Steven Wilson II
Isabella Bank
Clarksville
6
years of professional experience
Analytical, ambitious, and detailed-oriented business professional offering progressive experience in copious loan accounting fields; with a demonstrated work history pertaining, but not limited to the commercial, collection, escrow, insurance, mortgage, and SEC banking industries.
Work History
Lead Staff Accountant
2 Years 2 Months- Aided in preparing budgets and forecasting expenses and costs to assist the Board of Directors in making informed decisions regarding future financial performance
- Championed the implementation of new accounting software that significantly increased the efficiency of re-classifying entries within the department
- Collaborated with cross-functional teams for budget planning, ensuring alignment with organizational goals
- Enhanced financial accuracy by streamlining accounting processes and implementing internal controls utilizing various third-party software platforms on a quarterly basis
- Ensured compliance with GAAP standards by staying current on industry regulations and implementing necessary changes promptly
- Helped with preparation of year-end and statutory accounts to compare variances/irregularities compared to past reports and evaluate financial health of company
- Prepared and analyzed accurate corporate/regional financial statements, enabling informed decision-making by senior management
- Prepared and processed pre/post month-end journal entries to record in general ledgers and create consistent loan documentation
- Reduced month-end closing time by automating and recreating corporate/regional trial balances while closely monitoring reconciliation and consolidation processes all within 20-30 minutes
Escrow Officer - Consumer Loan Specialist II
2 Months- Computerized recordkeeping remittance, initiating and maintaining financial report accuracy for all third-party vendors
- Disbursed petty cash by recording adjusting entries related to escrow and hazard insurance while verifying over 300 daily loan payoffs.
- Manually generated annual escrow analyses for all pre-HNB merger loan accounts
- Processed all daily outgoing wires related to mortgage escrow, utilizing Digital Tax accounting techniques
Bank Officer - Loan Accounting Analyst
1 Year 1 Month- Performed daily cold research focusing on IFM transfers in addition to DDA exceptions
- Established all construction loan exception items while distributing monthly reports to appropriate personnel
- Individual maintenance performed covering over 20% of booked loans, including loan amendments, modifications, re-calculations, renewals, etc.
- Distributed all mortgage PMI escrow disbursements ensuring completion of all wire transfers/payoffs
SWAP Bank Officer
4 Months- Processed and maintained all Swap portfolio transactions consisting of 800+ accounts
- Verified billing notices for all SWAP loans
- Collaborated with operating units and business partners to define root causes and proactively resolve processing issues
- Worked directly with Lenders to maintain accuracy of Participation and Swap loans
- Ensured all notifications and payments to Investor Banks were accurate and timely
- Processed incoming and outgoing wires related to Swaps and Participations
Loan Servicing Specialist II - Account Maintenance
1 Year 5 Months- Accurately and promptly processed transactions and responded to requests for information, while maintaining standards with various loan requirements
- Completed Variable Plan remediation project for over 1,000 loan accounts prior to year-end 2019
- Disbursed all un-posted items within established timeframes
- Processed all commercial loan and revolving-line maintenance (including all loan modifications and renewals)
Collections Specialist
1 Month- Used skip tracing and other techniques to locate debtors.
- Utilized scripted conversation prompts to convey current account information and obtain payments.
- Set up drafts and processed 10-20 daily immediate payments.
- Performed in call center environment handling manual and automatically dialed outbound calls.
Power Banker
3 Months- Interviewed over 20 clients daily to gather information about their unique financial situations, needs and objectives
- Evaluated various loan programs and affordable financing plans from broad ranges of Quicken Loans mortgage options
- Educated and advised clients on their home buying process and how to best manage their mortgage
- Ensured exceptional client experiences with ongoing communication throughout their entire loan process
Education
Bachelor of Science - Accounting
Skills
Computer system programming
Client loan servicing
Data analysis: Charge-Offs/Write-Offs/Discharges/etc.
Diversity
Equity
and Inclusion
FED servicing
GAAP
General ledger reconciliation and consolidation
Loan modification and re-calculation/Troubled Debt Restructuring (TDR)
Meticulous attention to detail
Microsoft Excel: Averages
COUNTIFs
CONCATENATE
Pivot Tables
SUMIFs
etc.
Nonperforming loan exceptions
ORE/REPO loan servicing
SEC documentation: 10Q
10K
Forms 3/4/4a/5
etc.
SWAP third-party loan servicing
Time Management
Proficient verbal and written communication
Accomplishments
- Isabella Bank Team of the Year: Accounting Department (2023)
- Bankers Community Gauntlet: 2nd Place Silver (2023)
- Variable Plan Remediation Tier 2: 1000 loans (2019)
- Quicken Loans: 5th place Coin Pacing Winner (2018)
- Quicken Loans: Select member of Aviator Pilot Program (2018)
- Chippewa Marching Band: Senior Trumpet Rank Captain (2015)
Affiliations
National Association For Black Accountants (N.A.B.A.)
Timeline
Lead Staff Accountant
Isabella Bank
01.2022 - 03.2024Read More
Escrow Officer - Consumer Loan Specialist II
Huntington National Bank
10.2021 - 12.2021Read More
Bank Officer - Loan Accounting Analyst
TCF Bank/Huntington National Bank - Merger
08.2020 - 09.2021Read More
SWAP Bank Officer
Chemical/TCF Bank - Merger & Acquisition
04.2020 - 08.2020Read More
Loan Servicing Specialist II - Account Maintenance
Chemical Bank
11.2018 - 04.2020Read More
Collections Specialist
American Profit Recovery
09.2018 - 10.2018Read More
Power Banker
Quicken Loans
05.2018 - 08.2018Read More
Central Michigan University
Bachelor of Science from Accounting
Read More