Jacqueline Whitehead
Richmond,VA
Summary
Fantastic critical thinker connects seemingly separate details and keep up-to-date on regulations. Proficient in critical thinking and solutions-oriented problem-solving. Proven ability to enhance process efficiency and resolve complex issues, demonstrating strong analytical skills and effective communication. Adept at managing pipelines and ensuring adherence to regulatory guidelines.
Overview
16
16
years of professional experience
Work History
Sr. Tax Credit Contract Specialist
VIRGINIA HOUSING
Richmond, VA
06.2022 - Current
- Supports departmental review and processing of all reservation and allocation documentation, including LIHTC Reservation Agreements, Contracts to Enforce, 42M letters, Extended Use Agreements, Carryforward Allocation Agreements, Schedule A's, Exhibit B's, Development Summaries, Owner's Certifications, 10% Test documentation, and Attorney's Opinions
- Responsibilities include: Opening, creating, and maintaining hard-copy and computer files for tax credit reservation and allocation in an organized manner
- Preparing correspondence and initial drafts of the Virginia Housing reservation and allocation documents
- Conducting a preliminary review of reservation and allocation documents, complete by counsel, LIHTC division, and other required submissions
- Determining their completeness and obtaining any missing documentation before forwarding the package to the appropriate development partners, Allocation Officers, Director, or counsel for final approval
- Acting as a liaison between applicant staff and other necessary outside parties, the Virginia Housing counsel, and Virginia Housing Allocation Officers
- Working collaboratively with Allocation Officers, Legal, Compliance, Rental Business Analyst, Asset Management, and Finance associates
- Addressing questions and resolving issues related to items from the time of credit reservation through placed in service (PIS)
- Responsible for producing and reviewing IRS forms 8609 for final issuance and monitoring and tracking 8609's in preparation for the annual 8610 filing with the IRS
- Accountable for tracking all annual 8609 updates
- Charged with maintaining the 8610 spreadsheet and producing copies of 8609s
- Manage the logging, collecting data, and fulfilling FOIA requests
- Reviewed Low-Income Housing Tax Credit (LIHTC) 4% and 9% deals
Part-time WOTC Program Support Technician
VIRGINIA EMPLOYMENT COMMISSION
Richmond, VA
05.2022 - 06.2022
- Received, sorted, filed, scanned and processed tax and/or labor program applications
- Reviewed the applications and form 8850 for eligibility criteria, accesses and reviewed paper and electronic records/documentation, verified compliance with requirements and issued determinations
- Entered information into a customized data base and reviewed and researched appeals from employers regarding denied decisions
- Acts as a contact for employers, applicant’s attorneys, and agents in respect to assigned programs
Cash Room Clerk | Customer Service Representative
DILLARD’S
Richmond, VA
11.2021 - 06.2022
- Assisted customers with purchases, returns, product issues, and referrals
- Maintained knowledge of all retail procedures in order to process sales transactions accurately in the store and at events
- Supervised shop opening and closing functions, including handling change requests and safe access
- Maintained accurate cash controls while performing daily balance customer transactions
Loan Coordinator
GUARANTEED RATE
Chicago, IL
11.2020 - 07.2021
- Processed residential mortgage loans to ensure compliance with bank, investor and secondary market standards
- Met performance metrics and goals established by the bank
- Developed and maintained a strong understanding of Mortgage Lending products, policies, processes, and their required documentation
- Obtained required credit and compliance documentation per program requirements from internal clients, external clients, vendors, and third-party sources
- Performed detailed review of all documentation to ensure that loans met portfolio and investor guidelines
- Provided consistent communication on loan status to clients to ensure a smooth process to close on time
- Ensured that loan quality standards were met when submitting loans to underwriting
Senior Mortgage Loan Processor
CITY LENDING
Vienna, VA
08.2020 - 11.2020
- Processed loan application files in accordance with the Bank's policies and procedures
- Issued a Needs List to applicants and brokers and collect requested documents, filing them appropriately
- Verified application data was complete and met established standards and regulatory compliance
- Secured information for loan packages, including title reports, borrower financials, credit reports, and real estate contracts
- Organized allocation of fees and prepared ledgers for related accounting and disbursement
- Insured loan process adhered to all applicable compliance regulations, including Bank Secrecy Act, Right to Financial Privacy and Fair Lending
- Coordinated, obtained, and reviewed pre-closing conditions, including hazard insurance requirements
- Monitored and maintained loan application packages in pipeline
Paralegal | Office Manager
WHITEHEAD & WHITEHEAD LEGAL CONSULTANT
Richmond, VA
02.2009 - 08.2020
- Prepared Privacy Policy, Terms and Agreements, Powers of Attorney, Non Disclosure Agreements, contacts, 501(C)3 applications for non-profits, uploaded electronic documents to proper systems
- Drafted correspondence to clients and other attorneys
- Relayed information to clients with a high level of integrity and professionalism
Senior Operations Production Representative
CAPITAL ONE
Richmond, VA
02.2019 - 07.2020
- Initiated chargeback investigations to completion to ensure our merchants are compliant per Card rules and regulations and worked with merchants on chargeback remediation plans
- Assisted and advised accountholder regarding their disputes either verbally or in writing
- Completed understanding and accurate application of Regulation Z
- Worked all representments, compliance, and arbitration cases within the time frames given for both disputes and fraud files
Senior Mortgage Loan Analyst
TOWNEBANK
Richmond, VA
08.2017 - 11.2018
- Processed 30-35 Conventional, FHA, VA, USDA, and VHDA (plus and grant) loan files
- Obtained and analyzed income, bankruptcy documents, assets, and credit reports, checking accuracy of information on reports
- Requested necessary updates from credit bureaus when inaccuracies were found
- Opened Escrow accounts, and ordered and reviewed title polices, warranty deeds, payoffs, appraisals and releases
- Liaised with borrowers, underwriters, and realtors
Senior Mortgage Loan Processor III
SUNTRUST
Glen Allen, VA
04.2016 - 07.2017
- Reviewed files within 48 hours of receipt to submit file to submit to underwriting
- Maintained a pipeline of 40-45 Conventional and Doctor loans for multiple loan officers
- Reviewed DU/LP, requested documentation to clear conditions, level 3 clearing authority
Mortgage Support Analyst
SUNTRUST (VEREDUS)
Glen Allen, VA
09.2015 - 03.2016
- Performed intake activities related to support of end-users
- Documented problems they were experiencing, gathered information necessary for problem resolutions
- Provided support by troubleshooting activities for standard problems encountered by end-users
- Followed established methodologies or procedures to determine end-user problems and provided a solution
- Worked within standard guidelines and made decisions according to those guidelines
Education
Master of Prophetic Ministry -
01.2021
Associate of Science -
Paralegal
01.2008
Skills
- Low-Income Housing Tax Credit
- Pipeline Management
- Contract Review
- Underwriting
- Mortgage Loan Processor
- Mortgage Loan Closer
- Pre-quality auditing (PQA)
- Mortgage Loan Auditor
- Process Improvement
- FOIA Officer
- Demonstrated ability to interpret state, federal, and regulatory guidelines and policies, including RESPA, TILA, and Reg X, Reg Z
Timeline
Sr. Tax Credit Contract Specialist
VIRGINIA HOUSING
06.2022 - Current
Part-time WOTC Program Support Technician
VIRGINIA EMPLOYMENT COMMISSION
05.2022 - 06.2022
Cash Room Clerk | Customer Service Representative
DILLARD’S
11.2021 - 06.2022
Loan Coordinator
GUARANTEED RATE
11.2020 - 07.2021
Senior Mortgage Loan Processor
CITY LENDING
08.2020 - 11.2020
Senior Operations Production Representative
CAPITAL ONE
02.2019 - 07.2020
Senior Mortgage Loan Analyst
TOWNEBANK
08.2017 - 11.2018
Senior Mortgage Loan Processor III
SUNTRUST
04.2016 - 07.2017
Mortgage Support Analyst
SUNTRUST (VEREDUS)
09.2015 - 03.2016
Paralegal | Office Manager
WHITEHEAD & WHITEHEAD LEGAL CONSULTANT
02.2009 - 08.2020
Master of Prophetic Ministry -
Associate of Science -
Paralegal
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