Gina Kerfoot
Ypsilanti
Summary
Experienced with conducting thorough tax audits and investigations to ensure compliance with tax regulations. Utilizes in-depth knowledge of tax laws and financial analysis to identify discrepancies and enforce accurate taxation. Strong understanding of audit procedures and regulatory compliance, ensuring fair and consistent application of tax laws. Demonstrates strong analytical, communication, and teamwork skills, with proven ability to quickly adapt to new environments. Eager to contribute to team success and further develop professional skills. Brings positive attitude and commitment to continuous learning and growth.
Overview
27
27
years of professional experience
Work History
Internal Revenue Agent
Department Of Treasury, IRS
08.2024 - Current
- Conducted independent field audits and investigations of income tax returns to verify information provided.
- Examined accounting systems and records to determine appropriateness of methods and controls.
- Conferred with taxpayers and representatives to discuss issues, laws, and regulations related to returns and address problems.
- Maintained updated knowledge through continuing education and advanced training.
- Kept case data and contact information up to date to expedite proceedings.
- Interpreted and applied federal and state tax codes for personal, business and corporate taxes.
- Enhanced tax compliance by conducting thorough research and analysis of financial records.
- Managed multiple audit cases simultaneously while maintaining high standards of quality and efficiency in case resolution.
- Built strong relationships with taxpayers through professional communication and timely responses to inquiries.
Senior Underwriter
Geneva Financial LLC
05.2023 - 10.2023
- Determined loan completeness and accuracy by thoroughly analyzing mortgage applications, appraisals and property valuations.
- Reviewed and evaluated loan applications and supporting documents.
- Analyzed capacity, credit, cash and collateral to determine loan approval, counteroffer, or denial.
- Utilized financial statements to calculate debt-to-income ratios to determine eligibility for loan.
- Evaluated mortgage loan risk based on sound underwriting decisions.
- Applied knowledge of underwriting guidelines to maintain compliance with applicable regulations and company standards.
- Streamlined underwriting processes for increased efficiency and faster turnaround times.
Senior Underwriter
Union Home Mortgage
01.2023 - 02.2023
- Reviewed and verified loan application documents for compliance with lender criteria and federal regulations.
- Evaluated borrower's financial information, including credit history, income, and assets to determine loan viability.
- Ensured loans met all underwriting guidelines for government-sponsored entities (GSEs) such as Fannie Mae and Freddie Mac.
- Conducted thorough reviews of self-employed applicants' income to ascertain sustainable earnings for loan repayment.
- Reviewed titles and appraisals to validate properties to meet insurer and guarantor guidelines.
- Communicated loan decisions, including approvals, suspensions, or denials, clearly to all relevant parties.
Senior Underwriter
Amerifirst Home Mortgage
06.2020 - 12.2022
- Reviewed, examined, and analyzed documents including not limited to, loan application, credit report, income and assets information, property appraisal, and title commitment to determine conditions for loan approvals.
- Reviewed Automated Underwriting System (AUS) findings for accuracy and completeness.
- Communicated with branch employees regarding questions, concerns, and corrective actions for unacceptable loans. Discussed recommendations and alternatives for solving difficult loans with loan originator and underwriting manager.
- Improved underwriting decision quality by conducting thorough risk assessments and analyzing client financial data.
- Assisted with special projects as requested and performed additional duties as required.
Senior Underwriter
First Independence Bank
04.2014 - 06.2020
- Reviewed mortgage loan application and documentation for accuracy and completeness and decision in a timely manner.
- Performed comprehensive review of the appraisal report and all supporting documents.
- Monitored underwriters' workflows to boost accuracy, align procedures and improve efficiencies.
- Utilized understanding of underwriting guidelines to keep work in line with government regulations and company requirements.
FHA DE Underwriter
JPMorgan Chase
02.2010 - 03.2014
- Reviewed and evaluated loan applications and supporting documents.
- Reviewed titles and appraisals to validate properties to meet insurer and guarantor guidelines.
- Analyzed loan risk and reviewed loan conditions and requirements.
- Determined loan eligibility and approved or rejected applications.
FHA DE Underwriter
CitiMortgage
08.2009 - 11.2009
- Analyzed applicant assets and credit history to determine willingness and capacity to repay proposed mortgage obligation.
- Verified client financial information to determine creditworthiness and loan eligibility.
- Approved or denied loan applications and explained reasoning behind decisions.
- Informed customers of loan application requirements and deadlines.
Senior Underwriter
United Wholesale Mortgage
08.2006 - 07.2009
- Utilized understanding of underwriting guidelines to keep work in line with government regulations and company requirements.
- Reviewed and evaluated loan applications and supporting documents.
- Reviewed titles and appraisals to validate properties to meet insurer and guarantor guidelines.
- Determined loan eligibility and approved or rejected applications.
Payroll Clerk
Ann Arbor Ceiling & Partition
02.1998 - 04.1999
- Organized and maintained payroll information by entering data, deleting errors, calculating and collecting information.
- Calculated accurate wages, including overtime, salary increases and bonuses.
- Processed and issued employee paychecks, statements of earnings and deductions.
- Secured personal and payroll information in compliance with federal regulations.
Education
Master of Arts - Economics
12-2001
Bachelor of Science - Accounting
04-1992
Skills
- Fundamental accounting practices
- Effective auditing techniques
- Analytical data interpretation
- Analytical tools
- Effective interviewing techniques
- Commitment to workplace ethics
- Effective multi-tasking
- Analytical problem-solving
- Analytical decision-making
- Data-driven decision-making
- Detailed financial tracking
- Quantitative analysis expertise
Timeline
Internal Revenue Agent - Department Of Treasury, IRS
08.2024 - Current
Senior Underwriter - Geneva Financial LLC
05.2023 - 10.2023
Senior Underwriter - Union Home Mortgage
01.2023 - 02.2023
Senior Underwriter - Amerifirst Home Mortgage
06.2020 - 12.2022
Senior Underwriter - First Independence Bank
04.2014 - 06.2020
FHA DE Underwriter - JPMorgan Chase
02.2010 - 03.2014
FHA DE Underwriter - CitiMortgage
08.2009 - 11.2009
Senior Underwriter - United Wholesale Mortgage
08.2006 - 07.2009
Payroll Clerk - Ann Arbor Ceiling & Partition
02.1998 - 04.1999
Bangkok University - Bachelor of Science, Accounting
Eastern Michigan University - Master of Arts, Economics
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