Jon Ballard

Vice President, Field Servicing

PMI

Jon is a member of PMI’s Homeownership Preservation Initiatives (HPI) team. He comes to PMI with over 24 years of experience in the mortgage industry, previously with 18+ years in mortgage insurance with Radian Guaranty, Inc. His broad range of experience spans loan origination, default servicing, loss management, counterparty policy, risk management, structured finance and international mortgage risk. Jon is responsible for PMI’s direct borrower outreach programs, on-site loss mitigation team and business partner initiatives.

Robert Bridges

General Counsel / VP Operations

Williams & Williams

Robert Bridges is a licensed attorney and a member of multiple state and local bar associations, as well as the Federal Bar Association.

Mr. Bridges is also licensed to practice before the Federal Court – Northern & Eastern Districts. He completed his undergrad degree with honors from West Texas A&M University, where he earned a Bachelor of Science, emphasis on public relations and mass communications. Mr. Bridges next attended Oxford University for Comparative International Law and then received his Juris Doctorate from Southern Methodist University.   

Amilda Dymi

Managing Editor, Web Editor

Mortgage Servicing News

In addition to servicing issues Amilda covers affordable housing, mortgage products and credit counseling for National Mortgage News and Origination News. She is the editor of Home Equity Wire, a bi-monthly newsletter also published by SourceMedia¹s Banking/Mortgage Group.

Jeff Freud

Founder and President

LoanMarket.Net

Jeff Freud is the founder and president of LoanMarket.Net, an online marketplace for buying and selling both performing and non-performing real estate-secured notes. As a neutral, open marketplace, LoanMarekt.Net brings full pricing transparency and efficiency to the traditionally opaque secondary market for real estate secured debt investments. A mortgage professional for 19 years, Jeff’s experience covers the full range of the mortgage industry including mortgage brokering and origination, mortgage banking, the purchase and sale of real estate-secured mortgages, and private investor-funded mortgage pools. Prior to LoanMarket Jeff founded EQ Managers Inc. where he developed and launched three Regulation D investment pools (EQ Partners LLC, I, II, III)

Yvette W. Gilmore

Senior Director, Loss Mitigation Servicing
Default Asset Management

Freddie Mac

Yvette Gilmore has been the mortgage servicing industry for 17 years; she came to Freddie Mac in 2006 as a Director in Non-Performing loans. Currently she serves as the Senior Director of the Loss Mitigation Servicing Department. Yvette is responsible for the development and execution of loss mitigation strategies as well as Master Servicing oversight of default servicing operations to include: Homeownership Preservation, Liquidations, T-deals.

Daniel B. Gotlieb

Loss Mitigation

Desert Schools Federal Credit Union

More than 15 years in the banking/lending industry, including Loss Mitigation, Vendor Management, Operations/Servicing, with deep Agency and Non-Agency experience. Formally trained in Risk Management and all levels of Loss Mitigation, OREO/Asset Disposition, and Product Development.

Jennifer Harmon

Editor

Managing REO

Jennifer has been Editor of Managing REO since 2007. She worked as Managing Editor of the online publication since its planning and inception of the title in April of 2006, reporting the bulk of its coverage of the default, foreclosure and real estate owned arena.

Javid Jaberi

VP of National Servicing Organization

Fannie Mae

Mr. Jaberi has been in Mortgage and Banking industry for over 20 years. Prior to joining Fannie Mae as VP of National Servicing Organization, he worked for GMAC for 10 years as Managing Director and Senior VP, responsible for asset performance servicing, managing over $370 billion of mortgage loans with over 1500 associates at 3 sites and offshore. Primary functional responsibly included Collection, Loss Mitigation, REO, HOPE, Insurance Services and Reporting. Also, he managed the acquisition and servicing of CSA for GMAC-RFC.

Donna Krall

Executive Vice President, National Operations

HEART Financial Services

Donna Krall is the Executive Vice President and National Operations Director for HEART Financial Services, LLC, a leading nationwide provider of end-to-end loss mitigation and home retention services for financial and consumer lending organizations. A former senior executive at Washington Mutual, Chase, CitiMortgage and Lehman Brothers, she has developed and managed multi-million dollar cost reduction initiatives and has created and implemented loan credit quality programs to mitigate loan loss risk and improve overall loan performance. Donna has over 20 years of experience in loan fulfillment operations, customer service, quality management, business process outsourcing (BPO), and process flow development and implementation.

Cheryl Lang

CEO

Integrated Mortgage Solutions

Cheryl Lang is Chief Executive Officer of Houston-based Integrated Mortgage Solutions (IMS), a collateral protection resource for the mortgage servicing industry.  Lang is responsible for the company’s growth through accounting and operation management as well as the development of new products drawn from her deep knowledge of conventional, subprime, and HUD/VA mortgage servicing.  She also conducts onsite visits with clients to maintain positive relationships and feedback on performance and enhancements.

Stephanie Lowe

Vice President, Special Servicing Loss Mitigation

GMAC Financial Services

Stephanie Lowe is a vice president of Special Servicing Loss Mitigation at GMAC Financial Services. In this role, Stephanie is responsible for the management of liquidation and modification workouts on first liens. She also manages post sale loss mitigation and short refinances for both first and second liens. Stephanie has been with GMAC for seven years, most recently as a director in the First Lien Loss Mitigation group. She has also held roles as portfolio manager of First Lien Loss Mitigation and manager on the Designate Emergency Servicing team for Hurricane Katrina. Stephanie holds a BS in Business and Marketing from Baylor University.

Robert Mackey

Director, Servicer Evaluations

Standard & Poor’s

Robert Mackey is a Director in Servicer Evaluations. Bob has been part of the Servicer Evaluation group since joining Standard & Poor’s in 2004. Prior to this position, he was with the Federal Deposit Insurance Corporation, in bank resolutions and compliance oversight in the New York Regional Office.

Steven R. Paton

SVP Loan Administration

Marix Servicing LLC

Steve has over 25 years of experience in the financial services industry, which includes Loan Administration, Default Servicing and Financial Management and Analysis. Steve has extensive experience in Default servicing having managed all areas of Default in different sized operations. Much of his experience is with subprime product but also includes prime, manufactured housing and home equity.

Peggy Santmyer, ABR, CREI, GRI, SRES

Peggy Santmyer obtained her real estate sales license in 1969 and the real estate broker’s license in 1971.

She has stayed connected to the real estate industry ever since. She has actively listed and sold property, managed foreclosure properties, worked in several mortgage loan servicing departments for Dallas Federal Savings and Loan, in Dallas, Texas, and in 1991 started teaching real estate classes.

Margaret M. (“Peggy”) Slattery

Director, Specialty Servicing
Legal & Bankruptcy Loss Mitigation

GMAC Mortgage Corporation

Peggy Slattery has been in the mortgage servicing industry for over 25 years; joining GMAC Mortgage Corporation (“GMAC”) in 2006 as a Director, Default Loan Servicing, Sub-Prime Specialty Servicing. In her current role at GMAC Mortgage, she manages CORE and SPECIAL Loan Servicing for Legal and Bankruptcy Loss Mitigation. Her broad industry knowledge includes loan service delivery, customer service, loss prevention, vendor management, regulatory & legal compliance, collections, foreclosure, bankruptcy, loss mitigation & consumer debt management.

Alex Santos

Managing Director And COO

Digital Risk

Alex Santos serves as Chief Operations Officer and is responsible for delivering all aspects of Digital Risk’s products and services. As a member of the executive team, Alex also develops new products, services and related delivery vehicles for Digital Risk’s clients.

Ken Scheller

Senior Vice President, Home Retention Division

Bank of America

Ken Scheller is the Senior Vice President for the Home Retention Division in Bank of America’s Mortgage Servicing organization. The Home Retention Division encompasses both the Collections and Workout departments, including 13 domestic sites and 3 international sites.

David Sisko

Director, Financial Services Industry Regulatory & Risk Strategy

Deloitte & Touche LLP

Mr. Sisko is a Director and certified Project Management Professional (PMP) in Deloitte & Touche’s Regulatory & Capital Markets Consulting practice in the Charlotte, North Carolina office where he provides credit risk consulting services to the financial services industry. David leads the Default Management (loss Mitigation) service offering for the Firm with over twenty years of diversified industry and consulting experience. In addition to Default Management he has extensive experience in credit processing from originations to recovery within small business, middle market and mortgage lending.

Joseph C. Smith II

Founder, President and CEO

Default Mitigation Management LLC (DMM)

Long term operations executive and consultant serving the Financial Services industries. Joe is the founder, President and CEO of Default Mitigation Management LLC (DMM). DMM was founded in 2003 to assist both borrowers and lenders in working out defaulted mortgage loans. DMM works with lenders on no contact loans by making contact, completing financial packages and for some lenders by completing the full loss mitigation.

Marina Walsh

Associate Vice President

Single Family Industry Benchmarking

Research and Economics

Mortgage Bankers Association

Marina Walsh is an associate vice president in the MBA’s research and economics department, specializing in industry performance benchmarking for residential lenders and servicers. She is MBA's project manager and contact for such studies as the Servicing Operations Study and Forum for Prime and Subprime Servicers, the MBA/STRATMOR Peer Group Survey and Roundtables, the annual Cost Study, the Mortgage Banking Compensation Survey Programs and other ad hoc surveys.