Auna Moody

• Created informative and advertising materials for program promotion and outreach efforts.
• Statistics: News clippings from 20+ newspapers and websites, gathered and sorted data for reports and files.
• Inventory of all beginning, ending, promotional, and office materials and supplies.
• Organized and maintained office records and filing systems efficiently. Archived confidential material using established procedures.
• Entered data into databases accurately and efficiently.
• Provided support to staff at all times.
• Effective communication and problem-solving skills.
• Greeted visitors, clients and guests in a professional manner.
• Developed and maintained positive relationships through effective communication.
• Received and distributed mail, letters and packages.
• Ensured that office equipment was operational, stocked with supplies, and in clean condition. Assembly of office furniture and electronic equipment.
• Design and setup for events.
• Handled confidential information with discretion and integrity.

• Underwrite non-QM, non-conforming, and JUMBO loans; contracting with the U.S. Federal Gov’t. for the purchase MBS (mortgage-backed securities)
• Ensuring the utmost compliance with the highest productivity possible for elite residential banks and lenders (Wells Fargo and Redwood Trust).
• Reviewed loan applications for compliance with company and federal policies and regulations.
• Evaluated and determined borrower creditworthiness, ATR, LTV, and DTI, manually and with other tools and software.
• Income analysis for business and personal financial statements, various tax schedules, investment schedule calcs.,
• HOI analyzing insurance limits and types
• Property valuations with thorough title and appraisal review.
• Ensuring compliance with lending forms: TILA, CD, fraud check, ID verification, and other state-specific agreements and disclosures.
• Collaborated closely with team members to achieve project objectives and meet deadlines.
• Worked cross-functionally with other teams in my free time to achieve goals.
• Maintained updated knowledge through continuing education and advanced training.
• Provided support and guidance to colleagues to maintain a collaborative work environment.
• Recognized by management for providing exceptional customer service.
• Utilized advanced technical skills and expertise to troubleshoot complex problems and implement solutions.

• Auto loans from CTC / CTG:
• Multi-state title clerk and notary.
• Managed finance processes for vehicle purchases and leases.
• Processed vehicle financing applications and ensured accuracy of documentation before submitting them to lenders.
• Utilized various software systems in order to manage customer accounts effectively.
• Provided guidance and assistance to sales staff members on how best to complete financial documents accurately during customer interactions.
• Informed customers of loan application requirements and deadlines.
• Analyzed applicant financial and credit status, evaluating assets and risk to determine loan feasibility.
• Collaborated with company teams to expedite loan approval processes.
• Reviewed contracts for accuracy prior to submission for processing and funding.
• Conducted compliance reviews to ensure adherence to industry regulations.
• Trained sales staff on F&I products and procedures for improved customer service.
• Streamlined documentation processes to enhance efficiency and accuracy.
• Collaborated with management to refine F&I policies and procedures.
• Worked closely with accounting personnel in order reconcile financial discrepancies between departments.
• Audited paperwork submitted by sales staff members prior to finalizing deals with lenders or customers.
• Maintained records of all financial transactions within the F&I department.
• Resolved any customer complaints related to financing issues promptly and courteously.
• Monitored and maintained F&I department compliance with all applicable laws, regulations and internal guidelines.

• Underwrite non-QM, non-conforming, JUMBO, FHA, VA. manually and with AUS LP and DU.
• Evaluate credit worthiness, ATR, LTV, DTI, proper Insurance HOI and UFMIP, Property appraisal and title analysis.
• Ensure compliance with State and Federal regulations and disclosures.
• And MORE!

• Started by working and training in the field as a Flowback Operator; taking and submitting samples, maintaining and repairing equipment, and more to value and understand what the workers go through in the field.
• Answered phone calls, responded to emails, routed mail and coordinated courier services. Created business letters and other legal forms.
• Resolved customer complaints or answered customers' questions.
• Administration of employees, from new hire reporting through termination.
• Guided employees in handling complex problems or special circumstances, such as unemployment, workers' compensation, FMLA, maternity leave, active duty, and more!
• Employee Insurance Administrator (Life, Accidental Death and Dismemberment, Health, Vision, Dental, including payroll deductions for insurance, other garnishments, and payroll advances).
• Company Insurance Administrator (Auto management and fleet insurance, title and registration agent, GL and Umbrella).
• Cybersecurity, IT diagnostics and repair, and more.
• Organized company events, including holiday parties, team-building activities, travel, and more.
• Developed and implemented office policies and HR policies, including the creation of the Employee Handbook, to enhance workplace culture and workflow efficiency.
• Provided training to new hires on office policies and procedures.
• Maintained impeccable office organization to support efficiency, professionalism and performance objectives.
• Applied mathematical skills to calculate totals, check figures, and correct problems with physical and digital files.
• Managed office inventory, postage services, vendor accounts, and placed new office and janitorial supply orders.
• Collaborated with CEO and CFO to manage the budget that foreshadow such tasks.
• Assisted with the preparation of forecasts and financial statements for the CEO and CFO.
• Managed accounts payable and receivable processes efficiently.
• Factoring for oil and gas invoices. Coded and entered daily invoices with in-house and oil & gas proprietary accounting software, to maintain organized and accurate records.
• Tracked invoices and payments to ensure accuracy of accounts receivable and payable information.
• Monitored payments due from clients and promptly contacted clients with past due payments.
• Performed general bookkeeping duties such as reconciling bank statements and creating journal entries.
• Assisted in the negotiation of contracts with vendors, securing favorable terms and cost savings.
• Reviewed contracts for accuracy prior to signing off for the CEO.
• Assisted clients in determining business strategy and achieving profitability goals.
• Maintained confidential records relating to personnel matters.
• Supervised and issued work schedules, duty assignments, and deadlines for the administrative assistant.
• Reviewed employees' work to check adherence to quality standards and proper procedures.
• Advised management on all employee relations issues to promote positive communication.
• Prepared monthly financial statements and reconciled discrepancies.
• Analyzed financial data to ensure compliance with regulations, and to ensure the maintenance of accurate financial records.
• Assisted in audits by providing necessary documentation and reports.
• Developed and implemented process improvements for transaction workflows.
• Assessed data and information to check entries, calculations, and billing codes for accuracy.
• Verified accuracy of invoices received from vendors prior to payment processing.
• Managed, reviewed, processed, and reconciled accounts payable invoices, accounts receivable payments, bank reconciliations, and payroll functions.
• Prepared month-end closing entries for detailed reporting and recordkeeping.
• Created journal entries as needed to record transactions in the general ledger.
• Analyzed financial data to ensure accuracy of information and compliance with accounting principles.
• Performed monthly, quarterly and annual closing activities for assigned areas.
• Prepared balance sheet reconciliations for review by management team.
• Ensured compliance with applicable laws, regulations, policies, procedures and standards.
• Tracked income and expenses for the business using accounting software and Excel spreadsheets.
• Reconciled bank statements for multiple accounts on a monthly basis.
• Prepared weekly payroll for team of salaried, hourly, and 1099/contract employees.
• Managed employee benefits and allowances, as aforementioned.
• Utilized software programs such as Quickbooks to enter data into the general ledger.
• Monitored credit card activity, prepared cash flow statements, and analyzed trends.
• Maintained current understanding of state and federal accounting procedures to prevent legal or compliance issues.
• Received payments from customers via check and credit cards to pay invoices.
• Produced reliable reports by checking financial statements for accuracy.
• Monitored and recorded company expenses, ensuring adherence to budget guidelines.
• Assisted with tax preparation and filing, including sales tax and income tax returns.
• Liaised with vendors and suppliers to negotiate payment terms and resolve billing issues.
• Performed credit checks on new clients and set up payment terms.
• Analyzed balance sheets for mistakes and inaccuracies.
• Coordinated project materials and schedules, facilitated communication, transportation, hotel accommodations, and prepared reports.
• Collaborated with external partners to complete audits.
• Researched changes in laws to maintain adherence to financial regulations.
• Processed payroll for diverse employee groups, ensuring timely and accurate payments.
• Managed payroll systems, integrating new software tools to streamline operations.
• Coordinated with Local, State and Federal institutions to verify employee data and resolve discrepancies i.e. local and state tax reports, Worker's Comp and Unemployment Quarterly Reports.
• Maintained compliance with federal and state payroll regulations and policies.
• Assisted in developing payroll procedures to enhance efficiency and accuracy.
• Responded to employee inquiries regarding payroll issues and payment details.
• Prepared reports for management on payroll trends and employee expenses.
• Collaborated with finance teams to reconcile payroll accounts monthly.
• Processed payroll for over 150 employees bi-weekly, weekly, and due upon receipt contractors; ensuring accuracy of pay and deductions.
• Created spreadsheets in Excel to track employee performance data.
• Analyzed data from various sources to identify trends and make recommendations for improvement.
• Managed efficient accounting operations, with high-quality administrative support to vendors, customers, management and employees.
• Participated in special projects or initiatives as needed in order to meet business objectives.
• Managed multiple tasks simultaneously while meeting deadlines consistently.

I worked between 60 and 72 hours a week; but I successfully did it all!

• Went from MLA for Conventional RE to UW; for FNMA, FHLMC, USDA, VA to Non-QM / JUMBO, CTP and other residential loans.
• Underwrite and place Commercial RE for Private Investors, Private Equity, Bridge Loans, CTP, Angel Investor, Silent Partner, and MORE!

• Went from Title Clerk to Office Manger, and all the duties of obtaining a Full Title Report that are in between: title, lien, and property searches, title reports, closing prep and escrow officer. Payroll. Inventory. Hiring/Terminating, and more.