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January 2024 ยป thefivestar.com 25 2 0 0 4 E D I T O R I A L A D V I S O R Y B O A R D Michael Keaton SVP, Default Subservicing, Ocwen Michael Keaton joined Ocwen's Business Develop- ment Team in late 2022 to help grow the special servicing business. Before Ocwen, Keaton was the Chief Servicing Officer at Shellpoint Mortgage Servicing from 2012-2022. Before joining Shellpoint, Keaton held several executive-level roles at Resurgent Capital Services between 2002 and 2012, including VP of Mortgage Servicing and Recovery. He began his career at Wendover Financial Services, where he spent over 10 years, finishing his tenure as VP of Default Administration when Wendover was the nation's largest servicer of subprime mortgage loans. Jane Larkin VP, Default Servicing, Colonial Savings At Colonial Savings, Jane Larkin is responsible for the management and performance of all default-related functions, including strategic planning, collections, loss mitigation, foreclosure, bankruptcy, REO, claims, default reporting, field services, and loss analysis. She received her Bachelor of Science degree from Duquesne University and is an active member of MBA, TMBA, and FWMBA. Michael Merritt SVP, Customer Care & Mortgage Default Servicing, BOK Financial Michael Merritt oversees mortgage servicing contact centers and default servicing divisions at BOK Financial, encompassing Customer Service and Default contact centers, as well as managing the Loss Mitigation Processing, Foreclosure, Bankruptcy, Claims, Post-Sale, and Loss Analysis teams. He previously managed mortgage sub-servicers at Goldman Sachs and played integral roles at Mr. Cooper Mortgage, primarily in Customer Care, Loss Mitigation, and First Line of Defense. Merritt holds an MLS in risk management from Texas A&M School of Law, an MBA from Texas Tech University, and a B.A. in organizational leadership from Arizona State University. Candace Russell VP of Post-Sale Activities, Default Servicing, Carrington Mortgage Services, LLC Candace Russell is VP of Post-Sale Activities in Default Servicing at Carrington Mortgage Services and leads Car- rington's efforts to manage default inventory, as well as reduce enterprise risk factors. Carrington is a vertically integrated real estate and mortgage company that specializes in the lifecycle of single-family assets. Her experience in the mortgage industry is broad and deep, covering mortgage originations, performing loans, loss mitigation, foreclosure, claims, and risk manage- ment. Russell is currently Chair of the Mortgage Bankers Association Loan Administration Committee. Jake Williamson SVP, Single-Family, Head of Collateral & Quality Risk Management, Fannie Mae Jake Williamson is responsible for oversight and management of all end-to-end collateral, loan quality, and operational risk capabilities. These duties include front-end collateral policy design, loan quality control activities for both credit and collateral, condo standards, property valuations designa- tion and modernization, appraisal bias oversight, real estate liquidation options, and Single-Family operational risk management. Kim Yowell EVP of Servicing, Fairway Independent Mortgage Servicing Kim Yowell, CPA, holds a BBA in accounting from Texas Christian University and has over 30 years of management experience in the financial services industry. She started her career in the accounting and finance side of the mortgage business and has been focused on servicing and operations for the past 20 years. Yowell has held key leadership positions at CTX Mortgage Company, First Horizon Home Loans, Metlife Bank, and BoK Financial, and is currently the EVP of Servicing at Fairway Independent Mortgage Corporation. Yowell has also served on the Freddie Mac Advisory Board, the MBA Loan Administration Committee, the Black Knight Servicer Advisory Board, and the Fiserv Servicing Advisory Board. Currently, she is a Five Star National Mortgage Servicing Association member and serves on the Texas Mortgage Bankers Association Board and the MortgagePoint Editorial Advisory Board.