SCOTT DOWNS

**** ******* **. *******, ** ***** (C) 951-***-**** Email:

abg5ut@r.postjobfree.com

SENIOR ACCOUNTANT, AUDITOR OR FINANCIAL ANALYST

Specializing in the development and retention of profits through process or

financial analysis

CAREER MILESTONES

. Pioneered the depository transfer check process for the Taco Bell

Corporation to transfer funds each day.

. Developed process for analyzing the amounts transferred daily from

restaurants to corporate accounts.

. Realized savings to Taco Bell through five new processes; one saved in

excess of $120,000 annually.

. Identified a programming glitch causing a $70,000 overpayment each

month, for months, to FHLMC (Freddie Mac) by the mortgage service

company. The result was a promotion for me to internal audit.

. Computerized the Facilities Capital Cost of Money (FCCM) reported to

DCAA for General Dynamics.

. Capitalized over $83 million dollars in unrecorded assets from the

previous five years to bring current.

. Redeveloped all of the product rates for all programs, for the

previous five year period, generating $15 million in additional tax

related savings on previously un-capitalized expenditures for General

Dynamics.

. Developed a FCCM computer model which the Defense Contract Audit

Agency used on their computers.

. Forecasted capitalization and depreciation for a four year forward

period and computed capitalization and depreciation for the current

period for the division totaling over $110 million dollars in

capitalized assets.

. Established an office furniture business in my garage which was

developed into a 28,500 sq ft retail store.

. Managed personnel, payroll, facilities and inventory during the 11

year period of growth in the business.

EMPLOYMENT HISTORY

MORTGAGE LOAN ORIGINATOR / MLO LIC#: CA-DOC226959 12/2003 - Present

Mortgage Lenders

Mainly in Riverside, CA

Mortgage Loan Originator Duties - CalPERS Member Home Loan Program

Affiliate

As a professional loan originator, I need to be able to work as a team

member with a variety of people. I need to develop marketing

strategies and networking techniques in order to generate business.

As a loan originator, I have been doing these things for over 7

years. I have worked with consumers to get them credit approved,

built a trust between the borrower and myself, come alongside realtors

to build a working relationship and consummate real estate purchase

transactions, assisted processing and underwriting staff members of my

company in gathering needed documents, educated home buyers throughout

the process, and worked with team members to navigate through the

difficult steps to achieve a successful conclusion.

BUSINESS OWNER 04/1993 - 03/2004

A-1 Business Supplies

Riverside, CA

New and Used Office Furniture Business - Retail Warehouse Store

I ran a profitable business for 11 years. I started with humble

beginnings as a used office furniture and equipment business in my

garage. It grew steadily over the years and I acquired new space as

needed to accommodate additional inventory until I had a 28,500 sq ft

retail store. In order to achieve this I had to market myself and

network with consumers, and the community, in order to generate retail

sales growth.

As the business evolved I added new products to the used inventory on

my floor. Working with various vendors, I ordered new products and

arranged for delivery to the store. I managed up to ten employees to

facilitate the ongoing business of shipping and receiving, accounting,

payroll, and office space planning.

SCOTT DOWNS (Continued)

Page Two

SENIOR ACCOUNTANT 08/1989 - 04/1993

Hughes Aircraft (Formerly General Dynamics)

Rancho Cucamonga & Pomona, CA

Aerospace Manufacturer-Missile Systems Division

This was a job which required a variety of tasks to actually get to

the end results needed by the company. In order to accomplish this

goal, I needed to work with other staff to acquire the raw data to

assimilate in my reports. When I started, there was no computer model

to calculate and generate various burden center rates needed for

pricing their products, and charging the government for capital

expenditures. It was very laboriously done by hand which took a lot

time, and caused unnecessary delays. I designed a program to take

capitalized assets and schedule them out by asset class for

depreciation purposes. I reported not only the rates for each product

line by burden center, I also reviewed all of the accounting work

orders (AWOs) for capital expenditures and capitalized them, in order

to generate the actual and forecast reports as needed. The Defense

Contract Audit Agency liked this computer model well enough to install

it on their computers in order to test the validity of the data

submitted to them. Ultimately this resulted in reimbursement to the

company for capital expenditures made to test and manufacture the

military weapons systems they built.

OTHER EMPLOYMENT BACKGROUND

INTERNAL AUDITOR & INVESTOR REPORTING ACCOUNTANT

06/1986 - 07/1989

BUSINESS OWNER 10/1984

- 06/1986

CASH MANAGEMENT SUPERVISOR 07/1981 -

10/1984

OPERATIONS MANAGER 01/1980 - 07/1981

EDUCATION / CERTIFICATION

Nationwide Mortgage Licensing System & Registry 2010 -

2011

Mortgage Loan Originator Licensing & Education Certification

CA-DOC226959

National University - Riverside, CA 1994

Extension Program-Additional units for Bachelor's Degree Program

Whitehead Center/University of Redlands - Redlands, CA 1991 -

1992

Extension Program-for Bachelor's Degree Program

Rancho Santiago Community College - Santa Ana, CA 1982 - 1989

Associate Degrees for Business, Accounting and Liberal Arts

Awarded Lifetime Membership in Alfa Gamma Sigma

TECHNICAL SKILLS

Microsoft Word Inventory Control

Word Perfect

Calyx Point Software Microsoft Excel Power

Point

Microsoft Outlook SAS Programming PC

Programming

REFERENCES UPON REQUEST

There are several people that could be contacted as references, both

professional and personal.

Contact this candidate