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Accounting assistant

Baltimore, Maryland, 21207, United States
March 06, 2018

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Florence Mhina-Dennis

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

Baltimore MD 21207

Phone: 410-***-****


Highly analytical, deadline-driven professional who completes accounting activities with accuracy and

speed. Innovative accounting professional proficient in extracting financial data from various reporting systems and suggesting key operational changes. Strategic and analytical finance professional. Designed and created weekly and monthly spending A mortgage industry professional with a comprehensive knowledge of conventional and government loan programs.

Experience gathering information and documents. Verifying loan documents and reviewing file documentation to guide each loan from pre-approval l to closing.

Identify risk through on and off-site examination to ensure that Banks are operating in a safe and sound manner. Auditing documents, and review loans for compliance with applicable state and federal laws and regulations.


FINITI TITLE, Columbia June 2016 to November 2017

Financial Analyst

Accessed computerized financial information to answer general questions as well as those related to specific accounts,

Formulated, prepared, and issued bills, invoices, and account and financial statements.

Checked figures, postings, and documents for correct entry.

Compiled with federal, state, and company policies.

Reconciled HUD 1 Settlement Statement, assuring compliance with lender and government regulations, maintaining high-level quality, and reducing financial risk.

Corrected errors and confirmed accurate funding, lien payoffs, and final mortgage recording by working closely with attorneys, loan officers, and other departments.

Achieved faster, more productive closings and significant cost reductions by conducting 2-week training and implementing closing procedures for Citi’s India Processing Center.

Strategized and implemented necessary changes into processes according to federal regulations, maintaining compliance by keeping staff training up-to-date.

Verified that underwriter's loan conditions are satisfied and collateral documents are signed properly.

Reviewed and reconciled HUD settlement statements prior to closing for borrower's information, account payoffs, home owners’ insurance, property taxes and other pertinent closing information.

Performed financial calculations such as amounts due, interest changes, balances, discounts

Daily cash reconciliations

Making deposits and reconcile to general ledger

Weekly and monthly billing

Process credit card payments

Post payments to customer's account

Reconcile Invoices

Process/Code/Batch invoices for payment

Utilize excel to update Manager Trackers

WELLS FARGO BANK, Frederick, MD July 2015 – July 2016

Bankruptcy Specialist

Knowledge of principles and processes for providing customer and personal services. This included customer needs assessment, meeting quality standards for services, and evaluation of customer satisfaction.

Processed and examined an account balance or a financial transaction for validity, appropriateness, reasonableness, accuracy, sufficient funding, timely recording, proper accounting coding, and/or authorization.

Balanced currency, coin, and checks in cash drawers at ends of shifts, and calculated daily transactions using computers, calculators, or adding machines.

Entered customers' transactions into computers in order to record transactions and issued computer-generated receipts.

Responsible for developing a work relationship with Bankruptcy courts, counsel, and the board of trustees.

Knowledgeable about investor based requirements.

Abided to all policies and procedures, and complied withinternal and external guidelines.

Worked in a fast pace environment and adapted quickly to change.

Effectively handled all work load and completed all assignments within the given time frame.

Comprehensive understanding of payments and able to read and understand payment history.

Assisted clients with prompt billinginquiries.

Effetely communicated with clients and customers, answered all client questions regarding paymentand billing.

Carefully reviewed bankruptcy documents and informationto determine a client’s debt.

Classified a client’sdebt as non- priority, priority, or secured.

Made sure all assets and fees are correctly reported.

Worked withattorneys regarding collection efforts.

Reported report findings to the unit manager.

Monitored and coded accounts throughout the bankruptcy process and contacted appropriate party when necessary

BANK OF AMERICA, Hunt Valley, MD July 2012 – June 2015

Senior Loan Processor

Provided support to loan officer and underwriter teams by ensuring the timely, judicious and accurate processing of mortgages.

Reviewed and verify borrowers’ income, credit reports, employment histories, property appraisals and title insurance information to prepare loan applications for underwriting submittal. Ensure compliance with company policies, underwriting guidelines and lending-program requirements.

Processed residential mortgage loans (FHA, VA, USDA and Conventional) for refinance loans under various programs in a quality consistent with all company policies and procedures as well as meeting all regulatory requirements.

Maintained a pipeline of loans, was responsible for the timely and compliant flow of such loans through the process.

Obtained and reviewed necessary loan documentation and submitted complete packages to Underwriting for loan approval.

CITI MORTGAGE, Frederick, MD April 2009 – May 2012

Loan processor

Performed pre-foreclosure analysis based on the model received in Workout Prospector (WP11) from the servicer to determine which workout options the mortgagor qualify for based on Freddie Mac policy and procedures to prevent foreclosure.

Verified loan documents including income, credit appraisal and title insurance ultimately preparing application for submittal to underwriting.

Reviewed file documentation and made sure all items needed were requested.

Processed residential mortgage loans (HAM, HAMP, FHA, VA, Traditional and Conventional) for refinance and loan modification and various programs in a quality consistent with all company policies and procedures as well as meeting all regulatory requirements.

Maintained a pipeline of 25 plus loans, responsible for timely and compliant flow of such loans through the process.

Obtained and reviewed necessary loan documentation and submit complete packages to Underwriting for loan approval. Meet crucial deadlines requested and perform any additional duties / activities assigned by management.

Loss Mitigation:

Utilized Loan Status Manager and DRI to monitor my pipeline to meet required goals. Met required production goals by reviewing 10 loans per day.

Met required individual production monthly goal of submitting 50 loans a month to the underwriter.

Developed query using access and excel to analyze large quantity of data. Certificate received for HAMP modification program. Certificate received for SAFE act licensed with NMLS.

Monitored, tracked, and reported on project progress to senior management and team lead. Analyze judicial and non-judicial foreclosure documents to determine that the servicer solicited the borrower and informed him of the options available prior to foreclosure I.E. HAMP, HAFA, Forbearance and Extended Alt Mod.

Verified all loan documents were accurate, signed and that the loan authorization matched with the one in WPII before funding the loan.

Home Owners Retention Team: To prevent foreclosure and bankruptcy. The trust or mortgage holder needs to repay a delinquent portion of a loan, because of impending default, foreclosure, bankruptcy, and REO. Before a foreclosure or bankruptcy occurs, a repayment plan is offered to the delinquent mortgage holder to satisfy the amount owed to a bank or lender. Assembled and maintained loan files for accuracy and completeness.

Collector - Effectively utilized an auto-dial and direct dial system, in order to collect on delinquent mortgage accounts.

Obtained Promise to Pay from borrowers and as well as the reasons for delinquency.

Complied with, FDCPA regulations.


“Peoples Friendship University of Moscow “ 1993

Degree in International Law


Accounting / Enrolled


Paralegal / Legal Assistant Diploma


Microsoft Word, WordPerfect, Excel,PowerPoint, The Point System, Word Perfect, HTML coding, Basic Bookkeeping, Mortgage software, ACT II, DRI, ICIS and Encompass, TSS, Title company software, Quick Books, SAP

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