Sandra Ward
Mukilteo,Washington
Summary
20+ years in accounting, 6+ years in mortgage. Hard worker, fast learner and willing and able to adapt to changing circumstances and job priorities. Able to work well with others as a team to accomplish common goals and work related tasks. Worked alongside previous office managers to close financial books on a monthly/yearly basis. Worked with department heads to create workflow process to streamline daily jobs that helped make daily tasks easier and simplified.
I am currently a single mom with a child who needs medical attention on a part time basis. I am looking for a part time remote job, as this will ensure I am readily available for work, as my home office is completely functional. This position will also ensure I am able to have a work/home balance that works best for my family and our current situation.
Overview
14
14
years of professional experience
Work History
Private Caregiver
Consumer Direct Care Network
05.2023 - Current
- My son is my patient. He is sick with a blood disorder which requires dr appointments, medications, blood transfusions, and out patient treatments. He is able to attend school, and other functions, but it is necessary for me to be available for the above mentioned appointments and tasks. I am available on a part time, remote basis
- Cleaned house, ran errands, managed laundry, and completed weekly grocery shopping.
- Maintained clean, safe, and well-organized patient environment.
- Provided assistance in daily living activities by dressing, grooming, bathing, and toileting patients.
- Transported individuals to events and activities, medical appointments, and shopping trips.
Delivery Driver
Amazon Flex
01.2023 - Current
- Completed on-time deliveries by choosing best and most efficient routes.
- Delivered packages to customer doorsteps and business offices.
- Maintained upbeat, positive attitude in busy, customer-focused environment.
- Completed rush deliveries on tight timetables to satisfy customer needs.
- Delivery area expanded up to 100 miles from home location
Account Technician II
Snohomish County Sheriff's Office
10.2022 - 12.2022
- Generated, posted and attached information to claim files.
- Checked documentation for accuracy and validity on updated systems.
- Carried out administrative tasks by communicating with clients, distributing mail, and scanning documents.
- Maintained confidentiality of patient finances, records, and health statuses.
- Verified client information by analyzing existing evidence on file.
- Posted payments to accounts and maintained records.
- Perform payroll duties, such as time card calculations, bimonthly payroll worksheet and procedures, and reconciliations
- Daily deposits
Mortgage Loan Officer
Amerisave Mortgage
03.2022 - 09.2022
- Assisted borrowers in closing refinance and purchase mortgages
- Communicated with processing and underwriting to close and finalize multiple loans
- Analyzed applicants' financial status, credit and property evaluations to determine feasibility of granting loans.
- Analyzed applicants' financial status and credit and property evaluation to determine feasibility of granting loan.
- Executed loan origination process and ordered credit reports, appraisals and preliminary title reports.
- Reviewed loan agreements to confirm completeness and accuracy.
- Improved loan applications and documentation by informing applicant of additional requirements.
- Met with applicants to obtain information for loan applications and answer questions about process.
- Recommended loan approvals and denials based on customer loan application reviews.
- Delivered high levels of customer service to facilitate smooth processes.
- Developed and maintained knowledge of available loan products, processing procedures and underwriting and general departmental guidelines.
- Analyzed loan files and reviewed client income, assets and credit to verify compliance to specific underwriting criteria and input new loans into designated software.
- Ordered, prepared and verified documents necessary for loan to close in compliance, on time and without last-minute surprises.
- Performed administrative tasks such as creating status reports on loans in progress, photocopying loan documents, printing daily mortgage rate sheets and answering phones.
- Met with borrowers, took applications, distributed disclosures, ordered and reviewed title commitments and executed detailed follow-up through closing to verify completed requirements.
- Liaised between borrowers and realtors, title companies and loan company management.
- Set and confirmed appointments with clients, realtors and business partners and initiated marketing contact with new leads and realtors.
- Generated estimates clients requested, sent pre-approval letters to agents and confirmed receipt of verification of employment documentation.
- Monitored purchase loans for due diligence, financed contingency and closing date expiration and tracked pipeline for refinances.
- Examined and verified information in loan application and closing documents.
Mortgage Loan Officer
Mutual Of Omaha Mortgage
12.2019 - 12.2021
- Assisted borrowers in closing refinance and purchase mortgages
- Communicated with processing and underwriting to close and finalize multiple loans
- Analyzed applicants' financial status and credit and property evaluation to determine feasibility of granting loan.
- Met with applicants to obtain information for loan applications and answer questions about process.
- Recommended loan approvals and denials based on customer loan application reviews.
- Developed and maintained knowledge of available loan products, processing procedures and underwriting and general departmental guidelines.
- Analyzed loan files and reviewed client income, assets and credit to verify compliance to specific underwriting criteria and input new loans into designated software.
- Ordered, prepared and verified documents necessary for loan to close in compliance, on time and without last-minute surprises.
- Performed administrative tasks such as creating status reports on loans in progress, photocopying loan documents, printing daily mortgage rate sheets and answering phones.
- Met with borrowers, took applications, distributed disclosures, ordered and reviewed title commitments and executed detailed follow-up through closing to verify completed requirements.
- Liaised between borrowers and realtors, title companies and loan company management.
- Set and confirmed appointments with clients, realtors and business partners and initiated marketing contact with new leads and realtors.
- Generated estimates clients requested, sent pre-approval letters to agents and confirmed receipt of verification of employment documentation.
- Contacted previous clients to verify satisfaction with process and service and to offer additional support and wrote personal thank you notes to clients and listing agents.
- Worked with third-party vendors to address and clear loan closing requirements.
- Worked successfully with diverse group of coworkers to accomplish goals and address issues related to products and services.
- Worked closely with team members to deliver project requirements, develop solutions and meet deadlines.
Accounting Specialist
Campbell Auto Group
01.2018 - 06.2018
- Managed accounts payable, accounts receivable, bank reconciliations and payroll function.
- Prepared month-end closing entries for detailed reporting and recordkeeping.
- Coded invoices and other records to maintain organized and accurate records.
- Collected and assembled financial data to analyze costs on year-to-year basis relative to fiscal planning and budgeting activities.
- Assessed data and information to check entries, calculations and billing codes for accuracy.
- Applied mathematical skills to calculate totals, check figures, and correct problems with physical and digital files.
- Reconciled and reviewed operations databases and accounting system records to calculate and determine accurate monthly revenues.
- Tracked income and expenses for business using accounting software.
- Verified and posted account transactions to prepare checks and maintain accounting ledgers.
- Developed and documented business processes and accounting policies to maintain and strengthen internal controls.
- Gathered data and uncovered fraud, embezzlement or liabilities during auditing procedures.
- Managed daily bookkeeping functions with attention to accounts receivable, accounts payable, banking reconciliation and disbursements.
- Reconciled company credit cards, expense accounts and other expenses and financial records.
- Communicated with vendors and clients to facilitate timely payments and reduce outstanding accounts receivable.
- Utilized automation system to process payments and invoices to streamline transactions.
- Reduced financial discrepancies by accurately managing accounting documentation.
- Developed tracking reports to keep management informed of due and past due vendor invoices.
- Reviewed and coded expense reports for accuracy and proper expense disclosure.
- Received payments from customers via cash, check and credit cards to pay company invoices.
Mortgage Loan Officer
Fairway Mortgage
07.2017 - 12.2017
- Assisted borrowers in closing refinance and purchase mortgages
- Communicated with processing and underwriting to close and finalize multiple loans
- Developed and maintained relationships with local real estate agents.
- Submitted applications to credit analysts.
- Educated customers regarding actions and strategies for debt repayment.
- Kept detailed records regarding approved, denied and received loan applications.
- Gathered client debt, credit and income information to determine loan eligibility.
- Monitored loan serving agreements and loan covenants to ensure compliance.
Mortgage Loan Officer
Absolute Mortgage
04.2017 - 07.2017
- Assisted borrowers in closing refinance and purchase mortgages
- Communicated with processing and underwriting to close and finalize multiple loans
- Analyzed applicants' financial status, credit and property evaluations to determine feasibility of granting loans.
- Analyzed applicants' financial status and credit and property evaluation to determine feasibility of granting loan.
- Executed loan origination process and ordered credit reports, appraisals and preliminary title reports.
- Reviewed loan agreements to confirm completeness and accuracy.
- Improved loan applications and documentation by informing applicant of additional requirements.
- Met with applicants to obtain information for loan applications and answer questions about process.
- Recommended loan approvals and denials based on customer loan application reviews.
- Delivered high levels of customer service to facilitate smooth processes.
- Developed and maintained knowledge of available loan products, processing procedures and underwriting and general departmental guidelines.
- Analyzed loan files and reviewed client income, assets and credit to verify compliance to specific underwriting criteria and input new loans into designated software.
- Ordered, prepared and verified documents necessary for loan to close in compliance, on time and without last-minute surprises.
- Performed administrative tasks such as creating status reports on loans in progress, photocopying loan documents, printing daily mortgage rate sheets and answering phones.
- Met with borrowers, took applications, distributed disclosures, ordered and reviewed title commitments and executed detailed follow-up through closing to verify completed requirements.
- Liaised between borrowers and realtors, title companies and loan company management.
- Set and confirmed appointments with clients, realtors and business partners and initiated marketing contact with new leads and realtors.
- Generated estimates clients requested, sent pre-approval letters to agents and confirmed receipt of verification of employment documentation.
- Monitored purchase loans for due diligence, financed contingency and closing date expiration and tracked pipeline for refinances.
- Examined and verified information in loan application and closing documents.
Mortgage Loan Officer
Caliber Home Loans
06.2016 - 03.2017
- Assisted borrowers in closing refinance and purchase mortgages
- Communicated with processing and underwriting to close and finalize multiple loans
- Analyzed applicants' financial status, credit and property evaluations to determine feasibility of granting loans.
- Analyzed applicants' financial status and credit and property evaluation to determine feasibility of granting loan.
- Educated customers on variety of loan products and available credit options to promote valuable decision-making.
- Performed daily maintenance of loan applicant database.
- Built referral business by meeting with local financial planning, home builders and real estate professionals.
- Met with applicants to obtain information for loan applications and answer questions about process.
Accountant Specialist
Campbell Auto Group
12.2009 - 06.2016
- Processed financial documents, contracts, expense reports and invoices.
- Reviewed documents and obtained additional information to complete accurate paperwork and avoid delays.
- Automated office operations by managing client correspondence and data communications.
- Managed service agreements and purchase orders to drive budget performance and meet schedule requirements.
- Managed accounts payable, accounts receivable, bank reconciliations and payroll function.
- Prepared month-end closing entries for detailed reporting and recordkeeping.
- Coded invoices and other records to maintain organized and accurate records.
- Reconciled and reviewed operations databases and accounting system records to calculate and determine accurate monthly revenues.
- Tracked income and expenses for business using accounting software.
- Verified and posted account transactions to prepare checks and maintain accounting ledgers.
- Reconciled company credit cards, expense accounts and other expenses and financial records
- Received payments from customers via cash, check and credit cards to pay company invoices.
- Reduced financial discrepancies by accurately managing accounting documentation.
- Processed both outgoing and incoming payments and invoices.
- Supported clerical and administrative needs of senior department staff.
- Entered invoices into account software, updated accounts and identified aging balanced ready for collections activities.
- Updated accounting ledger and journals with updated transaction information.
- Kept records current and accurate with skilled reconciliations and variance resolutions.
- Prepared monthly and year-end closing statements, financial documents and invoices.
- Resolved billing discrepancies by completing detailed research and analysis and documented client rebate discounts and reserve fund records.
- Collaborated with senior staff to produce accurate, current and timely financial reports and supporting documentation.
- Established and maintained automated and manual accounting records, post receipts and turn-ins and performed dues-ins and dues-outs accounting.
- Analyzed documentation and standard financial statements for accuracy.
- Communicated with senior accounting staff about discrepancies and devised plans to reconcile financial issues.
- Collaborated with billing and account management departments to implement corporate collection policies in accordance with cross-functional objectives.
- Constructed itemized bill listing for internal accounting and office-wide distribution.
- Managed accounts accurately through detailed revenue reporting.
- Reduced processing bottlenecks through key workflow updates.
Education
High School Diploma -
Livingston High School
Livingston, Texas06.1989
Skills
- QuickBooks ProAdvisor Certification
- QuickBooks ProAdvisor Payroll Certification
- 10 key proficient
- 55 to 60 WPM
- Account reconciliation
- Accounts receivable/payable
- Administrative duties
Timeline
Private Caregiver
Consumer Direct Care Network
05.2023 - Current
Delivery Driver
Amazon Flex
01.2023 - Current
Account Technician II
Snohomish County Sheriff's Office
10.2022 - 12.2022
Mortgage Loan Officer
Amerisave Mortgage
03.2022 - 09.2022
Mortgage Loan Officer
Mutual Of Omaha Mortgage
12.2019 - 12.2021
Accounting Specialist
Campbell Auto Group
01.2018 - 06.2018
Mortgage Loan Officer
Fairway Mortgage
07.2017 - 12.2017
Mortgage Loan Officer
Absolute Mortgage
04.2017 - 07.2017
Mortgage Loan Officer
Caliber Home Loans
06.2016 - 03.2017
Accountant Specialist
Campbell Auto Group
12.2009 - 06.2016
High School Diploma -
Livingston High School
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