Manager Real Estate

Tracey M. Ngo

**** ******** *****, ********, ** *1740 626-***-**** email: ***********@*****.***

SUMMARY

Over twenty four years of banking experience applying a deep passion for accounting practice and inventive problem solving.

Hands-on work style in the development and implementation of goals. Exceedingly motivated in collaborative environment; highly

dedicated and loyal, able to take initiative, quick to acclimate, solve problems and complete special projects in a timely manner.

PROFESSIONAL EXPERIENCE

CENTENNIAL BANK - Fountain Valley, CA June 2007 – June 2013

Accountant

• Analyzed and performed general ledger, broker CD’s and bank account reconciliations

• Monitored and managed the cash flow on daily and monthly basis

• Responsible for deposit rate survey and update on all bank’s websites

• Directly managed A/R, A/P and vendors management

• Responsible for fixed asset depreciation, amortization and prepaid expenses

• Responsible for FHLB reconciliation for advances, interest, stock purchase and redemption

• Processed and reconciled all Investment securities accounts

• Reviewed variances in financial statements and document explanations for significant items

• Managed all wire transactions including Fedtransaction analyzer reporting for BSA purpose

• Monitored OREOs, TDR, nonaccrual, charges off, and delinquency loans

• Prepared concentration report for real estate portfolio and migration of criticized and classified assets

• Prepared monthly forecast with variance analysis

• Prepared internal and external annual audit, tax prep schedules, and act as the primary contact for all their audit inquiries

including FDIC and DFI

• Prepared monthly, quarterly, and annual reports for management and regulatory, including Call Report/FFIEC002, 10k /10q,

FHLB Mortgage Collateral Update, Unclaimed Property, FRB-2910a Annual Report of Deposits and Reservable Liabilities, U.S

Dept. of Commerce – Economic Census – Form SA-52T, 1099-Misc. and 571L

• Assisted controller with annual audited financial statements

• Assisted CFO in monthly board packages such as ALCO, ALL, Interest Rate Risk, and watch list

• Assisted CFO with annual bank budget

DBS BANK - Los Angeles, CA 1995 –

2007

Senior Accounting Officer

• Prepared monthly forecast, variance analysis, and strategic planning reports for General Manager

• Served as a liaison between local regulatory agencies and overseas head office

• Assisted Credit managers in preparation of new projects and start up programs

• Assisted Accounts Manager and Relationship Manager in preparations of spread financial statements into Moody’s Financial

Analyst system, Credit Ray System, and DnB reports and sale tracking monthly report

• Prepared annual bank budget and rolling 4-years forecasts by cost center

• Prepared month-end adjusting and closing entries, including monthly fixed asset depreciation, amortization and prepaid

expense. Reconciled bank statements, GL and Nostro accounts

• Managed the preparation of monthly, quarterly, and annual management and regulatory reports including the FR2900/2951,

TIC, Call Report/FFIEC002, Report of Income, Quarterly California Electronic Funds Transfer Tax Payment, FRY7, W-8, W-9,

1098, 1099, 571L

• Summarized financial analysis in writing and/or through PowerPoint’s presentation

• Primary backup Dealer for the Treasury Department on daily cash management, including interbank funding, money market

trades and foreign exchanges

The Mitsubishi Trust and Banking Corp. – Los Angeles, CA 1993 – 1995

Loan Assistant

• Prepared and monitored the Promissory Notes

• Import L/C negotiation, Issuance and settlement

• Handled Collections, Remittances and Payment Orders

Tracey M. Ngo

1051 Bradford Drive, Glendora, CA 91740 626-***-**** email: ***********@*****.***

Banco Di Sicilia – Los Angeles, CA 1992 – 1993

Trade Finance Associate

• Handled all Commercial Real Estate loans and spot and forward Foreign Exchange contract

• Issued LCs and Bas, and processed incoming and outgoing collections

The Bank of New York, Los Angeles Agency – Los Angeles, CA 1989 – 1992

Trade Finance Associate

• Processed collections, wire transfers and Issued LCs and Bas

• In charge of all accounting related entries.

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