MAURICE SCOTT

**** ****** **** ******, ** – Buena Park, CA. 90620

714-***-**** • ad39mc@r.postjobfree.com

Accounting / Finance / Banking

Demonstrated track record of successfully providing solutions for customers’ needs within the Accounting, Finance and Banking fields. Key competencies include:

PROFESSIONAL EXPERIENCE

3/2022- Current

Scott Real Estate – Buena Park

Licensed Real Estate Salesperson.

3/2021- 12/2021

Contractor: US Small Business Administration/High Light Technologies Inc

Process Paycheck Protection Program and make recommendations on collateral needed to secure loans.

Apply accepted financial procedures to analyze financial resources to determine an applicant’s ability to repay requested loans

Review all facts needed to make eligibility determinations by analyzing such factors as the nature and cause of damage, intended use of proceeds, legislative and administrative loan limits, and disposition of insurance and other recoveries.

Ensure loan files contain all pertinent documentation to include conversations with applicants and written recommendations or justifications for conclusions.

Process loan applications on web-based computer systems.

R. B. Financial.

01/2020- 02/2021

Realtor

• Basic office tasks (including, but not limited to, answering phones, maintaining office supplies, sorting mail, scanning mail, filing, e-filing, faxing, photocopying, organizing, and ordering office supplies as needed

• Assist with research and putting together marketing materials, formation of entities (and compliance), bank accounts, contacts/files, calendaring, and travel arrangements

• Kept logs in Excel to keep track of various projects and daily offers submitted

• Serve as intermediary between supervisors and others

• Assisted in coordinating property insurance

• Year end record keeping / storage

• Assisted Asset Manager with various tasks.

HOUSING & URBAN DEVELOPMENT (HUD) 11/2015- 12/2019

CONTRACTOR NOVAD CONSULTING GROUP

AUDITOR

Responsibilities include but not limited: to perform a daily review of FHA case binders to ensure compliance with HUD requirements; have the ability to work with different variations of FHA case binders and apply the corresponding policies; with the use of HUD checklists determine if file is insurable or needs further review, cross-reference information in case binders to information found on FHA Connection.

SCOTT REAL ESTATE – Buena Park, CA 04/2011- 10/2015

Licensed Real Estate Salesperson

BANK OF AMERICA – Westlake, CA 01/2012 – 02/2012

Underwriter

R.B. FINANCIAL. - Hawthorne, CA 02/2010 - 03/2011

Underwriter

Service loans for loan modifications and refinancing packages. Soliciting cold calls to potential homeowners and prospective clients from various Homeowner’s databases. Maintaining job knowledge by reading and understanding pertinent investor announcements, bulletins, periodic manual updates, and attending applicable training sessions.

Assess credit position and clear stipulations.

Ensure compliance to state, federal and company regulations/requirements.

Perform risk analysis and make credit decisions on new loan submissions based on verification of collateral, credit, and income.

Work closely internal staff and outside brokers on stipulations and loan restructuring.

Calculate income. Analyzing complex tax returns. Evaluating credit worthiness. Debt service ratios.

Estimate closing costs. Evaluating asset and liability verifications.

Preparing and distributing notification of loan decision to applicant.

Ensuring that underwriting requirements are satisfied.

Assisting in maintaining pipeline reports.

Maintain current knowledge of portfolio loan programs and guidelines, as well as awareness of trends that may impact credit risk.

Review appraisal to determine if property conforms to company guidelines.

Review Escrow Instructions and Preliminary Title Reports for unusual items that affect the underwriting decision.

U.S. SMALL BUSINESS ADMINISTRATION – Santa Ana, CA 2007 - 2009

Commercial Loan Specialist.

Review and gather facts and data relating to the loan balance, lien situations, collateral, interests of other creditors, and any assets of the borrower which may provide recovery to SBA.

Discuss general and specific case plans and plans of action with representatives of the participant lender to ensure that all available alternatives are explored; and coordinate with lenders and others to maximize recovery for the Agency and minimize loss to the obligator(s).

Review participant lender’s liquidation plan as required by loan program, to ensure that all proper steps are included to achieve the orderly liquidation of the particular debt in a prudent and commercially reasonable manner in order to maximize recovery on the loan.

Monitor and provide oversight as required by loan program the participant lender’s actions with regard to a variety of liquidation activities including taking possession of inventorying and protecting collateral; obtaining necessary appraisals; determining the method of disposal; determining when abandonment of collateral is in the best interest of the Agency etc.

ARGENT MORTGAGE COMPANY – Orange, CA 2003 - 2005

Mortgage Associate (Underwriter)

Maintain current knowledge of portfolio loan programs and guidelines, as well as awareness of trends that may impact credit risk. Review appraisal to determine if property conforms to company guidelines. Review Escrow Instructions and Preliminary Title Reports for unusual items that affect the underwriting decision. Maintaining job knowledge by reading and understanding pertinent investor announcements, bulletins, periodic manual updates, and attending applicable training sessions. Knowledge of Calyx/Point and basic computer skills.

Reviewing and analyzing loans and documentations.

Assess credit position and clear stipulations.

Ensure compliance to state, federal and company regulations/requirements.

Perform risk analysis and make credit decisions on new loan submissions based on verification of collateral, credit, and income.

Work closely internal staff and outside brokers on stipulations and loan restructuring.

Calculate income. Analyzing complex tax returns.

Evaluating credit worthiness. Debt service ratios.

Estimate closing costs.

Evaluating asset and liability verifications.

Preparing and distributing notification of loan decision to applicant.

Ensuring that underwriting requirements are satisfied.

Assisting in maintaining pipeline reports.

LOS ANGELES COUNTY METROPOLITAN 2001 - 2003

TRANSPORTATION AUTHORITY (MTA) – Los Angeles, CA

Auditor

Conducts contract, management, performance, claim, operational and procedural audits.

Writes audit reports and summaries identifying noncompliance with rules and regulations.

Examines and assesses security, internal control, and accounting systems identifying areas of noncompliance.

Performs accounting and invoice processing activities for departmental contracts.

Reviews, analyzes, and evaluates Authority's accounting, budgeting, and management records.

Conducts field audits and makes recommendations concerning current practices and procedures.

Monitors, investigates and audits vault houses, cash boxes, TVM's and fare to ensure proper handling of revenue.

Reviews, analyzes, and reconciles data obtained by random audits of cashboxes, fareboxes, and ticket vending machines (TVM's).

EDUCATION

BS, Business Administration. Accounting, California State University, Dominguez Hills, California

COMPUTER PROFICIENCY

Calyx/Point – basic computer skills

Contact this candidate