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Phil Clay is a seasoned executive in mortgage servicing, currently serving as SVP Mortgage Servicing Executive at Bank of America since 2012. Previously, Phil held various roles at JPMorgan Chase, including Vice President - Default Executive and Vice President Home Equity Loss Mitigation and National Recovery Manager from 1998 to 2012. Phil began their career at Household International, where they worked as a Department Manager in Collections from 1986 to 1997, overseeing various positions in underwriting and collections. Phil earned a Bachelor of Science in Business Administration with a focus on Marketing from PennWest Clarion in 1984.