CYNTHIA A. WILLIAMS – **** Harless Ct, Riverdale GA 30274, 910-***-****, acx8ak@r.postjobfree.com

OBJECTIVE: To obtain a position in the accounting field with upward mobility and opportunities focusing on efficient organization, high ethical standards, team leadership and providing excellent customer service.

EDUCATION: The University of Alabama, Tuscaloosa, AL-August 1984-B. S. in Commerce and Business Administration, Major in Accounting

SKILLS AND ABILITIES: Compute, classify and record numerical data to keep financial records complete. Perform any combination of routine calculating, posting and verifying duties to obtain primary financial data for use in maintaining accounting records. Audit the accuracy of figures, calculations and postings pertaining to business transactions recorded by other workers. Also, counseled consumers in personal finances to include budgets, analyzing credit reports, debt management, mortgage loan products and documentation and guided consumers in applying for federal, state and locally funded foreclosure programs.

WORK EXPERIENCE:

Certified Financial Credit and Housing Counselor-April 2015 – May 2016

Action Pathways, Inc. Fayetteville, NC (Non-Profit 501.3c)-Division: Consumer Credit Counseling Service of

Fayetteville (CCCS)

Responsibilities and duties included:

Conducting counseling sessions with clients on their personal finances by providing financial education and guidance to help clients evaluate their spending habits through creating monthly budgets for household expenses and average monthly income, exploring debt repayment options that fit their needs, providing a forecast debt repayment plan, analyzing client credit reports and providing them with a step by step action plan. This type of financial counseling session would allow clients to internalize a clearer pathway of reaching their short-term and long-term financial goals.

Provided housing counseling sessions focused on preventing foreclosure of client homes by mediating the client-mortgagor relationship, guiding clients through the process of applying for a federal “Making Homes Affordable” loan modification, forbearance, refinance, deed-in lieu or short-term sale, the state funded “North Carolina Hardest Hit Funds” program or a lender internal foreclosure prevention plan which could also result in a loan modification, forbearance, refinance, deed-in lieu or short-term sale.

Other duties included instructing the monthly First-Time Home Buyers workshop which provided consumers with an A to Z financial and housing education to guide them through the process of purchasing a home.

Instructed other financial literacy workshops on credit basics, spending plans, monthly budgeting, pre-bankruptcy filing and post-bankruptcy spending.

Senior Accounts Coordinator-October 2010 – April 2015

Action Pathways, Inc. Fayetteville, NC (Non-Profit 501.3c)-Division: Consumer Credit Counseling Service of

Fayetteville (CCCS)

Responsibilities and duties included:

The coordination, processing and management of client credit/debt accounts enrolled on the Debt Management Program (DMP) according to the CCCS and creditors’ DMP policies reporting directly to the CCCS Director.

Set-up, activate and oversee 350+ DMP client credit card and debt collection accounts averaging 15-20 accounts per client into the Debt Management Solutions (DMS) software by Cooperative Processing Resources (CPR).

Process and post an average of 300-350 client payments received monthly to client DMP accounts, prepare daily deposit batch, apply fair share payments (creditor contributions) received to creditor accounts receivable invoices and set-up client ACH electronic debit payments.

Set-up credit card accounts as an accounts payable for disbursing electronic payments using Electronic Funds Transfer (EFT) and submit proposals electronically to creditors through the MasterCard RPPS system using Electronic Data Information (EDI) billing portals.

Processed weekly check runs disbursing a monthly average of 4000-4500 payments to creditors for each DMP enrolled account to include check voids, client refunds, stop payments or rejected bank wires from creditors and NSF payments from clients.

Monthly adjusting entries to the CCCS Trust account for unpaid accounts receivable, set up weekly payments for the CCCS internal creditors for debit card fees, counseling fees, fair share receivables, DMP fees and deducting monthly bank maintenance fees.

Process end-of-month closing in DMS to include printing all reports, client statements and creditor invoices for fair share receivables.

Calculate and process weekly and end-of-month income reports by branch office with monthly comparison graphs consisting of fair share receivables, program income fees and total receivables for the DMP Dept., Finance Dept. and the CCCS Director.

Serve as point of contact for client relations, creditor communications, account issues, errors or complaints and being the sole problem solver for the DMP department.

Reconcile monthly trust account bank statements averaging over 4000 transactions per statement and researching all 5 year old outstanding checks for the funds to be forward to the NC Treasury Dept.

Administrator of the 1) DMS Manager to include security, adding users, administrative permissions, end-of-month and end-of year close outs; 2) PNC Bank On-line Treasury Banking site for the trust account; 3) Vanco On-line 3rd party disbursing/data services and the 4) Peregrin Technology Solutions site for Credit Counseling Agencies for secure IT creditor relations for debt management.

Upload and transmit the CCCS Quarterly 9902 report to the Federal Housing and Urban Development (HUD) department.

Developed and wrote Standard Operating Procedures (SOP) and a User Guide for the Debt Management Plan department for training purposes of future employees.

Other responsibilities outside job scope included:

Directly supervised two other employees in the security, organization, accurate record keeping, filing and maintenance of the secured file room to include data entry of new files and shredding of outdated files while recording and updating it all accurately on the master-log excel spreadsheet.

Stand in as one of the instructors for the CCCS Monthly First Time Homebuyers Workshops.

Administrator of the National Foundation of Credit Counseling (NFCC) “Sharpen Your Financial Focus” (SYFF) initiative for CCCS. Developed, organized, coordinated and wrote Standard Operating Procedures and a User Guide for the SYFF product to include the training of all staff counselors. Created and processed monthly SYFF accounts receivable invoices.

Computer experience: Debt Management Solutions (DMS), Microsoft Office Excel, Word and Power Point

Community Education and Outreach Coordinator-December 2008 – October 2010

Action Pathways, Inc. Fayetteville, NC (Non-Profit 501.3c)-Division: Consumer Credit Counseling Service of

Fayetteville (CCCS)

Responsibilities and duties included:

Maintained a positive image in the community for CCCS by providing educational opportunities for members of the community through financial education workshops and marketing the services of CCCS through participation in community events that promoted personal financial health and understanding.

Obtained an NFCC-Consumer Credit Counseling Certification and TAHC-Housing Counseling Certification to provide counseling sessions to clients.

Instructor for monthly First-Time Homebuyers and Bankruptcy workshops and other classes that included credit basics, budgeting, spending plans, understanding credit reports, DMP Newcomers, tax preparer basic training, tax filing basics and identity theft while maintaining reports of clients served by branch locations and demographics with pre/post course test scores.

Served two years as Site Coordinator for the IRS-Volunteer Assistance Income Tax (VITA) program, a free tax preparation and filing site for consumers of low to moderate income which involved preparing and submitting IRS forms to obtain VITA site approval and electronic transmission of tax filings prepared, obtaining certification to become an IRS tax preparer, coordinate and organize tax prep training for over 30 volunteers to obtain same certification, preparing consumer income tax forms, submitting reports of final results from tax season and of data collected to grant holders, IRS Stakeholder Representative and the CCCS Director. Tax filings increased by 40% in these 2 years resulting in a 20% increase of grant funding from the IRS.

Developed, organized, coordinated and instructed financial literacy programs for Fayetteville Area Metro Housing Authority-Grove Terrace and Robins Meadow Residents, Senior Citizens under a Wells Fargo grant and the ASPIRE Program Clients and Youth.

Served as speaker of several seminars on credit basics and checkbook record keeping to 7th & 8th grade teens of the Cumberland County School System and the YMCA Boys and Girls Club.

Senior Disbursement Officer-June 2003 – January 2008

Single Source Real Estate Services, Inc. /The Real Estate Law Firm, Fayetteville, NC

Responsibilities and duties included:

Disbursed lender/loan funds from escrow and trust accounts for loan closings

Audited checkbook entries against HUD-1 statements for accuracy

Downloaded electronic fund transfer (EFT) wired loan funds received through on-line treasury banking

Receipted, posted and balanced all funded loans from lenders for each home closing

Submitted EFT or paper check payments to creditors and subcontractors

Prepared daily bank deposits and fee checks, processed all voided checks, stop payments and re-issuance of escrow and trust account payments.

Implemented audit procedures to provide accuracy of disbursements according to each HUD-1 statement.

Created HUD-1 statements for a major refinance company.

Reconciled 2 years of non-reconciled monthly bank statements for 3 separate escrow and trust accounts within 6 months and then kept current the monthly bank reconciliations.

Prepared all end-of-month escrow account reporting

Directly supervised two other employees as disbursement assistants

Computer experience included Streamline for Real Estate Closings, Microsoft Excel and Word and County Public Records Research through Internet Navigation.

Bookkeeper/Office Manager-September 2000 – November 2003

Gore Realtors, Inc. / Gore Rental Property Management, Inc., Fayetteville, NC

Responsibilities and duties included:

Directly supervised 3 office employees and indirectly supervised a staff of 18 real estate agents.

Prepared weekly/monthly/annual financial statements for the Broker-In-Charge/Owner and the external CPA firm.

Processed accounts payable, payroll, related payroll tax payments, agent commission requests for payment.

Prepared monthly commission reports, daily bank deposits, bank reconciliations, petty cash, office supply purchasing and answered phones when needed.

Audited and approved all transactions of the rental property management company escrow account to include rental payments received, owner payments to be made, subcontractor payments and internal office fees.

Overseer of all escrow accounts for both companies and related audits.

Computer experience included Quick Books Pro-2001, Property Management Software, Microsoft Excel and Word.

Accountant/Office Manager-July 1999 – August 2000

Ideal New Homes, LLC / Barry Ratliff Properties, Belton, TX

Responsibilities and duties included:

Managing the day-to-day operations of a residential construction business by directly supervising 2 other office employees and indirectly supervised a staff of 10 real estate agents.

Prepared and analyzed all aspects of accounting for each house building project to include all job data entry, the estimating, budgeting and job costing, job start-ups, final job close-outs, job material and supply purchasing, equipment rentals, subcontractor payments, daily bank deposits, payroll processing, payroll taxes, petty cash, accounts payable and accounts receivable.

Prepared bank construction loan requests and withdrawals per project, end-of-month close outs for financial statements, bank reconciliations and annual financial statements to the external CPA. .

Computer experience included Quick Books Pro-99, Microsoft Excel and Word.

Job Cost Accounting/Billing Clerk-February 1996 – May 1999

Brice Building Company, Inc. Birmingham, AL

Responsibilities and duties included:

Preparing accounts receivable billings (cost-plus; lump sum and AIA with lien-waivers, final billings and monthly job cost reports.

Processed payroll data entry for 400+ employees, coded payroll job activity to job costing codes, printed and distributed payroll checks and all related posting reports.

Oversee inventory of closed jobs and dead job files.

Served as accounts payable overflow data entry clerk as needed.

Computer experience included Construction 36, AS 400, Microsoft Excel and Word Perfect.

Job Cost Accounting Clerk-February 1989-November 1995

Hubbard and Drake General-Mechanical Contractors, Inc., Decatur, Alabama

Responsibilities included:

Preparing weekly job profit reports, cost estimate reports and monthly accounts receivable invoices as cost-plus billings, lump-sum invoices and AIA billings with lien-waivers.

Analyzed job status/progress by cost, processed job cost coding and bonding reports.

Examined contracts for approvals, computed gross contract sales figures and ordered materials for job purchasing.

Assisted clerk with account payables, payroll data entry, sales/use tax computations and equipment inventory.

Maintained worker's compensation claims, petty cash, office supplies and assisted in answering phones.

Computer Experience: Lotus 1-2-3, Microsoft Works and Construction Manager

Job Cost Accounting Clerk-August 1987 – May 1989

B & W Mechanical Contractors, Inc., Norcross, Georgia

Responsibilities included:

Preparing monthly pay requests to general contractors and weekly payments to sub-contractors

Collection calls for all accounts receivables

Data entry of accounts receivable, job-costing and general ledger postings

Assisted with accounts payable as needed

Computer Experience: Lotus 1-2-3 and Construction Manager

CERTIFICATIONS:

NFCC-Certified Financial Credit and Housing Counselor

NCHC-Foreclosure Prevention Training Certificate

NeighborWorks-Credit Counseling for Maximum Results

IRS-Certified Tax Preparer and Site Coordinator-Volunteer Assistance Income Tax (VITA)

Cooperative Processing Resources (CPR)-DMS New Re-Write Version 5 Training (Richmond, TX)

University of North Carolina Chapel Hill-Escrow and Trust Accounts

Former NC and TX State Notary at Large

AWARDS: 2012 and 2009 Director’s Award for Excellence

REFERENCES: Will be provided upon request

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