Heather Papows
Senior Consultant at Spillane Consulting Associates- Claim this Profile
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Bio
Experience
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Spillane Consulting Associates
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United States
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Banking
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1 - 100 Employee
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Senior Consultant
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Nov 2021 - Present
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North Shore Bank, A Co-operative Bank
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United States
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Banking
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1 - 100 Employee
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Vice President, Loan Operations
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Aug 2019 - Nov 2020
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Beverly Bank
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United States
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Banking
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1 - 100 Employee
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Assistant Vice President, Loan Servicing & Secondary Market
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Oct 2017 - Aug 2019
Manager of Loan Serivicing and Secondary Market department; responsible for all residential, commercial, and consumer loan portfolio
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Assistant Manager, Loan Servicing & Secondary Market Officer
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Sep 2014 - Oct 2017
Promoted to Assistant Manager position while maintaining my status as a Bank Officer - Entrusted with the responsibility of having two direct report employees- Focused more on managerial tasks and reporting for senior management and Board officials- Training new employees to take over many day-to-day activities - Project manager for many department enhancements such as: working with outside vendors to set up interfaces, and streamlining products for LOS system
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Officer - Loan Servicing & Secondary Market
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Apr 2014 - Sep 2014
- Promoted to an Officer of the Bank -Responsible for all report generation related to: Residential and Commercial loan portfolio, Collateral loans, FHLB pledged loans, CRA Reporting, and Board reports-Oversee all functions of residential and commercial loan servicing - Set and publish mortgage rates daily and manage commitments- Ensure timely delivery to investors while also monitoring pull-through rates and maintaining positive investor relations
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Senior Loan Servicing & Secondary Market Assistant
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Nov 2011 - Apr 2014
Responsible for all servicing related duties which include:-Booking of all new commercial, residential mortgage and consumer loans-Management of construction and participation loan portfolios-Transmission of loan sale documentation to investors-Provide supervisory guidance to loan servicing representative-Complete all investor remittance proofsAlso responsible for Secondary Market functions which include:-Set daily mortgage rates based on market conditions-Complete loan rate pricing and locks with investors -Manage commitment expirations and monitor monthly income Show less
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Cape Ann Savings Bank
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United States
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Banking
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1 - 100 Employee
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Loan Servicing
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Dec 2009 - Nov 2011
Responsible for servicing of all commercial, residential, and consumer loans which included:-Funding and booking of all new loans-Review of all loan maintenance and loan payments, and completing corrections as necessary-Monitoring of AMI rate and payment changes -Oversight of transfer management system for automatic loan payments-Facilitated system changeover for commercial servicing
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Teller
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Jun 2009 - Dec 2009
- Completed financial transactions for customer needs including deposits and withdrawals- Assisted others with balancing teller drawer and correcting transactional errors - Entrusted with access to Vault for cash needs of teller line- Trained new staff on proper procedure for completing job tasks
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Commercial and Residential Lending Administrative Assistant
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2007 - Jun 2009
-Responsible for all clerical duties as they related to residential and commercial loans- Prepared discharges, commitment letters, legal documents for closings, and other necessary documentation- Prepared collection letters for customer delinquencies- Assisted commercial customers with business banking/cash management system
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Education
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University of New Hampshire - Whittemore School of Business and Economics
Business Administration, Finance & Management -
New England School for Financial Studies
Community Banking