Carlous Brown

Experienced finance and accounting professional with expertise in corporate

accounting, financial analysis, variance analysis, financial models, and forecasting.

Highly skilled at problem solving, consistently meet deadlines, results driven and

good communicator.

Sewell, NJ

acf2yc@r.postjobfree.com - 609- 680-0637

WORK EXPERIENCE

Business Analyst

Sun Home Loans at Sun National Bank - Mount Laurel, NJ - January 2013 to Present

Prepare monthly financial statements

• Oversee all daily and monthly accounting functions for the mortgage company, including proper recording of

gain on sales of loans and commissions calculations

• Prepare monthly mark to market of loans available for sale, commitments, pipeline and ensure that the

recourse reserve is properly stated

• Prepare quarterly available for sale roll forward of all loans pending sale

• Support the Director of Operations and Sales by providing strategic advice and execution of metrics needed

to drive customer satisfaction and risk mitigation

• Participate in the analysis of revenue programs and processes to maximize revenue opportunities for the

organization

• Develop and maintain organization scorecards, dashboards and ad hoc data analysis

• Prepare various analysis, reports and presentations for the monthly board report as well as financial models

and other forecasting reports

• Developed reporting systems for post-closing that reduced suspense rates from approximately 75% down

to 10%

• Assisted compliance with several projects by organizing data from multiple sources into user-friendly content

• Assist with the implementation and maintenance of the mortgage origination system

Senior Accountant

Sun National Bank - Mount Laurel, NJ - June 2010 to December 2012

Oversee all accounting functions for the mortgage company, including commission and gain on sale

calculations

• Assist with the preparation of financial statements and 10k

• Analytical review and variance analysis of multiple income and expense accounts

• Prepare monthly board reports with special focus on mortgage reporting

• Prepare regulatory reporting requirement (Call Report)

• Prepare monthly and quarterly sales and use tax returns

• Assist with project based assignments with varying departments throughout the bank

• Assist with compiling and answering requests from internal and external auditors

Staff Accountant

PHH Mortgage - Mount Laurel, NJ - October 2005 to June 2010

Assist with daily loan review transactions and cash movements, reconcile daily loan funding activity to the

banking activity

• Analytical review and variance analysis of various accounts and its impact on the financial statements and

ensure conclusions are documented concisely

• Process all necessary month/quarter end accruals and reserves

• Prepare the quarterly roll forward of the cash flow for loans available for sale

• Responsible for the quarterly mark to market of loans available for sale

• Frequent involvement in projects that include process improvements and system enhancements

• Assist with updating policies and procedures

• Assist with month end close

EDUCATION

Master of Business Administration in Finance Specialization

Rowan University - Glassboro, NJ

2009

Bachelor of Science in Accounting

Rowan University - Glassboro, NJ

December 2004

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