Mortgage and Accounting Professional

Kristy Upton Cell 919-***-****

www.linkedin.com/in/kristyupton ********@*****.***

MORTGAGE & ACCOUNTING PROFESSIONAL

Highly experienced financial professional with expertise in project management, process improvement and implementation in the mortgage banking industry. Ability to effectively create methodologies to handle multiple projects, delivering results to top business leaders. Well developed organizational, multi-tasking, and prioritization skills. Interested in pursuing a career in implementation or quality assurance. Expertise includes:

Strong analytical skills with high attention to detail and accuracy

Ability to develop solid business relationships/partnerships

Mortgage Loan Default Servicing/Underwriting

User Acceptance Testing (UAT)

Microsoft Office – Excel, Word, OneNote – and SharePoint

Outstanding ability to accept any project at different levels of complexity

Verbal, written and interpersonal communication skills

Ability to handle rushed deadlines and stressful situations

Professional Experience

Wells Fargo Home Mortgage, Raleigh, NC 2012- 2016

Implementation Associate 2 2014-2016

Provided input to project managers and project teams on implementation strategy and methods that typically impact multiple or complex systems, workflow tools or products with moderate to high risk. Coordinated and managed implementation resources in identifying and monitoring resolution of issues and ensured tasks were completed according to established timelines.

Interpreted and created process maps, flow charts, project definition documents and other business required documents to create new procedures and/or improve existing processes.

Facilitated meetings with large groups that included top business leaders across all investor groups and coverage areas.

Volunteered for the Q12 Committee and lead a team covering Onboarding materials which included the creation of new job aids outlining the responsibilities of Process and Technology Implementation Consultants.

Won Team member of the month for January 2016

Consumer Loan Underwriter 2012-2014

Reviewed, analyzed, approved and underwrote moderate individual consumer requests for mortgage loan modification products within company and industry guidelines. Inspected financial statements, credit reports, tax returns and other necessary financial documents for accuracy. Calculated income accurately from a variety of resources.

Worked with multiple investor groups such as Bank and Private, FNMA, FHLMC, and FHA.

Specifically requested to be a UAT tester for the Income Review Calculator and designated Subject Matter Expert (SME).

Delegated to attend mediation hearings for complex files to report underwriting decisions.

Identified red flags present within loans and alerted management to the issues.

Kristy Upton Page 2

Carolinas IT, Inc, Raleigh, NC 2011-2012

Accounting Assistant

Recorded payments to customers' accounts and maintained accounts receivable records. Reviewed, prepared, reconciled and analyzed accounting records, documentation and financial reports by applying the appropriate methods of accounting. Reviewed all credit card charges for validity and proper documentation before entering into Quickbooks and completed accurate journal entries to account for charges.

Assisted the Controller and Purchasing Manager as needed.

Ensured proper submission of timesheets so invoicing can be completed timely and efficiently.

Updated spreadsheets and PowerPoint slides for Friday morning company meetings.

Wells Fargo Home Mortgage, Raleigh, NC 2010-2011

Loan Doc Specialist 2

Interpreted policies while analyzing applicant and property documentation to prepare for underwriters. Gathered necessary documents to satisfy loan conditions; frequently communicating with borrowers, loan officers and attorneys. Requested and ordered various items such as titles, appraisals and insurance declarations.

Assigned to HARP project team to manage high volume of sensitive loans that required quick closure.

Specialized in Fannie Mae and Freddie Mac loans.

Trained team members on how to complete and understand special Excel tool used for HARP and was designated as a Subject Matter Expert.

Puritan Press, Inc, Hollis, NH 2007-2010

Accounting Clerk

Audited various reports on a daily basis to reduce risk on overcharging customers and to produce accurate invoices. Reconciled various bank accounts with their statements using Microsoft Excel and prepared bank deposits. Maintained performance reports and consulted with controller daily.

Assisted Accounts Payable with matching vendor invoices with purchase orders

Met with operations to develop and implement functional timelines that reduce the risk of excessive hours on projects that over charge customers causing reputational risk.

Worked excessive hours to assist the Controller with month end reporting and annual year-end audits.

Distributed daily, monthly and quarterly reports to sales management and business leaders.

Education

Southern NH University, BS in Financial Accounting

Magna Cum Laude

President’s List

Nashua Community College (Formerly NH Community Technical College), Associates in Science in Business Administration with a specialization in Accounting, Accounting Diploma

Magna Cum Laude

Certificate of Achievement- Highest Cumulative Grade Point Average

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