Document Specialist
Resume:
Internal
JENNIFER RATHGEB
Maple Shade, New Jersey, 08052
Email: ***************@*****.***
SUMMARY OF QUALIFICATIONS:
Excellent oral and written communication skill, detail oriented, strong organizational skills, experienced adapting to changing work environments, comfortable working as part of a team or working independently and effective at multitasking.
EMPLOYMENT HISTORY:
PROGRAM SUPPORT SPECIALIST: April 2025 – Current
NJEDA - Main Street Acquisition Support Grant – Remote
• Served as the primary point of contact for Applicant inquiries related to the Main Street Acquisition Support Grant. Assessed Applicants needs through preliminary discussions, ensuring Applicants understand eligibility requirements, ensure that the program's goals are met and that small businesses are successfully supported throughout the application and approval process. Conducted with a focus on responsiveness, clarity and the explanation of necessary documentation.
• Performed due diligence and thorough review of HUD-1/Closing Statements, Deeds, Titles, Mortgage Agreements, Appraisals, invoices, receipts, and other financial documentation with the ability to determine legitimacy and completeness.
• Managed multiple Applications and detail tracking of Applicant interactions and emails via CRM.
• Conducted outreach activities to engage New Jersey small business owners and the New Jersey business community to promote the program and drive application volume. Performed outreach calls and sending emails to attract new leads and sustain relationships with ongoing partners. Scheduled and participated in informative webinars to cities, townships, business associations and new businesses requesting more information in the Main Street Acquisition Support Grant.
• Proactively engaged with potential applicants and business organizations to promote all NJEDA's financing and incentive resources. Implemented targeted marketing strategies to increase awareness and use of available programs. APPRAISAL COORDINATOR: 3 YEARS (2020 – 2024)
TD Bank – Remote
• Monitor and process internal requests
• Forward bids to the Relationship Managers, engaging due diligence, tracking, and reporting status, and distributing reports to the proper Appraisal Review Specialist
• Interaction with Relationship Managers, Loan Closers, and appraisal vendors in addition to Appraisal Review Specialists, Section Managers and Chief Appraiser
• Responsible for the pipeline management of all pre-report delivery issues that are met from the date the appraisal order request is received, to the delivery of the completed report.
• Served as a liaison between the Service Provider and our Internal Business Partners and communicates various needs using various mediums including the Appraisal Portal, email and direct voice contact.
• Responsible for ordering correct Service according to Loan Amount, type of Loan and property accordingly.
• Review of documents for complete execution and proper language according to the order.
• Obtain proper contacts for Appraiser to successfully schedule inspection and any inquiries.
• Updated Order regarding delays, requests, approvals and communications to properly document the status and issues occurred.
Internal
COMMERICAL LOAN SPECIALIST II: 2 YEARS (2018-2020) TD BANK – Cherry Hill, NJ/Remote
• Manages a loan pipeline from origination through to closing and funding following Bank policies and procedures
• Provides documentation and Bank policy and procedure guidance to all lending areas
• Conducts searches and performs necessary due diligence
• Ensures all applicable loan documentation is uploaded to image repository system
• Oversees loans that are complex in nature ensuring all documentation are complying of Bank Standards. Resolves complex issues relating to closings
• Verifies all quality control procedures are supported and monitored
• Serves as a resource for Loan Specialist I
• Ensures all loans are closed without critical, noncritical or regulatory exceptions
• Ensures all required loan conditions (insurance, collateral, etc.) are sufficient and properly documented and in compliance with bank policy
• May manage/confirm TD changes be consistent with system requirements
• Evaluates best course of action considering bank policy, regulatory requirements, impact to the customer, and impact to the bank as well as cost factors
• Manages/takes proper actions to ensure loans are ready to be funded, booked and properly set-up if necessary
• Generates and maintains loan documentation from beginning to finish ensuring adherence with compliance with bank policy procedures regulatory requirements and lending conditions
• Establishes relationships with applicable operation teams, relationship management team, credit offers, and others as needed
• Acts as liaison with bank counsel, compliance, asset-based lending, leasing, government banking, derivatives, construction loan administration, brokers, international department, and various other parties to the loan as needed FORECLOSURE LEGAL ASSISTANT – DEFAULT: 2 YEARS (2017 – 2018) Pluese, Becker & Saltzman, LLC – Mount Laurel, NJ
• Review of all property Title documents for NJ State requirements/compliance including Mortgage, Mortgage Riders, Deeds, Deed Transfers, Loan Modifications, Wills, Surrogate Searches, Liens, HOA Agreements, Judgment Searches/Upper Court Searches, Assignments, Notes, Tax History, Legal Descriptions.
• Prepare and review all Default documents and submit to New Jersey Court System for filing and proceeding with foreclosure action to judgment.
• Research all defendants joined in Complaint pertaining to current address, credit history, taxes, Wills, Surrogate Searches.
• Review all required Servicer Release or transfer of Assignments and Notes to complete Chain of Title and proper recording with County.
• Ensure proper billing for all documentation, mailing and litigation for each case.
• Provide communication and quality control of each stage of foreclosure with Clients, Servicers and New Jersey Court System.
FORECLOSURE LEGAL ASSISTANT/FRONT END/PRE-COMPLAINT: 6 YEARS (2010-2016) Phelan, Hallinan, Diamond & Jones -Mount Laurel, NJ
• Review of all property Title documents for NJ State requirements/compliance including Mortgage, Mortgage Riders, Deeds, Deed Transfers, Loan Modifications, Wills, Surrogate Searches, Liens, HOA Agreements, Judgment Searches/Upper Court Searches, Assignments, Notes, Tax History, Legal Descriptions.
• Review all required Servicer Release or transfer of Assignments and Notes to complete Chain of Title and proper recording with County.
• Identification of Mortgage lien position, Home Equity Loans and Purchase Money Mortgage/Non- Purchase Money Mortgage.
Internal
• Review of compliance with NJ Fair Foreclosure Act of all correspondence with borrowers including NOI Letters and Default Letters.
• Contact Clients, Banks, and Mortgage Entities for any missing documentation added requirements and clarification for overall progress of Foreclosure to Sherriff Sale adhering to timeline restraints and FHA deadlines.
• Research all defendants joined in Complaint pertaining to current address, credit history, taxes, Wills, Surrogate Searches.
• Oversee training of new employees and progression within department. Implicated multiple Standard of Procedures & Policies Guidelines for training purposes of multiple departments.
• Distribution of bulletins and updates of procedures provided by Clients, State of NJ or NJ Office of Foreclosure regarding state regulations, entity acquisitions and Bank mergers. Provide additional clarification of changes for each department.
• Proficient in Client sites, County Record sites and searches including: JEFIS (NJ Electronic filing and records), ACMS (NJ Court filings), NJ County Public Record sites, Black Knight, Tempo, Lenstar, Vendorscape, NJ Tax Records, Lexis Nexis, Waltz, Pacer, SCRA
JUNIOR ARCHITECT/ARCHITECTURAL ASSISTANT & INTERIOR DESIGN CONSULTANT: 7 YEARS (2004-2010)
Garrison Architects -Mount Laurel, NJ
• Architectural Assistant: Input existing drawings into AutoCAD. Survey existing buildings, schools & colleges and modify plans for engineering and design purposes. Assist in developing design, floor plan, elevations, reflected ceiling plan, furniture layout, etc.
• Maintain designs complying with state building codes. Producing finish boards for presentation. Ordering & updating samples, catalogs & new products.
• Office Manager: Coordinating and Assisting with Engineers, Contractors, & Owners. Performing daily office assistance and clerical work with transmittals, shop drawings, faxes & shipping, arrange, file, and handle correspondence, data inputting, record keeping, and other administrative and clerical duties. EDUCATION:
BACHELOR'S DEGREE - INTERIOR & ARCHTECTURAL DESIGN Arcadia University - Glenside, PA 2001-2003
ADDITIONAL PROGRAMS & SKILLS:
CRM, Sharepoint, SalesForce, RIMS, Encompass, JEFIS (NJ Electronic Filing System), ACMS (Public Record Filings) Vendor Scape; Black Knight, Tempo, Lenstar New Jersey County Clerk Records – Mortgages, Deeds, Surrogates, Property Liens and Taxes, Lexis/Nexis Searches, Charles Jones Searches – Judgment and Bankruptcy, Title Searches, Corporate Status Searches, PACER – Bankruptcy Records, SCRA – Military Status, Microsoft Word, Microsoft Outlook, Word Perfect, Excel, Photo Shop, Adobe, AutoCAD R12, AutoCAD 2000 – 2006, Comprehension of Site, Architectural, Structural, Mechanical, Electrical, Plumbing and Engineering Plans
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