Ebony Gillespie
Houston,TX
Summary
Results-oriented mortgage servicing and loan origination professional with a proven track record in mitigating financial losses and managing delinquency cases. Skilled in utilizing risk assessment techniques to develop effective resolution strategies, ensuring compliance with regulatory standards while maintaining strong customer relationships. Recognized for exceptional customer service, punctuality, teamwork, and negotiation skills that significantly contribute to organizational success. Seeking to leverage expertise in a dynamic role that supports the growth and efficiency of mortgage servicing operations.
Overview
28
28
years of professional experience
Work History
Loss Mitigation Specialist & Loan Servicing Specialist
Shellpoint Mortgage Servicing
07.2016 - 03.2025
- Loan Resolution - Responsible for contacting borrowers in financial distress to gather information and required documentation for a complete Loss Mitigation Application. Maintains contact with borrower throughout the process, sending applicable written notices or disclosures. Monitors approved plans until the borrower completes short term repayment plans or makes the required payments.
- Client Support - Identifies and supports clients who are eligible for assistance. Contacts clients who are in Foreclosure, who were dismissed or discharged from bankruptcy, or who have inquired about possible assistance in order to begin the process.
- Operational Support - Acts as a liaison between business units, Retail Credit Underwriting teams, and branches regarding distressed borrowers.
- Heavy inbound calls (30- 65+ per day)
- Portfolio Servicing - Participates in servicing efforts for acquired institutions. Works with acquired institutions to service defaulted or covered assets, and to assist with mortgage loans. Modifies or recommends charge offs as appropriate.
Document Imaging Specialist
Aerotek (Cadence Bank)
11.2015 - 02.2016
- Reported directly to project manager daily
- Respond to all emails by the end of the day that required action
- Prepared collateral packages and imaging needed original documents
Loan Processor
TPI Staffing (First Community Credit Union)
05.2015 - 09.2015
- Developed simplified process guides that provided step-by-step directions from application to closing process
- Open title
- Ordered credit
- Ordered flood certification
- Served as a liaison between the borrower, loan officer and real estate agent
- Collected required documentation from the borrower
- Prepare fund request documents
Project Analyst (Reconciliation)
Insight Global (Reverse Mortgage Solutions)
11.2014 - 05.2015
- Reported directly to project manager daily
- Ensured FNMA compliance review
- Reviewed old and current invoices on subject properties and submitted/resubmitted to Fannie Mae
- Prepared and updated Fannie Mae report daily with excel
Loan Specialist
Burnett Staffing (Amegy Mortgage, LLC)
03.2014 - 11.2014
- Processed 100-1000 mortgage payments daily
- Processed daily mail (incoming and outgoing)
- Customer service as borrowers came in with payments or questions regarding mortgage
- Processed pay offs
- Respond to all emails by the end of the day that required action
- Made daily deposit at the end of every business day from all live checks or payments that came in
- Balance out all accounts
- Initiated and maintained in-house reports with excel
- Responsible for running daily Fannie Mae reports to ensure that all necessary tasks were performed in a timely manner
Curative Specialist
Reverse Mortgage Solutions
11.2012 - 08.2013
- Process payments with the state statutes and government guidelines as a guide to remain in compliance of HUD form 571
- Review title commitment for any title defects including, mortgage satisfactions, code violations, vesting issues, and provide documents that are needed to clear exceptions on title
- Worked with municipalities and any additional lien holders to negotiate/payoff and outstanding liens or judgments
- Managed a curative portfolio, managing records of 250-400 properties assigned by state
- Ordered and managed title on subject properties
- Managed the process of foreclosure on subject properties
Various Mortgage Positions
Corporate Express Staffing Agency
06.1997 - 06.2013
- Loan Processor
- Post Closer- preparing collateral packages
- Loan set up- set up new loans in the system as soon as Account Executive brings them in, print needed documents to create file, order credit and flood, and sign in to underwriting department
- Shipper/Imaging- preparing collateral packages and imaging needed original documents
- Junior underwriter- collecting conditions from borrower and acting as liaison between the underwriter, borrower and account executive
- Junior closer- collected needed documents and worked close with attorney that prepared the closing papers, scheduled closing date and then assigned to closer
- Equivantag, Old Kent Mortgage, Home Loan, Wells Fargo, Mellon Mortgage, Beazer Homes, Stewart Lender Services, and Sebring Classic
Education
High School Diploma -
Cypress Falls Senior High School
Houston05.1996
Loan Origination
Champions School of Real Estate
HoustonSkills
- Excellent written and verbal communication skills, with an eye for detail
- Extremely productive in a high volume, high stress, environment
- Resnet
- Microsoft Office Suite
- REO Central
- Accer
- Type 70WPM
- Self-starter with a can-do attitude and passion to succeed
- Problem solver
- 210-Key (by touch)
- Citrix
- ILS- payment processing
- Desktop Underwriting
- AMN (Fannie Mae)
Timeline
Loss Mitigation Specialist & Loan Servicing Specialist
Shellpoint Mortgage Servicing
07.2016 - 03.2025
Document Imaging Specialist
Aerotek (Cadence Bank)
11.2015 - 02.2016
Loan Processor
TPI Staffing (First Community Credit Union)
05.2015 - 09.2015
Project Analyst (Reconciliation)
Insight Global (Reverse Mortgage Solutions)
11.2014 - 05.2015
Loan Specialist
Burnett Staffing (Amegy Mortgage, LLC)
03.2014 - 11.2014
Curative Specialist
Reverse Mortgage Solutions
11.2012 - 08.2013
Various Mortgage Positions
Corporate Express Staffing Agency
06.1997 - 06.2013
High School Diploma -
Cypress Falls Senior High School
Loan Origination
Champions School of Real Estate
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