JANICE JACKMAN-WINTERS
Anna
Summary
Mortgage Servicing and Collections Professional experienced in managing diverse portfolios across residential, consumer, commercial, and credit card sectors within regulated financial environments. Achieved effective loss mitigation and compliance through expertise in servicer guidelines and bankruptcy account administration. Focused on delivering value through comprehensive borrower support and maintaining high standards in quality assurance and account resolution.
Overview
36
36
years of professional experience
Work History
Senior Credit Card Collector
U.S. BANK
01.2025 - 01.2026
- Managed high-volume delinquent credit card portfolios while maintaining compliance with federal regulations and internal servicing requirements.
- Negotiated payment arrangements, hardship programs, settlements, and repayment solutions to improve account resolution outcomes.
- Conducted financial assessments to identify appropriate customer assistance options.
- Maintained detailed account documentation and servicing records supporting audit readiness and quality assurance standards.
- Collaborated with internal departments to resolve customer concerns and account disputes.
- Achieved and maintained strong quality assurance performance through accurate documentation and regulatory compliance.
Senior Medical Collector
PHOENIX FINANCIAL SERVICES
03.2024 - 01.2025
- Managed delinquent healthcare accounts and researched account histories to validate balances and improve collection performance.
- Investigated billing discrepancies and payment disputes while maintaining HIPAA compliance.
- Negotiated payment arrangements and account resolutions supporting revenue recovery goals.
- Maintained accurate account documentation and servicing records.
- Delivered professional customer service while balancing patient needs and organizational objectives.
Executive Assistant / Collections Support
T.J. PIPING
08.2012 - 02.2024
- Managed accounts receivable, collections, account reconciliation, cash application, and customer account maintenance activities.
- Resolved invoice discrepancies, payment issues, and contract-related billing concerns.
- Prepared financial reports, account analyses, and audit-ready documentation.
- Utilized Microsoft Excel for financial reporting, account tracking, and operational support.
- Supported executive leadership through administrative, operational, and financial coordination responsibilities.
Senior Mortgage Collector / Supervisor
JPMORGAN CHASE
05.2006 - 11.2011
- Managed delinquent FHA, VA, Conventional, Fannie Mae, Freddie Mac, Ginnie Mae, and Investor-Owned mortgage portfolios throughout the default servicing lifecycle.
- Evaluated borrower hardship situations and recommended loan modifications, repayment plans, forbearance agreements, short sales, deed-in-lieu programs, and foreclosure prevention solutions.
- Conducted financial analysis and risk assessments to determine appropriate workout options.
- Administered Chapter 7, Chapter 11, and Chapter 13 bankruptcy accounts while ensuring compliance with court requirements and investor guidelines.
- Monitored servicing activities for compliance with CFPB, RESPA, TILA, FHA, VA, Fannie Mae, Freddie Mac, and investor standards.
- Supervised collection personnel and supported productivity, performance, and quality assurance initiatives.
- Maintained complete servicing documentation supporting audits, legal reviews, and regulatory examinations.
Mortgage & Commercial Collector
FINANCIAL ADDICTION
11.2004 - 11.2006
- Managed FHA, VA, Conventional, and Investor-Owned mortgage portfolios.
- Performed collection activities on mortgage, commercial, and consumer accounts ranging from 30 to 180+ days delinquent.
- Negotiated repayment plans, settlements, reinstatements, and workout agreements.
- Managed Chapter 7, Chapter 11, and Chapter 13 bankruptcy accounts while maintaining regulatory compliance.
- Coordinated legal referrals and foreclosure prevention efforts through effective borrower communication.
- Maintained accurate servicing records and audit-ready documentation.
Collections & Financial Services
Allied Interstate
01.1990 - 01.2004
- Managed diverse loan portfolios, including mortgage, consumer, commercial, government, and auto loans, to optimize asset recovery.
- Negotiated payment arrangements and settlements to maximize recovery rates and minimize losses.
- Managed mortgage, consumer, commercial, government, and auto loan portfolios.
- Supported portfolio recovery and delinquency management strategies, contributing to effective risk mitigation efforts.
- Supervised collection representatives and assisted with operational leadership responsibilities.
Education
High School Diploma -
Southern Academy
TrinidadSkills
- Credit Card Collections
- Payment Negotiation
- Account Management
- Delinquency Management
- Mortgage Collections
- Loss Mitigation
- Foreclosure Prevention
- Loan Modifications
- Forbearance Agreements
- Repayment Plans
- Partial Claims
- Short Sales
- Deed-in-Lieu
- Mortgage Servicing
- Default Servicing
- FHA Loans
- VA Loans
- Conventional Loans
- Fannie Mae
- Freddie Mac
- Ginnie Mae
- Investor-Owned Loans
- Financial Analysis
- Risk Assessment
- Customer Resolution
- Team Leadership
- Audit Readiness
- Financial Reporting Tools
- AS400
- FACS
- PACER
- CME
- Microsoft Excel
- Microsoft Access
- NetSuite
- Amazon Workspace
- Collection Management Systems
- Dialer Systems
- Bankruptcy Tracking Systems
- Waste removal
- Proficiency in [software]
- Directing traffic
- Heavy lifting
Accomplishments
- Maintained high quality assurance and compliance standards within regulated financial services environments.
- Supported delinquency reduction efforts through borrower outreach, payment negotiations, and account resolution strategies.
- Managed complex mortgage, consumer, commercial, medical, and bankruptcy portfolios while maintaining regulatory compliance.
- Consistently achieved productivity, performance, and customer service objectives.
- Successfully resolved escalated borrower concerns, payment disputes, and servicing-related issues.
Certifications And Professional Training
- Financial & Regulatory Compliance Training
- Professional Development & Leadership Training
Regulatory Knowledge
- CFPB
- FDCPA
- RESPA
- TILA
- ECOA
- FCRA
- UDAAP
- Regulation X
- Regulation Z
- FHA Servicing Requirements
- VA Servicing Requirements
- HUD Guidelines
- Fannie Mae Guidelines
- Freddie Mac Guidelines
- Bankruptcy Compliance
- HIPAA
Timeline
Senior Credit Card Collector
U.S. BANK
01.2025 - 01.2026
Senior Medical Collector
PHOENIX FINANCIAL SERVICES
03.2024 - 01.2025
Executive Assistant / Collections Support
T.J. PIPING
08.2012 - 02.2024
Senior Mortgage Collector / Supervisor
JPMORGAN CHASE
05.2006 - 11.2011
Mortgage & Commercial Collector
FINANCIAL ADDICTION
11.2004 - 11.2006
Collections & Financial Services
Allied Interstate
01.1990 - 01.2004
High School Diploma -
Southern Academy