JANIECE BRYANT-GRISSOM
Arlington
Summary
Experienced Mortgage Professional with 6 years in mortgage servicing and loss mitigation, complemented by over 20 years in banking and collections. Proven success in remote operations and skilled in borrower communication, financial analysis, and delinquency resolution. Proficient in Microsoft Office Suite and loan servicing systems, ensuring compliance and operational efficiency.
Overview
8
8
years of professional experience
Work History
NEGOTIATING SPOC
Newrez
Coppell
06.2024 - Current
- Communicate effectively with homeowners to assess hardship, gather documentation, and negotiate resolutions to prevent foreclosure.
- Managed delinquent borrower portfolios, prioritizing alternatives to foreclosure such as loan modifications, short sales, and deeds-in-lieu to protect homeowner interests.
- Oversee loan portfolios with 90+ days of delinquency to develop tailored workout strategies that align with company performance goals and investor requirements.for delinquent borrowers, focusing on alternatives to foreclosure such as loan modifications, short sales, and deeds-in-lieu. Navigating non-performing assets, including bankruptcy and high-risk loans, to minimize investor losses.
- Handled non-performing assets, bankruptcy accounts, and high-risk loans, minimizing investor losses while ensuring compliance with investor and regulatory guidelines.
- Analyze borrower financial situations to determine appropriate loss mitigation options and repayment solutions.
HOME SOLUTIONS SPECIALIST II
Nationstar Mortgage DBA Mr. Cooper
Lewisville
06.2022 - 04.2024
- Negotiated and structured repayment and workout solutions aligned with company, investor, and regulatory guidelines, ensuring compliance with Fannie Mae, Freddie Mac, FHA, and VA standards.
- Maintained empathetic communication with borrowers through phone and written correspondence, providing timely updates on application status, next steps, and required documentation.
- Managed and updated servicing and collections files accurately to ensure compliance, transparency, and audit readiness for stakeholders.
- Collaborate with internal teams to reduce delinquency rates and financial losses, focusing on collections initiatives that support borrower retention and investor profitability.
MORTGAGE LOAN SPECIALIST I
Community Loan Servicing
Coral Gables
01.2021 - 06.2022
- Explained loss mitigation options to borrowers, helping them understand loan modifications, forbearance, repayment plans, short sales, and deeds-in-lieu of foreclosure.
- Ensure strict adherence to federal and state regulations, investor requirements, and company policies in a remote work environment.Conduct comprehensive financial assessments of borrower income, expenses, assets, and liabilities to accurately evaluate hardship and repayment capacity.
- Analyzed delinquent mortgage portfolios to identify high-risk accounts and develop loss mitigation and collection strategies, improving overall portfolio recovery.
CHARGEBACK ANALYST III
Co-Op Financial
Fort Worth
02.2018 - 12.2020
- Investigated and resolved chargeback cases by researching claims of fraud, errors, or unauthorized charges, ensuring timely resolution.
- Documented and presented compelling evidence (representment) to dispute chargebacks, successfully recovering funds for the merchant.
- Analyzed patterns of fraud, billing errors, and process breakdowns; created reports and recommended improvements to enhance processes.
- Communicate: Liaise with customers, internal teams, payment processors, and financial institutions.
- Maintain Compliance: Stay updated on evolving card network rules (Visa, Mastercard) and banking regulations.
Education
High School Diploma -
Topeka West High School
Topeka, KS04-2007
Skills
- Loan servicing
- Default collections management
- Foreclosure prevention
- Financial analysis
- Banking operations
- Quality assurance
- Accounts Payable and Receivable
- Data Entry & Document Management
- Microsoft Office Suite (Excel, Word, Outlook, Teams)
- Remote work management
- Problem solving
- Team collaboration
- Customer service support
Timeline
NEGOTIATING SPOC
Newrez
06.2024 - Current
HOME SOLUTIONS SPECIALIST II
Nationstar Mortgage DBA Mr. Cooper
06.2022 - 04.2024
MORTGAGE LOAN SPECIALIST I
Community Loan Servicing
01.2021 - 06.2022
CHARGEBACK ANALYST III
Co-Op Financial
02.2018 - 12.2020
High School Diploma -
Topeka West High School