Objective
To obtain a part-time virtual assistant position for a reputable entity that will allow me to sharpen and utilize my financial skills.

Experience
Bureau of Loans, Alabama State Banking Department, Montgomery, AL
Loan Examinations Specialist – June 2014 – Present

• Responsible for examining business records of licensees under the following consumer finance state laws:  Alabama Consumer Credit Act (Mini-Code), Alabama Small Loan Act (SLA), Alabama Mortgage Brokers Licensing Act (MBLA), Alabama Pawn Shop Act (APA), and the Alabama Deferred Presentment Services Act (ADPSA)
• Reviewing business records on-site at the following licensees: finance companies, pawn shops, payday lenders, and mortgage brokers; Interviewing licensee staff regarding their business practices involving consumer lending
• Reviewing licensee’s federal consumer loan disclosures for compliance with the Truth-In-Lending Act (TILA) and Regulation Z, and the Real Estate Settlement Procedures Act (RESPA) and Regulation X
• Calculating costs associated with consumer loans for compliance with the maximum finance charges allowed by the applicable state consumer finance law, including interest, credit insurance premiums, points, third-party mortgage-related fees and other authorized transaction fees
• Analyzing credit insurance claims for adequacy to determine if the consumer has received all the benefits they are entitled
• Verifying licensee’s accounting system accurately reflects a loan’s payment history
• Evaluating whether the licensee’s sell of ancillary products and collection activities are abusive towards consumer borrowers
• Closing the examination by composing a report citing the laws and regulations found to be in violation, attaching supporting documentation with calculations, and discussing the findings with the licensee’s branch manager by explaining the legal requirements and making suggestions for improvements in meeting requirements.
• Fostering knowledge about other federal consumer finance laws, regulations, tools and calculators by researching training materials, websites supported by HUD and the FTC, and other relevant documents

  
The American Cafe, Mobile, AL
Manager – June 2002 – September 2005

• Responsible for ordering, counting, and securing inventory: food, bar, and paper products
• Composed schedules for front-of-house and back-of-house team members
• Maintained safe cash flow procedures while collecting credit card and cash purchases from team members and made deposits in night safe; acquired small bills and coin change and made deposits to the bank
• Supervised team members in front-of-house and back-of-house and maintained a safe, productive work environment
• Adhered to corporate standards as to security of restaurant unit; adhered to corporate specifications as to portion use, days on hand, and budgets; responsible for profit and loss in area of responsibility

Education
University of South Alabama, Mobile, AL 2011-2014; 2007-2009; 1998-1999

• Bachelor of Science Business Administration with a concentration in Finance; Graduated Cum Laude:  May 2014; GPA: 3.58
• Dean’s List: Summer/ Fall 2007, Spring/Summer/Fall 2008, Spring/Summer 2009, Summer/Fall 2011, Spring/Summer/Fall 2012, Summer/Fall 2013, Spring 2014
• Financial Management Association National Honor Society Member 2012-2014
• FMA Secretary 2013-2014 USA Chapter
• Beta Gamma Sigma – International Business Honor Society Member 2014 – 2015

Other Skills and Certificates

• Microsoft Office: Word, Access, Excel, FrontPage, PowerPoint
• Conference of State Bank Supervisors: CCCS Certification 2015
• NACCA Examiners School – 2015 14.5 CEUs
• NACCA Examiners School – 2016 20 CEUs
• Day One: Mortgage Examiner Training – Conference of State Bank Supervisors – 2015  100 CEUs
• Know Before You Owe Examiner Training – Conference of State Bank Supervisors – 2017 17 CEUs