Owner of a small accounting firm providing unparalleled support to fellow woman-owned small businesses. Services include:- Accounting- Bookkeeping- Payroll- Tax Preparation- Tax Planning- Business Analytics- HR Support- Admin Support

- Assist TurboTaxLive customers with tax advice, product support and tax return Expert Review- Prepare tax returns for TurboTaxLive Full Service clients- Certified in Crypto Taxation, Self-Employed Tax Preparation, Investment Taxation, Military Tax Situations

- Managing payroll for 40 employees- Providing bookkeeping services for Guam’s largest veterinary facility.- Overseeing multi-million dollar expansion of an established veterinary practice- Point of contact for contractors, architects and lending officers- Obtaining price quotes for all portions and phases of the expansion project- Coordinating surveys of land- Negotiating contracts for services related to construction and design- Compiling bank records and financial statements to secure funding for project- Analyzing company and guarantor financials to determine eligibility for lending- Negotiating loan terms and obtaining offers from various financial institutions

Accomplishments:• Provided credit analysis and recommendations for local business loan applicants.• Successfully managed a full portfolio of commercial clients during Relationship Manager’s unexpected four week leave. Required minimal supervision and guidance.• Participated in Teach Children to Save Day 2017 – conducted an educational presentation about saving money to a class of 25 fourth graders at a local elementary school.• Member of the My Voice Team to help communication between management and employees as well as give important insight from the front lines.• Founder and Country Lead of Guam/American Samoa Chapter of the ANZ Pride Network• Voiced the company radio campaign for Fall 2017

Accomplishments:• Specialized in underwriting requests for Government and Municipalities.• Chosen as Lead Analyst for Northern California Business Banking.• Co-Chair of the Fun Committee 2015-2016 – employee committee responsible for recognizing team member accomplishments and providing team building activities.• Received 8 internal customer service awards from fellow team members.• Received Fun Committee VIP Award for outstanding commitment to fellow team members in 2015.Responsibilities:• Responsible for the assessment of complex Financial Statements and accountable to perform all regular monitoring activities including: analyzing loan requests including analysis of borrower information/financial statements, collateral and tax returns to determine ability to pay; conducting forecast analysis, preparing credit reports for review; providing support to relationship managers and coordinating activity in support of credit approval process.• Supported the Business Banking team in making recommendations regarding risk, deal structure, client requirements; and, by analyzing financial and operating data for trends in financial performance of companies and projects. • Supported 10+ Relationship Managers with ongoing portfolio management needs and was directly involved in the credit underwriting process. • Participated in client calls and site visits.• Assisted with the creation of cash flow models that were used to assess financial soundness including appropriate debt covenant levels, debt service and repayment capabilities, and to structure the appropriate financings.• Adhered to Commercial lending processes, policies and procedures, legal and ethical requirements and regulations, audit requirements, and established risk guidelines.• Provided training and reviewed work quality for other credit analysts.