Mariol Bicja
Macomb,Michigan
Summary
Accomplished Financial Professional with extensive experience in accounting, underwriting, and financial analysis. Seeking a challenging role in Finance that promotes lifelong learning and excellence
Overview
7
7
years of professional experience
Work History
Financial Accountant
UHY Advisors
05.2022 - Current
- Manage cash applications, including Accounts Receivable (AR) and General Ledger (GL) processes, ensuring timely and accurate financial transactions
- Set up Cost Segregation Engagements, enhancing compliance and financial reporting accuracy
- Perform credit card reconciliations for Citizens accounts, increasing operational efficiency by 25%
- Develop and utilize pivot tables and Excel for comprehensive data analysis and reporting
- Train and mentor new recruits on cash application processes, improving team productivity and knowledge retention
- Implement systematic approaches to cash applications, resulting in a 20% reduction in discrepancies
Senior Underwriter
United Wholesale Mortgages
12.2020 - 05.2022
- Conducted in-depth evaluations of debt ratios, loan-to-value ratios, credit scores, and property valuations, leading to a 20% reduction in loan processing errors
- Ensured compliance with Fannie Mae and Freddie Mac requirements, achieving a 95% loan approval rate
- Analyzed tax returns for Sole Proprietorships, LLCs, and S-Corps, successfully processing 200+ loan applications monthly
- Implemented verification processes for pay stubs and W-2s authenticity, reducing fraudulent applications by 15%
- Assessed credit capacity, cash, and collateral to make informed loan decisions, maintaining a 90% accuracy rate in approvals
- Consistently achieved top-tier audit scores (95%+) by adhering to stringent underwriting guidelines
- Conducted thorough analyses of credit history, income documentation, loan packages, title reports, and property appraisals, increasing loan approvals by 30%
- Built and maintained relationships with 50+ local real estate agents, boosting referral business by 25%
- Trained brokers on overlay guidelines, enhancing compliance and reducing submission errors by 30%
- Streamlined the application process, reducing review time by 15% through efficient documentation requests
Accounts Receivables Analyst
Burns & Wilcox
05.2018 - 12.2020
- Managed insurance receivables, processed cash receipts, and handled supplier payables, ensuring accurate and timely transactions
- Created and implemented Excel reports for monthly and year-end financial reporting, improving report accuracy by 30%
- Recorded financial transactions using Concept One accounting database, maintaining a 98% accuracy rate
- Enhanced customer service by following up on collection action reports and resolving underwriter invoicing discrepancies, reducing outstanding balances by 20%
- Improved customer account accuracy by 25% through a new auditing process to detect and correct inaccuracies
Personal Banker
PNC Financial Services Bank
07.2017 - 05.2018
- Enhanced customer experience by identifying and addressing opportunities to improve financial wellbeing, increasing customer satisfaction scores by 15%
- Collaborated with ecosystem partners to grow customer's share of wallet, achieving a 10% growth in cross-sell revenue
- Applied product and procedural knowledge to effectively resolve customer issues, attaining a 95% problem resolution rate
- Managed risk through adherence to policies and procedures, maintaining zero policy violations
- Ensured branch security and operational efficiency by identifying and preventing potential losses, reducing discrepancies by 20%
Education
Bachelor of Science - Finance
Oakland University
Rochester, MI04.2017
Skills
- Bilingual - fluent in English and Albanian
- Multiple Regression Analysis
- Proficient in Microsoft Office Suite (Word, Excel, PowerPoint, Access)
- Strong team player
- Independent worker
- Data Entry
- General Ledger Management
- Account Reconciliation
- Financial stability knowledge
- Microsoft Excel proficiency
- Continuous Improvement
- Business Development
- Accounts Payable and Receivable
- Financial Reporting
- Credit analysis
Timeline
Financial Accountant
UHY Advisors
05.2022 - Current
Senior Underwriter
United Wholesale Mortgages
12.2020 - 05.2022
Accounts Receivables Analyst
Burns & Wilcox
05.2018 - 12.2020
Personal Banker
PNC Financial Services Bank
07.2017 - 05.2018
Bachelor of Science - Finance
Oakland University
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