Tess Mollena

• Responsible for all areas of housing and repair program. Ensure compliance with relevant regulations throughout all stages of program implementation by closely monitoring adherence to established guidelines.
• Perform loan application review, origination, underwriting, closing and servicing of loans for Kauai, Hawaii Island, Maui, Molokai and Lanai.
• Determine income eligibility by extracting and calculating information from verified source.
• Review and analyze income and financial information.
• Represent Agency in appeal hearings.
• Conduct Class I and Class II environmental review and in-depth review for properties located in flood zone, SMA and Sole Source Aquifer.
• Conduct site inspection and review construction documents for compliance with agency guidelines.
• Perform administrative review of appraisal reports.
• Open escrow and review title reports and lien searches.
• Prepare loan closing instructions, order funds and coordinate closing between all parties involved.
• Provide credit counseling to delinquent borrowers to ensure all preventive steps (moratorium, reamortization, delinquency workout agreement, increased payment assistance) have been exhausted and if necessary, arrange for liquidation of loan.
• Appointed HUB for applications received electronically.
• Led cohesive team of specialists located throughout state by maintaining regular communication via Teams, email and phone calls to coordinate program logistics and executing tasks according to established timelines and milestones, resulting in timely completion of self-help projects on Kauai and Hawaii Island.
• Proficient in Excel, Word, Power Point, Publisher, Outlook as well as cloud-based and web-based applications. All work done electronically and in real time.

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• Meet tight deadlines by effectively prioritizing tasks and maintaining a strong work ethic in high-pressure situations.
• Prepare presentations for internal meetings or external audiences.
• Review all outgoing correspondence and screen for completeness of reply, grammatical and procedural correctness. Search for, selects, assembles, compiles and types a variety of information including, but not limited to administrative program, office forms, reports, documents, correspondence and statistical data.
• Review, prepare and assemble files assuring completeness and accuracy.
• Request loan checks and ensures approval conditions and security requirements have been met.
• Collect payments, determine loan account to be credited, compute interest and other charges.
• Prepare collection forms, deposit information and report of daily deposit activity. Assure all forms for accounting purposes are properly completed.
• Monitor and carry out collection activities. Prepare collection forms, deposit information and daily report.
• Review delinquent accounts, prepare late notices and discuss servicing options with clients.
• Open and maintain bank accounts and reconcile monthly.
• Write checks from bank account upon receipt of invoices. Post checks to bank sheets and assure columns are in balance.

• Receive telephone and office callers and furnish information.
• Maintain composure in stressful situations and continued to provide helpful and kind guest services for great customer satisfaction.
• Provide quality clerical support through data entry, document management, email correspondence, and overseeing operation of office equipment.
• Maintain management system records, applicant files and operating files.
• Improve financial record-keeping accuracy with diligent tracking of invoices, payments received, and expense reports submitted for reimbursement.
• Accurately input data into spreadsheets and databases.
• Coordinate and schedule meetings and appointments.
• Monitor and track budgets and expenses.

• Maintain financial records and monitor cash flow.
• Maintain and process invoices, deposits, and money logs.
• Manage accounts payable and receivable activities. Maintain vendor relationships.
• Prepare monthly bank reconciliations to ensure accurate representation of company's financial position.
• Track expenses and income for businesses while organizing and maintaining bank statements for checking accounts.
• Monitor incoming payments from clients, ensuring prompt application of funds against outstanding invoices.