Summary
Overview
Work History
Skills
Timeline
Generic

Katie Smith

220 Popular Lane, Manchester,KY

Summary

Detail-oriented team player with strong organizational skills. Ability to handle multiple projects simultaneously with a high degree of accuracy.

Overview

15
15
years of professional experience

Work History

Finance-Loan Officer/Counselor

KMHDC
09.2019 - 01.2024
  • Directed the organization’s financial planning, financial activities, and accounting practices by performing the duties personally or through subordinates.
  • Directed and coordinates the Organization’s accounting functions.
  • Oversaw and directed treasury, budgeting, audit, tax, accounting, purchasing, real estate, and insurance activities for the organization.
  • Served as custodian of funds, securities, and assets of the organization.
  • Developed procedures and systems necessary to maintain proper records and to afford adequate accounting controls and services.
  • Appraised the organization’s financial position and prepares reports which summarize and forecast activity and financial position in areas of income, expenses, budget requirements, and cash flow based on past, present, and expected operations.
  • Analyzed, consolidated, and directed all cost accounting procedures together with other statistical and routine reports.
  • Presents reports to supervisory staff, Executive Director, Executive Committee, Board of Directors, and others as required.
  • Oversaw the preparation of all payrolls and insures the accuracy of payroll records and reports.
  • Directed and coordinated the establishment of budget programs and directs their preparation.
  • Advised management about insurance coverage for protection against property losses and potential liabilities.
  • Advised corporate personnel on financial matters relating to grant and contract applications and negotiations.
  • Arranged for audits of organization’s financial records.
  • Served as Corporate Secretary. Takes, types and distributes minutes for the Board of Directors and related committee meetings and other meetings as assigned by the Executive Director or Board of Directors. Provides administrative support for Board and Committee meetings, including maintaining membership information rosters and preparing and mailing Board packages.
  • Maintained official records of Board and related committee meetings.
  • Acted as custodian of corporate documents, records and corporate seal, internal policy manuals and other records as directed.
  • Assisted in the preparation of documents for the Board of Directors and Executive Director.
  • Prepared payroll and maintains payroll records.
  • Acted as custodian of employee personnel files and check registers.
  • Reconciled bank statements for all accounts.
  • Prepared monthly reports for accounts payable.
  • Performed and keeps general subsidiary ledgers.
  • Maintained disbursement journal and cash receipts journal for General Fund and HOME Loan Fund.
  • Generated man-hour register, allocating hours to jobs.
  • Maintained subsidiary ledger allocating materials for all jobs.
  • Assisted in the preparation and submittal of monthly invoices to programs for reimbursement in scheduled time frame, as directed.
  • As well as all job duties described in Loan Officer/Counselor and Housing Counselor position.
  • Reacts to change productively and handles other essential tasks as assigned.
  • Improved loan processing efficiency by streamlining application procedures and documentation requirements.

Loan Officer/Counselor

KMHDC
08.2011 - 09.2019
  • Assisted applicants in preparing any and or all KMHDC Loan, KHC Loans/Grants, and USDA RD loan applications, and presents applicants all documents required to be offered during the initial application process.
  • Obtained and evaluated credit reports.
  • Summarized credit data in an objective and understandable manner, and presents the data to the appropriate Screening Committee for selection of applicants to receive assistance.
  • Presented to the full Board of Directors the applicants recommended by the applicable Screening Committee for final approval.
  • Advised and counsels borrowers concerning mortgage obligations and homeownership concerns. Provided counseling to delinquent borrowers.
  • Worked with applicants and Deputy Director/Field Coordinator(s) in locating and evaluating building lot(s) and in obtaining purchase options if necessary for those lots deemed suitable for building.
  • Responsible for taking loan applications and obtained appropriate documentation for applicant loan files in accordance with applicable laws and regulations.
  • Oversaw the preparation all required KMHDC’s legal documents (such as mortgages, notes, settlement statements, and contracts) for all loan closings.
  • Ensured that all homes are covered by builder’s risk insurance, fire insurance or homeowner’s insurance by the time of the loan closing.
  • Scheduled and attended all initial loans closing with applicants for KMHDC Loan, KHC Loans/Grants, and USDA RD Loans and to be responsible for the proper execution of KMHDC’s mortgage documents.
  • Oversaw timely public recording of mortgages and/or deeds when required in conjunction with loan closings.
  • Maintained a current understanding of the overall KMHDC programs and partnerships.
  • Acted as Kentucky Mountain Housing Development Corporation, Inc.’s liaison with any other outside agencies in regard to lending.
  • Accepted applications and selects tenants for rental units.
  • Assisted in preparation of HOME Project Set-up Reports and other project-related documents as necessary.
  • As well as all job duties described in Housing Counselor position.

Housing Counselor

KMHDC
12.2008 - 08.2011
  • Improved client financial literacy by providing housing counseling services to low and/or moderate-income families and individuals, as well as conducting comprehensive budget and credit counseling sessions.
  • Assisted clients in achieving homeownership by guiding them through the home buying process.
  • Prevented foreclosures by providing timely intervention strategies and loss mitigation options.
  • Developed successful housing action plans, addressing individual client needs and financial goals.
  • Assisted in the development and implementation of housing counseling programs for homebuyers, rehabilitation, consumer debt counseling, budgeting, and home maintenance.
  • Documented applicant credit history by assisting in obtaining and evaluation credit reports.
  • Summarized credit data in an objective and understandable manner, and presents the data to the appropriate lending institution or funding organization.
  • Answered housing counseling inquiries by telephone and in person.
  • Maintained an understanding of overall KMHDC programs, policies, and partnerships.
  • Advised and counseled existing borrowers concerning mortgage obligations and homeownership concerns. Provides counseling to delinquent borrowers.
  • Assisted applicants in preparing KMHDC Loan, KHC Loans/Grants, and USDA RD Loans.

Skills

  • Coordinating Projects
  • Payroll Processing
  • Documentation Requirements
  • Time Management
  • Customer Service
  • Decision Making
  • Analytical Thinking
  • Teamwork Abilities
  • Problem Solving
  • Record Keeping
  • Payroll Administration

Timeline

Finance-Loan Officer/Counselor

KMHDC
09.2019 - 01.2024

Loan Officer/Counselor

KMHDC
08.2011 - 09.2019

Housing Counselor

KMHDC
12.2008 - 08.2011

Similar Profiles

CREATE PROFILE
Katie Smith