Curtis Ebo
Rocklin,CA
Summary
Strong communicator with excellent organizational and time management skills. Efficiently manages multiple projects simultaneously while adhering to strict deadlines. Possesses excellent problem-solving skills and ability to think and act quickly to find creative solutions. Detail-oriented Auditor with track record of quickly completing complex audit projects. Experience in public and private accounting, specializing in financial statement audits. Well-versed in audit process from planning and risk assessment to fieldwork.
Overview
15
15
years of professional experience
Work History
Audit & Assurance Senior Assistant
Deloitte
09.2022 - Current
- Review, test, and determine client financials are fairly presented within generally accepted accounting principles (GAAP) and other financial reporting frameworks
- Test design and effectiveness of internal controls by completing walk-throughs of client business processes, analyzing these processes, and determining risk
- Perform substantive testing procedures regarding account balance, classes of transactions and disclosures for compliance and verification of management and financial statement assertions
- Business development – work with Growth and Executive teams with expansion of footprint in order to build connections and create client growth
- Assist with recruiting new talent by attending Deloitte National Leadership Conventions (DNLC)and campus recruiting events
- DNLC is a 3-day conference with executive staff and college students from across the United States to provide information and discuss opportunities available within Deloitte.
- Ensured compliance with regulatory requirements by performing regular audits and staying up-to-date on industry standards.
- Performed observations and evaluated supporting documents to supplement audit findings.
- Conducted risk assessments to determine areas requiring increased focus during subsequent audits.
- Built relationships with colleagues to facilitate teamwork, cooperation and success.
- Performed effectively in self-directed work environment, managing day-to-day operations and decisions.
Audit Assurance Intern
CROWE LLC.
06.2021 - 08.2021
- Streamlined data gathering processes through efficient organization skills, reducing time spent on administrative tasks.
- Performed analytical procedures on clients' financial data, assisting in the identification of trends and anomalies requiring further investigation.
- Ensured compliance with professional standards by staying up-to-date on changes in accounting principles and auditing guidelines.
- Maintained flexible work hours to complete on-time client engagements.
Senior Loan Processor III
Paramount Equity Mortgage Direct
10.2017 - 06.2018
- Process VA, FHA, FHA streamline, Conventional, Purchase, Jumbo and Secondary Financing
- Evaluate each loan carefully to maximize organizational profit while mitigating risk and loss
- Review financials (tax documents, payroll, bank statements), credit, title, insurance, and appraisals to determine credit worthiness and loan approval.
- Proactively identified potential issues within applications, taking necessary steps to rectify them before submission for approval.
- Managed high-volume pipeline of loans (120+) consistently meeting deadlines and maintaining accuracy in documentation.
- Analyzed credit, income, compliance, title documents, and appraisals during underwriting process.
- Documented underwriting decisions and provided evidence of compliance with applicable regulations.
- Examined credit reports, financial statements and tax returns to determine repayment capability.
Sr. Loan Processor II
Midwest Equity Mortgage
06.2016 - 09.2017
- Processed VA, FHA, Conventional, Purchase, Jumbo and Secondary Financing lending packages
- Evaluated each loan carefully including all client financial documents (taxes, payroll, retirement statements, bank statements) to maximize organizational profit while mitigating risk and loss
- Established strong relationships with lenders, title companies, and borrowers for smooth loan transactions.
- Proactively identified potential issues within applications, taking necessary steps to rectify them before submission for approval.
- Assisted training junior loan processors, resulting in increased productivity across the team.
- Organized detailed records of completed loans for easy retrieval during audits or reviews.
- Reviewed loan files for completeness, identified missing documentation, and generated condition lists for applicants.
- Managed high-volume pipeline of loans, consistently meeting deadlines and maintaining accuracy in documentation.
- Developed comprehensive understanding of various lender guidelines which helped expedite loan approvals.
- Reviewed financial statements and contacted institutions and customers to clarify details.
Sr. Loan Processor II
Carrington Mortgage
06.2015 - 06.2016
- Complete processing of minimum of 15 Loans per month
- Ability to Process VA, FHA, Conventional, Purchase, Jumbo and Secondary Financing
- Evaluated each loan carefully including all client financial documents (taxes, payroll, retirement statements, bank statements) to maximize organizational profit while mitigating risk and loss.
Branch Operations Specialist III
Paramount Equity Mortgage
04.2013 - 06.2015
- Evaluated each loan carefully including all client financial documents (taxes, payroll, retirement statements, bank statements) to maximize organizational profit while mitigating risk and loss
- Top 10 processors for traditional division for 2014.
- Analyzed credit, income, compliance, title documents, and appraisals during underwriting process.
- Examined credit reports, financial statements and tax returns to determine repayment capability.
- Assisted in developing training materials used to educate new hires on essential job functions, contributing to their successful onboarding and integration into the team.
- Documented underwriting decisions and provided evidence of compliance with applicable regulations.
Operations Coordinator
3fold Communications
10.2011 - 03.2013
- Managed Administrative, Facilities, I.T, Billing and Human Resources Departments
- Coordinated all HR activities including Processes, Procedures, PTO, Compliance and Payroll.
- Led successful projects from conception to completion, achieving objectives on time and within budget constraints.
- Maximized resource utilization by monitoring staff schedules and allocating tasks effectively.
- Streamlined operations by implementing efficient processes and procedures.
- Spearheaded process improvement initiatives, identifying areas for optimization and implementing changes accordingly.
- Mediated contracts with outside providers to bolster customer service and reduce costs.
- Reconciled monthly operating budgets and shared information with senior management team.
Consumer Lending Support Advisor
First Tech Federal Credit Union
12.2008 - 10.2011
- Served as Help Desk for Consumer Underwriting and Processing departments
- Manage 20-30 total loss claims and settlements monthly
- Converted Credit Union Internal Lien perfection process to external process and created policies and procedures to ensure
- Oversaw 30-50 life/disability insurance claims monthly, and total monthly billing of CU Lending Portfolio.
Education
Bachelor of Science in Business Administration - Accountancy and International Business
California State University, Sacramento
Sacramento, CA05.2022
Associate of Science - Business Administration And Accountancy
Sierra College
Rocklin, CA06.2020
Certificate of Achievement in Accounting -
Sierra College
Rocklin, CA06.2020
Skills
- Fast Learner
- Time Management
- Computer Skills
- Team Collaboration
- Relationship Building
- Workload Management
- External Auditing
- Process evaluations
- Financial records review
- Audit Coordination
- Attention to Detail
- Critical Thinking and Analysis
- Clear Communication
Timeline
Audit & Assurance Senior Assistant
Deloitte
09.2022 - Current
Audit Assurance Intern
CROWE LLC.
06.2021 - 08.2021
Senior Loan Processor III
Paramount Equity Mortgage Direct
10.2017 - 06.2018
Sr. Loan Processor II
Midwest Equity Mortgage
06.2016 - 09.2017
Sr. Loan Processor II
Carrington Mortgage
06.2015 - 06.2016
Branch Operations Specialist III
Paramount Equity Mortgage
04.2013 - 06.2015
Operations Coordinator
3fold Communications
10.2011 - 03.2013
Consumer Lending Support Advisor
First Tech Federal Credit Union
12.2008 - 10.2011
Bachelor of Science in Business Administration - Accountancy and International Business
California State University, Sacramento
Associate of Science - Business Administration And Accountancy
Sierra College
Certificate of Achievement in Accounting -
Sierra College
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