Nicole L. Clark
Sandy
Summary
Detail-driven Bookkeeper with expert-level technical skills in financial record keeping and multi-account reconciliation. Known for high motivation and the ability to master new systems quickly with minimal supervision. Combines a strong work ethic with great adaptability and interpersonal communication, ensuring seamless collaboration across teams and absolute accuracy in reporting.
Overview
14
14
years of professional experience
Work History
Bookkeeper / Accounting Assistant
Salt City Muse
02.2024 - 04.2026
- Financial Reconciliation: Perform monthly reconciliations for bank, credit card, and loan accounts for 30 clients, ensuring 100% accuracy in the general ledger.
- Accounts Receivable Management: Streamlined workflow between proprietary billing systems and QuickBooks Online (QBO) for efficient invoice entry and payment application.
- General Ledger Maintenance: Managed Chart of Accounts and categorized daily transactions to ensure organized and compliant financial records.
- Quarterly Financial Reporting: Conducted P&L reviews to identify misclassifications, delivering accurate data for tax planning and reporting.
Mortgage Loan Closer
Castle & Cooke Mortgage
08.2020 - 06.2022
- Prepared closing documents for mortgage loan refinance and purchase transactions, ensuring compliance with Conventional, FHA, and VA loan requirements across multiple LOS platforms.
- Reviewed and reconciled Closing Disclosure with HUD settlement statements to ensure accuracy of borrower information and account payoffs before closing.
- Sent and tracked borrower closing disclosures for timely Consent to Proceed, facilitating smooth transaction flow.
- Communicate with all parties involved in the transaction, and ensure that all paperwork is complete, accurate, and in compliance with legal regulations.
Quality Assurance Auditor
Primary Residential Mortgage
03.2016 - 07.2017
- Audited for regulatory compliance, program eligibility, and loan manufacturing processes to ensure adherence to standards.
- Perform Pre and Post Close TRID compliance audits.
- Mitigated risk for PRMI by conducting mortgage loan audits in both pre-funding and post-closing stages within required turnaround times.
- Analyze loan origination documents to ensure compliance with Federal and State regulations.
- Executed additional audit duties and special projects, identifying and escalating serious risk issues to management for resolution.
Underwriter/Pre-close Audit II
W. J. Bradley Mortgage Capital LLC
07.2014 - 02.2016
- Maintained comprehensive knowledge of Conventional, Jumbo, FHA, and VA product guidelines to ensure accurate loan underwriting and compliance.
- Perform full audit of mortgage loans including credit, income, assets, purchase documents, title and appraisal to assure loan documentation is complete per the AUS feedback and Investor agency requirements.
- Analyze risk as it relates to investment quality loans.
- Adjusted income calculations for wage earners, self-employed borrowers, and rental income.
- Delivered audit findings to credit managers, facilitating discussions on audit failures and outlining additional conditions required for loan approval.
Closing Supervisor
W. J. Bradley Mortgage Capital LLC
06.2012 - 07.2014
- Maintain complete knowledge of closing, loan products and investor guidelines specific to doc prep requirements. Conventional, FHA, VA and USDA loans.
- Ensured compliance of all closing docs prepared by Doc Prep Team with company, RESPA, state, federal, and investor requirements.
- Analyze risk as it relates to investment quality loans involving the closing transactions.
- Achieved company standards for processes, policies, quality, volume, service standards, communication, customer service, and ethics.
- Prepare training material and hold training for doc prep staff.
Education
General Education Studies -
Salt Lake Community College
01-2000
High School Graduate -
Salt Lake Christian Academy
01-1999
Skills
- Accounts receivable management
- Financial reconciliation
- Bank statement reconciliation
- General ledger maintenance
- Financial reporting
- Audit procedures
- Risk analysis
- Document preparation
- Mortgage regulations
Timeline
Bookkeeper / Accounting Assistant
Salt City Muse
02.2024 - 04.2026
Mortgage Loan Closer
Castle & Cooke Mortgage
08.2020 - 06.2022
Quality Assurance Auditor
Primary Residential Mortgage
03.2016 - 07.2017
Underwriter/Pre-close Audit II
W. J. Bradley Mortgage Capital LLC
07.2014 - 02.2016
Closing Supervisor
W. J. Bradley Mortgage Capital LLC
06.2012 - 07.2014
General Education Studies -
Salt Lake Community College
High School Graduate -
Salt Lake Christian Academy