Banking CV
Job description
A retail banker works in banks and financial societies, although there are opportunities to work for online banks and supermarkets which offer banking services. He helps with the financial requirements of individuals and businesses and provides advice and financial services.
His services can include: authorising loans and overdraft facilities; setting up saving accounts and bonds; assisting in the movement of money via payment mechanisms.
Private banking is a sub-section of retail banking which deals with high net-worth individuals, who are ready to invest millions of dollars. A manager of a retail bank will need to increase sales of financial products and services, attract new customers and manage a team of staff.
Retail bank branch management is similar to other management opportunities, in that the managers are responsible for: managing, recruiting, and coaching teams of people; dealing with customer complaints that can't be solved by the front line staff; implementing the new products, services and processes devised by head office; representing the bank within the wider community and building relevant contacts; opening and closing the branch daily and ensuring that the premises are fit for business; meeting sales targets and managing budgets.
Responsibilities for junior bankers may include: dealing with customers queries face to face, over the telephone or in writing; serving customers at the counter; understanding customer needs, recommending suitable products and making sales; processing paperwork from sales, change of customer details, closure of accounts and so on; learning about new products, services and processes.
Samples of CVs in Banking sphere:
- Electronic Banking Specialist
- Banking and Real Estate Paralegal
- Banking Auditor
- Banking Experience CV
- Seasoned Banking Executive
- Accountant and Financial Consultant CV
- Credit Cards Processing Specialist
- CV - Position in Finance
- Sales - Bank
- Accounts Receivable Clerk (Internship)
- Accounting Position
- Retail Banker
- Main Banker
- Accounting Clerk Position
Electronic Banking Specialist
To obtain an entry level position in my field of study that builds upon and utilizes my collegiate and community experiences and activities, as well as to become a leader in a company that I can grow with.
Work Experience
Electronic Banking Specialist
Glens Falls National Bank
Glens Falls, NY
January 2014 Current
Duties: Administer all electronic banking products such as ATM, debit and credit cards, and online bill paying services; Reviewed, researched and resolved discrepancies in customer data; Dealt directly with outside companies, agencies and financial institutions ensuring that laws, regulations and policies are adhered to; Responded to all VISA disputes and ACH in a timely manner according to department guidelines; Provided consistent, outstanding customer service by reacting to internal and external customer needs
Course Experience
Micro-computer applications, Introduction to Info and Technology Literacy, US National Politics, Statistics, Research Methods, Political Sociology, Social Problems/Policy, Sociology of Development, Sociology of Law, Sociology of Race and Ethnicity, Working in Society, Criminal Investigation, Criminal Law, Police Operations, Introduction to Acting
Collegiate and Community Activities
Server
Ambrosia Diner
Queensbury, NY
May 2012 to December 2013
Duties: Food handler, handled cash on a daily basis, customer service
Front Desk Attendant
Depe Dene Resort
Lake George, NY
September 2009 to March 2014
Duties: Make guest reservations and tend to their requests, processing guest's bills and fulfilled their payment transactions, customer service
Seasonal Cashier
Target
Plattsburgh, NY
October 2007 to August 2009
Duties: Handled cash on a daily basis, fulfilled customer's transactions, store inventory and customer service
Merchandising and Pricing Associate
Sears
Albany, NY
May 2006 to September 2007
Duties: Operated computer and printing devices, created and displayed signs for the store, created and adjusted prices of items using technology, store inventory, sales, customer service
Cashier
Rite Aid Pharmacy
Latham, NY
February 2003 to April 2006
Duties: Handled cash on a daily basis, store inventory and customer service
Education
Bachelors of Arts in Criminal Justice and Sociology
Plattsburgh State University
Plattsburgh, NY
August 2001 to December 2002
Skills
Customer service experience, Experience working with a team as well as independently, Experience working in demanding environments under strict time frames, Proficient in: Microsoft: Word, Excel, PowerPoint, Outlook and POS Systems, Retail software proficiency
Course Experience
Micro-computer applications, Introduction to Info and Technology Literacy, US National Politics, Statistics, Research Methods, Political Sociology, Social Problems/Policy, Sociology of Development, Sociology of Law, Sociology of Race and Ethnicity, Working in Society, Criminal Investigation, Criminal Law, Police Operations, Introduction to Acting
Collegiate and Community Activities
Congressional Campaign for Scott Murphy 2007
Duties: Traveled with a team around Saratoga County and took opinion polls before the election
Criminal Justice Club: Clinton Community College 2009 - May 2010
Conversational Couture Club: Clinton Community College September 2011-May 2012
Alternative Spring Break Participant at Plattsburgh State University March 2013
Volunteer Participant- Habitat for Humanity, Bridgeport Connecticut
Duties: Homebuilding and community projects for those in need
Intramural sports participant throughout college.
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| A nice banker. Photo : ElenaB. |
Banking and Real Estate Paralegal
Work Experience
Banking and Real Estate Paralegal
Chuhak & Tecson, P.C
Chicago, IL
October 2009 to Present
Assist attorneys in preparing closing documents from contract signing to closing for residential and commercial closings. Any and all duties assigned by various attorneys including but not limited to review title commitments, prepare and record documents, obtain estimates of redemption and tract book searches. Order and summarize Minutes of Foreclosure. Work with the Banking group to prepare Settlement Agreements for Deed in Lieu of Foreclosures and related documents.
U.S. Census
Chicago, IL
April 2010 to July 2010
Canvas assigned addresses to obtain information from residents who did not return their Census forms to the U.S. Census bureau. Attend daily meetings with the Census team and team leader.
Closing Manager
Thrush Development Company
Chicago, IL
May 1993 to November2009
Review purchase agreements and distribute to development managers, purchasers and brokers; review attorney approval letters and negotiate terms with purchasers' attorney; provide lenders with purchase agreement, title commitment, upgrades, earnest money amounts and other information requested to obtain mortgage approval; track mortgage contingencies, earnest money and options deposits; order title and surveys; provide comparable sales to appraisers; prepare closing documents (deed, bill of sale, affidavit of title, closing statements); assist in the preparation of condominium declarations and related documents including calculations of percentage interest; coordination with City of Chicago Department of Housing to obtain approval for purchasers under the Affordable Housing Programs; obtain FHA and Fannie Mae approval for condominium projects; obtain Certificates of Occupancy from the City of Chicago; and due diligence for vacant land purchases for future development parcels.
Loan Processor
Windsor Mortgage Corp
Wilmette, IL
July 1992 to April 1993
Federal Finance Corp
Chicago, IL
October 1991 to June 1992
American Invsco, Chicago, IL
Real Estate Paralegal
September 1989 to September 1991
Experience in residential and condominium mortgage process and closings, including condominium conversions.
Paralegal, Real Estate/Corporate
Goldberg, Kohn, Bell, Black, Rosenbloom & Moritz, Ltd
Chicago, IL
March 1988 to August 1999
Paralegal, Real Estate
Schwartz & Freeman
Chicago, IL
May 1985 to February 1988
Paralegal, Real Estate/Corporate
Arnstein and Lehr, Sears Tower
Chicago, IL
January 1981 to May 1985
Real Estate: General duties in residential and commercial real estate as in current employment. Corporate work: prepare corporate documents in compli ance with state filing require ments; draft cor porate reso lutions; maintain corpo rate minute books.
Education
Certificate in Real Estate and Mortgages
Roosevelt University
Chicago, IL
Bachelor of Special in Special Studies
Cornell College
Mount Vernon, IA
Banking Auditor
Customer Services Representative
Rutgers - New Brunswick, NJ
10+ years experience in customer service, general administrative office work, back office and middle office with financial institutions
Hands on experience in telephone and personal communications with customers, cash handling, inbound sales, problem solving, finding information, investigations, receiving and processing customer payments, reconciling accounting entries to system reports
Excellent knowledge of MS Office
Quick learner, able to work under pressure, multi-tasking, strong communication skills, attention to detail
Expérience
Retail Banking auditor
Scotia Bank
2006 - 2011
Participated in the following types of operational reviews of retail banking products and processes: Branch reviews, Customer Account Opening, Overdraft and Credit Cards, Mortgage Loans, Payments, Compliance, Anti Money Laundering and Financial Monitoring
Presented recommendations on control improvements to management and internal clients
Initiated and implemented enhancements in control system over expense and revenue accounts
Participated in development of a standard review guidance for retail bank branches
Customer Services/Operations Controller
Citigroup
March 2003 - March 2006
Reviewed quality of controls in Customer Services unit, checked recorded customer calls, customer complaints handling procedures, customer satisfaction survey results
Performed daily financial investigations/follow-up process
Monitored timely revision of internal policies and procedures of Customer Services, Tellers and Processing departments
Reviewed quality of controls in cash handling and cash balancing, performed surprise cash counts of individual teller boxes and vault
Customer Service /Payments Specialist
BMO Montreal
January 2000 - February 2003
Addressed customer queries both by phone and in person. Solved customer problems regarding online banking, accounts turnovers and balances, products and services
Promoted products and services to existing customers, fulfilled sales targets
Successfully initiated and completed Customer Service Quality project, automated customer accounts reconciliation process
Performed processing of customer cash transactions, payments in local and foreign currencies, foreign exchange and securities transactions
Investigated discrepancies related to customer queries, communicated with banks and other counterparties, provided feedback on investigations results to customers
Participated in customer satisfaction survey distribution and analysis, suggested improvements in service quality which were included by management in the action plan for the next year
Receptionist
BMO
1999 - 2000
Answered telephone, screened and directed calls. Handled multi-line switchboard, worked in a multi-tasking environment
Greeted persons entering the bank and directed them according to their needs
Addressed queries from the public and customers, provided information to callers
Maintained and updated staff directory
Ensured knowledge of staff movements in and out of the bank
Acted as a back-up for corporate assistants and office managers, provided general administrative and clerical support, prepared letters and documents, scheduled appointments and organized meetings
Maintained mail registration log, sent, received and sorted mail and deliveries
Formation
Bachelor of Financial Sciences
The University of Western Ontario's Management and Organizational studies
1998
Skills
Problem solving, communication, multi-tasking, promoting products and services to customers, inbound sales, investigations, data entry, payments processing, cash handling, cash balancing
Banking Experience CV
CAREER SUMMARY
Over 15 years of global banking compliance experience with senior level process and operational management experience coupled with strong leadership, personal and cross-functional management skills. Projects are prioritized and delivered satisfactorily on time as expected.
Strong risk analysis, strategic problem solving and communication skills that inspire confidence. Results-oriented, fast learner with strong research capabilities who thrives on creating sustainable solutions.
Bank and Broker-Dealer Compliance Dodd-Frank, GLB Reg. R, FINRA
Bank Secrecy Act, Patriot Act, AML
Internal Audit, Sarbanes-Oxley
Enterprise Risk Management
FASB, IFRS
PROFESSIONAL EXPERIENCE
Wihelm Printz (2/02-Current) – Financial reporting manager in Corporate Equity Solutions working with companies’ stock plan compensation, SEC and tax reporting requirements to facilitate compliance with FAS 123R and FAS 128. Reviewed current client plans for compliance with Dodd-Frank. Co-ordinate data processing, validate outputs and interact with clients’ finance, HR, IT and legal teams to meet reporting deadlines with accurate and timely financial statement disclosures.
UBS (9/99-1/02) – Project manager/Business Analyst for “change the bank” compliance project mandated by Gramm-Leach-Bliley Act and Reg. R for global bank. Coordinated development of project plan requiring concurrence by all bank functions, including IT, Legal, Controlling, Compliance, Credit and Operations. Essential to project success was co-managing KYC repair for existing bank clients and the KYC process to open new client accounts at the bank and related broker-dealer. Developed protocols acceptable to Compliance and AML to streamline the onboarding process end-to-end so CA’s and FA’s could service the client. Co-authored BRD’s designed to monitor statutory compliance. Managed and reported on execution and milestones to senior bank management within the Office of the CEO. Extensive interaction with similar functions at affiliated broker-dealer to optimize business solutions for all client advisors. Worked closely with bank's internal and external legal counsel to support desired compliance protocols developed with IT team.
Citigroup ( 8/96-8/99) - FAS123(R) stock option compliance and financial reporting for corporate clients of global bank involving extensive contacts with Legal, CFO, Controller and HR functions at NYSE companies.
NYFIX (2/94-5/96) - Teamed with accountants and lawyers on forensic accounting and SEC fraud investigation resulting in $30 million of restatements after extensive document review and considering FAS 123(R) financial reporting and stock option plan.
CBIZ Harborview (11/92-2/94) – Managed initial SOX testing project for a global UK firm's US subsidiary. Developed risk management metrics and benchmarks and evaluated SOX software utilized in corporate testing.
Citizen's Bank (11/89-7/91) - CFO at community bank. Directed all financial analysis and statement activities as well as reporting to the Board and all regulatory agencies. Participated in various management committees, such as ALCO and IT. Worked closely with outside legal and accounting professionals relative to the bank’s securities portfolio, audit and tax matters. Assisted in preparation of bank’s placement memorandum for secondary stock offering.
Keck, Mahin & Cate (10/88- 10/89) - 375 attorney national law firm with 11 offices and $100 million+ in annual billings. Interfaced directly with law firm management, attorneys and clients to optimize collections while resolving service issues and fee disputes. Instituted new client intake procedures to better assess financial risk and malpractice risk. Developed real time metrics and IT protocols for rational resource (capital and attorneys) allocations among partners, offices and practice groups. Created multiple vehicles to focus firm on budgeting and managing the business aspect of client matters.
Arthur Andersen LLP - Senior tax manager responsible for client relationships, work product and job management for individuals and NYSE companies, concentrating in capital markets, banking, utilities and manufacturing.
EDUCATION
MBA, University of Chicago
J.D., DePaul University Accounting, University of Illinois
Seasoned Banking Executive
15 years of finance experience in the banking industry with a proven track record of success in retail banking management. Provided leadership, direction, and guidance to assist the bank in achieving its sales and operational objectives, realizing its profit goals, while protecting the best interest of its customers.
Work Experience
Vice President/Retail Banking
First Bank of Cambi,
Cambi, IN
April 2013 to Present
Responsibilities
Provide vision, leadership, and strategic direction to the bank branches. Develop goals and supporting operating plans, budgets, and programs for retail banking to achieve the bank's strategic objectives.
Regional Sales Manager
Market Day Corporation
Indianapolis, IN
April 2010 to March 2013
Responsible for providing fundraising programs to schools and other non-profit organizations.
Portfolio of 110-150 accounts in territory with revenue goal of $600,400, managing 11-15 account managers using consultative sales methods.
Increased monthly sales production by 15% through coaching best practices
Assistant Vice President / Regional Small Business Lender
Flagstar Bank
2008 to 2010
Responsible for developing new deposit, loan and merchant business for a specific target market of small to medium size businesses and business professionals; providing a superior level of customer relations and service; and ensuring compliance with Bank policies and procedures. Attaining established individual, department and Bank goals through active participation in sales management and officer call programs. Territory of 10 banking centers.
Regional Sales Manager
Flagstar Bank, CE
2007 to 2008
Responsible for the planning, directing and efficient operation of managing 20-40 full service bank branches (468 million to 2 billion located in central east Michigan. This includes recruiting, training, business development, lending, operations, product sales, customer service, cash management, security and safety in accordance with the bank's objectives, federal, and state laws.
64% increase in production and 15% decrease overall branch expenses and process efficiency.
Ranked #2 in the company
Regional Mortgage Professional
Flagstar Bank
Indianapolis, IN
June 2004 to November 2006
Responsible for designing, training and development and rollout of the Retail Banking Mortgage program in Indiana consisting of 25 branch locations. Monitoring progress of application process to ensure highest level of service.
Certification of 17 lenders contributing to 55 million dollar pipeline.
Regional Sales Manager
Flagstar Bank
Southwest, Indiana, US
2001 to 2004
Responsible for the planning, directing and efficient operation of managing 5 full service bank branches within Southwest Indiana region. This includes cash management operations, product sales, customer service, security and safety in accordance with the bank's objectives, federal, and state laws.
Recruiting, training and staff development.
Ranked #1 Regional Sales Manager (2004)
Achieved 35% sales growth
Outstanding sales performance achievement, 2006
Avon Service Center Branch Manager II
Teachers Credit Union
Avon, IN
2000 to 2004
Sales and business development
Coach & develop staff to cross-sell products and services
Consumer, Small Business, and Mortgage Lending
Treasury management product sales
2nd Qtr Top Sales Achievement, Top Investment Sales
Assistant Vice President / Branch Manager III
Lincoln Bank
Plainfield, IN
1996 to 1999
Lead, educate, and coach banking staff for profitable growth for Main Office (220 Million)
Call Center management
Strategic planning
Business development including sales of treasury management products
Consumer, Small Business, and Mortgage Lending experience and lending authority
Collection of originated consumer loans
Hiring, terminations, and performance reviews.
Lead recommendation and implementation of Lincoln Bank's Leadership Sales Council
Top Business Development Officer (Manager)
Multiple location management experience
3rd Qtr Top Business Development Officer & Top Sales Achievement Award
Branch Manager II, National City Bank, Indianapolis
National City Bank
19870 to 1995
As Branch Manager II, Lead team of 5 to profitable growth of 26 million dollar asset branch.
Education
IT Certificate in Web Design Fundamentals
Information Technology-Lynda.com -
Indianapolis, IN
2012 to 2013
MBA in Business Administration, Magna Cum Laude
University of Phoenix -
Indianapolis, IN
2007
Alpha Sigma Lambda National Honor Society- 2005
University of Indianapolis -
Indianapolis, IN
January 2004 to January 2005
Bachelor of Liberal Studies in Minor in Psychology, Cum Laude
University of Indianapolis -
Indianapolis, IN
2004
Skills
Leadership, Team Building, Financial Management, Human Resource Management, Lending.
Accountant and Financial Consultant CV
John Rambo
Address, telephone
Accountant and Financial Consultant with over 10 years experience and strong skills in budget Preparation & Control, Financial Analysis, Cost Containment Strategies, Tax Preparation, Full Corporate Accounting Functions, and Leadership and Development of Accounting Professionals.
RESULTS-ORIENTED ● DRIVEN ● TEAM PLAYER ● DETAILED SUMMARY OF QUALIFICATIONS
CPA, Real Estate & Financial Consultant with more than 10 years experience coupled with MBA in accounting and BBA in accounting as well as strong technology skills in Microsoft Office and accounting/financial software.
Proven knowledge of economic and accounting principles and practices, financial markets, banking, and analysis and reporting of financial information.
Solid business management acumen involved in strategic planning, resource allocation and coordination, leadership techniques, and methods for improving performance.
CAREER ACHIEVEMENTS
Financial Management / Accounting
Established $3 billion operating budget for 50 county departments including cost of employee benefits, capital budget, and multi-year financial plans for county government serving population of more than 2.3 million.
Analyzed and reviewed $530 million cost of employee benefits to accurately forecast expenses within 8% of budget.
Implemented process to capture indirect cost reimbursement in grants, created indirect cost rates, which required incorporating additional costs excluded from county cost allocation plan for all county departments and generated recurring revenue of $6 million annually.
Served on team to select and implement PeopleSoft software in conjunction with outside consultant to upgrade enterprise resource planning system for all 50 county departments for 9,000 end users.
Installed Pro system fx to streamline tax return preparation and save up to $300 per return and implemented IBS networked accounting system to enable multiple users to access and enter data.
Prepared tax returns, monthly financial reports, bank account reconciliation for approximately 120 accounts, researched accounting issues, and audited tax payments for wealthy investors.
Oversaw accounting for approximately 30 corporations, prepared financial statements and bankruptcy court filing, maximized cost-effective benefits package.
Completed approximately 40 income tax returns for individuals, partnerships, corporations, trusts, and estates in various income levels.
Managed accounting for 25 corporations and partnerships, prepared financial statements, tax returns, cash flow projections, tax impact analysis, financial analysis, revenue/expense and balance reports, funding agency reporting, and budget monitoring for real estate investing firm.
Investigated and maximized additional revenue from 3rd party sources such as grantors, state and federal government agencies, and other customers by identifying unbilled costs.
Evaluated and approved grant application information forms and indirect cost rates to all county departments to improve understanding of actual costs and improve control of number of new hires.
Monthly departmental projections, monitored monthly spending and revenue collection and processed fiscal transactions and prepared weekly schedule of year-to-date spending by fund and department.
Created annual grants plan and revenue manuals, which were central depository for information for both county employees and public.
LEADERSHIP
Managed, mentored, and motivated team of 12 accounting professionals utilizing intellectual and task-focused leadership approach to make detailed long-term plans while valuing action, speed, efficiency, and consistency.
Facilitated one-on-one and group training to approximately 80 accounting employees on topics including specific job functions and audit procedures.
Spearheaded newspaper advertising for recruiting senior accountants, calculated costs of various salary and compensation structures.
PROFESSIONAL EXPERIENCE
FINANCIAL CONSULTANT January 2012 – Present
CERTIFIED PUBLIC ACCOUNTANT Mireille, NY
MANAGER, EMPLOYEE BENEFITS ANALYSIS March 2004 – December 2011
LAFAYETTE COUNTY, OFFICE OF MANAGEMENT & BUDGET Lafayette, Vt
TAX MANAGER July 1998 – February 2004
ICE T COMPAGNY CO. INC. New York, NY
SELECTED ADDITIONAL EXPERIENCE:
Accountant, Delacroix, New York, NY
Manager, Margolin, Winer & Evens Certified Public Accountants, Garden City, Fl
Real Estate & Financial Consultant, RD Management Corporation and J&W Management Corporation, St. Mark, Fl
EDUCATION
MASTER OF BUSINESS ADMINISTRATION IN ACCOUNTING
BACHELOR OF BUSINESS ADMINISTRATION IN ACCOUNTING
FIDEL CASTRO UNIVERSITY St. Mark, Fl
SELECTED PROFESSIONAL DEVELOPMENT, ASSOCIATION, & RECOGNITION:
Certified Public Accountant
Chartered Global Management Accountant
Member, American Institute of Certified Public Accountants
Member, New York State Society of Certified Public Accountants
TECHNOLOGY
Proficiency in Microsoft Excel, Word, Outlook, and SharePoint
Expertise in Quicken, QuickBooks, and Peachtree Accounting software
Highly skilled in Gosystem and Pro System fx tax programs
Experienced in FAMIS, One Write Plus, and Lotus 123
Skilled in various real estate packages including IBS, Raish, Center.
Credit Cards Processing Specialist
Queens, NY
Highly motivated to work in a professional environment where I can utilize my banking and administrative skills and work experience.
Work Experience
Credit Cards Processing Specialist
Bank CSI Miami USA
New York, NY
May 2003 to October 2014
Processed Visa / American Express credit cards payments & renewals
Reconciled daily credit cards transactions / Prepared GL- tickets
Mailed monthly credit cards statements to customers
Reviewed General Ledger reports (Visa, Amex credit card / wires transaction.)
Maintained daily Master / Int'l Suspense Reconciliation Report on excel spreadsheet
Actively interacted with credit cards co., branches, and officers on account inquiries
Handled emails quickly and efficiently
CTR / OFAC Analysis
Verified / confirmed daily Currency Transaction Report
Processed CTR104-form on the ATCHLEY System
Prepared monthly CTR reports for Board of Directors
Prepared FDIC documents to meet auditor's requirements
Performed FINCIN/OFAC searches (credit cards, safe deposit & monetary report.)
Maintained daily Master / Int'l Suspense Reconciliation Report on excel spreadsheet
Prepared EOM suspense report for accounting dept.
Prepared EOM CSI: Miami Access customers service charge invoices
Time Deposit Clerk
Established Dom/Int'l Time Deposit: Accounts (Regular, Primes, Triple Choice, Flex and Ira's)
Processed TD auto renewals, yearly fees, and back valuation adjustments.
Handled TD Partial Payments, Full Payments, Cancel Principals, and Additional Funds
Reconciled daily entries and prepared GL- tickets for bank
Verified daily General Ledger reports for outstanding balances due to errors
Maintained daily Dom/Int'l daily interest rates for various bank products
Ensured proper documentation are filed
Account Administrator
INC Bank
Jersey City, NJ
May 1996 to May 2003
Processed Global Custody Accounts
Obtained Credit, Billing, Tax and KYC approvals
Handled all requests via- Email
Setup Brokers, Administrator Officers and Investment Managers
Setup depository accounts link/de-linked agent asset accounts
Security Administrator
Performed all necessary procedures to maintained the integrity of our systems /applications
Standardized and implemented procedures ensured community adheres to audit regulations
Conducted accurate evaluation of level of security required
Setup aims and mars user's ids and passwords reset for staff globally
Operations Clerk
Marin and Marin, Corp.
New York, NY
February 1993 to May 1996
Processed domestic and international trades for traders
Reviewed RVP-DVP failed report daily ensured all trades cleared
Utilized (CHASE) system to maintained opened and closed daily balanced
Prepared daily bank deposits to chase
Wired domestic and foreign currencies
New Accounts Clerk
Toulousa Securities Corp
New York, NY
March 1991 to February 1993
Processed all types of accounts (individual, institutional, estate, UGMA, options and prime brokers)
Maintained customer's accounts and followed-up on missing documents
Quickly and efficiently, answered branches inquiries
Data Entry Operator
Sony Corp.
New York, NY
April 1989 to March 1991
Provided data entry support to traders
Processed all buys/sells (Corporate/Government/Municipals) bond trades
Utilized ADP system (BTS-DNS)
Verified and balanced all trades
Data Entry Operator
Societe Generale Securities
New York, NY
May 1983 to April 1989
Processed a wide variety of domestic and foreign exchange trades
Confirmed all settlements via (euroclear, cedel, sicovam, and DTC)
Verified statements holdings on a monthly basis
Balanced all daily processed trades
Education
College of Staten Island
2015
Additional Information
ADP, Swift, Bloomberg, Master Account Catalog, Tax-Tracker, FIS/CERTEGY, Card-Source, Impact, Systematic, Client Link, Microsoft Office, Clerical and Administrative duties, MD Land, Docutap.
Position in Finance - CV
Mary S. Travers
4-6 Mavrodi Street 718 555-4478
RR, NY 12440 e-mail: Rgbi85@ii.com
Consultant Feb 2009 - Present
Per Diem employment for various commercial management companies & CPA firms – Financial statements, lease analysis, escalation billings, tenant audits, lease abstraction, lease input
ADVANCED ASSET PROPERTY MANAGEMENT, Five Gh, NJ
REAL ESTATE MANAGERS
Controller Feb 2007- Jan 2009
Responsible for the accounting and management of 1700 units of distressed residential real estate - majority of the units being town homes
In charge of all treasury functions, which included transferring funds, signing checks and cash projections
Maintained the property management accounting software for three different systems-OneSite, RentRoll and Quickbooks
Evaluated and negotiated with Intuit Software Systems for a possible conversion to the MRI accounting management software system
Reviewed the monthly accounting package prepared by the Property Accountant before distribution to owners, CFO and SVP of company
Responsible for maintaining all insurance coverage for the properties and dealing with outside brokers
Prepared month end management and incentive commissions
Responsible for maintaining, supporting and supervising four field management offices and their bookkeeping and management personnel
Real Ad and Sisters, New York, NY
REAL ESTATE OWNERS/DEVELOPERS/MANAGERS
Controller Apr 2002-Sept-2006
Responsible for the accounting and management of 30 New Ark apartment buildings
Prepared and filed all New Arc required reports-RPIE, MBR, SCRIE and Fuel Increases
Worked with outside attorneys in preparing filings for real estate certiorari proceedings
Responsible for maintaining the BJ Murray Accounting Software system
Prepared real estate tax escalations, commercial rent and sales tax returns
Responsible for all treasury functions, capital calls related to company funds and partners personal funds
Coordinated the year end audit with outside accountants
Responsible for reviewing and if needed, changing all vendor contracts
Coordinated all banking functions from daily reporting to refinancing to wealth management
Supervised staff of accountants, bookkeepers and property managers
Responsible for running of the office staff
Responsible for all information related to the accounting and management of regional enclosed malls, strip centers, office buildings, condominiums and apartment buildings
Abstracted all commercial leases and maintained same on MRI Real Estate Software Program
Involved in conversion from old property management software program to MRI Real Estate Software Program
Responsible for all CAM, Real Estate, Insurance, CPI and Percentage Rent escalations
Prepared monthly accrued financial statements with budget to variance analysis
Prepared year end budgets and future projection analysis
Responsible for coordinating and supervising all tenant audits
Assisted outside attorneys in preparing filings for real estate certiorari proceedings, bankruptcy proof of claims and tenant collections
Worked closely with Portfolio Managers and Leasing Departments on special projects
THE IGA GROUP, Malibou, Main
REAL ESTATE OWNERS/DEVELOPERS/MANAGERS
Assistant Controller May 1995-March 2001
Prepared cash flow statements and accrued financial statements for regional enclosed malls
Reported budgeted versus actual results to partners on a monthly basis
Prepared year end budget package
Reviewed and abstracted leases
Responsible for all commercial escalations
Coordinated annual audit with outside auditors
Analyzed budget variances
Analyzed real estate closing documents and construction loan documents
Involved in all aspects of accounts payable, accounts receivable and cash management
Special projects as requested by Chief Financial Officer
Computer Skills – MRI Real Estate Software, SkyLine, LAMBS, BJ Murray, OneSite, RealPage, MDS, Microsoft Excel & Word.
Education – B.A., Accounting, Queens College New York.
References available upon request.
Sales - Bank
UNDERWRITER
Excellent communication and presentation skills; works well independently and as part of a team.
Accepts challenges easily and embraces change. Well organized; detail oriented.
3 years of formal Legal training combined with strong finance skills and exposure.
Leverages over 10 years' experience in the Mortgage Industry with well-known companies - Bank of America, Citizens Bank, GMAC in roles such as: special assets, documentation, Morgan Stanley, HASP/HARP teams and commercial underwriting.
Achieved 100% accuracy rating on loan reviews without any loan defaults or buy backs from Fannie Mae/ lender.
Work Experience
Credit Analyst
Santander Bank
East Providence, RI
June 2013 to Present
Credit Analyst III- East Providence, RI
Reviewed mortgage loan submissions and to issue Conditional Loan Approvals in compliance with lender's guidelines. Monitor and maintain compliance with all underwriting/ funding policies and procedures within federal, state, local, and corporate regulations. Ensure prompt and efficient service through consistent and timely communication to Sales, Processors and Funders.
Underwrote Residential Loans including first mortgages with Heloc/ Consumer loans.
Researched an d evaluated 'Data Verifies', initial alerts of fraud including Social Security mismatches, documentation mismatch, etc. Responsible for clearing data verify alerts.
Res Appraisal Analyst II
Santander Bank
DORCHESTER, MA
December 2009 to June 2013
Responsible for auditing Appraisals for Consumer, Correspondent, Retail and Wholesale loans. Managed and prioritized personal work cue. Efficiently processed daily work, rush transactions and special projects.
Worked closely with Licensed Appraisers/ AMC to ensure that the appraisals that have meet Uspap/ Fannie Mae & Santander guidelines.
Verified that the title, flood and the appraisal report match what is in Unifi/ Consumer Database. Requested revisions through Real Ec/ Unifi when necessary and updated the reviews accordingly.
Updated Unifi/ Consumer database with the final review. Providing a thorough analysis of the Collateral/ Collateral Risks to the underwriter so that they could accurately assess the strengths/ weaknesses of the transaction.
Residential Underwriter
PHH Mortgage
Mount Laurel, NJ
June 2005 to November 2009
Reviewed mortgage loan submissions and to issue Conditional Loan Approvals in compliance with lender's guidelines. Monitor and maintain compliance with all underwriting/ funding policies and procedures within federal, state, local, and corporate regulations. Ensure prompt and efficient service through consistent and timely communication to Sales, Processors and Funders.
Underwrote Residential Loans including but not limited to Conforming, Morgan Stanley &HASP/HARP loans.
Accurately Completed Cash Flow Analysis and Asset based income (APM) of each borrower by using the borrowers Pay Stubs/W-2/Award Letter/Personal Tax returns/Business Tax Returns/ Profit & Loss and asset statements.
Achieved 100% Accuracy Rating from PHH Quality Control on files reviewed and complete an average of 6 loans a day.
Researched and evaluated 'data alerts', initial alerts of fraud including Social Security mismatches, documentation mismatch, etc. Cleared Data Alerts or escalated the file to fraud team for review.
Residential Contract Underwriter
Citizens Bank
Providence, RI
2002 to 2007
PHH Mortgage, Mt. Laurel, NJ: Per Diem/ Residential Contract Underwriter
Clayton Holdings, Inc., Shelton, CT: Per Diem/ Contract Underwriter
Underwrote Residential Loans for Mergis Group's client. Managed an average pipeline of 30-70 loans and expected to process at least 15 underwriting tasks a day.
Accurately Completed Cash Flow Analysis of each borrower for Mergis group's Client by using the borrowers Pay Stubs/W-2/Award Letter/Personal Tax returns/Business Tax Returns.
Underwrote Residential Loans for Aerotek's Client including Conforming & HASP/HARP loans.
Accurately Completed Cash Flow Analysis of each borrower for Aerotek's Client by using the borrowers Pay Stubs/W-2/Award Letter/Personal Tax returns/Business Tax Returns.
Well versed in DU/LP Automated Underwriting systems, Cash and Idesk systems.
Responsible for Accurately Completing Scrub of Commercial Loans for Clayton's Client.
Underwrote C&I and Real Estate Loan files to ensure accuracy of Thrift Financial Reporting for Clayton's Client.
Reviewed and corrected Fed Class, Collateral Code, Secured Code, CRE Indicator, Purpose Code & GL Code on Loans.
Commercial loan documentation
Bank of America
Providence, RI
2000 to 2014
Protected Bank's interest in Commercial loans by reviewing and preparing loan documentation for multi-million loans; included rates, fees, loan terms, property details, insurance and environmental. Ensured legal entities were in good standing.
Performed UCC Searches, Filing UCC & Ordering Certificate of Good Standings for transactions.
Accountable for the Financial Booking of each Transaction.
Processed Syndications, Parti-Boughts, Letters of Credit, Direct Pay Letters of Credit, R-Credits, Performing Loans and Special Assets/ Non Performing transactions.
Worked with CSA, Underwriters, Market Leaders, Banking Officer and Attorneys to process transactions efficiently.
Education
FHA Online University
2009 to 2010
Credit Risk Management
Banker's Academy
2012
Law
Dartmouth - North Dartmouth, MA
2001
Bachelor of Arts in English
Assumption College - Worcester, MA
1992
Additional Information
SKILLS & KNOWLEDGE
Federal, state, industry & lender policies/regulations effectively processed Commercial & Residential Real Estate/ Construction/ Rehabilitation/ Home Equity Transactions.
Federal consumer lending regulations, disclosures, and reporting, including ECOA, HMDA, Reg Z, TILA, FCRA, RESPA, and state requirements.
Processing Loans & Titles, researching and analysis; writing reports; problem solving issues regarding financial & legal documents to service clients.
Well versed in DU/LP Automated Underwriting systems, Real Ec, UNIFI, Consumer Database, Access, Cash and Idesk systems
Proficient in Idesk, Cash, GCF, AFS, Action, Windows, Microsoft Office, Stewart Docs, Softpro, Loan Soft, Excel, Power Point, Credit Review, Mainframe, Westlaw, Lotus Notes, Morvision, Lexis Nexis, Empower and other computer programs.
Accounts Receivable Clerk (Internship)
Seeking a position as an accountant utilizing experienced professional skills within the Banking Industry and the knowledge of accounting procedures in order to assist with periodic accounting processes and responsibilities.
Work Experience
Accounts Receivable Clerk (Internship)
Prada USA Corporation
Bayside, NY
September 2012 to October 2014
Enter and update Accounts Receivable in SAP while reporting aging status to management
Responsible for updating Prada's Management Report of Accounts Receivable on a daily basis
Post Credit Note journal entries into SAP after receiving approval from customer and management
Assist in the physical and electronic filing of internal reports and invoices
Bank Teller
Laurentian Bank
New York, NY
January 2009 to August 2012
Ordered daily supply of cash; verified accuracy and recorded all transactions promptly
Accepted and verified the accuracy of all cash and checks deposits/withdrawals transactions
Data entry of all transactions made to generate customer receipts and cash receipts
Employed security measures to ensure funds were not compromised; complied with established internal controls and procedures
Provided excellent customer service and maintain customer satisfaction
Waitress/Hostess
Provalone Bistro
May 2008 to December 2009
Operated cash register and managed telephone orders
Provided excellent customer service
Supervised customer turnover to efficiently sit patrons while still providing great services
Computer Technician / Lab Assistant
Jamaica Borough Community College
Jamaica, NY
October 2001 to February 2008
Assembled computer hardware and install computer operating systems and software
Resolved technical difficulties with computers & audio/video equipment for professors and staff
Managed and organized schedule for the use of Computer Lab room and equipment
Education
Liberal Arts
Jamaica Community College -
Jamaica, NY
December 2012
Summary of Skills
Strong knowledge of Microsoft Excel
Experienced in SAP ERP
Proven ability to adapt to the demands of a diverse and challenging workload
Motivated speaker
Great team player & independent worker
Detail-oriented and quick-learning
Accounting Position
Objective: To obtain a challenging position where I can utilize my skills, experience and educational background with an opportunity for professional growth in accounting field.
Summary:
Over 10 years of experience in accounting – A/P, A/R, Payroll, Bank Reconciliation, Trial Balance, General Ledger Posting, End of month book close; Job cost calculated; Inventory control; P/L reporting, balance sheet preparation, quarter/annual report preparation. Sales commission report & Royalty report preparation.
Proficient in computer tools including MS Word, Excel Spreadsheets, QuickBooks, Excellent in retrieving data, researching information and preparation of reports.
Good People skills with experience to interface with Auditors, Vendors, Clients, Management and internal departmental professionals in projects or information gathering.
Detail oriented and great in planning/scheduling/tracking; always on time for assignments and ready to dedicate extra effort to work at flexible hours to meet emergency business/operational demands.
Work Experience
Consultant
Responsibilities all of bookkeeping job duties; including accounts payable, accounts receivable, payroll, bank account reconciliations; general ledger and financial reports. Assist with financial end of month book close;
Set up new book for company use Quickbook Pro;
Create payroll checks in Paycycle system or ADP Easy Pay follow client’s schedule; and Payroll tax return filing quarterly;
Prepare sales tax filing quarterly;
Prepare fiscal year income tax return for business and personal.
Company XXYY
Senior Accountant
Responsibilities all of Banking (deposits, wire transfers, stop payments); Bank account, and credit card reconciliation; Vendor inquiries; Cash disbursements; Petty cash; General ledger maintenance; Journal entries.
Processed all accounts payable and accounts receivable transaction using QuickBook. Charged back resolution.
Assisted credit approved invoices to factor; Factor account reconciliation monthly.
Reviewed A/R aging and follows up with customers. Prepared A/P schedule and proposed disbursement schedule. Reconciled and records payroll data received from payroll processing company.
Prepared weekly/monthly financial reports (P/L, Balance sheet, Cash Flow; Budget & Actual Comparison etc.)
Prepared Audit schedules for external auditors and tax return preparation.
Managed company overhead: Administer estimated taxes; sales tax, track leases, track insurances.
Prepared sales commission reports monthly.
Prepared Sales Royalty report quarterly.
Analyzed manufacturing costs, prepared reports and updated costs and inter-company pricing throughout the product cycle and sales chain. Compiled cost information to be used in assisting with budget preparation.
Provided reports and recommends improvements to cost and sales related processes.
Prepared monthly inventory and cost accounting entries. Managed physical inventory count with warehouse, prepared adjustments on monthly closing.
Provided weekly inventory report/sales report to Owner, Operations Manager & Sales Team. Contacted forwarder regarding all of production shipment custom clearance and delivered.
Entreprises YY
Full Charge Bookkeeper
Responsibilities all of Banking (deposits, wire transfers, stop payments); Bank and credit card reconciliation; Vendor inquiries; Cash disbursements; Petty cash; General ledger maintenance; Journal entries.
Processed all accounts payable and accounts receivable transaction using Quick Book. Charged back resolution.
Reviewed A/R aging and follows up with customers. Prepared A/P schedule and proposed disbursement schedule. Assisted credit approved invoices to factor.
Reconciled and records payroll data received from payroll processing company.
Prepared weekly/monthly financial reports (Profit & Loss, Balance sheet, Cash Flow; Budget & Actual Comparison, Sales reports etc.)
Prepared Audit schedules for external auditors and tax return preparation.
Managed company overhead: Administer estimated taxes; sales tax, track leases, track insurances.
Prepared sales commission reports monthly. Prepared Sales tax reports quarterly.
Calculated job cost, inventory control.
Worked directly with Owner, Operations Manager & Sales Team on all financial matters.
Follow up all of production shipment custom clearance and delivered.
ZZZ Import-Export Company
Bookkeeper
General all bookkeeping including: Trial Balance; General Ledger; Cash Receipt; Daily Sales; A/R & A/P.
Bank reconciliation; maintained all bank record. Financial Statement monthly. (Balance sheet and profit & loss).
Prepared Payroll; Pick up Phone; Filling & storage Master file maintenance.
Followed up customer order and kept track shipment schedule. Checked with shipment samples and follow up shipments schedule.
Education
Lincoln College, Spilberg City, CA
Degree: Bachelor Degree in Accounting
Technical Career Institutes, San Francisco, CA
Degree: Associate Degree in Computerized Accounting
Computer Competencies
Proficient in Microsoft Office Applications (Word, Excel Spreadsheet, Outlook), QuickBook Pro.
Languages
English, Australian, British, Chinese (Cantonese and Mandarin)
References Available Upon Request.
Retail Banker
To obtain a position that will utilize all of the skills and education that I have acquired as well as learn additional skills to fulfill my new position.
Work Experience
Retail Banker
Heartland Bank & Trust
Countryside, IL
May 2003 to Present
Handling confidential information
Assisting and resolving customer problems face-to-face and via telephone
Utilize switchboard skills to transfer calls to the appropriate department corresponding to customer needs
Manage multiple tasks and respond to pressure and change with poise and confidence
Maintaining calendars and tracking deadlines
Maintain monthly and daily reports
Prepare monetary instruments including bank checks, certified checks, bank wires and transfers, open and/or maintain accounts, handle large monetary transactions and reconcile teller and branch proofs
Externship
Bridgeview Court House
Bridgeview, IL
June 2001 to April 2003
Administrative Assistant
Assisted the Public Defender's Office
Interviewed prisoners and prepared court related forms before trials
Translated questions and answers from Polish to English
Gathered files for multiple Attorneys before and after court cases
Skills
Strong oral, communication and listening skills
Microsoft Word, Excel, Access, Outlook, Westlaw
Excellent research skills
Typing rate of 50 WPM
Teller
Family Bank and Trust
Palos Hills, IL
December 1997 to May 2001
Motivated new employees through their training period
Demonstrated the ability to independently make sound decisions based upon Bank policies, knowledge, and experience
Balanced cash drawers, vaults and Automated Teller Machines
Education
Associate in Applied Science in Paralegal, ABA
Northwestern Business College
April 1997
Main Banker
Self-motivated and goal oriented team player, seeking to utilize my communication and organizational skills with a reputable company, and to gain knowledge that can enhance my professional career.
Work Experience
Main Banker
Horseshoe Casino
Hammond, IN
February 2007 to Present
Monitor and manage inventory level and balance the NRT machines.
Oversee operations of the Boat Vault and Chip, Marker, Main, and Diamond Jackpot banks.
Accountable for accuracy and documenting of all incoming/outgoing currency, coins, vouchers, tickets, bank deposit and other monetary instruments.
Responsible for the accurate counting of cashier tills returned.
Guest Teacher
School City of Hammond
Hammond, IN
October 2001 to January 2007
Instruct according to the teacher's lesson plans for the daily assignments.
Create and integrate lesson plans for sudden teacher absences.
Maintain a safe, structure environment for students.
Customer Service Representative
David's Bridal
Merrillville, IN
September 1996 to September 2001
Create and maintain relationships with customer including their wedding profile.
Setup and verify appointment schedule.
Assist in maximizing sales and customer satisfaction.
Trust Operations & Corporate Trust Clerk
Bank Calumet
Hammond, IN
June 1994 to August 1996
Maintain non-Trust customer security transaction records - buys/sells, transfers, re-registrations and post principal and interest payments.
Process Bank Calumet Inc. stock transfers and dividend checks.
Prepare 1099s for Corporate Trust and safekeeping customers.
Organize documents and reports for Officers Trust Committee.
Provide staff support for Senior Vice President of Trust Operations.
Education
Accounting
Sawyer Business School -
Hammond, IN
October 1993 to October 1996
Accounting Clerk
Rod Steiger
Accounting Clerk
Brooklyn, NY
Work Experience
Accounting Clerk
Yan Flemming LLP
-
New York, NY
January 2001 to May 2015
Responsible for employee payroll and benefits administration for a firm that employed between 70-80 employees; activities included entering new hire and termination data into third-party payroll processor's (ADP) web portal, reviewing employee timesheets and obtaining partner approval, and updating employee benefit and payroll deductions.
Interacted with the firm's employees on various HR-related matters including payroll and benefit inquiries, missing timesheets, expense reimbursements, etc.
Processed all employee expense reimbursement requests and ensured that requests complied with the firm's and IRS policies and that appropriate supporting documentation was submitted prior to approval.
Monitored the firm's liquidity by preparing and analyzing daily cash activity including allocating incoming checks and wires to the appropriate accounts, reconciling bank statements to the firm's cash subledger, and investigating any unusual activity or accounting entries.
Reviewed and processed accounts payable transactions and communicated with vendors and staff regarding any inquiries or issues.
Utilized the firm's accounting software (Tabs3 Billing Software) to record and post journal entries.
Assumed accounts receivable responsibilities after the A/R Clerk resigned; prepared invoices, monitored outstanding receivables, and applied receipts to the appropriate client accounts.
Communicated the status of important financial matters to the firm's partners on a daily basis.
Performed client acceptance reviews and prepared conflict of interest reports prior to accepting new clients
Finance Tutor
Pace University
-
New York, NY
January 2002 to May 2011
Tutored undergraduate and graduate students on all topics covered in their finance classes (DCF calculations, present value, valuation assignments, etc.); designed customized study strategies that helped students improve their understanding and exam scores.
sked by the Director of the Center for Academic Excellence to continue serving students after graduation based on strong student feedback.
Education
Bachelor of Business Administration in Finance
Pace University -
New York, NY
June 2005
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