Magda Cruz

**** ********* **

Hermitage, TN *****

615-***-****

Email: c4otjb@r.postjobfree.com

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CAREER SUMMARY

To obtain an exciting career in which I can utilize my experience. I am a dependable individual with experience in many aspects of accounting. My strengths include the ability to monitor and prioritize work with experience providing customer-focused results.

PROFESSIONAL EXPERIENCE

Peoples Home Equity 9/2010-6/2011

Loan Officer/Processor

• Guide clients through the process of applying for a loan.

• Telephone prospects to offer a reduction on their mortgage and interest rate.

• Explain the different types of loans and credit terms available to the applicant.

• Began the process of analyzing and verifying the information on the application to determine the client’s creditworthiness.

• Processing loan application which included ordering appraisal, verification of employment, title and insurance.

• Heavy customer service with clients, title companies, appraisal companies, employment and insurance companies.

1st Choice Funding Inc, NorStar

Loan Officer/Processor

2/2006-8/2010

• Guide clients through the process of applying for a loan.

• Meet or telephone a prospective client, to obtain basic information about the purpose of the loan.

• Explain the different types of loans and credit terms available to the applicant.

• Began the process of analyzing and verifying the information on the application to determine the client’s creditworthiness.

• Processing loan application which included ordering appraisal, verification of employment, title and insurance.

• Heavy customer service with clients, title companies, appraisal companies, employment and insurance companies.

Peoples Home Equity

Loan Officer/Processor

2/2004-2/2006

• Guide clients through the process of applying for a loan.

• Explain the different types of loans and credit terms available to the applicant

• Provide guidance to prospective borrowers who have problems qualifying for traditional loans.

• Processing loan application which included ordering appraisal, verification of employment, title and insurance.

• Heavy customer service with clients, title companies, appraisal companies, employment and insurance companies.

Deloitte and Touché

Bank Reconciliation Analysis

02/1993-02/2004

• Monitored all wire transfers and applied them to the proper invoices.

• Reconciled depository accounts and communicate frequently with the practice offices

relating open items.

• Post any Service Charges to the General Ledger or any changes regarding the reconciliation.

• Constantly monitored action required receipts resulting from unidentified client wire transfers.

• Familiar and involved with the production and testing area of the Financial Control Dept.

Accounts Payable Analysis

• Responsible for all SAP A/P checks that are returned to our office.

• Make all corrections before the check run to make sure all vendors are paid.

• Processed and researched all invoices that are being parked.

• Maintained all the processor statistics on a spreadsheet.

• Researched all returns and refund checks that were received from the vendors.

• Contacted practice offices and vendors regarding duplicate payments and refund checks.

• Research and process all BDC and SA journals.

Budget Car Rental, Nashville-

Sr. Reconciliation Accountant

01/1992 –1/1993

• Responsible for monthly reconciling of cash deposits from all Budget locations in Nashville.

Management Financial Services-

Nashville-Collector/Customer Service

4/1990 – 11/1991

• Contacted over 1,200 customers with delinquent accounts from hospitals within Nashville and Texas area.

EDUCATION

Eli Whitney Vocational High School

Brooklyn, NY 11211

1974 - 1978

SKILLS

Microsoft Word, Excel, Lotus 1-2-3, SAP, Calyx Point and Byte

Bi-lingual Spanish/English

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