Carlos Santos

Experience

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  Capital One

  Jun 2007 - Jul 2010

  Teller Manager

  • Assisted in coordinating the communication, implementation and monitoring of all branch operational policy and procedures in regard to bank processes, critical controls, security requirements, etc. • Assisted in assessing the impact of processes and controls on the day to day operations of the branch to ensure operational excellence and compliance. • Reviewed and followed up on management reports e.g. OD, Kite, BAR, etc. in a timely manner. • Completed required audits and reconciliations of consignment items, teller cash drawers and cash vaults. • Ensured adherence to the Bank policies and procedures by all staff • Ensured that regulatory compliancy standards were met • Conducted periodic meetings with staff to discuss operational and/or fraud/security issues and provided training on pertinent topics Show less

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  Comprehensive Dental Care

  May 2010 - May 2011

  Finance Manager

  Finance ConsultantAccounts PayableBilling Specialist Claims Specialist

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  Atlantic Financial, Inc.

  Jun 2011 - May 2016

  Developed and oversaw loan disbursements, documents, and reports along with obtaining credit and financial information as required.Analyze applicant's financial status, credit, and property evaluations to determine loan eligibility.Communicate and provide business clients with financial analysis, loan servicing, and reports as needed. Produced loan documents, reports, and new accounts.Prepared files for underwriting.Funded loans.Audited & organized loan documentation and files.Processed loan approvals and prepared loans for investors to buy.Maintained a high level of customer service by being proactive in communication with customers, banking center associates, and contractors

  • Funding Coordinator

    Jun 2011 - May 2016

  • Loan Processor

    Jun 2011 - Aug 2012
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  Easterns Automotive Group

  Jun 2016 - Feb 2020

  Implemented internal controls to ensure compliance with company policies and safeguard the dealership’sassets.Responsible for other financial activities and projects including processing timesheets, producing floor plan payoffs, and organized team schedules. Reconcile the accounting records and maintain orderly, up-to-date, and accurate data at all times.Accelerated all sales paperwork with proper and complete documentation to lenders.Responsible for producing all sales contracts and agreements.

  • Office Manager

    Jul 2019 - Feb 2020

  • Financial Assistant

    Jun 2016 - Jul 2019
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  Palacios Design Construction

  Apr 2017 - Apr 2020

  Business Manager

  Responsible for implementing strategies for streamlining and improving business operations.Introduced and implemented innovative processes and procedures to ensure company growth.Liaised and consulted with clients, staff, and suppliers.Improved business performance, technologies, and policies.Processed all financial transactions and produced financial statements.

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  Highlight Technologies

  Apr 2020 - Sept 2021

  Loan Specialist

  Supporting the US Small Business AdministrationReviewed assigned loan files to become acquainted with the characteristic requirements, collateral, and terms of the loan.Analyze requests from direct borrowers or requests from participant lenders about servicing, liquidating, or purchasing loans.Analyze financial statements (using cash flow projections and ratio analysis) as necessary to detect trends in the financial condition of the business and to initiate appropriate corrective actions.Analyze the underlying problems and causes of the delinquency applications and develop the solutions to protect the interest of the Agency and the survival of the small business.Performs other loan processing, servicing, purchasing, liquidation, or other transaction activities as needed to support the team. Show less

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  Intuit

  Dec 2021 - May 2022

  Tax Prep Assistant
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  Unisource Services, LLC

  Sept 2022 - Nov 2024

  Full Charge Bookkeeper