollectionsContacting customers that are 180 days past due.Setting up payment plans and focused on customer delight as well as accounts being brought currentRe-age accounts to a current status.Telephone contact with Small Business customers.Promoted four times with in six months. Promoted to charge off recovering funds on small business loans, offering settlement for minimum of 45% of balance and negotiating deals to recoup funds. Excellent and sound negotiating skillsPromoted to senior credit analyst for inbound credit applications using judgmental lending skills. FannieMae

Partnered with servicers to allow borrowers to maintain homeownership while ensuring operational discipline and minimizing credit loss. Monitor clients' servicing requirements and understand any other servicing relationships.Provided direction to servicers to ensure effective loss mitigation practices are instituted. Provided training to Collection, Foreclosure and Loss Mitigation staff in servicer's offices to ensure timeline management and effective decisioning of default loans. Create and update internal processing guidelines for Loss Mitigation process and procedures.Performed lead function of Loss Mitigation Solution Center to ensure appropriate distribution of work and telephone coverage. Specifically working with smaller servicers conduct Webinar training, for Modifications, DIL-Deed in Lieu, Presales VA Buy Downs and financial analysis, to familiarize servicers with FannieMae guidelines, policy and procedures. Rewrote policy and procedures for Webinars, dealing with HSSN-Home Savers Solutions Network with knowledge of the mortgage industry, specifically mortgage servicing and mortgage loan documents. Thorough knowledge of call center operations.Monitor servicer's loans that are in foreclosure when they are requesting approval for Loss Mitigations options. Thorough knowledge of Excel, HSSN-Home Savers Solution Network, Darts-Distress Assets Reporting Tracking System thru process mapping.Conduct training seminars for other departments, knowledge of process mapping and process improvements techniques. Recognized as a department expert regarding Loss Mitigation procedures and policies for internal and external customers.Trained servicers to input 571-claims for reimbursements of servicers advancement information to be processes

Responsible for maintaining, monitoring and entering pertinent data into a portfolio of bankruptcy case via computer throughout the bankruptcy until the case is dismissed or discharged.Track debtor's compliance with post-petition mortgage payment via Alltel payment tracking system, audit accounts via Alltel payment tracking system, and make necessary changes or advise client of changes needed. Monitor case information via Alltel, Automated Access to Court Electronic Records (AACER) and Public Access to Court Electronic Records (PACER),Interact with debtors, attorneys and trustees concerning case proceedings, motions, and to assure all deadlines are met and appropriate action is taken, with the ability to file proof of claim with Bankruptcy Courts. Completed discharge audit of cases to insure all funds posted and received from trustee.

Made collection calls to delinquent borrowers, motivating them to immediately reinstate their account or make satisfactory payment arrangements for reinstatement.Documented CPI Director, with the borrower's reason for default, promise to pay, and changes to personal information such as their place of employment, salary, dependents and monthly obligations. Performed skip trace for borrowers through evaluating origination files, credit reports and other documentation. Prepared foreclosure recommendations, for presentation to the foreclosure Review Committee. Possess strong negotiation skills.

Communicate and negotiate alternatives to foreclosure based on defaulted mortgagor's financial ability to pay.Coordinate and facilitate initial loan workout efforts with the associated departments, foreclosure council, investors, and mortgage insurersRespond to escalated calls from borrowers requesting assistance. Thorough knowledge of FHA, HUD, Fannie Mae, Sallie Mae guidelines. Complete Loan Modifications, Short sales, and Subordinations. Possess a thorough knowledge of Microsoft Word, Excel, Alltel and Outlook, with strong negotiation skills.

Collections: Provide loan counseling to borrowers facing financial problems including referrals to local and state agencies and organizations (CCCS, HIJD, and local Charities). Analyzed borrower financials to select a repayment or reinstatement plan best suiting borrower ability to repay. Responsible for loss mitigation referrals (including refinance and loan modification) whenever financials would allow. Performed skip tracing and resolved escrow disputes. Receive customer calls inquiring about payment arrangements

Associates, Business Administration

Education record

Consumer Lending AIB Class

Business Administration