Donna Byrd
McKinney
Summary
I'm a Mortgages professional with over 28 years of experience in the mortgage industry. Most of my experience has been in Mortgage Loss Mitigation working with FHA, VA, and USDA delinquent accounts.
Overview
32
32
years of professional experience
Work History
Negotiation SPOC
Shellpoint Mortgage Servicing
04.2023 - Current
- Single Point of Contact (SPOC) assigned a portfolio of non-performing assets to contact, negotiate and complete loss mitigation alternatives to minimize foreclosure losses.
- Manage specialty functions within the SPOC department such as liquidation outcomes, bankruptcy customers, and high value customers.
- Review financials and monthly expenses to determine according to FHA, VA, USDA and GNMA guidelines, what workout options homeowner qualify for per the Waterfall.
- Analyzed and select the appropriate option for resolving delinquency includes loan modifications, repayment plans, FHA recovery SAPC, and deed-in-lieu.
- Maintain a pipeline of 310 loans for review for Loss Mitigation assistance.
MB Operation Sr. Specialist III
JPMorgan Chase
04.2020 - 11.2022
- Doc QC – This process requires a thorough knowledge of the servicing systems, with the Interest Only, Balloons, and Modifications. Specialized knowledge with the ability and understand mortgage loan documents, including the Note and Modification worksheet.
- I worked collaboratively with internal business partners to report and resolve loan modification issues. Doc QC is the final review of the Final Modification documents signed by the customer.
Sr. Loss Mitigation Specialist
JPMorgan Chase
08.2014 - 04.2020
- Review Conventional, FHA, VA, Private and USDA mortgages for Modification requirements.
- Knowledge of guidelines and workout programs such as Hamp, BAU and Repayment Plans.
- Manage reviewing files for the necessary financial documents and request additional documents if needed to complete Underwriting review.
- Review loans to ensure documentation is following the investor guidelines.
Loss Mitigation Underwriter Jr.
JPMorgan Chase
07.2011 - 08.2014
- Review and analyze borrower documentation to determine income and repayment ability.
- Assess borrower hardship, analyze housing expenses, and determine proper Loss Mitigation resolution to resolve the delinquency.
- Review the recommended foreclosure prevention alternative offered to the homeowner to ensure investor guidelines are complying.
- Analyze delinquency status and perform escrow analysis.
Sr. Mortgage Loan Closer
Nation Star Mortgage LLC Mr. Cooper
11.2010 - 04.2011
- Exercised familiarity with New RESPA Rules
- Prepared closing instructions for Conventional, FHA, USDA, and VA loans.
- Review Title Policies, Credit Reports, Flood Cert, VOE’s and Appraisals.
- Reviewed and approved the HUD Settlement Statement.
- Ensured all RESPA guidelines are complying before approval of final HUD.
- Release the final Truth in Lending after HUD approval.
- Resolved any problems that may occur in the process of closing the loan.
- Obtained status of loan disbursement and funded the loan.
- Worked closely with the title company agents/attorney, loan officer, borrowers, and brokers in the process of closing the loan.
Loss Mitigation Specialist
Capital One Mortgage
01.2008 - 11.2010
- Review Conventional, FHA, VA, Private and USDA mortgages for Modification requirements.
- Knowledge of guidelines and workout programs such as Hamp, BAU and Repayment Plans.
- Manage reviewing files for the necessary financial documents and request additional documents if needed to complete Underwriting review.
- Review loans to ensure documentation is following the investor guidelines.
Sr. Mortgage Closer
Regions Financial Corporation
01.1994 - 01.2008
- Prepared closing instructions for Conventional, FHA, USDA, and VA loans.
- Review Title Policies, Credit Reports, Flood Cert, VOE’s and Appraisals.
- Reviewed and approved the HUD Settlement Statement.
- Ensured all RESPA guidelines are complying before final HUD approval.
- Release the final Truth in Lending after HUD approval.
- Resolved any problems that may occur in the process of closing the loan.
- Obtained status of loan disbursement and funded the loan.
- Worked closely with the title company agents/attorney, loan officer, borrowers, and brokers in the process of closing the loan.
Education
Some College (No Degree) - Business coursework
Ashford University
Phoenix, AZEastern Arkansas Community College
Forrest City, ARSkills
- Customer and Client Focus
- Creative Problems Solving
- Team-Player
- Outstanding Organizational Skills
- Data Collection & Entry
- Outstanding Attention to Details
- Ambition Initiative-taker
- Self-Motivated
- Due Diligence
- Able to recognize what needs to be done, and initiates action promptly
- Ability to work in a high volume, fast paced, time-sensitive environment
- Customer Satisfaction
- Black Knight Lending Portal (MSP-Director 7)
- Microsoft Words
- Windows XP
SOFTWARE SKILLS PROFICIENCY:
- LMS – Loss Mitigation System
- Enterprise Image Viewer (EIV)
- Lender Live
- FHA Connection
- Prioritization
- Oral and Written Communications
- Multitasking and tracking of files
- High volume lender experience
- Negotiation expertise
- Collections experience
- Loan modification
- Submitting files for Underwriting
- Portfolio management
- Dependable and responsible
- Multitasking
SKILLS:
Timeline
Negotiation SPOC
Shellpoint Mortgage Servicing
04.2023 - Current
MB Operation Sr. Specialist III
JPMorgan Chase
04.2020 - 11.2022
Sr. Loss Mitigation Specialist
JPMorgan Chase
08.2014 - 04.2020
Loss Mitigation Underwriter Jr.
JPMorgan Chase
07.2011 - 08.2014
Sr. Mortgage Loan Closer
Nation Star Mortgage LLC Mr. Cooper
11.2010 - 04.2011
Loss Mitigation Specialist
Capital One Mortgage
01.2008 - 11.2010
Sr. Mortgage Closer
Regions Financial Corporation
01.1994 - 01.2008
Some College (No Degree) - Business coursework
Ashford University
Eastern Arkansas Community College
PROFESSIONAL DEVELOPMENT
Business course, American Institute of Banking, Little Rock, AR