To Whom It May Concern:
I have been looking for a dynamic and challenging management position where
I can continue a positive career path in Accounting / Financial Analysis;
share my experience and skills while meeting company objectives. This,
together with an eagerness to continue my professional growing motivated me
to enclose my resume for your consideration.
I am a highly experienced Certified Public Accountant with a strong record
of achievement in management, accounting and financial analysis. My record
demonstrates an expertise employing accounting principals, financial
analysis, data mining and leadership, which have positively affected
organizational culture to improve product quality, operation processes, and
business profitability. I offer sixteen years of experience at technical
and management level, an exceptional academic background and a proven track
record of solid performance in accounting and financial analysis.
My professional success stems from obtaining maximum quality performance
from collaborators at all levels, my strong commitment to the company's
goals as well as my own, the sense of professionalism, excellent
interpersonal relations, and a teamwork philosophy. I maintain high work
standards and have an excellent record in on-time work delivery.
A meeting in which we could discuss my enclosed qualifications and how they
may service your current needs would be appreciated. You may reach me at
the phone numbers listed above to arrange an interview.
Cordially,
Juan J. Valent n Nazario, CPA
Enclosure
Objective: Leadership role in accounting or financial analysis
Overview
Work Experience
Assistant Vice President-Assets/Liability Management Function
1/2008 - Present Westernbank of Puerto Rico (WHI), San Juan, PR
- Part of the Bank's Assets/Liability Management. Responsible for data mining and
data mapping, financial analysis, reports development, reconciliation of all
financial data and risk modeling, including interest rate and market sensitivity,
and economic value of equity. Assisted in Budget modeling and reporting structure
for all business units of the bank.
- Key player in Sendero AL dimension structure design, conversion and
implementation, including the design of data structure, mapping, and analysis.
Also responsible for the design and use of import layout and files used to extract
data from the loan, deposits and investment servicing applications, such as TPG
Portfolio Genius, CLCS, Stucky ABL and Fiserv SNA.
- Coordinate effort to answer the 2007 FDIC Joint Report of Examination and to
correct all mayor findings.
Assistant Vice President-Small Consumer Loan Division
2/2007 - 12/2007 Westernbank of Puerto Rico (WHI), San Juan, PR
- Responsible for the day to day management and supervision of 11 branches,
including personnel management, business strategic implementation, and goals and
budget follow up.
- Responsible for the division's financial analysis functions, including
preparation of annual budget and development of financial and operational reports.
- Responsible for the data mining and data analysis need for the preparation of
all Division's operational and financial reports. Also supervise the employee
responsible to preparation of daily operational reports.
- Responsible for the supervision credit insurance function.
- Direct Supervision includes 11 branch manager, an administrative assistant and
an office clerk. Indirect supervision includes a total of 80 employees.
Assistant Vice President-Small Consumer Loan Division
12/2005 - 2/2007 Westernbank of Puerto Rico (WHI), San Juan, Puerto Rico
- Same mayor responsibilities as in prior position, plus the responsibility of
analyzing, developing, implementing and marketing of new business opportunities.
- Responsible for the supervision credit insurance function.
- Participated in a team responsible for the banks overall analysis of operations.
Mayor responsibly during the project was to coordinated data mining and
information analysis, make financial analysis, and perform interviews with
employees.
Accounting and System Manager-Small Consumer Loan Division
7/2002 - 12/2005 Expre$$o de Westernbank,, San Juan, Puerto Rico
- Serve as liaison between the Division and both Accounting and IT Departments.
- Responsible for the division's budget preparation, and financial analysis.
- Responsible for the monthly credit insurance sales and payments reconciliation,
supervise credit insurance claims, and posting of payment to the individual
costumer accounts.
- Design and development of all the operational and financial reports. As well as
the data mining and analysis to be used in the reporting process.
- Participated in the design, development, implementation and ongoing upgrade of
an Automated Loan Application System. These applications save the bank thousands
of dollars in labor hours and information gathering.
- As a self initiative, designed and developed an application in Microsoft Access
and Visual Basic for Application. The date base was used in the preparation, and
distribution via email of daily branch operation results. This application
reduced the required time of preparation of daily reports by 87%, and increased
the availability of additional information for the decision making process to both
branch manager and Division's senior management. The applications distributed up
to 4 different reports and sent automated emails to 30 users. This application was
later used as a model to implement similar reporting process at other department.
- Responsible for the supervision credit insurance function.
Accounting Supervisor
11/1999 - 7/2002 CommoLoCo, Inc., Subsidiary of American General Finance, San
Juan, Puerto Rico
- Responsible for the supervision of accounts playable, bankruptcy payment posting
and insurance payment posting. Responsible for other miscellaneous administrative
duties.
- Responsible for the data mining and analysis need to assist senior management in
the decision making process
- Serve as liaison to Accounting department, Collection/Recovery Department and
other departments at headquarters in Evansville, IN.
Accounting Manager
8/1997 - 11/1999 CommoLoCo, Inc., Subsidiary of American General Finance, San
Juan, Puerto Rico
- Manage the corporate accounting functions, (A/P, G/L, Fixed Assets, Bank
Reconciliation, Taxes, Branch Accounting and Cash Management, External and
Internal Reporting).
- Responsible of comptroller duties on his absent.
- Responsible for data mining and data analysis, need in the accounting process.
- Responsible for the supervision of all accounting department employees.
- Assist on budget preparation.
- Coordinated the data conversion and consolidation of the accounting system with
AGF accounting department.
Senior Accountant
1/1997 - 8/1997 CommoLoCo, Inc., Subsidiary of American General Finance, San
Juan, Puerto Rico
- Supervise the general and subsidiary ledger function, preparation of month-end
and year-end financial reports, prepare working paper for all tax filing (PR & US
Virgin Island) and for the external audit, comply with financial reporting to the
government agencies. Supervision of 2 accountants.
- Responsible for data mining and data analysis, need in the accounting process
and cash management.
- Hard work and total commitment to my position and the company earned me the
confidence of the comptroller. I was able to release him from certain time
consuming task, which allowed him to concentrate in other mayor issues. Example
of such task was the month-end preparation and reporting of the financial
statements, which he did by himself for more than 10 years.
Accountant
11/1994 - 1/1997 CommoLoCo, Inc., Subsidiary of American General Finance, San
Juan, Puerto Rico
- In charge of general and subsidiary ledger reconciliation, keep track of all
bank accounts to assets the cash needs and assists the Comptroller in the
preparation of Monthly Financial Statement.
- 1995 Employee of the Year
- Monthly closing procedures were time consuming and labor intensive. The process
left almost no time for last minute account analysis or adjustment. Through a
thorough analysis I was able to identify improvement opportunities that did not
required additional monetary investment. Using simple spreadsheet tools and
electronic text formats, I was able to reduce by 80% the time required. This
result in a cost reduction of more than $10,000 a year.
- Designed and developed an Automate Cash Management Application on Excel. This
application identified individual branch cash needs and prepared Fund Transfer
Request.
Payroll Clerk
2/1994 - 11/1994 CommoLoCo, Inc., Subsidiary of American General Finance, San
Juan, Puerto Rico
- Responsible for the preparation of payroll reports, time cards calculation for
PR and USVI, monthly payment of state and federal tax withholding.
Education
B.B.A.-Major in Industrial Management
Politechnic University of Puerto Rico, San Juan, Puerto Rico
Magna Cum Laude; GPA: 3.70
Affiliations
Puerto Rico Society of Certified Public Accountant
Skills
Skill Name Skill Level Last Used/Experience
Computer literate Expert Currently used/20
Peachtree Expert Currently used/8
Microsoft Access Expert Currently used/8
Excel Expert Currently used/14
Monarch Pro Expert Currently used/2
Visual Basic for Beginner Currently used/2
Application
Visual Fox Pro Beginner Currently used/7
Sendero AL-DMS Beginner Currently used/2
MS Office Expert Currently used/10
Windows XP Expert Currently used/4
Languages
English Fluent - Full Knowledge Second Langues
Spanish Fluent - Full Knowledge First Languages