Goldschmitt and Associates (G&A)

Fraud Investigator

• Adjudicate loans flagged for potential fraud.
• Implement loan review procedures that include a manual quality control review process for all loan investigations and dispositions.
• Leverage RFPs and subsequent documentation provided by borrowers/lenders to review bank records, tax records, payroll records, incorporation records, and other documentation for potential fraud or falsification.
• Conduct research via open source methods including government databases (OFAC, SAM, Secretaries of State, etc.) as well as commercial databases and Internet sources.
• Use commercial databases such as LexisNexis, CLEAR, Duns & Bradstreet, etc. for purposes of conducting fraud investigations.
• Use a case management system with productivity goals and oversight expectations.
• Assist with pulling data within <24 hours for documentation requests made by the U.S. Treasury Department, U.S. Congress, SBA OGC, and SBA OIG.
• Assist SBA with drafting responses to inquiries or findings made by government agencies and oversight committees such as the PRAC, GAO, and SBA OIG.
• Assist SBA with drafting responses to requests made by external oversight reviewers related to SBA financial audits, fraud risk assessments, or other PPP evaluations.
• Assist SBA with updating and maintaining PPP policies and procedures.
• Provide detailed daily and weekly reporting on investigative activities.
• Other duties as assigned.

Fraud Investigator – IV

Analyst

• Analyze and maintain borrower accounts within the Perkins Loan portfolio
• Review payment activity, interest accrual, deferment, forbearance, cancellation, and default status
• Investigate and resolve account discrepancies, misapplied payments, and balance inconsistencies
• Coordinate account updates with third-party servicers and collection agencies
• Experience managing contract modification activities, change requests, and deliverable updates
• Perform monthly and quarterly reconciliation of the Perkins Loan servicing system to the institution’s general ledger and revolving fund
• Prepare portfolio reports including: Outstanding principal and interest, Delinquency and default aging, Cash activity and collections, Cancellation and rehabilitation activity
• Support year-end financial reporting and audit preparation
• Assist with audit and other regulatory reviews
• Ensure compliance with Federal Perkins Loan Program regulations and institutional policies
• Monitor due diligence requirements for billing, collections, and default prevention
• Maintain audit-ready documentation for account adjustments and reporting
• Identify compliance risks and recommend corrective actions
• Analyze portfolio trends and identify areas for operational improvement
• Develop tracking tools and reports to enhance oversight and decision-making
• Support system upgrades, data validation, and servicing transitions as needed

Loan Analyst

Adjuster

• Review and analyze Perkins Loan borrower accounts to identify discrepancies involving principal, interest accrual, late fees, collection costs, and payment applications
• Process complex account adjustments, including: Interest recalculations, Payment reversals and corrections, Deferment and forbearance updates, Loan cancellations (employment-based, military, etc.), Rehabilitation and write-off adjustments
• Ensure all adjustments are fully documented and supported in accordance with federal regulations and institutional audit standards
• Coordinate resolution of account discrepancies with third-party servicers or collection agencies
• Provide Loan Analysts with reconciled borrower-level data and adjustment summaries to enhance cohort, delinquency, and recovery analyses
• Flag systemic issues and data anomalies to inform analysts’ root-cause reviews and modeling assumptions
• Supply timely adjustment evidence and narratives that underpin analysts’ variance analyses and management reporting
• Reconcile the Perkins Loan servicing system to the institution’s general ledger and revolving fund on a monthly and quarterly basis
• Prepare and validate financial reports including: Outstanding principal and accrued interest, Delinquency and default aging reports, Cash receipts and collection activity, Cancellation and rehabilitation activity
• Investigate and resolve variances between servicing reports and accounting systems
• Support year-end close processes and assist in preparation of financial statements and required federal reporting
• Provide documentation and schedules for internal and external audits
• Ensure compliance with Federal Perkins Loan Program regulations and institutional policies
• Monitor account activity to ensure proper billing, collection due diligence, and regulatory timelines are met
• Maintain audit-ready records for all financial transactions and account adjustments
• Identify process weaknesses and recommend improvements to strengthen internal controls and reporting accuracy
• Perform quality reviews of account transactions and portfolio data
• Monitor trends in delinquency, deferment, forbearance, cancellation, and default activity
• Assist with data validation during system upgrades or servicing transitions
• Deliver validated datasets, data dictionaries, and data lineage notes that increase analysts’ confidence in metrics
• Surface data quality findings and trend signals that guide analysts’ segmentation, stratification, and scenario analyses
• Partner on UAT test cases and signoffs to ensure analytical reports remain accurate through system changes

Account Adjuster

Financial Planning and Analysis

• Support Financial Analysis and Bookkeeping
• Provide detailed financial management, analytical, and budgetary support
• Provide program-specific analysis to support budget formulation, budget execution, and financial reporting processes
• Provide simple to moderate level accounting and finance support to various internal departments, including the preparation of forecasts, financial reports, reconciliations, and financial analyses
• Transactional duties include but are not limited to: Prepare, review, and input manual journal entries
• Review and approve general ledger activity for account reconciliations and work papers in support of transactional details
• Ensure financial statements reconcile to accounting systems and subsidiary ledger detail
• Prepare and review monthly billing and vendor transactions for compliance and accuracy
• Provide Accounts Payable and Receivable support
• Support the development of the price component of bids and proposals to include an analysis on the profit and loss
• Reporting duties include but are not limited to: Prepare monthly, quarterly, and annual reports for internal management and operational groups to include revenue and hours reports, hours goals, labor and expense statistics, program expenses, assets, etc.
• Compile various financial data for external customers on an ad hoc basis
• Analyze and prepare data for reporting to Government agencies in support of agency required reports for 8(a), Hubzone, CVE verification, and other
• Forecasting & analytical duties include, but are not limited to: Review financial statements
• Investigate and resolve balance discrepancies and internal inquiries by researching and interpreting general ledger data
• Assist in preparation of forecasts and provide variance analysis of actual performance against Annual Operating Plan (AOP) or Forecasts
• Calculate and validate bill rates for on-going processes and at start of new contract periods
• Assist with budget preparation and financial planning processes
• Assist with budget review for compliance and identification of cost-saving opportunities
• Use, maintain and update a complex Excel tool and other applications used in forecasting and tracking financial results throughout the year to meet budget projections
• Develop accurate and timely monthly reporting to support strategic decision-making based on financial analytics, raising issues and concerns as appropriate
• Prepare reports, tables, and charts that illustrate financial analysis results for assigned projects
• Prepare financial reports by collecting, analyzing, and summarizing account information and trends.
• Verify accounts by reconciling statements and transactions for individual customers.
• Resolve account discrepancies by investigating documentation of commitments, obligations and payments, and adjustments
• Maintain financial security by following internal accounting controls, securing financial information with appropriate backups, and maintaining financial historical records
• Support month-end closing including reconciliation of projects and analysis of monthly financial data
• Produce monthly and quarterly financial analyses and commentary, focusing on proposed actions and recommendations while assessing key performance drivers, risk, and other financial issues
• Assist in the development of corporate financial models and contribute to impactful operational and strategic analysis
• Create ad hoc analyses from data spanning multiple systems
• Deliver analysis on revenue and cost drivers and provide business insight on both results and forward-facing issues impacting performance
• Prepare monthly and quarterly financial reporting data and analysis
• Analyze program financials, including financial and cost forecasting, reporting and analysis, profitability analysis, and working capital analysis (accounts receivable forecasting, treasury forecasting, unbilled analysis, and aged receivables analysis).
• Document workflow and identify process improvements
• Provide Payroll Support
• Reconcile and analyze employee time data
• Perform leave and benefit calculations and related analysis in support of Service Contract Act requirements

Fraud Investigator – IV

Loan Analyst

Account Adjuster

Director of Finance