Wesley J. McKnight

Denver. CO 972-***-**** abl43u@r.postjobfree.com

Professional Profile

Financial Analyst with MBA from top-10 business school and diverse

experience increasing profits through risk management, lending strategy and

sales management. Proven team leadership and customer development.

Reputation for adapting to changing environments while innovating process

improvements, using exceptional analytical abilities. Areas of expertise:

Financial Statements Financial Statement Acquisitions

Analysis Reconciliation

Cash Flow Analysis Variance Review Risk Management / Workout

Loans

Underwriting Loans Year-end Entry Forecasting

Posting/Adjusting

Perfection of Security Loan Pricing Credit Analysis

Green Belt Certified Excellent Presentation Sarbanes-Oxley (SOX)

Skills

Key Accomplishments

. Generated 5.2% Return on Equity (ROE) for $600 million loan portfolio,

despite corporate debt rating of Ba2 (below investment grade / Junk),

through analysis including ad hoc reports to forecast profitability and

liquidation trends, and preparing and presenting pricing using Excel

models that included (ROE), Internal Rate of Return (IRR).

. Decreased credit file preparation time 30% by launching proprietary

software "GLAS" Global Lending Analysis System that included testing

output and providing feedback to programmers.

. Presented value proposition that generated $1.3 million in profits by

acquiring $60.0 million in loan commitments.

. Reduced loss to receivables (LTR) from 1.20% to 0.98% by analyzing

historical liquidation trends and modifying risk model.

. Received national recognition for developing sales incentives which led

to $4.0 million in incremental retail contract outstandings.

Professional Experience

EFG Companies

Business Development Analyst Irving, TX September 2009 - Present

Developed effective financial reporting and provide financial analysis,

budgeting and high-level recommendations on Customer Relationship

Management (CRM), proprietary products and services, sales staff

operations, and marketing.

. Perform analysis of proprietary product and services and implement

optimization measures. Provide financial recommendations to executive

staff and strategic leadership to sales staff.

. Development of Customer Relationship Management (CRM) system customized

to unique needs of the company, creating interfaces for sales staff which

enable effective development of client portfolios.

. Provide IT with direction by identifying data relationships stored in

multiple systems and databases, facilitating deployment of business

solutions.

. Test accuracy of data extracted using SQL by utilizing cubes in Excel to

create custom reports, for Board of Directors.

. Provide recommendations to sales, including revenue and volume reports,

that help to facilitate innovative product offerings to meet client

needs.

Ford Motor Credit Company 2000 - 2009

Dealer Credit Specialist / Risk Management Irving, TX 2007 - 2009

Reviewed all commitments for dealers located in three states, including

launching proprietary financial software and mentoring Dealer Credit

Analyst.

. Mentored Dealer Credit Analyst to: analyze financial statements (CPA, tax

returns, direct financial statements) using general ledgers and trial

balances; review variances and document explanations; post adjusting

entries; prepare cash flow statements; analyze debt / liquidity ratios;

and review loan conveyances.

. Developed and reviewed monthly watch reports and dash boards on high-risk

borrowers and formulated action plans with Field Operations, Wholesale

and Legal to limit risk.

. Mitigated potential losses by reviewing and taking appropriate action

for past-due accounts receivable (A/R), wholesale and loan payments, as

well as monitoring loan covenants which included preparing forbearance

agreements.

. Facilitated transition of localized functions from branch level to

regional level during corporate restructure.

Wesley J. McKnight

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Regional Credit Analyst / Financial Analyst Plano, TX 2006 -2007

Managed 78 dealerships accounts covering four states, with commitments

between $10.0 million and $150.0 million. Reviewed credit-package

proposals and existing commitments up for renewal and proposing new

commitments, which included construction loans, mortgage loans, capital

loans, revolving lines of credit and inventory commitments (wholesale).

. Evaluated risk by reviewing and presenting credit packages to Executive

Committee with recommended action plans.

. Developed relationships with CPAs representing dealerships to reconcile

financial statements.

. Reviewed variances and document explanations for significant items, which

included posting entries.

. Mentored and conducted training with credit analyst in branches to

adequately assess risk, which resulted in no major adverse findings from

internal audits.

Dealer Account Manager / Sales Omaha, NE 2005 -2006

Managed 22 dealership accounts with commitments of $625.0 million,

covering three states. Developed relationships, marketing campaigns,

inventory control, sales incentives and provided on-site loss control.

. Trained F&I managers at dealerships on menu selling of secondary products

provided by Ford Motor Credit (guaranteed auto protection, extended

service plan warranties, Wearcare) which increased branch profit by

$188,000 year-over-year.

. Developed individual marketing promotions, resulting in increased sales

for dealership and increased receivables.

. Developed branch business plan by completing market analysis, profit

forecast, and organizational structure.

. Facilitated new franchise entity start-ups and acquisitions, which led to

additional receivables.

Financial Services Supervisor Omaha, NE 2004 -2005

Managed a staff of 10 which included Credit Analysts, Discounters and

Wholesale Representatives, ensuring purchase policy adherence, credit

package review, state / federal lending regulation compliance and

wholesale functions.

. Developed and implemented new purchase policy, which was instrumental

branch realizing profit for first time in three years, within 12 months

after purchase policy implementation.

. Implemented collateral review standards for retail and lease purchases,

with standards adopted region-wide, which led to lower credit losses.

. Solved staff problems involving organizational conflicts and individual

growth concerns by demonstrating leadership, flexibility and exceptional

communication skills.

Wholesale Supervisor Wichita, KS 2002 - 2003

Managed staff of five engaged in A/R, billing, auditing and disbursements.

Built dealer relationship, approved vehicle floorings, approved

disbursements, and scheduled and reviewed wholesale audits.

. Maintained bank account controls that included authorized signatures,

with no comments noted from internal audits.

. Managed branch sweep account, which included investigating out-of-balance

items, leading to no comments being noted from internal audits for aged

out of balance items.

. Filed, reviewed and maintained priority position for Uniform Commercial

Code (UCC) to secure assets in the event of default.

Dealer Credit Analyst Wichita, KS 2000 -2002

Reviewed commercial and consumer credit applications for the state of

Kansas. Built relationships with Finance and Insurance Managers, resolved

contract discrepancies and resolved dealer proceeds withheld

discrepancies.

. Analyzed consumer credit by reviewing Equifax, Experian and Trans Union

credit bureaus. Analyzed commercial credit by utilizing Dun & Bradstreet

and reviewing financial statements.

. Analyzed first payment default trends and implemented purchasing criteria

to reduce credit losses while obtaining Six Sigma Green Belt

certification.

Collections / Fairlane Credit, the sub-prime unit of Ford Credit

Colorado Springs, CO 2000 -2000

Cornerstone Financial Group

Loan Officer Colorado Springs, CO 1999 -2000

Education

Southern Methodist University, Cox School of Business

Master of Business Administration, Dallas, Texas, GPA 3.7, 2009

Colorado State University

Bachelor of Science, Business Administration, Pueblo, Colorado, 1999

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