Deenice Galloway

Experience

• 

  Capital Mortgage Finance, Mortgage Capital Investors, CTX Mortgage Co

  Jan 1997 - Nov 2002

  Loan Officer/Loan Processor

  Loan Officer/Loan Processor June 1997 – 2002Capital Mortgage Finance, Mortgage Capital Investors, CTX Mortgage Co Originated and qualified applicants for mortgage loans for home purchases, refinance, and new home construction. Requested, reviewed financial statements and counseled applicants on credit status and implemented strategies to improve their credit rating. Processed Conventional and FHA loans using guidelines for underwriting review. Fostered strong relationships with local realtors, contractors, financial advisors, and other referral sources to provide, products and program information. Show less

• 

  Expert Tax & Consulting Service

  Jan 1997 - now

  Enrolled Agent

  PROFESSIONAL EXPERIENCEPRESIDENT January 1997 to PresentExpert Tax & Consulting Service Built a financial planning startup through aggressive prospecting, networking and referrals as a well as strategic cold calling, warm lead follow-ups and targeted marketing campaigns. Collaborate with clients to identify financial goals and develop and implement need based financial plans including life insurance planning, disability income needs, retirement income planning, college tuition planning, money management, and estate planning among others. Provide proper planning, consulting, and preparation to file tax returns and ensure compliance in accordance to tax regulations, codes and tax law changes to minimize client’s tax liabilityPerform in-depth client interviews to determine the proper tax filing status, review expenses and deductions allowedReview and analyze all aspects of client’s financial data to provide advice and recommendations for tax planning Review and calculate exemptions using Circular E and the payroll standards to determine proper withholdingsProvide tax resolution for clients with tax issues or audits using the general rules and procedures of the examination process and guidelines, MSSP, and Audit Techniques guides to ensure compliance on behave of clientsReview data for compliance and mathematical accuracy, format, adequacy of supporting narrative justification, conformance with Internal Revenue Code and revenue rulings guidelines for tax auditsReview, examine, prepare and calculate budgets required to complete and submit Offer in CompromiseCollect, assemble, examine pertinent documents and financials to complete and file key IRS forms such as- 1040, 1041, 1120S, 940, 990, etc. and extensions, and amendmentsKnowledge of Financial Accounting Standard Board Statement 109 (FAS 109)Knowledge of Exempt Organization tax structure and the new 990 Show less

• 

  Carteret Mortgage Corporation

  Nov 2002 - Aug 2008

  Mortgage Loan Specialist

  Mortgage Loan Specialist November 2002- August 2008Carteret Mortgage Corporation Managed and served as a conduit and liaison for first-time or return homebuyers through acting as a consultant and negotiator to oversee the step-by-step loan process for obtaining a mortgage. Processed Conventional, FHA and VA loan packages according to loan program guidelines to submit directly to the lender for underwritingProvided insight and education to clients about various loan programsAnalyzed applicants credit worthiness and counseled clients on planned approach to improve their credit ratingPrepared, reviewed and processed loan applications for proper submission to lendersProvided mortgage loan commitment letters to clients and locked interest rateScheduled and meet with various lender representatives to review loan programsPerformed post-closing audits to ensure compliance of loan program Show less

• 

  First Baptist Church of Glenarden - Christian Business Institute

  Jan 2003 - Sept 2005

  President - Christian Business Institute

  ADDITIONAL PROFESSIONAL EXPERIENCEPresident January 2003-2005Christian Business Institute, First Baptist Church of Glenarden The Christian Business Institute was established to assist entrepreneurs and businesses with protocol and guidelines while using sound business principles to have a successful impact all aspects of their businesses.Developed, and implemented the mission and vision of Christian Business Institute as President. Participated in the budget process and preparation in accordance to the guidance of the Ministry. Coordinated monthly meetings with the leadership team and various committees to carry out the plans, goals and activities of the institute.Coordinated monthly sessions for the members on various business topics. Planned, developed, and facilitate monthly sessions on various business topics. Developed, and created presentation and instruction in various topics such as “How to write a Business Plan”, “Taxes for Businesses” and other related business topics.Organized a team of twenty committed individuals to successfully produce the first Christian Business Directory. Coordinated 2005 Christian Business Summit Expo bringing together vendors, business owners and the community to exchange information and ideas. Show less

• 

  First Baptist Church of Glenarden

  Sept 2004 - Dec 2012

  Financial Planning Counselor - Prosperity Partners Ministry

  ADDITIONAL PROFESSIONAL EXPERIENCEFinancial Planning Counselor – Prosperity Partners Ministry September 2004 - PresentFirst Baptist Church of Glenarden Prosperity Partners, a financial empowerment and mentoring program designed to help its members make better financial decisions to achieve prosperity. Provide financial credit counseling and debt management via a mentor approach for individuals and couples that have challenges in managing their finances Provide individuals with the needed tools and assistance to develop a budget and calculating their net worth.Provide the necessary information needed to teach individuals how to request, read, review and understand their credit reports, the importance of credit score and how to correct errors Implement workable solutions, plans and strategies to partners on how to manage their debt and save money.Analyze partner’s current financial situation to provide personalized options based on their financial goal.Met with partner as needed to ensure the principles that are taught are put into practiceProvide partners with assistance to develop a plan to payoff outstanding debtFacilitate a financial literacy program to inmates in a prison. Show less