Category: BANKING

         FINANCIAL INSTITUTIONS EXAMINER       Summary    Well-regarded professional with proven record in analyzing statistical data and financial documents, providing comprehensive assessment of overall health of financial institutions. Meticulous analyst who quickly evaluates data to accurately assess financial risk and regulatory compliance in fast-paced, time-sensitive environments. Skilled relationship manager - fluent in both English and Spanish - who is effective in engaging others to progress project goals.      Highlights          Financial analysis  Capital market trends  Financial forecasting   Risk management expertise    Budget Analysis       Cash flow analysis  Application of GAAP regulations  Financial modeling  Variance Trend Analysis            Experience      Financial Institutions Examiner     Mar 2011   to   Jan 2015      Company Name   －   City  ,   State     Conducted examinations of financial institutions (records and operations) to verify adherence with relevant laws and regulations, including Bank Secrecy Act (BSA) and Anti-Money Laundering (AML) rules.  As subject matter expert, conducted training, coached team members, and compiled/reported results while managing stakeholder relations.  Assessed adequacy of assets and liabilities risk management policies and practices, including liquidity and sensitivity to market risks; and net interest margin level and trends.  Assessed adequacy of institution's lending administrative and underwriting policies and practices; borrower's repayment capacity; collateral protection; collateral valuations; legal documentation; and allowance for loan and lease losses' levels and methodology.            Reviewed and evaluated quality of credits ranging from $100 thousand to $25 million, assessing the adequacy of lending practices and level of risks within the lending area of the bank.  Reviewed legal lending documents to determine adequacy of content/structure, covenants and performance/compliance with pertinent terms as well as assessing quality of administrative practices, such as disbursements, tracking of insurance, payment of taxes, request of financial information; others.  Evaluated the adequacy and strength of financial institution's corporate and capitalization structure, as well as business initiatives and future prospects.  Evaluated financial institution's practices; the adequacy of internal controls and procedures; the general character of management; and compliance with consumer protection, and safety and soundness standards.  Evaluated adequacy of audit practices and workpapers, and performed offsite reviews and analyzed audited financial statements.  Reviewed and assessed the adequacy of affiliate transactions and potential risk to the insurance fund.  Assessed the accuracy of depository institution's financial regulatory reports, and evaluated level and trends in financial performance.  Evaluated business impact analysis and risk assessment to determine if residual risk is acceptable.  Reviewed and evaluated the adequacy of the financial institution's Bank Secrecy Act (BSA)/Anti-money Laundry (AML)/Office of Foreign Assets Control (OFAC) programs, as well as Information Technology (IT) and Information Security Systems.  Assessed compliance with fair lending, civil rights laws and regulations, and the Community Reinvestment Act.  Participated and evaluated CAMELS components and other specialty areas on examinations of financial depository institutions with total assets ranging from $100 million to $20 billion.  Provided on-the-job training to less experienced staff members.  Compiled, composed, edited or proof read and evaluated comments for inclusion in final report.  Prepared final reports and drafts memos to communicate status of the examination/project.  Cited and supported apparent contraventions and violations of regulatory guidance when necessary.  Researched and gathered information from a variety of technical and regulatory materials to recommend corrective action; and explained verbally and in writing the application of laws, regulations and practices covering a technical specialty area.  Assessed depository institution's financial performance, strategic plan, budget process, and contingency funding plans.  Assessed and evaluated adequacy of institution's accounting practices and independent review programs.  Identified incorrect accounting entries/data entry postings.         Admissions Advisor     Nov 2008   to   Nov 2010      Company Name   －   City  ,   State     Led recruitment activities and provided support to new and continuing students.  Implemented recruitment plan to achieve budgeted goals each term.  Analyzed past recruitment patterns/projected leads, establishing plan that set specific goals for each step of recruitment process to ensure annual goals were consistently met.  Assisted new and continuing students, reaching out and providing guidance that helped them progress through programs.         IT Specialist Intern     Oct 2007   to   Feb 2008      Company Name   －   City  ,   State     Provided technical support to all users, assisting with virus response/resolution, security patches, and application needs.  Monitored progress and testing status of 2000+ new applications, serving as bridge between developer and clients to keep stakeholders informed.  Tapped as member of Vista and Office deployment team, Researched technical issues and documented solutions for user problems.  Assisted with data analysis to identify appropriate participants for various pilot deployments.         Department Administrator/Dental Assistant     Apr 2003   to   Apr 2007      Company Name   －   City  ,   State     Served as part of dental assisting team for residents in the prosthodontics and general dentistry program.  Handled range of administrative duties for department.  As department administrator, maintained records, filed reports, and updated operating instructions to ensure compliance with proper procedures.  Analyzed and reported productivity maximize provider credits and estimate fiscal year budget.  Standardized dental treatment rooms, establishing common scheme that improved efficiency and effectiveness of dental assistants as they moved to assist in different rooms.  Known for ability to get things done, trained new employees in chair side and administrative duties.         Education      Master of Science  ,   Accounting and Financial Management   December 2016     University College, University of Maryland         Accounting and Financial Management       Bachelor of Science  ,   Business Information Systems   2008     University of Phoenix   －   City  ,   State     Business Information Systems       Skills     Account Analysis &
Reconciliation
  
Accounts Payable

Accounts Receivable
  
Bank Reconciliations 

Business   Due Diligence

Financial Report
Preparation
  
General Ledger Accounting