Kristie Baca
Boone,CO
Summary
Dependable accounting professional acknowledged for reliability, integrity and quick-learning ability. Highly skilled in research and analysis with eye for identifying and correcting errors. Dedicated with strong work ethic and resourceful nature.
Overview
18
18
years of professional experience
Work History
Accounting Specialist/Fraud
Power Credit Union
01.2023 - Current
- Maintain integrity of general ledger and chart of accounts.
- Reviewing and reporting fraud per Reg E guidelines
- Report any suspicious activity to the BSA officer for a possible SAR’s report to be filed.
- Conduct OFAC screening for incoming wires
- Work with both auditors and examiners for record and compliance review.
- Facilitate dormant accounts and Great Colorado Payback reporting.
- Reconciled account information and reported figures in general ledger by comparing to bank account statement each month.
- Quarterly Cash Audits of all branch locations.
- Contacted customers to immediately find resolutions for escalated issues.
- Month End Balancing of General Ledger Accounts.
- Provided excellent customer service when addressing inquiries from internal external stakeholders, ensuring their needs were met in a timely manner.
- IRA Monthly review of disbursements.
- Maintained compliance with regulatory requirements, conducting thorough research and staying up-to-date on industry standards.
- Continuously updated job knowledge through participation in educational opportunities attending professional conferences reading relevant publications.
- Contributed to the development of new policies procedures as part of ongoing efforts to enhance operational efficiency.
- Supported month-end closing process by preparing journal entries, account reconciliations, and variance analysis reports.
- Established effective communication channels with vendors and customers to resolve outstanding issues timely manner.
- Increased efficiency in accounts payable and receivable management, reducing processing time and minimizing errors.
- Assisted auditors during annual audits, providing necessary documentation and addressing inquiries promptly.
- Trained new employees on accounting principles and company procedures.
Mortgage Closer
Total Lending Concepts
11.2020 - 08.2022
- Data Entry of individual information and specific loan information and supporting documents.
- Knowledge of Conventional, FHA, VA, and CHFA Loans.
- Knowledge of TILA, RESPA regulations.
- Preparing Loan Documents for multiple states - CO, NM, CA, MO, FL and KS.
- Maintained a high level of accuracy and professionalism while managing a large caseload of loans, consistently meeting or exceeding performance targets.
- Ordering wires and authorize funding after document are reviewed.
- Participated actively in company-wide meetings discussing strategies for improving client service levels within the mortgage department as a whole.
- Communicating with Title Companies, Loan Officers and Loan Processors
- Coordinated scheduling of closings between buyers, sellers, attorneys, and lenders for a smooth transaction experience.
- Increased accuracy in calculating escrow amounts by implementing improved data entry techniques and double-checking computations.
- Facilitated clear communication channels between all parties involved in each transaction for more efficient problem resolution when needed.
- Ensured proper document storage and disposal, safeguarding sensitive financial information in accordance with company policies and legal requirements.
- Balanced funding sheets accurately, verifying that all financial figures were correct before disbursing funds to appropriate parties.
- Collaborated closely with underwriters, processors, and title companies for seamless loan closing experiences.
Licensed Escrow Officer
Fidelity National Title
01.2020 - 11.2020
- Streamlined the escrow process for a smoother client experience, managing communication between all parties involved.
- Identified and resolved title issues, preventing potential delays or cancellations of transactions.
- Conducted regular risk assessments on escrow transactions, mitigating financial and operational risks.
- Reviewed contracts thoroughly to ensure accuracy before proceeding with the escrow process.
- Prepared detailed settlement statements for each transaction, accurately reflecting funds received and disbursed.
- Conducted thorough research on properties to confirm ownership, title status, and outstanding liens or encumbrances.
- Facilitated successful closings by guiding clients through the signing process and explaining complex legal terminology in layman''s terms.
- Streamlined closing processes, significantly reducing errors and improving client satisfaction.
- Followed industry standard escrow procedures and maintained awareness of regulations governing escrow process.
- Improved team collaboration by implementing new communication system for sharing transaction updates and critical information.
- Developed strong relationships with clients by providing exceptional service, earning repeat business and referrals.
- Enhanced customer satisfaction by promptly addressing inquiries and resolving issues related to escrow transactions.
- Coordinated efforts between buyers and sellers to achieve mutually agreeable terms during negotiations of property sales.
- Managed escrow accounts, ensuring all financial transactions adhered to regulatory standards and were executed efficiently.
Licensed Escrow Officer
Stewart Title
11.2014 - 12.2019
- ResWare Trained
- Reviewing and entering Purchase Agreements
- Preparing Closing Documents and Vesting Deeds
- Reviewing Documents and Accuracy
- Knowledge of Closing Disclosures, Alta and HUD 1 Settlement Statements
- Preparing Loan Packages
- Balancing and Disbursing of Escrow Accounts
- Communicating with Lenders, Realtors and Co-Workers
- Understanding Title Commitments and Owners and Lender Policies
- Scheduling of Clients and Mobile Notaries if required
Mortgage Closer
Premier Mortgage Services
10.2010 - 11.2014
- Reviewing Purchase Agreements
- Preparing Loan Packages
- Ordering Payoff
- Understanding of FHA, VA and Conventional Loans
- Knowledge of HUD 1 Settlement Statements
- Understanding Title Commitments and Requirements
- Explaining and Signing Documents with the Borrower
Escrow Officer
Title Services Inc
04.2007 - 05.2010
- Opening New Accounts
- Preparing Loan Packages
- Balancing Lines of Credit Accounts
- Balancing the Banks Account Books
- Reviewing Loan Documents for Accuracy
- Customer Service / Phone Operator
Education
Bachelor of Science - Accounting
Western International University
07-2015
Skills
- Bank reconciliation
- Financial statements
- Accounts payable
- Accounts receivable
- Internal controls
- Audit support
- Account reconciliation
- Report preparation
- Vendor relationship management
- Reporting analysis
Skills
Timeline
Accounting Specialist/Fraud
Power Credit Union
01.2023 - Current
Mortgage Closer
Total Lending Concepts
11.2020 - 08.2022
Licensed Escrow Officer
Fidelity National Title
01.2020 - 11.2020
Licensed Escrow Officer
Stewart Title
11.2014 - 12.2019
Mortgage Closer
Premier Mortgage Services
10.2010 - 11.2014
Escrow Officer
Title Services Inc
04.2007 - 05.2010
Bachelor of Science - Accounting
Western International University
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