Richelle Wilson

• Analyzed financial data to identify trends and support budgetary decisions.
• Developed financial forecasts to guide strategic planning and resource allocation.
• Collaborated with cross-functional teams to enhance reporting accuracy and transparency.
• Implemented over 100 process improvements that streamlined financial analysis workflows.
• Conducted variance analyses to ensure alignment with organizational objectives.
• Facilitated training sessions on financial software to improve team proficiency and efficiency.
• Presented findings to stakeholders, influencing key business decisions and strategies.
• Spearheaded efforts to secure financing for business growth initiatives, successfully securing loans at competitive interest rates.

• Conducted several detailed financial analysis to identify and evaluate changes in operations, trends and potential areas of improvement.
• Facilitated smooth month-end close processes by efficiently reconciling accounts and addressing discrepancies promptly.
• Streamlined financial reporting for better decision-making with clear, concise analysis and presentation.
• Strengthened relationships with external partners through timely communication and collaboration.
• Initiated process improvements that increased the efficiency of budgeting cycles while maintaining accuracy standards.
• Collaborated with cross-functional teams to optimize budgets, resulting in improved resource allocation.
• Evaluated proposed projects'' ROI using NPV, IRR, and other financial metrics, helping prioritize initiatives with maximum value potential.
• Played a key role in annual audits by preparing detailed schedules, supporting documentation, and assisting auditors throughout the process.
• Supported strategic decision-making with in-depth market trend analysis.
• Optimized budget allocation, conducting meticulous cost-benefit analyses for major projects.
• Conducted detailed variance analysis to identify cost-saving opportunities, leading to more efficient allocation of resources.

• Conducted detailed variance analysis to identify cost-saving opportunities, leading to more efficient allocation of resources.
• Drove profitability improvements by advising on cost-reduction strategies.
• Documented cash, credit, fixed assets, accrued expenses, and line of credit transactions.
• Reconciled accounts and reviewed expense data, net worth, and assets.
• Improved financial forecast accuracy by implementing new, dynamic modeling tool.
• Supported successful negotiations, preparing detailed financial models and scenarios.
• Increased stakeholder confidence, providing transparent and accurate financial reports.
• Reduced financial risks by developing and implementing robust risk management policies.
• Enhanced accuracy of financial projections, incorporating latest market trends and data.
• Handled day-to-day accounting processes to drive financial accuracy.
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• Resolved customer inquiries and issues with prompt, effective communication strategies.
• Developed training materials to enhance team knowledge and improve service quality.

• Processing Non-conforming and conforming mortgage loans, recalculate income, and return to processor for corrections.

• Managed Conventional, Bond loans and USDA loans to guidelines

• underwrites and calculate income from tax returns

• Review and evaluate information on mortgage loan application and supporting documents to determine if borrower’s capacity, capability, and credit meet lender/investor and government requirements.

• Process retail residential loans; documents include: the preliminary credit package-credit report, income, assets, appraisal, and title work

• Work efficiently with database and imaging systems in a paperless environment, review and analyze tax transcripts; utilize fraud tools, run and interpret DU correctly

• Resolve problems; know when to request additional information to make a complete decision.

• Proactively communicate to customers and business partners on a timely basis loan decisions and underwriting guidelines