Charles Schulz Email & Phone Number

Atlantic Beach, Florida

* Responsible for General Ledger, bank reconciliations, trail balance, journal entry's, adjusting entries and final postings to general ledger. * Proficient with Sage MAS 90 for all accounting record keeping. * Maintain consistent work flow and forecast budget to reduce expenses and increase net revenue.* Correspond with five locations and over 200 employees to maximize cash flow and maintain internal auditing controls. * Responsible for ERISA regulations concerning 401K administration and DOL regulations.

Effectively manage the negotiation of collections, loss mitigation, and foreclosures.* Develop productive working relationship with lenders by conducting short sale processing and negotiations.* Utilize high analytical thinking skills in evaluating and negotiating loan resolution and loss mitigation.* Function as guest speaker to business organizations to effectively promote and explain financial strategies.* Utilize relationship-building skills in collaborating with Certified Public Accountants, lawyers, title companies,and real estate agents.Key Accomplishments:* Initiated, established, and cultivated company relationship and exposure through proactive participation in various community events and activities.

B.S. Accounting Audit/ForensicGraduation date 9-11-20123.58 GPA

Led the origination and administration of residential and commercial loans including deposit accounts focusing on long-term profitability through development of relationship strategies.* Efficiently carried out client, pricing, and term negotiations while coordinating the presentation of loan packages to the Director’s Committee.* Closely supervised and monitored the ongoing renewal and risk assessment of loan portfolio.* Provided keen oversight in managing the collections, loss mitigation, and foreclosure processes.Key Accomplishment:* Rendered outstanding service in supporting and mitigating risk for new loans through detailed analysis of financial statements.* Spearheaded efforts in boosting bank’s financial services while ensuring quality and accuracy of financial and loan documentation through coordination and collaboration with third party professionals.

Jacksonville Florida

Demonstrated proficiency in coordinating and reviewing credit quality of portfolio while managing the development of trends in particular industries.* Handled the preparation and creation of risk ratings as well as the analysis of potential loss for non-performing assets.Key Accomplishment:* Effectively utilized gained knowledge and expertise in residential, commercial and industrial lending focusing on establishment and cultivation of banking relationships.

Ponte Vedra, Florida

Ensured overall compliance with regulations by overseeing and maintaining all lending policies and procedures.Key Accomplishments:* Significantly grew client base and generated referrals and repeat business by building new business relationships for both conforming and non-conforming residential mortgages.* Drove the attainment of business profitability by increasing deposits and expanding community relations through innovative creation of marketing strategies and techniques.* Played an integral role in maximizing productivity of overall operations while reducing delinquencies through analysis and implementation of an operating system.

Responsible for managing the daily operations of 30 staff members,sales, administrative specialists, and business development.* Meticulously administered the review of loan documentation, origination, processing, and closing.* Exhibited in-depth knowledge of analyzing and negotiating loan resolution and loss mitigation.* Assumed full responsibility in coordinating and facilitating performance evaluations, staff terminations, and compensation plans.Key Accomplishment:* Successfully streamlined business development through trend evaluation and forecasting.

Business Development and Retail broker.

Master'S Degree, Forensic Accounting, 3.1

Activities and Societies: AICPA, ACFEFocusing on audit controls and current GAAP regulations governing banks and financial institutions.

Bachelor' Of Science, Accounting

Aerospace, Aeronautical And Astronautical/Space Engineering