Philippa Silverwood
Elkridge,MD
Summary
I am a motivated individual with excellent administrative, computer and office organizational skills.
I’ve always thought of myself as a people person; my ability to work amicably with a wide variety of people to achieve a positive outcome to all situations is one of my strong points.
My ability to improvise and think on my feet has served me well throughout my career. I am a quick learner and always willing to try something new. I pride myself on my ability to finish tasks in a timely and organized manner.
The natural energy I have towards life shows through in my day-to-day accomplishments, making me a valuable asset to any company.
Overview
26
26
years of professional experience
Work History
Program Specialist II
Allegis Global Solutions
Hanover, MD
07.2022 - 09.2023
- Developed and implemented program plans to ensure achievement of goals.
- Analyzed data from surveys, interviews and focus groups to inform program activities.
- Facilitated meetings with stakeholders to discuss program objectives and strategies.
- Coordinated resources for program implementation, including personnel and materials.
- Conducted research on relevant topics related to the program's mission.
- Provided technical support to staff members regarding the use of software programs related to the project.
- Compiled reports summarizing progress towards goals and objectives of the initiative.
- Collaborated with other departments within organization on cross-functional projects.
- Developed procedures and guidelines for monitoring performance indicators associated with the project.
- Identified opportunities for improvements in existing processes or policies related to program operations.
- Monitored budget allocations for various aspects of the project, ensuring compliance with fiscal requirements.
- Provided guidance to new staff members about their roles and responsibilities within the organization's programming framework.
- Acted as a liaison between management and stakeholders regarding updates on progress made towards program goals.
- Identified opportunities to improve or enhance program initiatives and operations.
- Partnered with program management on recommendations, process improvements and corrective action plans.
- Liaised with stakeholders to answer questions and better promote program mission.
- Explained program offerings and requirements to participants and answered related questions.
- Evaluated program effectiveness to develop improved methods.
- Prepared periodic reports, financial statements and records on program activities, progress and status for management.
Corporate Renovation Specialist
Southern Trust Mortgage
Ellicott City, MD
01.2019 - 05.2022
- Personally created an overall the companywide process for originating and processing renovation loans.
- Specialize in renovation, loans, and niche product within the mortgage industry.
- Work closely with HUD consultants and contractors to successfully coordinate the scope of repairs and contractor bids for collateral submission on all renovation, loans
- Beta tested and launched a new renovation investor program for the entire company.
- Tripled companywide volume of renovation loans between 2018 and 2019, by using my experience and expertise to maximize access and understanding of renovation lending, a non-standard industry product
- Assessed existing structures and identified areas in need of renovation.
- Planned, coordinated and supervised all aspects of construction projects.
- Developed project timelines and budgets for clients to ensure timely completion within budget constraints.
- Negotiated with contractors, vendors and suppliers to secure competitive pricing on materials and labor costs.
- Performed quality control checks throughout the duration of the project to guarantee workmanship met industry standards.
- Prepared reports detailing progress updates, changes in scope or timeline, cost overruns and other pertinent information related to the project.
- Collaborated with architects, engineers, electricians and other tradespeople as needed during construction process.
- Resolved conflicts between contractors, subcontractors or customers when needed.
- Reviewed invoices from vendors and subcontractors prior to payment authorization.
- Identified potential problems that may arise during the course of a project and developed solutions accordingly.
- Completed job checklists with customers and answered questions and solved problems before closing projects.
- Monitored progress of projects to ensure timely completion within budget parameters.
- Provided guidance to customers on product selection and design considerations.
- Analyzed financial data to determine the feasibility of granting loans.
Jr Loan Officer
Southern Trust Mortgage
Ellicott City, MD
01.2016 - 01.2019
- Reviewed loan applications and credit histories to determine eligibility for approval.
- Assisted customers with completing loan application forms, gathering necessary documents and answering questions about the process.
- Provided information on loan products and services to prospective clients.
- Processed loan requests by verifying accuracy of data entered into system; ordering appraisals and title reports; preparing closing packages; obtaining signatures.
- Maintained customer files according to established procedures; updated records regularly.
- Researched credit history and other relevant information to make decisions on loan requests.
- Followed up with customers regarding outstanding documentation needed for processing loans in a timely manner.
- Communicated with underwriters regarding status of loans and any additional documentation required for approval.
- Generated various reports related to loans processed by department staff members.
- Monitored changes in regulations governing mortgage lending industry; kept abreast of new legislation affecting consumer finance operations.
- Conducted periodic audits of loan files to ensure compliance with applicable laws and regulations.
- Attended professional development seminars related to consumer finance law and best practices.
- Served as liaison between borrowers, lenders, attorneys, real estate agents and other parties involved in the loan process.
- Worked collaboratively with colleagues in originating loans from start to finish.
- Responded promptly to customer inquiries regarding their mortgages or refinancing needs.
- Reviewed promissory notes before they were signed by borrowers.
- Created marketing materials designed to promote company's mortgage services.
- Delivered high levels of customer service to facilitate smooth processes.
- Met with applicants to obtain information for loan applications and answer questions about process.
- Analyzed applicants' financial status, credit and property evaluations to determine feasibility of granting loans.
- Reviewed loan agreements to confirm completeness and accuracy.
- Submitted loan applications to underwriter for verification and recommendations.
- Performed daily maintenance of loan applicant database.
- Improved loan applications and documentation by informing applicant of additional requirements.
- Obtained and compiled copies of loan applicants' credit histories, corporate financial statements and other financial information to update credit and loan files.
- Executed loan origination process and ordered credit reports, appraisals and preliminary title reports.
- Managed pipeline for originated loans through closing and complete required management reports.
- Resolved file problems, bottlenecks and qualified issues throughout underwriting process.
- Adhered to federal and state compliance guidelines relative to retail mortgage lending.
- Researched investor guidelines and kept up to date on program changes that affected loan processing or origination.
- Reviewed client documentation and contracts for discrepancies and mistakes.
- Updated client account information and records in company databases.
- Listened carefully to customer complaints and swiftly resolved issues by taking appropriate action.
- Verified client financial information to determine creditworthiness and loan eligibility.
- Informed customers of loan application requirements and deadlines.
- Reviewed loan agreements to verify completeness and accuracy according to applicable policies.
- Stayed abreast of lending regulations, industry trends and market rates.
- Reviewed credit histories from applicants and determined feasibility of granting requested loans.
- Collaborated with company teams to expedite loan approval processes.
- Assessed feasibility of loan approval by reviewing financial histories, available credit and current employment.
- Met with applicants to obtain information for loan applications and answer questions about processes.
Real Estate Agent
Keller Williams
Columbia, MD
01.2014 - 01.2016
- Advised clients on market conditions, prices, mortgages, legal requirements and related matters.
- Developed networks with appraisers, lenders, and home inspectors to facilitate real estate transactions.
- Conducted property inspections to ensure compliance with applicable regulations and standards.
- Negotiated purchase agreements and contracts with buyers and sellers.
- Assisted in the preparation of documents such as representation contracts, purchase agreements, closing statements, deeds and leases.
- Maintained updated knowledge of local real estate markets.
- Provided guidance to clients throughout the entire buying or selling process.
- Prepared comparative market analysis to estimate properties' value.
- Ensured all transactions followed state laws regarding real estate practices.
- Performed administrative duties such as preparing paperwork for listing presentations, tracking sales data and updating internal databases.
- Coordinated appointments to show homes to prospective buyers.
- Analyzed potential investment opportunities based on financial reports.
- Researched current listings available in the area using multiple online resources.
- Responded promptly to client inquiries via phone or email.
- Managed real estate transactions from initiation to closing.
- Oversaw and negotiated offers for real estate purchases on clients' behalf.
- Coordinated appointments with prospective buyers to showcase houses and plots.
- Facilitated real estate purchases by reviewing listings, accompanying clients to properties and communicating sale conditions.
- Presented properties to potential buyers to address questions or concerns.
- Managed sales pipeline by actively following up with prospects and hot leads.
- Maximized market share by working with clients and building relationships.
- Verified accuracy of documentation and fund disbursements for sales.
- Maintained current and accurate CRM database of prospective customers.
- Conducted thorough needs analysis and pre-qualification with prospective clients to schedule showings.
- Attended progress meetings and cold call sessions to hone lead generation skills.
- Pushed through objectives, persuading clients to purchase by applying advanced sales techniques.
- Liaised with real estate attorneys to assist with deal-related questions.
- Assisted investors with remodeling plans and costs to drive client profitability and long-term business retention.
- Communicated with clients to determine property needs and budget constraints.
- Prepared representation contracts, purchase agreements and closing statements.
- Facilitated closing processes between lender, mortgage companies, buyers and sellers.
- Established key business relationships within industry by using responsiveness, efficiency and deep knowledge of real estate industry.
- Advised clients on market conditions, pricing and legal requirements for property transactions.
- Drafted contracts, purchase agreements, closing statements and leases.
- Created professional sales presentations to effectively communicate product quality and market comparisons.
- Prepared and delivered sales presentations.
- Promoted active listings through social media marketing, open houses and newsletters.
- Coordinated property tours and communicated with buyers to assist with inspections and appraisals.
- Collaborated with escrow companies, lenders and home inspectors to fulfill terms and conditions of purchase agreements.
- Explained financial requirements and analytical data to potential buyers and sellers.
- Liaised between buyers and sellers to facilitate negotiations and propel escrow progress.
Acting President
Metropolitan Police Department
Columbia, Maryland
08.2004 - 12.2011
- Organized and facilitated board meetings, strategic planning sessions, and annual conferences.
- Developed policies, procedures, and short-term and long-term goals for the organization.
- Represented the organization at community events and public forums to promote its mission.
- Collaborated with staff members to ensure operational efficiency of the organization.
- Researched local zoning laws and regulations regarding affordable housing developments.
- Researched best practices in affordable housing initiatives.
- Monitored program compliance with state and federal regulations related to affordable housing programs.
- Created presentations on affordable housing opportunities in the community.
- Conducted periodic inspections of properties to ensure compliance with safety regulations and tenant requirements.
- Developed and implemented effective leasing strategies to maximize occupancy rates.
- Negotiated terms of agreements with external vendors and partners.
- Managed portfolio of investments including stocks, bonds, mutual funds, real estate.
- Assisted in the preparation of budgets for capital expenditures and operational costs associated with assets.
- Coordinated with external auditors during audit process for review of asset records.
- Identified areas for cost savings by analyzing current spending patterns related to assets.
- Reviewed annual recertifications for accuracy and compliance with HUD requirements.
- Analyzed financial statements and forecasts to improve programs, performance and policies.
- Oversaw all HUD compliance requirements and reporting.
- Coordinated all yearly audits and ensured all relevant information and materials were provided to third party consultants.
- Maintained and negotiated HAP contracts for elderly and multi-family subsidized housing properties.
- Served as General Partner for the Limited Partnerships that owned HUD subsidized project based section 8 elderly and multi-family properties
- Drafted and implemented essential policies and documents, such as: operations manual, new model lease, and tenant election plans
- Successfully negotiated a mark to market refinance of a project based section 8 multifamily property
- Directly supervised 15 employees
Vice President
Metropolitan Associates Development Corporation
Columbia, MD
02.2002 - 08.2004
- Developed and executed strategic plans to support the vision of the organization.
- Formulated policies that improved operational efficiency and productivity.
- Directed business development initiatives, including acquisitions and joint venture agreements.
- Researched best practices in affordable housing initiatives.
- Researched local zoning laws and regulations regarding affordable housing developments.
- Maintained accurate records and documentation related to housing assistance programs.
- Maintained a high level of knowledge regarding market trends affecting the housing industry.
- Conducted regular property inspections to identify maintenance needs and ensure tenant safety.
- Coordinated with contractors to complete repairs, renovations, and other improvements to properties.
- Managed the day-to-day operations of multiple residential properties including budgeting, advertising vacancies, collecting rents, responding to tenant complaints and resolving disputes.
- Prepared documents such as leases, eviction notices and rental applications for prospective tenants.
- Ensured compliance with applicable federal, state and local laws related to housing regulations or zoning requirements.
- Implemented procedures for screening potential tenants by conducting background checks and verifying references.
- Maintained accurate records of all financial transactions related to the management of properties including accounts receivable and payable ledgers.
- Advised landlords on best practices for maximizing their return on investment while minimizing risk associated with tenant relations.
- Drafted legal documents such as eviction notices or breach of contract letters when necessary.
- Provided training sessions for staff members on proper handling of landlord and tenant disputes or emergency situations.
- Handled resident complaints and expedited maintenance requests.
- Inspected properties regularly to identify deficiencies and schedule repairs.
- Coordinated with maintenance and contractors to promote timely turnovers after move-outs.
- Developed and maintained strong working relationships with owners and tenants to minimize hassle for both parties.
- Investigated and resolved property complaints and violations to foster pleasant living environment for residents.
- Exercised direct supervision over property staff.
- Built relationships with service vendors and submitted associated billing statements.
- Solicited and analyzed bids for repairs, renovation and general maintenance.
- Worked with on-site and remote service providers to support tenants requesting accommodations.
- Oversaw and monitored preventative maintenance and energy management inspections and programs.
- Drafted and monitored budgets for overall maintenance and operations.
- Answered calls and responded to inquiries from various parties using strong active listening and open-ended questioning skills to resolve problems.
- Managed day-to-day activities involving tenants, subcontractors and property management.
- Oversaw daily operations, maintenance and administration of various properties.
- Managed and oversaw operations, maintenance and administration of properties.
- Planned, scheduled and coordinated general maintenance or repairs for commercial or residential properties.
- Prepared detailed budgets and financial reports for properties.
- Managed overall tenant relations, promoted tenant satisfaction and streamlined services delivery.
- Compiled and conveyed operational and financial data to regional manager.
- Assisted owners with analyzing complex real estate documents and loan agreements.
- Supervised production of annual rent, operating expense and real estate tax adjustments.
- Worked directly with the Westminster City Police Department to implement crime deterring solutions for a project based section 8 multifamily property
Legal Secretary
Snyder, Slutkin & Ledowski
Owings Mills, MD
01.2001 - 02.2002
- Drafted, edited and finalized legal documents such as contracts, pleadings and motions.
- Organized case files by creating and maintaining document filing systems for easy retrieval of information.
- Answered incoming calls from clients and attorneys to provide assistance or route calls to appropriate personnel.
- Prepared correspondence, memos, reports and other legal documents using Microsoft Word.
- Coordinated court filings including scheduling hearings, filing deadlines and calendaring events.
- Maintained attorney calendars by keeping track of appointments, meetings and conferences.
- Scheduled depositions, mediations and arbitrations with parties involved in litigation cases.
- Greeted visitors to the office in a professional manner while providing support to attorneys as needed.
- Transcribed dictation from audio recordings into written form utilizing digital recording equipment.
- Assisted in trial preparation activities such as organizing exhibits, preparing witness binders and assembling jury instructions.
- Photocopied all correspondence, documents and other printed materials.
- Proofed documents and submitted to attorneys for review.
- Composed and revised legal documents, letters, depositions and court documents.
- Drafted letters and prepared legal correspondence for attorneys and legal assistants.
- Received and disbursed incoming mail.
- Coordinated and scheduled meetings and telephone conferences.
- Mailed and arranged for delivery of legal correspondence to clients, witnesses and court officials.
- Acted as liaison between clients, vendors and attorneys.
- Assisted in maintaining department attorney personnel files with utmost confidentiality.
- Checked office supplies stock and placed orders to maintain levels.
- Opened new client files and new matters in CMS.
- Processed summonses, subpoenas and complaints.
- Processed and distributed invoices to bill clients.
- Composed and revised letters and depositions.
- Assisted in preparation of engagement letters.
- Routed contracts, agreements and invoices through proper signature process.
- Revised and maintained master calendar to coordinate meetings across multiple time zones.
- Facilitated communications by forwarding emails, transferring calls and filing documents.
- Arranged case files and maintained records and notebooks.
- Pleasantly welcomed visitors, answered phone calls and maintained front reception desk.
- Drafted or reviewed legal documents and precedents to support case preparation.
- Processed electronic or physical court filings for attorney's practice.
Office Manager
MD/DC Minority Supplier Development Council
Columbia, MD
01.1999 - 02.2001
- Developed and implemented office policies and procedures.
- Assisted with the preparation of budgets, forecasts and financial statements.
- Supervised staff members, organized schedules and delegated tasks.
- Coordinated meetings, conferences, travel arrangements and department activities.
- Maintained filing system for records, correspondence and other documents.
- Compiled and managed all financial data, including payroll, bills, and invoices.
- Coordinated and organized many events, both large and small; including an opportunity fair showcasing over 100 minority companies.
- Worked closely with our Board of Directors; which consisted of members for many large corporations and small independently owned companies.
- Made all travel arrangements for executive Director.
- Acted as primary liaison to our large membership, which consisted of fortune 500 companies through two small minority owned businesses.
- Ordered supplies and equipment to maintain adequate inventory levels.
- Provided administrative support to management team including preparing reports and presentations.
- Prepared agendas for board meetings along with taking minutes during sessions.
- Created spreadsheets in Excel to track data such as vacation requests, sick days .
- Answered phone calls, responded to emails, routed mail and coordinated courier services.
- Processed payroll accurately ensuring all employees were paid on time.
- Performed general bookkeeping duties such as reconciling bank statements and creating journal entries.
- Maintained impeccable office organization to support efficiency, professionalism and performance objectives.
- Remained calm and professional in stressful circumstances and effectively diffused tense situations.
- Reviewed completed work to verify consistency, quality and conformance.
Workers' Compensation Claims Adjuster
Gallagher Bassett Services Inc.
Columbia, MD
03.1998 - 10.1999
- Investigated workers' compensation claims to determine eligibility and extent of coverage.
- Reviewed medical records, interviewed employers and claimants, analyzed wage loss calculations, and reviewed evidence for accuracy.
- Prepared detailed reports on claim findings including all pertinent information such as injury description, cause of accident, employer responsibility, and liability.
- Processed benefit payments in accordance with applicable laws and regulations.
- Developed strategies to resolve complex cases within established timeframes.
- Advised employers regarding compliance with state laws governing workers' compensation insurance programs.
- Conducted periodic audits to ensure compliance with statutory requirements.
- Negotiated settlements between claimants and employers or insurers when appropriate.
- Provided customer service by responding promptly to inquiries from claimants, employers, attorneys and other stakeholders.
- Maintained accurate records of all claim activities including correspondence, reports, investigations, settlements.
- Researched relevant case law related to pending or potential disputes over workers' compensation benefits.
- Collaborated with legal counsel in the preparation of documents related to litigation proceedings involving workers' compensation claims.
- Calculated amounts owed to claimants and issued company checks for appropriate compensation to close claims completely.
- Maintained current knowledge of claim reserve levels and prepared reports on funds available for distribution to claimants to prevent overdraft.
- Monitored claim progress and issued appropriate notices to maintain continued progress on claim processing and eliminate liability to company.
- Received claim reports filed and performed preliminary evaluation to advise on merits of claim and determine appropriate level of company resource investment in processing.
- Applied personal judgment in evaluating legal status of claims and interacting with claimants to minimize company liability and alert legal department of risky claims.
- Delivered exceptional customer service to clients by communicating information and actively listening to concerns.
- Input claim information and payments into company database.
Education
NLMS #1373524 - Mortgage License
NMLS #1373524
Columbia, MD01-2016
Maryland Stare Real Estate License - Real Estate
Maryland State Real Estate License
Columbia, MD01-2014
Site Based Budgeting Specialist - Affordable Housing Finance
National Center For Housing Management
Jacksonville, FL01-2006
Certified Manager of Housing - Multi-family Housing/Property Management
National Center For Housing Management
Jacksonville, FL01-2004
Certified Manager of Maintenance - Property And Project Maintenance
National Center For Housing Management
Jacksonville, FL01-2004
Certified Occupancy Specialist - Affordable Housing/HUD Compliance
National Center For Housing Management
Jacksonville, FL01-2003
Associate of Business Administration - Business Administration And Management
Southampton Institute
Southampton, England03-1998
Skills
- Performance Assessments
- Group and individual instruction
- Skill Development
- Promotional planning
- Project Management
- Project Coordination
- Financial Administration
- Human resources understanding
- Program Management
- Persuasive communication style
- Office Administration
- Resource Management
Timeline
Program Specialist II
Allegis Global Solutions
07.2022 - 09.2023
Corporate Renovation Specialist
Southern Trust Mortgage
01.2019 - 05.2022
Jr Loan Officer
Southern Trust Mortgage
01.2016 - 01.2019
Real Estate Agent
Keller Williams
01.2014 - 01.2016
Acting President
Metropolitan Police Department
08.2004 - 12.2011
Vice President
Metropolitan Associates Development Corporation
02.2002 - 08.2004
Legal Secretary
Snyder, Slutkin & Ledowski
01.2001 - 02.2002
Office Manager
MD/DC Minority Supplier Development Council
01.1999 - 02.2001
Workers' Compensation Claims Adjuster
Gallagher Bassett Services Inc.
03.1998 - 10.1999
NLMS #1373524 - Mortgage License
NMLS #1373524
Maryland Stare Real Estate License - Real Estate
Maryland State Real Estate License
Site Based Budgeting Specialist - Affordable Housing Finance
National Center For Housing Management
Certified Manager of Housing - Multi-family Housing/Property Management
National Center For Housing Management
Certified Manager of Maintenance - Property And Project Maintenance
National Center For Housing Management
Certified Occupancy Specialist - Affordable Housing/HUD Compliance
National Center For Housing Management
Associate of Business Administration - Business Administration And Management
Southampton Institute
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