Heather Papows

Senior Consultant at Spillane Consulting Associates
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Contact Information
us****@****om
(386) 825-5501
Location
United States, US

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Experience

    • United States
    • Banking
    • 1 - 100 Employee
    • Senior Consultant
      • Nov 2021 - Present
    • United States
    • Banking
    • 1 - 100 Employee
    • Vice President, Loan Operations
      • Aug 2019 - Nov 2020
    • United States
    • Banking
    • 1 - 100 Employee
    • Assistant Vice President, Loan Servicing & Secondary Market
      • Oct 2017 - Aug 2019

      Manager of Loan Serivicing and Secondary Market department; responsible for all residential, commercial, and consumer loan portfolio

    • Assistant Manager, Loan Servicing & Secondary Market Officer
      • 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

    • Officer - Loan Servicing & Secondary Market
      • 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

    • Senior Loan Servicing & Secondary Market Assistant
      • 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

    • United States
    • Banking
    • 1 - 100 Employee
    • Loan Servicing
      • 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

    • Teller
      • 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

    • Commercial and Residential Lending Administrative Assistant
      • 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

Education

  • University of New Hampshire - Whittemore School of Business and Economics
    Business Administration, Finance & Management
    2005 - 2009
  • New England School for Financial Studies
    Community Banking

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