ANGEL SANDERS
Summerville,SC
Summary
A very motivated, focused, and purposeful professional with considerable experience in consumer and financial operations. Possess critical competencies in business, finance and analytics and have held three leadership positions within the finance arena.
Always aiming to leverage strategic decision-making analysis within the business and financial industry while exercising sound judgement as it pertains to strong attention to detail, analytical problem-solving , multi-tasking and risk mitigation. Continually exceeding expectations by building valuable relationships inclusive of management, team members, stakeholders, and pride myself on the importance of interacting well with people at all levels of an organization.
Overview
18
18
years of professional experience
Work History
Compensation Analyst
Integrated Finance and Accounting Solutions
Charleston, SC - US Department of State (CGFS)
01.2023 - Current
- Processing actions to correct overstated earnings, including preparing letters of credit, W2.
- preparing proposed repayments schedules, communicate those proposals to the employees and entering the collections in accordance with the debt collections of the Federal Government.
- Processing and auditing overpayment transactions (prior year and current year) related to salary, benefits, and allowances.
- Researching and interpreting policy to determine eligibility for payment of salary, allowances, entitlements, and benefit contributions.
- Retrieve, research and analyze pay history in the proprietary financial systems.
- Calculating overpayments made with automated tools and/or manually due to personnel actions, time and attendance adjustments, Post arrival/departure.
- Professionally communicate with co-workers, management, and customers (internal/external) via email, IM (instant messaging) and in person about overpayment transactions.
- Monitoring debt collections, including payments submitted to Accounts Receivable, Pay.Gov, and salary deduction. Creating cases in the Debt Management Database and completing ongoing updates until the case has been closed.
Compensation Analyst
Haynes Incorporated
Charleston, SC - US Department of State (CGFS)
09.2022 - 01.2023
- Reconciling Account Receivable Branch overpayment detail report within the Debt Management System.
- Ensuring the sweeping of Additional Entitlement, Alliance, and Benefits departmental overpayments for the determination of missing documentation inclusive of level 2 actions.
- Reconciliation of the multiyear workbook that entail calculations of the tax earn, non-tax earnings, deductions, TSP and net amount per account.
- Generate salary deductions in GFACS and update documentation in Disc Imaging system.
- Calculating overpayments made with automated tools and/or manually due to personnel actions, time and attendance adjustments, Post arrival/departure.
Mortgage Loan Processor
South State Bank
Charleston, SC - US Department of State (CGFS)
08.2020 - 09.2022
- Assist mortgage loan officers by preparing and processing their loan files and follow-up with them to address all concerns and corrections.
- Manages 40-50 pipelines with 20-25 closing per month.
- Review employment details, asset documents and calculate income and assets according to guidelines.
- Review sales contract, appraisals.
- Mortgage insurance, DU/LP, Mavent for compliance checks, credit report and validate liabilities and credit worthiness.
- Order all third-party items: WVOEs, VOEs, VOM, transcripts, SSA, title work.
- HOI, flood certifications, Data verify, credit supplements CDA's, rent Payoffs & SAM.
- Updates or corrects all sections of the 1003/URLA with the information provided on the documents received by the borrower(s) and uploaded.
- Update Encompass with all finalized figures and information obtained from documentations: HOI premiums, appraised value, file contacts, & assets totals.
- Solid knowledge of Conventional FNMA/FHLMC, FHA/VA, USDA, Jumbo, CP loan program guidelines.
Capital Market Associate
South State Bank
Charleston, SC
10.2017 - 08.2020
- Selling mortgages on the secondary market and maintaining knowledge of secondary marketing products including investor parameters for originating, underwriting, and closing loans.
- Acting as liaison resolving and reviewing post-closing and investor's deficiencies for State.
- Housing, Chase, Citizens Bank, Wells, Redwood and Fannie Mae with an average turn time goal of 8-10 days to submit all accurate requested documents for loan purchases.
- Process and resolve an estimate of 150-250 mix variety of errors with an average pipeline of500 loans a month (FHAVA, USDA, Fannie Mae & Conventional.
- Collaborating with attorneys, loan processors, underwriters, and closers to retrieve accurate mortgage documentations based on each loan product.
Administrative Assistant
American Pensions/ Subsidiary of South State Bank
07.2017 - 10.2017
- Communicated and assist Customer Relationship Managers, VP of Operations and Director with achieving timely distribution of new benefit packages to clients.
- Validated clients and their participant contributions with the cash reconciliation totals to ensure equivalence.
- Oversaw benefit plan administration or management of special projects associated with defined benefit plans for various clients and reviewed member data and cleaned it up if information was missing or inaccurate.
- Maintained client databases and benefit calculation logs, coordinated monthly pension payments with trustees, and assisted with system testing for new clients according to plan provisions and administrative requirements.
Compliance Analyst
Tidelands Bank
Mount Pleasant, SC
06.2009 - 11.2016
- Evaluated a portfolio of approximately $324M in loan receivables and $466M in total assets in banking systems for proper measurement of insurance coverage and rates required for all collateral/properties held by the bank.
- Force placed flood and hazard insurance coverage on consumer accounts in accordance with federal regulations to mitigate risk and prevent monetary loss to the bank.
- Served as the point of contact and key advisor for senior executives and banking officials regarding ethics and compliance matters directed at increasing overall performance.
- Reviewed invoices and researched issues or transactions for proper accounting treatment or the accuracy of premium billing information distributed to clients and stakeholders.
Finance Manager
Max
Goose Creek, SC
01.2006 - 02.2009
- Increased sales by 68% and profits by 7% on loan A/R more than $1M and returned failing operations to profitability in two offices.
- Coached and developed a team of three associates through training and employee management to maximize potential for team members and the business.
- Analyzed actual Profit & Loss performance to support achievement of the annual budget and forecast.
- Coordinated accounting control procedures by assisting in budget development, highlighting risks/opportunities, revenue, expenditure trends, invoices, and credit/collection policies.
Education
Bachelor of Science - Business Finance
Southern New Hampshire University
Associate Science -
Trident Technical College
Charleston, SCAssociate of Arts -
Trident Technical College
Skills
- Salary Analysis
- Verbal and Written Communication
- Compensation Plan Management
- Staff Support and Evaluation
- Compensation Request Reviews
- Benefits Administration
- Benefits Structures
- Compliance Reporting
- Customer Service
- Expenditure Monitoring & Analysis
- Data Analytics
- Risk Assessments, Evaluation & Mitigation
- Problem Solving
- Highly skilled in Microsoft Office Suite: Word, Excel, Outlook PowerPoint, Adobe Acrobat
Timeline
Compensation Analyst
Integrated Finance and Accounting Solutions
01.2023 - Current
Compensation Analyst
Haynes Incorporated
09.2022 - 01.2023
Mortgage Loan Processor
South State Bank
08.2020 - 09.2022
Capital Market Associate
South State Bank
10.2017 - 08.2020
Administrative Assistant
American Pensions/ Subsidiary of South State Bank
07.2017 - 10.2017
Compliance Analyst
Tidelands Bank
06.2009 - 11.2016
Finance Manager
Max
01.2006 - 02.2009
Bachelor of Science - Business Finance
Southern New Hampshire University
Associate Science -
Trident Technical College
Associate of Arts -
Trident Technical College
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