Jacqueline Shade Email & Phone Number

Honey Brook, Pa, Us

Ephrata, Pennsylvania, United States

•Open loans/pre-process loans summited by loan officers in a timely manner and assign to loan processors•Deliver closed loan files to secondary market investors, clear any exceptions/stipulations to assure timely purchase•Pay Guarantee fee/UFMIP/Funding fee and obtain Loan Note Guarantee/Mortgage Insurance Certificate/Loan Guarantee Certificate on government loans•Fulfill Quality Control requests from investors, mortgage insurance companies, auditors; respond to any findings•Act as liaison for Third Party Originators (TPO) and administer support for TPO Connect; Oversee all facets of incoming TPO loans including systems maintenance, note certification and review of closed loans for purchase, prepare and issue credit memos and purchase advices•Generate various daily, weekly and monthly reports•Process Loan Modification Agreements•Prepare updated aggregate escrow disclosures for Loan Operations•Process administration for HELOC and other applicable consumer products•Monitor mortgage pipeline to ensure key dates are met and loans are opened and post-closed in a timely manner which meets service standards and quality expectations•Provide second level escalation support for Residential Lending Loan Coordinators to promptly and proactively respond to questions, concerns and issues as they may arise•Develop new and update current procedures to improve efficiency and ensure quality within the Residential Lending Loan Coordinator function

Exton, Pennsylvania, United States

•Evaluated and prepared accurate and compliant documents for Commercial, Commercial Real Estate, and Construction loan requests using LaserPro software and/or Word templates•Researched Governmental and public records to assess borrowing entity, guidelines for lien perfection, purchase money notifications, and authorizations of signers associated with an LLC, LLP and Trust•Submitted completed loan documentation to Quality Control for secondary/final review•Collaborated between Lenders, counsel, and possible outside vendors to reduce bank’s risk•Reviewed loan requests and credit approvals to determine the loan intent and loan structure•Generated loan documentation forms utilizing LaserPro and/or Word templates•Resolved any inconsistencies or obtain missing items, by effectively communicating with Lenders, Relationship Assistants, Credit Analysts and/or Legal Counsel via email or telephone, in a timely manner •Reviewed documents for accuracy and regulatory compliance paying attention to rates, terms, covenants, guarantees, etc•Sent final documents, to the lender for final review and acceptance•Ensured that all required due diligence documents, including insurance is provided in order protect the bank’s security interest for Commercial, Commercial Real Estate, Construction and SBA loan requests•Prepared internal boarding for SBA loans•Completed a post close review of executed documents for any missing documents or document deficiencies and creates any follow up tracking ticklers for them •Created collateral tracking ticklers utilizing Jack Henry’s LoanVantage system

(Laid off due to work force reduction)•Ordered titles from title companies, inspected titles once delivered for issues, set up escrows for taxes in files in Encompass, updated title fees off title company prelim CD and confirmed loan closings with title companies•Collected home owner’s insurance and flood insurance from insurance agents and reviewed policies once received for sufficient coverage for loans•Requested preliminary Certificates of Disclosures on files and retrieved payoffs and updated files accordingly•Executed final verification of employments prior to closing to make sure borrowers were still employed by employer stated on application•Moved files into closing once files were clear to close and verified all underwriter conditions prior to moving files into closing•Communicated with borrowers when necessary to get items necessary for loans•Certified for NY loans•Used Microsoft Teams for daily team pipeline meetings and to call internal and external customers

Exton, Pennsylvania, United States

•Broke down loan packages sent by correspondents and input loans into Encompass / Mortgage Servicer •Analyzed files for accuracy and missing items - Calculated income and audited assets to make sure information was sufficient for loan approval•Typed up approvals to send to correspondents and reviewed conditions sent over by correspondents for final approval•Underwrote retail loans to company / Fannie Mae guidelines and verified HMDA information in Encompass•Helped in closing area when directed clearing closing conditions, funding loans, ordering wires in Experience and uploading loans into Synergy•Monitored Excel spreadsheets for work flow reports when locking loans for correspondents •Kept co-workers up to date on FHLB guideline changes and worked on department manuals for training purposes

Exton, Pennsylvania, United States

•Prepared file information for closing (Conventional, ARM’s, Jumbo, FHA, VA, USDA, CRA with grants)•Input loan information into Integra•Generated fee sheets with closing figures to send to closing agents•Sent closing documents and wires to the title companies or attorneys•Approved / Balanced Settlement Statements for closings and cleared closings and funded loans once closed•Cleared loan conditions required by investors to purchase loans and delivered loans to investors for purchase•Priced / locked loans with investors and maintained regulatory compliance•Cross trained in different areas of the department to provide back up when people were out

Media, Pennsylvania, United States

(Laid off due to work force reduction)•Processed and underwrote mortgages to investors guidelines•Sold mortgages to customers when loan officer was out of the office •Over saw daily operations of the office when manager was out of the office•Input loans into Calyx Point and pulled credit reports •Priced and locked loans with investors and ran loans through different lenders underwriting systems•Drew loan documents and ordered wires for closings•Contacted customers for items that are required to complete the loans •Post closing on closed loans•Updated excel spreadsheet reports for loans and payroll

Various, Pennsylvania, United States

(Volatile Time for Market - Laid off due to work force reductions &/or reorganizations)

West Chester, Pennsylvania, United States

Loan Servicing – escrow analysisReconciled Bank Accounts

East Petersburg, Pennsylvania, United States

Knowledge of Fiserv and LaserPro systemsCommercial loan draws UCC’s – renewals and terminationsPosted payments / payoffsBoarded loans into systemsConstruction, Dealer and Consumer loans