ARACELI T. SAB
SENIOR LOAN MORTGAGE PROCESSOR/ DATA ANALYST
Palo
Summary
A quality-driven accountant with ten years meaningful experience in accounting, specially with financial & operations accounting—greatly exposed in general ledger maintenance, full-cycle of accounting, financial statement preparation, internal audit, knowledgeable in Philippine tax return & involvement in IRS & US payroll tax preparation & filings for diverse organizations throughout the years. —a thorough knowledge of applicable laws, regulations & standards in finance & accounting for internal & external reporting. Promotes transparency, accountability, understanding & teamwork in workplace. Experienced with processing high-volume mortgage loans efficiently and accurately. Utilizes analytical skills to ensure compliance with regulatory standards and optimize loan approval processes. Knowledge of team collaboration and adaptability to meet changing demands in mortgage industry.
Overview
13
13
years of professional experience
3
3
Languages
Work History
Senior Mortgage Loan Processor/Financial Analyst
Metropolitan Bank and Trust Company
03.2016 - 03.2026
- Responsible for facilitating the loan application process from start to finish of car, housing and commercial loans.
- Documenting all relevant information, terms, and conditions of loan documents.
- Handles life and fire insurance monitoring and reports.
- Ensures proper filing/management of legal documents.
- Records / encodes incoming legal and collateral documents into the Securities Tracking system.
- Custodian of collaterals (TITLES)
- Assess the value and condition of any collateral pledged to secure the loan, such as real estate, vehicles, or other assets. This may involve ordering property appraisals or conducting inspections to ensure that the collateral meets the bank's lending criteria.
- Conduct quality checks on loan files to ensure accuracy, completeness, and compliance with internal policies and regulatory requirements.
- Ensures that loan applications are processed efficiently, accurately, and in compliance with regulatory requirements, ultimately helping borrowers obtain financing while managing risk for the bank
- Provided comprehensive support to loan officers, ensuring they had all necessary information to make informed decisions on mortgage applications.
- Enhanced loan processing efficiency by streamlining documentation and verification procedures.
- Maintained a high level of accuracy in data entry, ensuring all loan applications were processed without errors.
Accountant
JGC Financing Company
03.2015 - 03.2016
- General Accounting/ maintain the General Ledger
- Reconcile accounts (day to day bank transactions, inter-company transactions, due to & due from accounts etc.)
- Perform internal audits, ensuring adherence to standard requirements
- Audit report analysis & findings to the management team
- Prepare monthly, quarterly & annual financial reports
- Other tasks to be assigned by the VP of Finance / Line Manager
- Proficiency with Quickbooks Desktop &
- Familiarity with Quickbooks Online & Xero softwares
Accountant
EBusiness BPO, Inc.
09.2014 - 03.2015
- Make 2316 for resigned, absent without official leave, terminated and end of contract employees
- Assigned to Payroll and 13TH Month for 2316
- Loan Amortizations (SSS Salary loans & HDMF loans)
- Statutory Contributions/ Remittance of SSS, Philhealth and Pag-ibig contribution (every 15th of the month)
- Checking employees contribution numbers
- Updating 1604CF (Annual Information Return of Income Taxes Withheld on Compensation and Final Withholding Taxes) and 13th month pay slip
- BIR FILING to bir.gov.ph.com
- QB Data Entry: Writing checks – refer to Cash Disbursement Summary 2014
- BANK RECON:
- 1. Citibank - dollar & peso account
- 2. Unionbank - dollar & peso account
- 3. Metrobank - dollar & peso account
Quickbooks Project Consultant
Sison Corillo Parone & Co.
03.2014 - 09.2014
- Assist with the setup of QuickBooks software, including configuring company files, setting up accounts, and customizing preferences to fit the client's business needs
- Manage the transition of financial data from previous systems to QuickBooks, ensuring data integrity and accuracy
- Customize QuickBooks to meet specific business requirements, including setting up chart of accounts, creating custom invoices and reports, and configuring user permissions.
- Help integrate QuickBooks with other business applications (e.g., CRM systems, e-commerce platforms) for seamless data flow.
- Offer ongoing technical support and guidance to address any issues or questions that arise post-implementation.
- Assist in generating and interpreting financial reports, such as profit and loss statements, balance sheets, and cash flow statements.
- Ensure that the client's QuickBooks setup complies with relevant accounting standards and regulations.
- Address and resolve any technical issues or errors within QuickBooks, such as discrepancies in financial data or software malfunctions.
- Conduct periodic reviews of the client's QuickBooks setup to ensure it continues to meet their evolving needs and make adjustments as necessary.
- Develop comprehensive documentation of the QuickBooks setup, including customizations and procedures.
- 6 Mos. Contract
Sales Accountant
Golden Arches Development Corporation
07.2013 - 02.2014
- Managing assigned Petty Cash transactions for more than 400 branches of MCDO nationwide.
- Processing payments for franchisees.
- Input financial transactions and journal entries into the SAP system.
- Perform cash reconciliations, comparing actual cash on hand with recorded transactions to identify discrepancies.
- Processing Miscellaneous transactions like SSS Maternity loans.
- Receiving and processing invoices, expense forms and request for payment.
- Assist in preparing balance sheets, income statements, and cash flow statements.
- 6 Mos. Contract
Sales Accountant
ALN Group of Companies
01.2013 - 06.2013
- Reconcile sales reports from various sources, such as point-of-sale (POS) systems, to ensure accuracy and consistency with financial records
- Analyze sales data to identify trends, patterns, and anomalies that could impact financial performance.
- Perform cash reconciliations, comparing actual cash on hand with recorded transactions to identify discrepancies.
- Apply best practices in sales accounting to ensure effective and efficient financial management.
- Receiving and processing invoices, expense forms and request for payment.
- 6 Mos. Contract
Education
Bachelor of Science in Accountancy -
Saint Paul School of Business & Law
01-2012
Secondary Education - undefined
Leyte National High School
01-2007
Skills
General Accounting
General Ledger Accountant
Internal Audit exposure
Philippine Tax Return preparation & Filing (BIR)
Exposure to IRS preparation & US payroll tax filing
Budgeting
Bookkeeping
Cash/ Bank Reconciliations
AR / AP management
Documentation review
Time management capabilities
Appraisal review
Regulatory compliance
Title examination proficiency
Fraud detection awareness
Loan processing proficiency
Document review
Timeline
Senior Mortgage Loan Processor/Financial Analyst
Metropolitan Bank and Trust Company
03.2016 - 03.2026
Accountant
JGC Financing Company
03.2015 - 03.2016
Accountant
EBusiness BPO, Inc.
09.2014 - 03.2015
Quickbooks Project Consultant
Sison Corillo Parone & Co.
03.2014 - 09.2014
Sales Accountant
Golden Arches Development Corporation
07.2013 - 02.2014
Sales Accountant
ALN Group of Companies
01.2013 - 06.2013
Secondary Education - undefined
Leyte National High School
Bachelor of Science in Accountancy -
Saint Paul School of Business & Law