Finance

Sally Kelsch

Sacramento, CA 916-***-**** **********@*****.***

Operations & Financial Services Professional

Results-driven operations and financial services professional with deep experience in office administration, mortgage / lending, credit analysis, collections, and accounts receivable. Proven expertise leveraging financial acumen and exceptional customer service to streamline processes, build impactful relationships, and drive outcomes that improve profitability. Detail-oriented with strengths in analytical problem-solving and cross-functional collaboration.

Operations Leadership

Credit Analysis / Risk Management

Accounts Payable

Accounts Receivable

Process Improvement

Bookkeeping & Inventory Control

Mortgage & Fair Lending

Collections & Billing

Office Administration / Leadership

Strategic Financial Analysis

Negotiation

Medical Billing & Coding

PROFESSIONAL EXPERIENCE

OFFICE MANAGER CPA Elk Grove, CA December 2023 - Present

Orchestrate all office operations for a fast-paced 900+ client accounting business including client account management, risk management, inventory, facility maintenance, event planning, scheduling, and communications.

Foster sustainable, balanced budgets by reconciling accounts payable/receivable transactions while driving adherence to industry GAAP standards.

Increase office efficiency by leading strategic process improvements to save time, improve accuracy, and reduce risk.

Improve workplace culture through the creation and implementation of comprehensive policy manuals that standardized internal procedures and guidelines.

SENIOR DE UNDERWRITER VCI Remote October 2021 – August 2023

Significantly reduced mortgage lending risks by examining customer credit worthiness, auditing files for fraud and compliance, reviewing title/appraisal, and delivering comprehensive financial insights that shaped lending decisions.

Consistently upheld fair lending practices while meeting all targets for productivity, quality and customer satisfaction.

Ensure complete mortgage program compliance with federal agencies such as FHA, HUD, and FNMA.

CREDIT ANALYST True Value Woodland, CA August 2019 – October 2021

Increased B2B accounts receivable and collections effectiveness by collaborating with the sales team and customers to negotiate payments and reconcile accounts.

Assessed credit risk and analyzed financial statements to determine best course of action and assess if interested parties were safe bets to open their own True Value store location.

Executed semi-annual account credit limit reviews and credit increase review requests from financial service teams.

UNDERWRITER III & APPRAISAL SPECIALIST Academy Mortgage Granite Bay, CA October 2016 - August 2018

Spearheaded credit decision-making for FHA, USDA, and conventional loans, and purchase and refinance loans ranging from $100K to $2M.

Oversaw appraisal analyses, Conditional Commitments, conditions of approval, and purchase suspense conditions.

Achieved two prominent promotions (Appraisal Specialist and Quality Control / Audit Specialist) based on exceptional work performance.

DE UNDERWRITER RPM Mortgage Granite Bay, CA June 2012 – October 2016

Reduced lending risk by making strategic credit decisions on 90%, FHA purchase, refinance, streamline, 10% conventional loans purchase and refinance, and Jumbo loans ranging from $100K to $2M.

Drove one-step mortgage closing by directing all loan consideration activities including appraisal analysis, conditional commitments, income verification and analysis, loan condition reviews, and approval sign off.

TECHNICAL SKILLS

Microsoft Office Suite (Word, Excel, PowerPoint), Lacerte, Quickbooks, SAP, Encompass, Desktop Underwriter / Loan Processor

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