Donna Johnson
Philadelphia,PA
Summary
Mortgage Professional with extensive background in commercial and residential mortgages including Jr. underwriting, processing, closing, post-closing, funding, document review, document interpretation, auditing, servicing and investor reporting. Goal-oriented, team player with exceptional organizational and analytical skills.
Overview
18
18
years of professional experience
Work History
Debt Negotiator
National Debt Relief, LLC
06.2023 - Current
- Negotiated with creditors on behalf of clients to arrange for payment adjustments, interest rate reductions or payment plans.
- Negotiate, deliver, and follow through to completion on client settlement offers and proposals between client and creditor
- Establish and maintain contact with creditors, collection agencies, collection law firms, and debt buyers
- Analyze client portfolios to determine best strategy to help clients achieve financial freedom as quickly as possible
- Review client's banking account to determine funds necessary and available to execute debt program
- Responsible for achieving monthly KPIs/goals set by management
Senior Mortgage Loan Processor
Bayview Loan Servicing
11.2019 - 04.2022
- Processed pipeline of 50 - 75 refinances for conventional, FHA and VA loans
- Performed in depth analysis of mortgage application for completeness, identified missing documentation, generated condition lists for applicants to submit loans to underwriting for approval
- Established rapport with borrowers and delivered exceptional customer service
- Ordered and reviewed all 3rd party reports including credit, title, appraisal, AUS/ DU AND LP and fraud reports
- Maintained system data with anticipation of closing loans within 30 days, providing quick turnaround times to maintain fast-paced schedule.
- Maintained frequent communication will all internal departments and third party vendors/ business partners
- Coordinated closing process with closing department attorneys and title companies
- Reconciled figures on Closing Disclosure
- Trained new employees with different facets of loan processing
- Consistently maintained 99% quality control rate and averaged over 102% productivity goals
- Filed completed loan applications with underwriting and made approval or denial recommendations.
HR Investigations Specialist Assistant
Vinmar Consulting
10.2018 - 10.2019
- Assisted in triage of complaints to ensure that employee concerns are categorized and handled appropriately
- Responsible for timely response and resolutions of internal investigations regarding a wide variety of employee matters
- Identified and/or conducted prompt, thorough, and detailed investigations into employee concerns providing appropriate recommendations for actions as a result of the investigation when applicable
- Demonstrates knowledge of HR practices, guidelines and regulations regarding compliance with all employment laws, regulations and companies' policies, procedures, and processes.
- Documented findings and prepared detailed reports
Jr Underwriter/ Loan Processor
Freedom Mortgage Corporation
11.2015 - 10.2018
- Processed pipeline of 50+ VA loans
- Initiated and maintained contact with customers throughout processing period, assisting them with any questions and
- Performed initial underwriting review of VA cash out refinances and examined loan application and disclosures for accuracy and completeness
- Ordered and reviewed credit, income, assets, title and appraisals
- Submitted applications on VA portal to order COE's (Certificate of Eligibility)
- Requested and reviewed Discharge or Separation papers (DD214's), Statements of Service and Dependency & Indemnity Compensation (DIC) letters for Veteran's Surviving Spouses and assisted Surviving Spouses completing forms for Determination of Loan Guaranty Eligibility
- Communicated with borrowers to procure necessary documentation and give key updates such as condition requirements, loan status and loan decisions
- Reworked loans for low appraised values to offer new terms prior to submitting to Underwriting
- Exceeded production file quality and call compliance goals with benchmarks of 95%
Whole Loan Operations Balancing Associate
JP Morgan Chase
07.2014 - 07.2015
- Analyzed and researched complex issues related to servicer reporting within Corporate and Investment Banking
- Handled loan purchases, sales, service released loans, and daily remittance files
- Processed, reconciled, and recorded cash remitted by service providers ensuring appropriately funds were remitted and received
- Analyzed servicer reconciliations, ensuring accuracy and appropriateness
- Managed complex or escalated servicers, systems and financial accounting related issues, aggressively pursuing remittance or reporting differences with service providers
Mortgage Processor
PHH Mortgage Corporation
10.2011 - 12.2013
- Processed pipeline of 50+ loans, managing from opening to closing while maintaining outstanding level of customer service
- Acted as liaison between customers, sales representatives, underwriting and closing departments
- Analyzed loans and submitted files to underwriting for review and approval
- Scheduled closings and checked fees for accuracy
- Ordered credit reports, appraisals, flood certifications, subordination agreements, title commitments verification of mortgages, employment and mortgage payoffs
- Obtained any outstanding documentation required for mortgage approval
Client Relations Manager
Berkadia Commercial Mortgage
02.2006 - 10.2010
- Serviced Freddie Mac Commercial Multifamily loans, with pipeline of approximately 400+ loans as main point of contact for investors, borrowers, management companies, attorneys and mortgage bankers
- Records new loans and completes new loan boarding set up in system
- Performed quality controls audits on new loans and ensured ticklers were loaded correctly
- Addressed all inquiries from Borrowers including monthly payments, payoff statements, satisfactions, replacement reserve requests, completion repairs, taxes, insurance, escrow analysis, arm adjustments, late fees, amortization schedules, and interpretation of loan documents,
- Responded to all inquiries from Freddie Mac for issues involving payoffs, maturing, delinquent and defaulted loans, completion repairs, inspections, and loans at risk to investors due to poor inspections, deferred maintenance issues, outstanding required repairs, low occupancy and or low debt coverage ratio
- Ran daily, bi-weekly and monthly reports
- Obtained any outstanding documentation for other departments including financial statements, proof of completion for repairs and missing documentation for Replacement Reserve request.
Education
Associate of Science - Business Administration
Temple University
Philadelphia, PAAssociate of Science - Business Information Systems
Virginia State University
Petersburg, VASkills
- Mortgage Loan Software
- Automated Underwriting Systems
- File Management
- Data Entry
- Customer Relations
- Loan Processing Coordination
- Employment Verification
- Credit Bureau Contact
- Appraisal Verification
- Attention to Detail
- Commercial Real Estate
- Reconciling Accounts
Timeline
Debt Negotiator
National Debt Relief, LLC
06.2023 - Current
Senior Mortgage Loan Processor
Bayview Loan Servicing
11.2019 - 04.2022
HR Investigations Specialist Assistant
Vinmar Consulting
10.2018 - 10.2019
Jr Underwriter/ Loan Processor
Freedom Mortgage Corporation
11.2015 - 10.2018
Whole Loan Operations Balancing Associate
JP Morgan Chase
07.2014 - 07.2015
Mortgage Processor
PHH Mortgage Corporation
10.2011 - 12.2013
Client Relations Manager
Berkadia Commercial Mortgage
02.2006 - 10.2010
Associate of Science - Business Administration
Temple University
Associate of Science - Business Information Systems
Virginia State University
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