PAMELA BETHUNE
Gaston,SC
Summary
Detail-oriented Internal Auditor with 10+ years of experience enhancing operational efficiency and reducing risk exposure. Skilled in regulatory compliance, financial analysis, and team leadership, with a proven track record of improving internal controls and delivering actionable insights
Overview
13
13
years of professional experience
Work History
Internal Audit Consultant II
Wipfli LLP
Atlanta, GA
12.2024 - Current
- Conduct vendor management audits to assess third-party risk, contract compliance, and adherence to internal policies and regulatory requirements.
- Evaluate the design and effectiveness of controls.
- Interview and collaborate with personnel at all levels within the client organization.
- Identify areas of concern, formulate recommendations for improvement, and communicate these effectively both verbally and in writing.
- Manage client engagements, including planning, scheduling, and ensuring timely project completion.
- Provide proactive assistance and consultative advice to clients.
Internal Auditor II
Palmetto GBA, LLC
Columbia, SC
03.2022 - 12.2024
- Oversee and train incoming auditors on Medicare/Medicaid Desk reviews reimbursement principles and cost reports.
- Provided recommendations for process improvements to streamline operations and increase efficiency.
- Collaborated with cross-functional teams to investigate and resolve accounting discrepancies.
- Prepared detailed reports documenting audit findings and presenting them to management.
- Conducted financial audits to ensure compliance with internal controls and CMS regulations.
Internal Auditor II
Carolinas Credit Union League
Columbia, SC
05.2019 - 03.2022
- Improved audit efficiency by 25% through the implementation of streamlined processes.
- Conducted comprehensive internal and cash audits of financial systems and operational frameworks, including risk assessment profiles and compliance process walkthroughs.
- Evaluated the credit union's risk assessment and OFAC compliance program; conducted detailed ACH, BSA/AML, and KYC audits.
- Developed accurate and thorough audit workpapers to support audit observations and document work performed.
- Coordinated and consolidated findings from team auditors, ensuring consistency and comprehensive reporting.
- Collaborated with management to address major risks, adhering strictly to GAAS and IIA standards during audit operations and documentation processes.
- Supervised and assisted team members during internal audit fieldwork, ensuring adherence to audit plans and high-quality outcomes.
- Communicated with clients and stakeholders to clarify audit objectives and resolve issues.
Credit Analyst
AG Resource Management
Florence, SC
03.2019 - 05.2019
- Conducted financial statement analysis to evaluate creditworthiness of potential borrowers.
- Prepared comprehensive credit reports for presentation to senior management and credit committees.
- Evaluated industry trends and market conditions to assess risk associated with potential loans.
- Maintained relationships with clients and monitored credit exposures to ensure timely repayment.
Mortgage Loan Underwriter
US Department of Agriculture
Orangeburg, SC
08.2018 - 03.2019
- Evaluated loan risk through verification of loan application information to determine pre-approval status, ensuring accurate and efficient processing.
- Clarified risk by requesting additional information such as tax returns, proof of income, bank statements, and employment verification, improving loan approval accuracy.
- Delivered prompt, quality service to both internal and external customers, maintaining a professional and customer-centric approach.
- Extensive knowledge of loan products, underwriting guidelines, and lending processes.
- Boosted loan approval rates by effectively analyzing financial data and credit reports.
- Provided thorough risk assessment to ensure responsible lending practices and compliance.
- Collaborated with cross-functional teams to streamline loan processing and improve efficiency.
- Utilized strong communication skills to educate customers on loan options and requirements.
Mortgage Loan Processor
US Department of Agriculture
AIken, SC
05.2015 - 08.2018
- Processed, reviewed, and approved loan applications accurately and efficiently, ensuring compliance with underwriting guidelines.
- Communicated with clients to gather required documents and information for loan approval, enhancing customer satisfaction and application completeness.
- Maintained detailed records and documentation of loan applications and approvals, facilitating smooth loan processing and audit readiness.
- Worked closely with loan officers and underwriters to ensure timely and smooth loan processing, meeting production goals and deadlines.
- Processed Single-Family Housing 502 and 504 prequalification and loan applications, analyzing loan and grant documents to determine creditworthiness and repayment ability.
- Collaborated directly with clients to obtain any missing or needed information, ensuring application completeness and accuracy.
- Coordinated and scheduled all loan closings with attorneys, realtors, and builders, including requesting preliminary title work and producing the Loan Estimate and Closing Disclosure.
- Performed various duties within the 504 loan and repair program, including determining income and property eligibility, completing household budgets, repair specifications, bids, and environmental checklists.
- Conducted re-inspections with borrowers and contractors to ensure completion of repairs.
- Successfully closed 502 loans and 504 loan and grant files totaling $2M, including $59K in loan and grant funds.
- Processed over 300 loan note guarantees for the SFH Guaranteed Program and performed various duties within the Multi-Family Housing Program.
- Processed payments for 68 projects and over 61 voucher recipients participating in the HUD Voucher Program.
Credit Loan Analyst
First Community Bank
Lexington, SC
05.2012 - 11.2014
- Responded to inquiries from customers, branches, lenders, and other staff regarding commercial and consumer loan questions and software program support, enhancing customer satisfaction and operational efficiency.
- Prepared comprehensive consumer and commercial loan closing documentation, including commitment letters, promissory notes, and loan disclosures, utilizing an automated document system.
- Collaborate with management assisting with bank mergers and loan conversions.
- Handled CRA and HMDA reporting and file management, ensuring regulatory compliance.
- Assisted with internal audits, followed up on audit findings, and recommended improvements, contributing to enhanced internal controls.
- Analyzed credit reports and financial statements to determine loan eligibility.
- Evaluated risk factors and recommended appropriate credit limits for clients.
- Managed the portfolio of loans, monitoring repayment schedules and resolving any issues.
- Collaborated with team to provide tailored financial solutions for clients' borrowing needs.
Education
Master of Business Administration - Business Administration Business Management
Claflin University
Orangeburg, SC05.2007
Bachelor of Science - Business Administration Banking and Finance
Voorhees College
Denmark, SC05.2005
Skills
- Microsoft Office applications
- Risk assessment
- Internal controls
- Financial analysis
- Regulatory compliance
- QuickBooks
- Tax software proficiency
- Audit management
Certifications Courses
- Oracle-Database Programming & Project Management Certification
- American Bankers Association: General Accounting Certificate
- CUNA-Certified Internal Auditor and Anti-Money Laundering/Bank Secrecy Act & Compliance Specialist
- South Carolina Real Estate License
- South Carolina Notary Public
- South Carolina Commercial Driver's License
Timeline
Internal Audit Consultant II
Wipfli LLP
12.2024 - Current
Internal Auditor II
Palmetto GBA, LLC
03.2022 - 12.2024
Internal Auditor II
Carolinas Credit Union League
05.2019 - 03.2022
Credit Analyst
AG Resource Management
03.2019 - 05.2019
Mortgage Loan Underwriter
US Department of Agriculture
08.2018 - 03.2019
Mortgage Loan Processor
US Department of Agriculture
05.2015 - 08.2018
Credit Loan Analyst
First Community Bank
05.2012 - 11.2014
Master of Business Administration - Business Administration Business Management
Claflin University
Bachelor of Science - Business Administration Banking and Finance
Voorhees College
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