Bernard Kosie

Freelance Business Plan Writer & Accountant

1556
Location:Sugar Land, Texas, United States
Profile:https://www.freelanced.com/bernardkosie
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Bernard J. Kosie
17926 Royal Gate Lane
Houston, TX 77407
Phone: (469)-268-0884
Email: bernardkosie@gmail.com

PROFESSIONAL PROFIL
Strong interpersonal and communication skills with a demonstrated ability to develop and maintain sound business relationships. Proven ability to assume challenging roles, perform in highly visible positions, work under pressure to meet deadlines and produce strong sustainable results. Aggressive and energetic self-starter; effective working both independently and as a team member. Consistent success in surpassing productivity and performance objectives. Comprehensive knowledge of financial statement preparation and analysis; Knowledge of Mortgage Banking; Proficient in applying accounting principles to auditing engagements and management reports.

Specific experience in:
() Loan Origination () Financial Management/ Analysis
() Loan Processing/Analysis () Multi-Sate Sale & Use Tax Preparation
() Personal Assessment/ Evaluations () Multi- P&L for Management
() Financial/Loan Business knowledge () Project Management
() Organizational/Account Management () Budget Preparation
() Community Leadership () Extensive Marketing Promotions

PROFESSIONAL EXPERIENCE

Accountant (1/02/2010 to 9/30/2011
Dominion Financial Services- CPA FRIM -VA
• Prepare projected financial budget for the company
• Make sure all payroll taxes are file timely on the behalf of the clients
• Prepare and file individual and corporate taxes for clients
• Make sure that business licenses are file prior to due dates
• Reconciled client bank statements.
• Prepare and file sale and used tax
• Prepare end of year Financial Report for management review.
• Prepared and file 940 and W2 for clienst
• Prepared and file 1120 and 1065for clients
• Prepared and file 1040 and 1099 for clients
• Prepared and filed 990 at end of year for company clients

Branch Manager (02/01/2005-2/28/2010)
Abba Mortgage Company –Virginia
205 South Whiting Street, Suite 205, Alexandria VA 22304
• Analyzing risk potential and made sound lending judgments on mortgage and home equity loans.
• Assist client in determining financial needs and recommends appropriated credit solutions
• Interview loan applicants, set up and processed files, and prepare files for closing.
• Review all loans prior to submission to Lenders/ Banks
• Make sure all disclosures signed by client are in compliance with State and Federal
• Satisfied all conditions from Lenders/Banks in a timely manner prior to closing
• Review all Broker Demand and make necessary correction if needed prior to final HUD
• Make sure that the all loans are in complaisance with State guidelines.
• Make sure that all company loan officers are paid accordingly with each state guideline.
• File out new broker package for new Lenders/Banks who wants to sign up the company
• Built a strong base of referrals for nonconforming loans through effective outside marketing
• Supervised thirty- five loan officers
• Make sure all State(s) and Federal taxes paid timely.

Branch Manager (10/2004-1/31/2007)
Town and Country Financial Services –Virginia Branch Office
205 South Whiting Street, Suite 403, Alexandria VA 22304
• Analyzed risk potential and made sound lending judgments on mortgage and home equity loans.
• Assist client in determining financial needs and recommends appropriated credit solutions
• Interview loan applicants, set up and processed files, and prepare files for closing.
• Review all loans prior to submission to Lenders/ Banks
• Make sure all disclosures signed by client are in compliance with State and Federal
• Satisfied all conditions from Lenders/Banks in a timely manner prior to closing
• Review all Broker Demand and make necessary correction if needed prior to final HUD
• Request and review all appraisals are in compliance with the Lenders/Banks
• Request and review termite inspection for all purchases on the behalf of the client.
• Built a strong base of referrals for nonconforming loans through effective outside marketing
• Supervised twenty two loan officers


Loan Consultant (01/2001 to 10/2004)
Prudential Mortgage Services, Inc. – VA
85 Bragg Street, Alexandria VA 22312
• Interview loan applicants, set up and processed files, and prepare files for closing.
• Assist client in determining financial needs and recommends appropriated credit solutions
• Analyzed risk potential and made sound lending judgments on mortgage and home equity loans.
• Review all Broker Demand and make all necessary correction if needed prior to final HUD
• Prepared and review all 1099 and W2’s for all loan officers at the end of year
• Assist in preparing monthly financial report for management review
• Assist in Budget preparation for management review
• Review all loans prior to submission to Lenders/ Banks
• Request and review all appraisals are in compliance with the Lenders/Banks
• Satisfied all conditions from Lenders/Banks in a timely manner prior to closing


Accountant/Comptroller (1/99-12/00)
Self Reliance Foundation-Washington DC
529 14th Street, Suite 700 Washington DC 20045
• Planning, directing and coordinating all accounting consolidation,
Financial reporting (balance sheets, P&L, cash flow statements)
Functions including setting and coordination of accounting policies,
Procedures, rules and regulations.
• Prepared monthly financial statements for management review.
• Manage A-133 grant accounting
• Review bank reconciliation monthly.
• Designed daily cash flow report summarizing inflows and outflows to bank account
• Ensured timely payments of vendor’s invoices
• Prepared and filed payroll withholding taxes.
• Prepared and file 940 and W2
• Prepared and filed 990 at end of year.
• Prepared budget for current year for management review.

Financial Manager (11/96-12/98)
World Hope International-VA
836 Old Keenmile Road, Suite 201 Springfield, VA 22152
• Prepared and analyzed numerous bank reconciliation on monthly bases.
• Prepared monthly financial statements for management review.
• Designed daily cash flow report summarizing inflows and outflows to bank account
• Ensured timely payments of vendor’s invoices.
• Created and presented monthly/quarterly expense analysis spreadsheet to management.
• Prepared and file state and federal tax withholdings
• Prepared and file 940 quarterly
• Prepared projected financial budget for current year
• Prepared GIK receipts, letters to donors, maintain listing
• Liaison with stock broker regarding donations
• Prepared and filed 990 at end of year.



Tax Accountant (2/92-11/96)
Vie De France Yamazaki Inc. –VA
2700 Chain Bridge Road, Vienna VA 22042
• Prepared and filed multi-state sales and use tax returns
• Reconciled prior year sales and use tax returns
• Prepared and filed multi-site Payroll tax returns for twenty-two (22)
• Prepared and filed Federal income tax withheld
• Remitted taxes withheld to IRS by means of Electronic funds Transfer (EFT)
• Reconciled quarterly multi-site income tax returns
• Prepared and filed quarterly multi-site unemployment tax returns (SUTA)
• Prepared and filed Employer’s Annual Federal Unemployment tax (FUTA)
• Prepared and filed personal property tax returns
• Assisting with preparation of federal, state and local income tax returns



EDUCATION: 2010 Stratford University- Pursuing Bachelor’s Degree in Software Engineering
2010 Member of the District Real Estate Investment Group
2007 Member of the Mary Land Mortgage Brokers Association
2007 Member of the Virginia Land Title Association
1990 Rapid Result College, London. The Chartered Association of Certified Accountant (ACCA)
1988 Rapid Result College, London, BS in Accounting

SOFTWARE SKILLS: ACCPAC, QuickBooks, Peach Tree, Mass 90, Microsoft Office, AS 400, HTML, JavaScript, Dreamweaver, Drake, Calylex Point and Emcompass
Skills (2) Rating
Business Plan Writing
Accounting