Autum Castorena

*** *. ****** ***

Hanford, California, 93230

559-***-****

ac57ai@r.postjobfree.com

WORK EXPERIENCE

DEDUCTION CENTER INC., Hanford, California

Chief Operating Officer, Jan 2009 – Present

Prepare or assist in preparing simple to complex tax returns for individuals or small businesses.

Interview clients to obtain additional information on taxable income and deductible expenses and allowances.

Review financial records such as income statements and documentation of expenditures to determine forms needed to prepare tax returns.

Furnish taxpayers with sufficient information and advice to ensure correct tax form completion.

Consult tax law handbooks or bulletins to determine procedures for preparation of atypical returns.

Check data input or verify totals on forms prepared by others to detect errors in arithmetic, data entry, or procedures.

Calculate form preparation fees according to return complexity and processing time required.

Compute taxes owed or overpaid, using adding machines or personal computers, and complete entries on forms, following tax form instructions and tax tables.

Direct or coordinate an organization\'s financial or budget activities to fund operations, maximize investments, or increase efficiency.

Confer with board members, organization officials, or staff members to discuss issues, coordinate activities, or resolve problems.

Analyze operations to evaluate performance of a company or its staff in meeting objectives or to determine areas of potential cost reduction, program improvement, or policy change.

Review reports submitted by staff members to recommend approval or to suggest changes.

Appoint department heads or managers and assign or delegate responsibilities to them.

Direct human resources activities, including the approval of human resource plans or activities, the selection of directors or other high-level staff, or establishment or organization of major departments.

Implement corrective action plans to solve organizational or departmental problems.

Coordinate the development or implementation of budgetary control systems, recordkeeping systems, or other administrative control processes.

Interpret and explain policies, rules, regulations, or laws to clients and individuals.

Prepare corporation Bylaws and Minutes approved by Board officials and ensure that Bylaws are enforced.

Confer with board members, organization officials, or staff members to discuss issues, coordinate activities, or resolve problems.

BANK OF THE SIERRA, Hanford, California

AVP/ Loan Officer, Feb 2003 – Jul 2008

Analyze applicants' financial status, credit, and property evaluations to determine feasibility of granting loans.

Obtain and compile copies of loan applicants' credit histories, corporate financial statements, and other financial information.

Meet with applicants to obtain information for loan applications and to answer questions about the process.

Explain to customers the different types of loans and credit options that are available, as well as the terms of those services.

Review loan agreements to ensure that they are complete and accurate according to policy.

Approve loans within specified limits, and refer loan applications outside those limits to management for approval.

Handle customer complaints and take appropriate action to resolve them.

Stay abreast of new types of loans and other financial services and products to better meet customers' needs.

Review and update credit and loan files.

Submit applications to credit analysts for verification and recommendation.

Analyze potential loan markets and develop referral networks to locate prospects for loans.

Market bank products to individuals and firms, promoting bank services that may meet customers' needs.

Work with clients to identify their financial goals and to find ways of reaching those goals.

Negotiate payment arrangements with customers who have delinquent loans.

Supervise loan personnel.

Interview, hire, and train new employees.

Arrange for maintenance and liquidation of delinquent properties.

Compute estimates of work completed and approve payment for contractors.

Confer with owners and contractors to discuss and resolve matters, such as work procedures, complaints, or construction problems.

Credit Assistant, Jan 2000 – Feb 2003

Generate financial ratios, using computer programs, to evaluate customers' financial status.

Prepare reports that include the degree of risk involved in extending credit or lending money.

Compare liquidity, profitability, and credit histories of establishments being evaluated with those of similar establishments in the same industries and geographic locations.

Confer with credit association and other business representatives to exchange credit information.

Complete loan applications, including credit analyses and summaries of loan requests, and submit to loan committees for approval.

Verify and examine information and accuracy of loan application and closing documents.

Assemble and compile documents for loan closings, such as title abstracts, insurance forms, loan forms, and tax receipts.

Interview loan applicants in order to obtain personal and financial data, and to assist in completing applications.

File and maintain loan records.

Contact credit bureaus, employers, and other sources in order to check applicants' credit and personal references.

Prepare and type loan applications, closing documents, legal documents, letters, forms, government notices, and checks, using computers.

Operations Assistant/ New Accounts, Oct 1998 – Feb 2000

Cash checks and pay out money after verifying that signatures are correct, that written and numerical amounts agree, and that accounts have sufficient funds.

Receive checks and cash for deposit, verify amounts, and check accuracy of deposit slips.

Enter customers' transactions into computers to record transactions and issue computer-generated receipts.

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

Examine checks for endorsements and to verify other information such as dates, bank names, identification of the persons receiving payments and the legality of the documents.

Count currency, coins, and checks received, by hand or using currency-counting machine, to prepare them for deposit or shipment to branch banks or the Federal Reserve Bank.

Order a supply of cash to meet daily needs.

Receive and count daily inventories of cash, drafts, and travelers' checks.

Prepare and verify cashier's checks.

Sort and file deposit slips and checks.

Carry out special services for customers, such as ordering bank cards and checks.

Process transactions such as term deposits, retirement savings plan contributions, automated teller transactions, night deposits, and mail deposits.

Identify transaction mistakes when debits and credits do not balance.

Resolve problems or discrepancies concerning customers' accounts.

Explain, promote, or sell products or services such as travelers' checks, savings bonds, money orders, and cashier's checks, using computerized information about customers to tailor recommendations.

Obtain and process information required for the provision of services, such as opening accounts, savings plans, and purchasing bonds.

Count, verify, and post armored car deposits.

Monitor bank vaults to ensure cash balances are correct.

EDUCATION

Fresno High School, Fresno, California

ADDITIONAL SKILLS

Microsoft Office/Quick Books/ Problem Solver

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