Customer Service Manager

Angela Montgomery

970-***-**** **** NE View Ridge

Lane Poulsbo, WA 98320 **********.******@*****.***

Significant background auditing both financial transactions and contract

documents as well as experience in commission payroll and construction

project accounting.

PROFESSIONAL EXPERIENCE

Internal Auditor & Real Estate Inventory Auditor

Breckenridge Grand Vacations (BGV), Breckenridge, Colorado

8/2013-Present

Key Responsibilities

Manage and reconcile over $250M in timeshare real estate inventory in 4

different resorts with over 100K pieces of deedable units. Audit deeded

sales in resort software system against journal entries in MAS90.

Devise reporting systems with IS to streamline the position resulting in

higher

Audit all financial transactions for resorts and spas and reconcile room

charges and rental income as well as folios with balances.

Audit all new mortgage loan set up accounts resulting from the purchase of

fractional ownerships within 4 resorts.

Monthly balance the liability account and cash in transit accounts as well

as all premiums issued.

Maintain Certificate of Liability Insurance files and audit coverage

expectations for all vendors and sub-contractors used by the Resorts.

Other Accounting tasks as delegated by the Controller

Project Coordinator/Assistant Project Manager

DMB & Associates (Kukui'ula Development Company, Hawaii) Koloa, HI - On

Site & Remote 7/2011-1/1/2014

Key Responsibilities

Report directly to the Director of Land Development and assist in the daily

functions of the land development process within Kukui'ula

Assist the Director continuously with cash flow projections of over 50 jobs

while maintaining balance in the approved budget.

Prepare monthly Funding Requests to request funds needed to cover upcoming

expenses for the current month as related to each job.

Prepare a monthly 90- Day Capital Call of funds to be spent in the 90 day

window as calculated for each job.

Code invoices by job number and cost code in Timberline for payment each

week while balancing to monies funded for in that particular time period.

Draft Master Construction Contracts and Contract Addendums for all

Contractors and Consultants based on the scope of the work and costs of the

job. Verify monies are in place in each job number and cost code to

allocate towards the commitments and log in Timberline.

Audit the committed monies and Job to Date Costs thru a variety of

Timberline reports, spreadsheets etc to insure all monies are allocated

accurately closed once complete.

Responsible for cleaning up the files and records in Timberline for all

committed contracts from inception of development to current date.

Assisted in the preparation of the documents needed to file the first

Community Facilities District project reimbursement in the state of Hawaii.

Assist in the preparation of the annual Lifecycle Financial Plan of the

development and each of its jobs by evaluating existing and upcoming jobs

as well as JTD costs and Cash to Complete.

Verify Pay Applications & Incentives submitted for payment by Contractors

are accurate and resolve discrepancies as needed.

Accounting & Administrative Manager

McKeever Companies Edwards, CO

4/2012-9/2013

Key Responsibilities

Review Oil & Gas Mineral Ownership Files and request outstanding or

corrected documentation as appropriate.

Handle Accounting duties of Windows, LLC (The Breckenridge Wayside Inn),

Development Concepts, Inc, Turnberry Energy, LLC & the Rancho Mirage

construction project. Including, payroll, accounts receivable and accounts

payable.

Process weekly draw requests for residential construction project in Rancho

Mirage, CA and update the weekly Pay Application.

Search for potential development projects based on occupancy percentage,

NOI, demographic info etc.

Create operating budgets for existing and potential projects.

Payroll and Preparation of year-end tax documents and pay monthly sales tax

and employee wage tax as well as quarterly state and federal taxes.

Reconcile all bank accounts monthly and research any discrepancies.

Assist Owner of McKeever Companies with a multitude of tasks and projects

as needed.

Contracts Manager

Breckenridge Grand Vacations (BGV), Breckenridge, Colorado

6/2006-5/11/2011

Key Responsibilities

Report directly to the CFO and lead a team in the daily functions of real

estate transactions while streamlining the process and the organization of

the department for three separate timeshare resorts.

Responsible for calculating the commission payroll for the Sales division

twice a month. Review each deal and calculate commission due based off of

net sales price less concessions given. Also process reversions and bonus

calculations.

Audit the funding & closings thru a variety of reports, spreadsheets etc to

insure all deals are closed accurately based on lender funding eligibility

requirements and internal sales price guidelines.

Verify that each deal sent to be written fits in one of five lender

financial eligibility tiers dependent on sales price, loan amount, equity,

fico scores and down payment.

Run a daily financial report of monies collected and cross check with

monies entered into our software.

Review Broker initial contracts to insure the monies are reflected

accurately and allocated appropriately according to our policies.

Prepare, record, and release real estate documents with the County and make

requested changes to legal title.

Enter new real estate contracts into our system and account for all monies

associated with the real estate closing,

Set up all new real estate deals with our servicing agent accounting for

the new loan balance, trade-ins, loan payoffs and down payments.

Responsible for developing a comprehensive training program for the

Contracts Department to facilitate the learning process for new employees.

Responsible for cleaning up hundreds of thousands of dollars worth of

outstanding deals.

Assign new loans to 4 different lenders depending on eligibility

requirements particular to that specific lender

Absorbed the Closing Assistant position & the Commission Payroll position

into my position as well as took over managing and updating the contract

documents per the corporate attorney from the IT Department.

Manage the in-house loan portfolio by reviewing the portfolio each month

and moving qualifying loans to relevant lenders.

Lead the team while coordinating the real estate closings of each phase of

our new project with all relevant parties. Close over 1000 deals the month

following the issuance of the Certificate of Occupancy each time a phase

closes.

Maintain the lender borrowing base by assigning replacement collateral as

needed.

Prepare Advance Requests for each funding, move loan accounts to relevant

lender codes.

Assist CFO with projects as needed and work closely with the VP, CFO &

Controller regarding inventory control, procedural changes, and cash flow.

Prepare and submit an upcoming funding spreadsheet to assist the CFO with

budgeting cash flow weekly.

Participate in Results Leadership training quarterly.

Closing Assistant

Title Company of the Rockies, Dillon, Colorado

8/2005-5/2006

Key Responsibilities

Input sale, refinance, O&E, and title work only orders into our system.

Prepare and mail out commitments according to strict deadlines. Pull and

send all exceptions relevant to each sale to the buyer.

Order all of the title requirements on all files. Requirements may include,

ordering payoff's, preparing Quit Claim Deeds and Power of Attorneys,

requesting HOA numbers, Operating Agreements, and Corporate Resolutions.

Prepare Policy Transmittals and provide the Final Title Department with all

of the necessary documentation and verification after a file closes, to be

able to issue Final Title Policies. Research and resolve discrepancies.

Review all daily accounting reports and prepare daily bank deposit for

operating and escrow accounts.

Prepare, send and collect all invoices relating to title work only deals

and balance daily in the system.

Prepared and balanced six column worksheets to DR & CR the Seller, Buyer

and TCOR appropriately. Prorating taxes, HOA dues, transfer taxes, etc.

based on the contract instructions and closing date.

Loan Servicing Assistant

Gulfstream Capital Corporation ("GCC"), Conifer, Colorado

10/2003-3/14/05

Key Responsibilities

Calculate and post monthly Principal and Interest payments dependent on

each particular loan and its terms.

Provide Escrow Account Analysis to borrowers estimating their annual

increase in insurance and tax rates to calculate monthly escrow payments.

Send year-end Escrow Balance Reports to each borrower.

Create monthly interest disbursement checks for Preferred, Secondary and

Residual investors using QuickBooks.

Reconcile GCC monthly borrower loan and escrow account balances with

Senior/Junior participant online banking accounts.

Invoice borrowers each month for their Principal, Interest, Late Fees,

Legal Fees, NSF Fees, and Escrow payments due.

Prepare quarterly borrower Equity Reports calculating borrower Interest

Receivable, Total Portfolio Loan Balance, Interest Due Financial

Participants and Financial Participation Balances.

Upon interest rate changes, whether the note is tied to Prime, LIBOR, etc.,

re-amortize the payment, if pursuant to the loan terms, using the T-Value

program. This program takes into account the Interest Rate, Amortization

Period, Payment Date and Maturity Date.

Track all property taxes, insurance, UCC's, and financial statements

relevant to each individual borrower. Send necessary correspondence to

borrower relating to the status of the above items. Also file UCC-3

Continuations with the county and state and force-place insurance coverage

when deemed necessary.

Prepare Participation Agreements, Sub-Participation Agreements and

Assignments when loans are purchased/originated by GCC, with all relevant

financial participants/investors with each loan. These Agreements outlines

terms between GCC and the participants such as their interest rate due,

loan servicing fee to GCC, exit fees due upon a loan paying off, and the

distribution of funds received from the borrower. These are legally binding

documents.

Also help to prepare reconciliations with the participants on the loans.

The reconciliations depict how much the loan was purchased for (with what

percent discount), all attorney fees, broker fees and accrued but unpaid

interest the participants paid up front, the percentage per participant,

the discount, etc. The total participant participation amount must equal

the borrower's loan balance.

Responsible for sending all correspondence to all investors requesting

their signatures on the relevant Agreements/Assignments.

With each new loan acquired by GCC, set up payment histories on Microsoft

Xcel by writing and creating formulas specific to the terms of each

individual note. The payment histories include formulas for categories such

as, Due Date, Late Date, Date Paid, Amount Due, Amount Paid, Interest

Accrued, Interest Paid, Interest Balance, Amount to Principal, Late Fees,

Late Fees Paid, Late Fee Balance, Remaining Principal Balance, and columns

for any relevant escrow accounts.

Prepare borrower 1098's each January to indicate the amount of interest

paid throughout the year to each individual borrower. Send form B to the

borrowers and form A to the IRS.

Responsible for filing the Annual Report Corporate Filings in late April.

Calculate borrower FF&E payments due using the prior months room revenue

numbers from the Income Statement.

On occasion prepare Satisfaction of Mortgage/Reconveyance for the title

companies once a note has been paid in full.

Dividend Accounting Specialist - Corporate Trust Operations

Fifth Third Bank Corporate Headquarters, Cincinnati, Ohio

8/2002-3/2003

Key Responsibilities

Responsible for managing corporate dividend accounts for sixty companies.

Calculated, processed and produced quarterly dividend payments.

Funded dividend payments by debiting and crediting appropriate general

ledger, DDA and trust accounts.

Researched and reconciled discrepancies in issued and treasury share

balances through calculations and account analysis. Monitored and validated

account variances and adjustments due to continuous market activity.

Reconciled trust accounting balances due to the sales and purchases of

stock from dividend reinvestment monies. Responsible for writing training

manuals and for training new employee for this position.

Accounting Specialist - Customer Accounting

BMW Financial Services Corporate Headquarters, Dublin, Ohio

10/2001-4/2002

Key Responsibilities

Accounts receivable duties included updating, reconciling, terminating and

balancing customer bank, lease, loan and trust automobile accounts.

Researched and reconciled account discrepancies due to misapplied or

missing payment information.

Prepared and balanced an inclusive bank deposit for all cash transactions

daily.

Responsible for training new employees for the position of Accounting

Specialist.

Financial Processor/Auditor - Annuities

Lincoln National Life Insurance Company, Fort Wayne, Indiana

3/2000-7/2000

Corporate Headquarters

Key Responsibilities

Processed account withdrawals, terminations and manual checks of qualified

and non-qualified funds.

Audited fellow employees account withdrawals and terminations to ensure

accurate account modifications.

Researched and resolved inquiries submitted by customer service regarding

account discrepancies through account analysis and monetary calculations.

Responsible for training new and existing employees for the position of

Financial Processor.

EDUCATION & ADVANCED TRAINING

Masters in Business Administration, August 2001

Capital University, Columbus, Ohio

Full-Time Program, GPA: 3.8

Bachelor of Arts, August 1999

Indiana University, Bloomington, Indiana

Political Science, GPA: 3.6

*Partially self-funded undergraduate studies and fully self-funded graduate

studies through savings, loans and various types of retail and restaurant

related industry jobs. No gaps in employment; only relevant experience

noted.

PROFESSIONAL AWARDS

Breckenridge Grand Vacations

Silver Medal Finalist at ARDA for Administrative Manager, April 2009

"Behind the Scenes Hero" Award for BGV, December 2008

MBA RELATED COURSEWORK

Financial Management

Explored the goal of the corporation, the agency theory, and the corporate

organization form. Focused on concepts such as financial statement

analysis, capital structure, cash flow analysis, assets valuation, capital

budgeting, term structure of interest rates, derivatives, and risk return

analysis. Financial models such as CAPM, APT, and Black Scholes etc., were

discussed and analyzed.

Corporate Finance

Acquired terminology and fundamental concepts of corporate finance.

Managerial Accounting

Learned effective uses of accounting information in support of

organizational decision-making. The identification, measurement,

preparation, interpretation and communication of financial information in

support of planning, evaluation, and control functions were discussed.

Inventory, allocation of costs, planning and budgeting processes, and

financial evaluation of organizational performance were also discussed.

Business Tax Planning: Income Tax & Business Tax Planning: Estate/Gift

Tax

Focused on corporate and partnership taxation under Subchapters C and K,

respectively, and Chapter 1 of the Internal Revenue Code while discussing

the differences between GAAP accounting and income tax accounting. Estate

and gift taxation were also studied under Chapters 11 and 12 of the

Internal Revenue Code with emphasis on how those taxes affect business

owners. Chapter 13, Chapter 14, and Subchapter J of Chapter 1 of the

Internal Revenue Code and their application to business owners were also

explored.

REFERENCES

Nick Doran, CFO, Breckenridge Grand Vacations 970-***-**** - Letter of

Recommendation on file.

Steve McKeever, President, McKeever Companies, 970-***-****

Peggy Bush, Vice President, Vein Experts 513-***-****

Kevin Arnold, Vice President of Finance, DMB (Kukui'ula) 808-***-****

Art Nehf, Director of Land Development, DMB (DC Ranch) 480-***-****

Darlene Yamase, Director of Talent, DMB (Kukui'ula) 808-***-****

Brent Herrington, Sr. VP & Manager, DMB (Kukui'ula) 808-***-**** (Soon will

have Letter of Recommendation on file)

Michael Millisor & Robert Millisor, President & Vice President of

Breckenridge Grand Vacations - Letter of Recommendation on file.

Contact this candidate