Certification of Employment and Duties

This letter certifies that Mr. Example Name has been employed as a full-time permanent Accountant at Capkon Home Loans since May 15th, 2016. His duties and responsibilities include accounting, documentation, order verification, reviewing legal documents, preparing loan closure documents, and more. He is highly respected and liked by the management team and colleagues for his honesty, hardworking nature, and enthusiasm.

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RE: TO WHOM IT MAY CONCERN
It is my pleasure to certify that [Mr. Example Name] commenced his employment with Capkon
Home Loans on [May 15th, 2016] and till now he is working as a full-time permanent Accountant
in the company. He worked for the company for a time duration of eight hours for each day
every week consisting of five working days. He receives his payment on a monthly basis and
the “Pay As You Go” withholding tax is deducted from his monthly payments.
Capkon is an Australia based firm that was established in the year 2009 by Dr. Kiran Thapa for
providing home loan related specialist advises on Home Loans and Property Investments in
Australia. The industry experience, strategic thinking, and academic qualifications have made
us renowned and distinct from other Australia based home loan and property investment related
service providers. Our expertise has allowed us to tailor appropriate solutions for our clients
whenever required.
During the past eight years, Capkon has received national-level recognition from several
boards. In 2016, Capkon was awarded “VOW Financial Pinnacle Broker of the Year Altitude
Awards” and also got listed into prestigious “Top 100 MPA Brokers” of 2017.
Duties and Major Responsibilities of [Mr. Example Name] as an accountant in the firm are
provided below:
Accounting:
 Documentation, and processing of home loan and mortgage applications and mortgage
applications
 Order verifications for credit and services from 3rd party
 Reviewing the legal documents associated with post-closing and monitoring payment
receipts
 Following up for missing documentations
 Verifies mortgage loan applications and for completeness along with accuracy verifies
supporting applications
 Preparing and compiling loan closure documents

 Preparing and reviewing Regulation Z disclosures, TRID Disclosures, and other legal
and procedural disclosures needed by the regulations made for consumers
 Scheduling and coordinating all closings of the loan, along with delivering disbursement
that arises from loan proceeds in full
 Preparing records related to accounting, reporting on the same and compliance, as
asked by the management as well as other regulatory agencies
 Performing regular loan calculation and maintaining internal control
 Assisting the customers by answering their moderate to complex queries
 Conducting and reviewing due diligence associated with legal agreements on pre-
closing loans, post-closing loans, or total loans along with other documents related with
loan closure and loan commitment.
 Maintaining currency during the processing of loan
 Complying with company policies, and procedures on mortgage and loan
 Providing approval and review of the title insurance
 Preparing and delivering initial as well as final loan closure documents within the
stipulated time
 Answering phone calls related with mortgage closing process
 Maintaining contact with the title companies for resolving issues and coordinating
closings
 Complying with GAAP (generally accepted accounting principles) principles, industry
practices along with regulations made by the federal government
Personnel:
 Handling of personnel files related to mortgage work
 Maintaining records and keeping documentation of accounting entries
 Managing and reporting on team entitlements.
 Keeping records and producing expenses related with mortgage accounting
 Ensuring compliance with internal auditors and report presentation
Leadership:
 Mortgage-related projections
 Analysis of client data and information
 Monitoring mortgage-related financial activities
Team:

 Honest and hardworking
 Positive mind set and supportive
 Monitoring insolvency related problems of clients
Other:
 Funding all types of indirect contracts
 Assisting Indirect Mortgage Dealers
 Filing, pulling titles/files
 Working in collaboration with other departments
 Playing a role in managing stakeholders
 Making corrections on payment along with preparing lien releases
From the very beginning of his employment, [Mr. Example Name] has delivered his excellence
in accounting related to the mortgage and in advising clients on mortgage loans. He has proven
himself essential for the firm. He is highly respected and liked by the Capkon’s management
team and his colleagues. As an employee, he is highly reliable and able to face all kinds of
obstacles. His honesty, hard-working nature, and enthusiasm make him distinct from others.
If you wish to discuss or get further information about [Mr. Example Name]'s work efficiency,
and character, they are free to contact me.
Yours sincerely,
…………………………………….
(Signature)
Name of the Signee:
Designation:
Capkon Home Loans, Australia