Sales Manager

Humberto "Bert" Soto **** W. Ocelot Pl., Tucson, Az. 85713

H.P. - 520-***-****

OBJECTIVE:

To utilize my audit and sales management skills in a position where these

qualifications contribute to

company goals and profits.

LICENSURE

Currently hold State of Arizona Insurance License for Life and Disability

and Property and Casualty.

Currently hold Compliance Expert certificate issued by Credit Union

National Association (CUNA CUCE)

EDUCATION

1979 - Graduate, Salpointe Catholic High School - Tucson, Az.

1991-1994 - Pima Community College- Business Admin/Accounting Transfer

Program - Tucson, Az.

1996 - Graduate, B.S. Business Administration, University of Phoenix -

Tucson, Az.

EXPERIENCE

Tucson Federal Credit Union - Internal Auditor - August 2001 to present

Maintain working knowledge of all developments in regulatory and NCUA

requirements, general accounting principles, and audit techniques. Develop,

maintain, and revise an annual Credit Union audit plan based upon findings

of the Internal Auditor's enterprise risk management evaluations. Review

Credit Union policies and procedures to ensure adequate internal controls

and regulatory compliance. Investigations or special audits at the request

of management and/or the Supervisory Committee; assist the Supervisory

Committee with compliance obligations of Sarbanes Oxley and related

corporate governance initiatives. Conduct independent audits and

examinations of credit union records to ensure compliance with federal laws

and regulations. Reviews and evaluate financial and operational control

policies to ensure operating effectiveness of credit union processes and

staff. Serve as staff liaison with external financial statement auditors,

regulatory examiners and information systems auditors. Assist other

department and branch managers in the credit union by answering questions,

solving problems, and helping with complex work-related matters. Prepares

written and verbal audit reports for management and suggest policy changes

to the board of directors and senior management that will facilitate the

credit union's compliance program and reduce its risk of noncompliance.

Respond to proposed regulatory amendments, new regulations and NCUA rules

and regulation inquiries within required comment period Disseminates

information regarding laws and regulations to appropriate departments.

Examine information systems reports determine whether information generated

contains accurate and complete information. Review accounting department

records for accuracy and potential fraud. Monitor compliance with federal

Bank Secrecy Act/USA Patriot Act and other federally mandated regulations.

Conduct the annually required Automated Clearing House audit and the bi-

annual Star Systems Audit. Attend outside meetings relevant to the position

duties. Conduct auditing reviews to comply with the IIA's Standards of

Internal Auditing. Assist in the investigation of fraudulent activities in

the area of plastic cards and ATMs. Facilitate the annual Board of

Directors election.

Audit Supervisor/Loan Specialist - Clifton Gunderson, C.P.A. and

Consultants - May '00 to July '01, Tucson, AZ.

Perform financial statement audits, loan and collection loan portfolio

reviews and ACH audits of Federal Credit Unions in Arizona, California, New

Mexico and Texas. The scope of the audit review covered investment policies

to ensure GAAP compliance and to assure compliance with NCUA Investment

Rules & Regulations, the review of the Allowance for Loan and Lease Losses

(ALLL) provision, review of loan policies and regulatory compliance,

collection efforts for delinquent and repossessed accounts, teller/vault

cash controls, reconciliation of bank, bank wire (EFT), loan and share

accounts, fixed assets and depreciation policies, loan and share file

maintenance reports. Review of board and supervisory committee minutes for

fixed asset additions and charge off approval, approval of loan and

dividend rates, interviewing and discussing ICQ's completed by credit union

employees to determine internal controls. Preparation of Management Letter

audit findings and recommendation to resolve findings. Conducted exit

meetings with the senior management, Board of Directors and Supervisory

Committees. Review of engagement audit reports to ensure accuracy and

completeness. Trained new auditors in Agreed Upon Procedure engagements.

Corporate Internal Auditor - Citigroup, Inc. - March '95 to April '00 -

Baltimore, MD.

Conduct internal audits of branch offices in Arizona, New Mexico and Texas

to fixed assets, expenditures and disbursements G/L, branch cash controls

and provide branch personnel with guidance in adhering to company policies

and procedures and ensure compliance with established standards of

transacting company business. Ensure that branch offices comply with

regulatory requirements in that the proper signage is present and proper

loan documents are utilized. Review branch efforts in recording of HMDA LAR

and RESPA requirements. Review Prepare audit reports and make corrective

recommendations to middle and upper management for the resolution of audit

findings.

Branch Manager - CitiFinancial, Inc., Tucson, AZ

Responsible for the profitable operations of a $22M branch office to meet

goals set by management. Solicitation of dealer financing programs to

small businesses and corporations with the objective of developing an

effective sales program to meet goals and profit objectives as set by

management. Maintain steady growth of consumer and real estate mortgage

loan volume and insurance premiums. Evaluate credit worthiness of

applicants and set credit limits. Employee evaluations and performance

reviews. Supervise marketing and sales objectives of eight employees.

Perform duties as Relief District Manager and direct collection efforts to

meet monthly company objective of .95% or less. Winner of highest insurance

sales (1997) and highest loan volume for real estate (1998) for Western

Region. Named as the "Responsible Contact for the State Mortgage Banking

License", issued for CitiFinancial, Primerica and Smith Barney by the State

of Arizona.

Assistant Manager - Security Pacific Financial Services (acquired by

Citigroup) - April '91 to February '95

Tucson, AZ

Origination of real estate, consumer loan and dealer financing, and

responsible for management and

collection control of an $8M portfolio. Oversee sales production and

marketing efforts of eight employees.

Assist in evaluation and performance reviews.

Loan Adjustor/Dealer Finance - Arizona Bank - October '89 to April '91

Responsible for all dealer originated refinance and collections of a $15M

consumer loan portfolio.

Branch Manager - ITT Financial Services - July '84 to Oct. '89, Tucson, AZ.

Responsible for oversight of sales and marketing efforts of seven employees

to assist in attaining company objectives for real estate and consumer loan

production. Responsible for the collections and management of a $9M loan

portfolio to meet monthly delinquency goals as set by upper management.

Conduct employee evaluations and performance reviews. Solicitation of

dealer financing program to small business and corporations to increase

sales volume to meet objectives set by management.

Personal Information

Bilingual, read and write Spanish, Many outdoor activities, personable,

reliable, trainable and trustworthy. Currently have passed three of the

four part examination to obtain the Institute of Internal Auditors"

Certified Internal Auditor" (CIA) designation. Next examination date of

May 2010.

Contact this candidate