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Click here or scroll down to respond to this candidate6 Pinewood Court, Sicklerville-Erial NJ, 08081 Tel: PHONE NUMBER AVAILABLE or EMAIL AVAILABLECandidate's Name
Skills:Mortgage Industry: Foreclosure, Bankruptcy, Payoff, Broker and Correspondents setup in Pipeline, Appraisal review and management; Title & Deed Package preparation and review; Closing Disclosure (HUD), review Contact Lease docsLending: Loan (Auto, Residential, Commercial) Coordination for the Operations Division; HELOC/Refinancing (Renewal) Closing and Processing. Funding, payment processing (cut checks, deposit, wire)Accounting: A/P and AR, processing and Posting in General Ledger, Review of Financial Statements; Invoices and work orders, weekly reconciliation. Filing sales & use tax returnsAccounting: GAAP; Corporate Accounting; Public & Government AccountingBi-Lingual: served as the French translator for French-speaking clients.Work experienceJune 2023 Department of Human Services/DoAs Hamilton, NJAccounting/Grants (Fiscal Analyst)/ReportingReview and modify counties grants, contracts, and expenditures reports. Make payments to the counties after their invoices are approved and proceed to bank reconciliation. Work with counties for their different programs to assure proper compliance. Make financial analysis to project and amend contracts and review grants. Monitor and complete sales tax filing. Prepare reports of expenditures and invoice payments, and balances ledgers.Oct 2022 NSCA & IDDAY Philadelphia, PAFeb 2023 IDDAY Philadelphia, PAAccounting/Grants (Fiscal Analyst)Assist in providing accurate and timely financial information to guide management decisions and support the efficient and effective implementation of grant programs. Monitor, record, summarize, and reports all financial transactions; oversee the system of internal controls to ensure that assets are safeguarded and that financial activities conform to Federal and State regulations; monitor and manage outstanding rental income and expenditures. Process accounts payable and accounts receivable transactions in a timely manner including reconciliation of A/P statements and filing invoices orderly Allocate and post incoming payments to customers accounts daily. Reconcile bank, credit card, and other balance sheet accounts monthly as a part of month-end closure and prepare and post journal entries. Monitor and complete sales tax filing Prepared reports of expenditures and invoice payments, and balances ledgers. Reconciling tax accounts and preparing tax analysis and projections Preparing and filing sales & use tax returns including use tax reviewFeb 2022 -Dec. 2022 Reology holdings RealTech Title - TRG Marlton, NJTax/Funder/Accounting & Financial AnalystManage vendor relations and communication. Upload A/P invoices to ERP system and help with weekly check run. Prepare transmittal correspondence to remit required payments to third parties as they relate to closed transactions. Create financial models based on analysis to support organizational decision making. Examining quarterly and annual financial reports. Creating financial statements that detail profits, overhead expenses and tax deductions. Evaluate capital expenditures and depreciation. Effectively work with Escrow/Title Officers OR Title Attorneys on smooth and seamless Funding, payment processing (cut checks, deposit, wire) and closing of all loans. Calculating taxes owed and preparing tax return documents. Develops automated reporting and forecasting tools for more efficient use of data. Compute variances for analysis of the difference between planned and actual numbers. Monitor and complete sales tax filing. Reconcile bank, credit card, and other balance sheet accounts monthly as a part of month-end closure and prepare and post journal entries.August 2019-January 2022 Citizens Bank Marlton, NJFunder / Accounting &Financial AnalystPreparing and reviewing loan closing packages and paperwork. Loan Reconciliation. Acting as an intermediary between all parties involved in mortgage loan transactions. Ensuring closing details comply with state and federal regulations. Preparing and finalizing Closing Disclosures (CD) Worked with the secondary market lenders such as Fannie Mae, Ginnie Mae, and Freddie Mac (government-sponsored mortgage companies). Homeowners insurance, flood insurance, Mortgage insurance, title commitment to determine the proper lines for payoffs. Funding, payment processing (cut checks, deposit, wire). Creates financial models based on analyses to support organizational decision making. Evaluates capital expenditures and depreciation. Develops financial plans and reports for organizational leaders.Project - Syndicated Loans: Process loan for millions dollar venture (development). Reviewed all lenders documentation to reduce risk, used the Loan IQ model to help with the costs and error reduction.November 2018-July 2020 Garfield Academy Willingboro, NJTeacher's AideTeacher maintains a safe, healthy, and educational environment for the class. Teacher communicates regularly with parents, in person and using technology, meeting (or exceeding) parent expectations. Teacher Sub in for French, MathSept 2014 - Oct 2018 Title Resource Group (TRG) Mt. Laurel, NJHELOC Communicator / CD Specialist / Title & Deed SpecialistResponsible of all communications with the borrower and working with the signing agent network to have the signing agent set up. Loan Reconciliation. Responsible for communicating with customers to explain the mail away closing process and find solutions for outstanding conditions. Assumed all the duties of signing a Notary, Prepping and process all documents to mail to the Borrower. I was trained and became a HUD/ CD Specialist. HUD specialist: Processing required claims to Fannie Mae, Mortgage Insurance Companies, FHA, VA, or other investors to recover advances incurred throughout the default process. meet investor time frames, and complete audits of claims processes for validation. Tracking of claim payments received for proper application, and filing of any required supplemental claims as necessary, and respond regarding any contested claim information as required. A CD Specialist has the same duties only in different framing Applications as the Government required starting in December 2016.January 2018 I was trained to read and analyze Title agreements, Insurances, payoffs and Taxes, Closing of loans. Examine and review Property and Ownership Information; Deed / Vesting Information; Tax Information; Open Mortgage / Deed of Trust Information; Related Judgments, UCC, Liens Against Owner. Prepare and submit closed loan or assumption packages, deposits, and disbursement. Reconciling tax accounts and preparing tax analysis and projections. Preparing and filing sales & use tax returns including use tax reviewNov 2013 - Nov 2015 TD Bank Mt. Laurel, NJLoan Processor/Loan CloserReview data entry and ensures accurate information. Perform validation, review, research, and balancing of loan bookings. Follows up with clients/customers as needed for missing information or documentation. Loan Reconciliation. Audit documentation for quality control (Lease, Trusts, Contract). Uniform Residential Loan Application (URLA), also known as Fannie Mae form 1003. Verify income, assets, and employment. Prepares loan for Initial Closing Disclosure issuance. Order a home appraisal to determine the value of the property Review certain aspects of the appraisal when received and ensures any errors are corrected. Worked with the secondary market lenders such as Fannie Mae, Ginnie Mae, and Freddie Mac. Upload appraisal information into a review portal to ensure accuracy of certain aspects of the appraisal as well as the front-end system; notifies the originator/processor that the appraisal is available for client. Provide customer services for Canadian accounts (Inbound and outbound Calls, Verification of Employment, Review French documents). Work as closer for car, boat, and time share loans.Syndicated loans agreement between TD bank and a bank in Canada. acted as French speaking contacted for the lenders and the agents. reviewed drawdown request and loan applications, the promissory note, the facility, the commitmentsDec 2011- Nov 2013 STARS Real Estate Appraisal Management Mt. Laurel, NJReal Estate Appraisal CoordinatorI tracked appraisers licenses and business insurance policies to assure their compliance with the company and the USPAP. I tracked of the appraisers and company clients fee schedule for the proper appraisals orders pricing. I tracked appraisal products codes to assure that appraisals assignments are well defined in accordance with the lender and mortgage companies rules and demands. I reviewed and upload appraisals to lenders and copies to borrowers. I coached appraisers when needed for new products, their coverage areas, their turn time, and technical support with STARS software and appraisers portals. I researched regions to track down independent appraisers for complex appraisal orders. Reconciling tax accounts and preparing tax analysis and projections. Preparing and filing sales & use tax returns including use tax reviewOct 2008 - Dec 2011 Tonel Lounge Willingboro, NJBookkeeper/AdministratorA small business that organizes Special Parties in night clubs and promotional events mostly in NY and north jersey with the goal to promote underground artists. Tonel is a nightclub for which I drafted the budget for operations of the business to assure and process Inventory (Liquor, Food & ingredients), payments (utilities, tempt waiters and cooks), bank deposits. Monitor and complete sales tax filingOct 2005 2010 Staffing Agencies Philadelphia, PA / Mount Laurel, NJPayment Services (Assigned to Aramark)Assigned by a Staffing Agency to the payment services department as an associate to take care of the account payable, payroll. It consisted on processing payroll including checks and reports checks to pay vendors on a timely fashion, paying taxes, Direct depositDec 2001 Dec 2005 Symetrix/GMAC Mortgage Horsham, PAAssistant Analyst/ Bankruptcy - Foreclosure Specialist/Payoff & Cash Management SpecialistStarted as an assistant analyst in the wholesale department. There my duties included receiving and classifying brokers or correspondents (Real Estate) Applications. I requested credit checks on brokers or correspondents processed their approval, denial, Activation and Inactivation, or suspension of their affiliation. 6 months later I moved to the bankruptcy department as a Bankruptcy Specialist. Duties were as followed: Loaded, reloaded, reinstated new bankruptcy filing. Converted old bankruptcy chapters. Processed Documents for all chapters in various states ensuring procedural documentation is filed and completed in accordance with federal /state, investors / insure and company requirements / guidelines. File all claims within Investor/MI Companies timeframes. Subsequent follow up on claims to ensure timely reimbursement. Negotiate with the Investor on denials. Monitoring and updating the loans within the portfolio. Process invoices and mail out checks. Pay invoices received within companys timeframes. Request payee identification number if one is not assigned. Minimized losses by taking the necessary steps to cure delinquencies, mitigated losses through various workout alternatives, employed preventive measures against litigation and completed the bankruptcy process within the required timeframes, policies and procedures mandated by GMACM, investors and insurers.July 2000 Dec 2001 Tac Staffing: Tac Corporate/Temple University Dedham, MA/Philadelphia, PAAdministrative AssistantPrepared and reviewed timecards of the department personnel including verifying benefits and compensationCustomer Services; animal orders for Researchers and Professors; prepared animals paper works and report cardsfor the USDA. Gathered data for billings and accounts reconciliations. Account Payable: Maintain invoices and\paid. Worked closely with the Department Chief Administrator in Preparing and maintaining grants, budget, CreditCards Reconciliation.Tac Corporate Newton, MA: Administrative Assistant / Assistant BuyerPersonal Assistant to the Chief Director of the purchasing Department.; Responsible for all aspects of negotiatinglarge quantity orders for a diverse range of gift items, specialty products, accessories, furniture, GovernmentContracts, Software licenses, ECT Corresponded and selected vendor to obtain price quotes; review and approvesamples. Adhere to predetermined shipping schedules.Jan 1995 Dec 1999 Standard Data Ewing, NJComputer Operations Clerk / Account Coordinator:Assisted the programmers and the network Administrators on project budget billings and account reconciliations. Coordinated accounts with the Operations Manager (Simmons Research, Sylvan, PSE&G) making sure of billing data, which deadlines are reached.Implemented the rules of work designed by the chief programmers according to the clients demands.Education2020 2022 Wilmington University Wilmington, NJFinance Pursuing an MBA2014-2017 Wilmington University New Castle, DEAccounting / Finance Graduated with BS1995 1997 Mercer County Community College W. Windsor, NJHumanities and Social ScienceSkillsStrong computer background. Proficiency with Excel, MSWord, Access, and other MS Office applications, Fiserve, Excelsior mortgage, CPI Fidelity E Portal, Excellis, Loan IQ, QuickBooks, Peachtree, Atlas, Citrix, iClosing, Orakle, SAGE, CORE, SAP, MIP.Good with Math and WritingFluent in English, French, Creole, some Spanish |
