Maureen T.

Gutierrez
31115 Christine Lane
Nuevo, CA. 92567
Home # 951-928-9815
Cell # 951-850-2418
Objective:
To obtain an accounting position with the County of Riverside or any other posit
ion that I may be qualified for.
Skills:
Business Owner/Operator
Supervisor
Public Speaker/Instructor
Training Employees
Office Manager
Accounts Payable/Receivable
Payroll
Loan Officer
Knowledge:
Working knowledge of Microsoft Word, Excel, Windows XP, Calyx Tech Inc., Calyx
Able to operate standard office equipment such as adding machine, typewriter, co
mputer, cash register, or duplicating machine.
Point and Accounting Plus
Knowledge of Banking, Lending, Sales, Marketing and Promoting
Able to create and complete Financial and Statistical reports, graphs and charts
Knowledge in Economics, Accounting, Accounts Receivable or Payable and Cashierin
g
Basic payroll practice and procedure knowledge
To organize and facilitate trainings and meetings
Excellent in Customer Service and multi-tasking various projects
Ability to interpret and apply a variety of regulations, procedures and requirem
ents Perform research to resolve problems and correct errors
Knowledgeable in stress management, ethics, leadership and communication
Education and Certifications:
Blair Black Realty Institute, Real Estate License
Webinar, Various trainings for Real Estate, Banking, Customer Service and Update
d laws
Cal Pers/Calsters Certified
CHAFA Certified
Notary Licensed
Medical Secretary Certificate
Riverside City and County Down Payment Assistance Programs (Certificate)
Neighbor Housing and Community Development Program Certified
Redevelopment Affordable Housing/Business Development Certified
Community Reinvestment Act (CRA) Certificate
Low to Moderate Income Loan Training Bank of America Certificate of Appraisal
(Certified)
Multi Cultural Loan (Certified)
NHSI (certified)
203K Certified Specialist
Repair Escrows

Experience:
Bank of America, Colton, CA 1 year of service
IMC Funding Group, Yucaipa, CA 10 years of service
Loan Officer
Meet with applicants to obtain information for loan applications and to answer q
uestions about the process. Analyze applicants' financial status, credit, and pr
operty evaluations to determine feasibility of granting loans. Explain to custom
ers the different types of loans and credit options that are available, as well
as the terms of those services. Obtain and compile copies of loan applicants' cr
edit histories, corporate financial statements, and other financial information.
Review loan agreements to ensure that they are complete and accurate according
to policy. Submit applications to credit analysts for verification and recommend
ation. Approve loans within specified limits, and refer loan applications outsid
e those limits to management for approval. Stay abreast of new types of loans an
d other financial services and products to better meet customers' needs. Order a
ppraisals. Assist processor, underwriter and funder in closing conditions. Commu
nicate with escrow companies to obtain insurance and signed documents. Builder,
contractor, construction loans. Obtaining permits.
Gutierrez Andalusians, Nuevo, CA 30+ years of service
Owner/Operator
Establish and implement business policies, goals, objectives, and procedures. Pr
epare and process import and export documentation according to customs regulatio
ns, laws, or procedures. Confer with officials in various agencies to facilitate
clearance of goods through customs and quarantine. Maintain logs of incoming or
outgoing items. Direct and coordinate marketing and advertisment of product. Ma
intain records of business transactions and product inventories, reporting data
to government agencies as necessary. Direct and coordinate organization's financ
ial and budget activities to fund operations, maximize investments, and increase
efficiency. Review financial statements, sales and activity reports, and other
performance data to measure productivity and goal achievement and to determine a
reas needing cost reduction and program improvement. Manage staff of 8, preparin
g work schedules and assigning specific duties. Determine staffing requirements,
and interview, hire and train new employees, or oversee those personnel process
es. Determine goods and services to be sold, and set prices based on forecasts o
f customer demand. Perform bookkeeping work, including posting data and keeping
other records concerning costs of goods and services and the shipment of goods.
Develop, implement, modify, and document recordkeeping and accounting systems, m
aking use of current computer technology. Compute taxes owed and prepare tax ret
urns, ensuring compliance with payment, reporting or other tax requirements. Pre
pare itemized statements, bills, or invoices; and record amounts due for items p
urchased or services rendered. Review documents such as purchase orders, sales t
ickets, or charge slips in order to compute fees and charges due. Organize and s
peak at seminars and educational programs through out the United States.
Mortgage Capital Resources, Colton, CA 7 years of service
Senior Loan Originator
Verify and examine information and accuracy of loan application and closing docu
ments. Interview loan applicants, (personal, builder, contractor,) in order to o
btain personal, business and financial data, and to assist in completing appropr
iate loan documents, including obtaining permits. Assemble and compile documents
for loan closings, such as title abstracts, insurance forms, loan forms, and ta
x receipts. Answer questions and advise customers regarding loans and transactio
ns. Contact customers by mail, telephone, or in person concerning acceptance or
rejection of applications. Record applications for loan and credit, loan informa
tion, and disbursements of funds, using computers. Prepare and type loan applica
tions, closing documents, legal documents, letters, forms, government notices, a
nd checks, using computers. Present loan and repayment schedules to customers. C
alculate, review, and correct errors on interest, principal, payment, and closin
g costs, using computers or calculators. Request credit reoprts, financial state
ments, appraisals, insurance and escrow.
Riverside Home Loans, Riverside, CA 11 years of service
Inside Loan Originator
Plan and direct staffing, training, and performance evaluations to develop and c
ontrol sales and service programs. Provide staff with assistance in performing d
ifficult or complicated duties. Review operational records and prepare reports t
o project sales and determine profitability utilizing graphs and charts. Confer
with company officials to develop methods and procedures to increase sales, expa
nd markets, and promote business.
Arrowhead Tool Inc. San Bernardino, CA 5 years of service
Office Manager
Resolve customer complaints and answer customers' questions regarding policies a
nd procedures. Supervise the work of 20-25 office, administrative, or customer
service employees to ensure adherence to quality standards, deadlines, and prope
r procedures, correcting errors or problems. Review records and reports pertaini
ng to activities such as production, payroll, and shipping to verify details, mo
nitor work activities, and evaluate performance. Review time sheets, work charts
, wage computation, and other information to detect and reconcile payroll discre
pancies. Process and issue employee paychecks and statements of earnings and ded
uctions. Calculate routine billings using established procedures or instructions
; reconcile differences found between payments or receipts using established pro
cedures or instructions. Count currency, coins, and checks received, by hand or
using currency-counting machine, to prepare them for deposit to branch bank. Pro
cess all DMV documents on incoming equipment. Determine shipping method for mate
rials, using knowledge of shipping procedures, routes, and rates. Order supplies
/stock; check purchase orders against requisitions; check supplies received agai
nst invoices; maintain routine inventory records.
Beneficial Finance Company, San Bernardino, CA 4 years of service
Assistant Manager/Cashier
Collect and receipt for monies; post cash receipts; make change for customers fr
om a cash drawer; prepare cash drawer for daily change monetary needs; check cas
h against receipts to balance a cash drawer. Make arithmetical calculations and
verify totals; check arithmetical accuracy; check and correct account or numeric
al records for arithmetical errors or proper coding. Issue receipts, refunds, cr
edits, or change due to customers. Answer customers' questions, and provide info
rmation on procedures or policies. Resolve customer complaints. Review collectio
n reports to determine the status of collections and the amounts of outstanding
balances. Advise customers of necessary actions and strategies for debt repaymen
t. Post financial transactions to accounts or journals or ledgers; post and reco
ncile individual client accounts; adjust or balance ongoing and routine accounts
; reconcile differences found between account records using established procedur
es or instructions. Process collections and repossessions through small claims c
ourt as necessary. Process daily bank deposits.