NICK KAZAKOV 9191 S Morning View Dr, Sandy, UT 84094 (801)-949-9164 nick.kazakov@spservicing.com nk12be108@westpost.

net Objectives Motivated achiever is seeking a full time intermediate finance/economics analyst position in a progressive company to utilize experience and skills. Strong int erests and ability in researching, analyzing and managing financial data with de monstration of crystal clear, accurate reporting and possessing advanced Microso ft Excel skills essential - Lookups, Pivot Table and Graphs. Desire to learn an d continue pursue constantly changing industry with emphasis in financial modeli ng, forecasting, budgeting and opportunity to interface with various levels of p rofessionals throughout the company. Education BACHELOR OF SCIENCE IN ECONOMICS MINOR IN BUSINESS University of Utah May 2007 BACHELOR OF SCIENCE IN MECHANICAL ENGINEERING Mari State Technical University, Russia, Undergraduate (1998 - 2001) Work Experience: Investor Reporting Analyst Select Portfolio Servicing, 03/01/2007- Current Reporting and remitting to leading financial institutions/investors/trustees (Cr edit Swiss, Wells Fargo, Deutsche Bank, US Bank, Aurora Loan Services) on large portfolio of mortgage backed securities Create analysis of data to evaluate strategy and financial or operational perfor mance, or to assess resource requirements Integrate data to answer questions and provide insights regarding past performan ce or future planning using Excel Macro Commands, SQL queries or necessary syste m reports/applications. Prepare allocation of funds spreadsheet and validates monthly remittance amounts . This involves reviewing the loan servicing system application of funds for acc uracy, ensuring the accuracy of the bank accounts and reports before transmittin g to the bank. Understand and interpret pooling and servicing agreements (PSA), Sale and Servic ing Agreements (SSA), Loan Modification Agreements and Sub-Agreements, as applic able to determine specific portfolio reporting and remittance requirements and m aintain these in an Excel Portfolio File. Calculate disposition/service fee(s) and interest excess/shortage on loans that prepay/delinquent according to particular scenario/status and verify the accurac y on the monthly Pool Remittance reports. Accurate preparation of wires and daily custodial funds movements using Access D atabase Monitor calculation and reporting of Realized Losses, Appraisal Reductions Amoun ts (ARA) , Net Present Value (NPV),Department of Housing & Urban Development Agr eements (HUD) to investors Managing and controlling wire submission deadlines throughout Investor Reporting Department using Microsoft Outlook Task features Communicate with trustees and/or analyst(s) regarding remittance amounts, portfo

lio performance and classification of applied payments Participate in team development and team building Ability to accurately review data and financial statement information with minim al supervision Special projects as required Customer Representative First Electronic Bank, 10/01/2005 - 03/01/2007 Provide superior customer service to customers and employees. Interpret and explain bank charges, policies, procedures, special programs, rate s and initiates appropriate transactions to satisfy customer requests. Resolve problems involving customers' statement fees, payments and other service -related problems by accepting requests and accurately completing necessary pape rwork within established guidelines. Notates any action or situation on the sys tem. Responsible for making decisions within bank and department guidelines using exp erience and training to exercise discretion in resolving problems. Maintain a wo rking knowledge of both State and Federal bank regulations such as Equal Credit Opportunity Act, Truth in Lending Act, Community Reinvestment Act, Real State Se ttlement Procedure Act, Fair Credit Reporting Act, Fair Debt Collections Act, in relation to credit granting. Audit work produced and calls taken and provides reports about results. Respond to and resolve service inquiries received via telephone and/or mail or e mail according to established procedures and standards and service quality focus as required maintaining service and response levels. Student Assistant Economics Department, Salt Lake Community College, 08/01/2004 - 05/01/2005 Administrative and clerical support assignments to facilitate the work of the of fice. Performing word processing actions such as editing and reformatting electronic d rafts of reports, or other documents. Using database, spreadsheets, and/or graphic software applications to accomplish task (position requires the incumbent to type 40 wpm). Prepare and/or verifying the validity of documents with the organization is conc erned. Maintain records; receiving, screening, reviewing, and verifying documents; sear ching and compiling information and data. Research Intern / Individual Project Problems of Development in Socialist Economies Economics department, University of Utah, May 2006 Conduct research of transition economies in Central, Eastern Europe Collect and analyze historical data to generate a report identifying problems of growth and stability in post communists economies Develop forecast of inflation and unemployment dynamic relationships with applyi ng concepts of microeconomics, macroeconomics, statistics and probability theory

Skills: Strong background in economic theory, mathematics and statistics Computer knowledge/ experience with WordPerfect, Microsoft Word, Excel (includin g pivot tables, VLOOKUP, SUMIF), SQL, Query Analyzer, Power Point, Minitab, Inte rnet, Acrobat Reader, Outlook Express, Fiserve, LPS, Fidelity, Ceridian, New Ima ge Excellent organizational skills, efficiently handling multiple tasks and deadlin es Understanding of credit bureau reports and applications Knowledgeable in the process of lending & legal requirement in accordance of fed eral regulations Strong background in mortgage processes and procedures relative to cash processi ng and overall money flow. Effective written and verbal communication skills, as well as a high degree of a nalytical skills Self-starter personality, innovative and results-oriented achieve 8 years' successful experience in customer service and support with recognized s trengths in problem-solving, trouble-shooting, financial analysis and multi - ta sking Bilingual in Russian