Jay Kallaher

Email: abqmqn@r.postjobfree.com

Address: **** **** **** ****

City: Cordova

State: TN

Zip: 38018

Country: USA

Phone: 901-***-****

Skill Level: Experienced

Salary Range: $62,000

Willing to Relocate

Primary Skills/Experience:

See Resume

Educational Background:

See Resume

Job History / Details:

James A. Kallaher, Jr. (Jay)

7075 Show Boat Lane

Cordova, Tennessee 38018-2843

901-***-**** Cellular

901-***-**** Home

abqmqn@r.postjobfree.com

EXECUTIVE SUMMARY

* Multiple years of credit risk and financial analysis experience

* Exceptional knowledge of financial analysis that includes the ability to assess historical financial performance, cash flow, industry and competitive analysis and projections

* High level of analytical ability- proven data processing and statistical analysis experience

* Sound experience of working with complex data from multiple sources

* Familiarity with GAAP accounting principles

* Sound logical approach to problem solving in relation to both business and technical issues

* Experience with presenting information to senior management in a clear, concise format

* Easily adaptable to new skills and technologies

* Accustomed to working in teams or independently

* Outstanding oral and written communication skills

PROFESSIONAL EXPERIENCE

TECHNOLOGY PARTNERS - Chesterfield, MO 09/2012 - PRESENT

Contractor, Credit Risk Analyst

Pfizer, Inc., Global Finance Services, Pfizer Animal Health (Zoetis) Credit Risk Management

* Responsible for providing the credit risk support for Pfizer's Animal Health division- now formally called Zoetis

o this division has divested from Pfizer and had become an independent, publicly-traded company

o has approximately 9,000 employees, markets its products in over 120 countries around the world and had revenues of $4.2B as of FYE 2011

* Currently the Credit Risk Analyst responsible for transitioning credit responsibilities to the "new" Zoetis credit staff during the run-up period of Pfizer's divestiture of the Animal Health division

* Responsible for maintaining all credit lines across the entire Animal Health portfolio

* Determine the credit risk classification of all customers within the portfolio

* Provide financial analysis, cash flow analysis and evaluations of financial strength on all current customers, as well as the entities seeking to do business with Pfizer Animal Health/Zoetis

* Perform annual comprehensive cash flow analysis and financial statement analysis of all customers with credit lines $200,000 USD; perform detailed quarterly cash flow analysis and financial statement analysis of all identified high-risk customers

* Provided input pertaining to the credit risk and progression of major/high-risk customers

* Responsible for assigned escalated high-risk accounts, which require the close management of credit exposures

* Experience with performing calculations for ADA (Allowance for Doubtful Accounts) Reserves

* Frequently interface with the senior financial management of Pfizer/Zoetis customers

* Responsible for contributing to the establishment, maintenance and consistent implementation of Pfizer's Credit policies

* Proactively collaborate with Sales to ensure customers' adequate credit line availability

* Interface regularly with AR, Collections and Customer Service

* Credit establishment authority of up to two million dollars ($2.0M)

* Provide analysis support to team members when my responsibilities allow

* Perform special projects as assigned by management

TECHNOLOGY PARTNERS - Chesterfield, MO 02/2011 - 09/2012

Contractor, Credit Risk Analyst

Pfizer, Inc., Global Finance Services, Capsugel Credit Risk Management

* Support the credit risk assessment of both Pfizer's GFS Americas and Capsugel's customer AR portfolio

o the Capsugel division was divested from Pfizer and taken private in October 2012

o this division is now a $1.0B company with approximately 700 U.S. accounts and 60 Latin and South American accounts

* Determine the credit risk classification of all customers within the Capsugel portfolio

* Responsible for establishing and maintaining the customer credit lines across the entire Capsugel portfolio

* Provided financial statement analysis, cash flow analysis and evaluations of overall financial strength on all current customers, as well as the entities seeking to do business with Capsugel

* Performed annual comprehensive financial statement analysis and cash flow analysis on all customers with credit lines $200,000 USD; performed in-depth quarterly financial statement analysis and cash flow analysis of all identified high-risk customers

* Provided input pertaining to the credit risk and progression of major/high-risk customers

* Responsible for assigned escalated high-risk accounts, which require the close management of credit exposures

* Frequently interfaced with senior financial management of Pfizer/Capsugel customers

* Responsible for contributing to the establishment, maintenance and consistent implementation of Capsugel's Credit policies

* Proactively collaborated with Sales to ensure adequate credit line availability for customers

* Credit establishment authority of up to two million dollars ($2.0M)

* Created Excel workbook template that used data from the department's database to provide a clearer "picture" of the customers' financial health

* Previously the Credit Risk Analyst responsible for transitioning credit responsibilities to the new credit staff during Pfizer's divestiture of Capsugel (see attached Recommendation)

* Obtained and entered customer financial information into Global Financial Services' database for the other Credit Analysts in the department; also performed basic financial analysis on these customers to assist my coworkers

* Perform special projects as assigned by management

FIRST TENNESSEE BANK, N. A. - Memphis, TN 10/2008 - 12/2009

Credit Analyst III

Regional Real Estate Finance, Home Builder Finance Group

* Performed analysis (financial, cash flow, credit risk and real estate market trends) relating to the underwriting of new or renewing commercial homebuilder financing (loans/lines of credit)

* Analyzed personal & business financial statements, federal & state income tax returns and credit bureau reports

* Interpreted data for the purposes of determining past financial performance and projecting the future probability of financial default

* Analyzed overall market conditions and demographics of specific real estate market segments for project feasibility and comparisons of existing construction projects

* Drafted and presented formal analysis write-ups to senior management

* Assisted management by providing ad hoc analysis and customer account maintenance, when necessary

* Developed a more efficient methodology for tracking the builders' lot and vertical construction inventories

* Improved skills and knowledge base by attending off-site and web-based Continuing Education classes

* Perform special projects as assigned by management

FIRST HORIZON NATIONAL CORPORATION - Memphis, TN 02/2007 - 10/2008

Financial Analyst II

Asset Quality Reporting and Control - Commercial Credit Department

* Asset Quality Reporting for Senior Corporate Management

o Prepared monthly Non-Accrual/Non-Performing Assets Report (potential troubled loans), which included Impaired Loans > $1.0M; report contained specific performance details and reconciled all of these troubled loan accounts back to the general ledger

o Prepared quarterly Asset Quality Report which assisted corporate senior management in the forecasting of total problem loans, charge-offs and recoveries by business segment and location

* Executive Committee Responsibilities

o Prepared documentation on individual Credits (loans) that were being presented for approval and/or review at the monthly Executive Committee Meeting

* Governmental Agency Reporting

o Prepared the Call Report Schedule RC-N, which was submitted quarterly to the Office of the Comptroller of the Currency (OCC), that detailed the overall asset quality of the corporation as a whole

* Non-Accrual Asset/Substandard Loan Reporting

o Prepared and distributed Potential Non-Accrual Notification documentation to Relationship Managers, which notified them of specific accounts running at least ninety (90) days past due or that showed other factors that denoted potential impairment

o Downgraded delinquent accounts as necessary

o Per corporate policy, I prepared and submitted the required documentation to Loan Operations, which placed non-performing accounts on Non-Accrual status

* Portfolio Reporting for Senior Management

o Prepared Industry and Customer Debt Concentration and Exposure reports on a monthly basis for corporate senior management to evaluate

o Prepared the Counterparty Concentration Report that showed the corporation's total exposure to risk through its lending to other financial institutions

* Responsible for arranging and attending the quarterly and annual Asset Quality Meetings with corporate senior management; was also present to address questions pertaining to the compilation of the final Asset Quality Report or the validity of the projections made therein

* Improved skills and knowledge base by attending off-site and web-based Continuing Education classes and seminars

* Perform special projects as assigned by management

INSOUTH BANK - Memphis, TN 09/2005 - 07/2006

Credit Analyst

Commercial Credit Department

* Performed both financial statement analysis, Federal and/or state income tax analysis, cash flow analysis and credit risk analysis as it pertained to the approval of new or renewing loans or lines of credit (i.e., spreading of borrowers' financial data, identification of pertinent trends, etc)

* Analyzed and interpreted personal and, if necessary, commercial financial data for the purposes of determining past financial performance as well as to project the future probability of default

* Analyzed cash flow & debt-service coverage utilizing tax returns, financial statements and consumer/commercial credit reports

* Performed industry-specific research and analysis

* Reviewed consumer and commercial relationships $250,000 at year-end to ensure covenant compliance

* Monitored and prepared Officer Exception Reports

* Participated in weekly reviews of bank policies and procedures

* Participated in the process of streamlining the Credit Memorandum/Loan Approval procedures

* Attending off-site and web-based Continuing Education classes and seminars

* Perform special projects as assigned by management

DELTA CASKET ENTERPRISES, INC. - Memphis, TN 06/2004 - 07/2005

Financial Analyst / Tax Manager

* Reported directly to the corporate CFO

* Fixed-Asset Accounting/General Ledger, Auditing of Inventory

* Clerical and Bookkeeping:

o Accounts Payable, Accounts Receivable and Notes Receivable analysis and reconciliation

o Cash receipts entry, reconciliation and daily cash deposits

o Customer invoicing

o Payroll preparation, management and garnishments

o Vendor billing, analysis and reconciliation

o Credit card account analysis and reconciliation

* Corporate tax preparation, filing and maintenance (i.e., Multi-State Sales & Use Tax, Business Tax/Licenses, Corporate Personal Property, etc)

o Served as the corporate liaison with local and out-of-state tax agencies and Departments of Revenue (multiple jurisdictions)

o Restructured the Tax Department through the implementation of strict controls; eliminated the interest and penalty disbursements due to prior delinquencies and/or failures to pay

* Corporate fleet fuel consumption analysis

* Customer annual rebate preparation and reconciling

* Management of Distribution Operations (Hub w/ 5 Warehouses)

o Inventory management and logistics, reconciliation and requisition

o Delegated the responsibilities of the hub/warehouse operations while the Operations Manager was reassigned to China for several weeks (3 months after I began employment with this company)

* Perform special projects as assigned by management

PERSONAL LAWN CARE, INC. - Brunswick, TN 06/1999 - 06/2004

Licensed Senior Field Supervisor

* Reported directly to the company vice president/general manager

* Assisted company vice president with ad hoc financial analysis (i.e., pricing structure, capital expenditures, bid proposals, cash flow analysis, etc)

* Supported management in operations and project management, strategic financial and operational planning, inventory procurement and management and employee training, supervision and discipline

* Assisted management in running all day-to-day operations

* Took responsibility for producing necessary feasibility analysis related to any capital expenditures

* Passed the Tennessee Department of Agriculture Commercial Turf and Ornamental Pest Control Operator Licensing Examination, which is legally required to operate this type of business

* Attended off-site Continuing Education, Certification and Licensing classes/seminars in order to keep licensing and certifications current

* In order to complete my undergraduate degree, I worked at this company full-time (days) while attending Christian Brothers University full-time (nights)

SURGICAL TECHNOLOGIES, INC. - Cordova, TN 12/1996 - 06/1999

Independent Contractor, Orthopedic Implant and Trauma Surgical Instrumentation Sales

* Sold both Wright Medical Technologies and Acumed orthopedic implants and trauma surgical instrumentation to trauma centers, hospitals and surgery centers, mainly in the Memphis-Metropolitan area

* Provided technical assistance & guidance to orthopedic surgeons and surgical staff during surgical procedures

* Negotiated contracts & pricing structures for implants and/or instrumentation with senior Purchasing management at the medical facilities I covered

* Managed office and consignment implant/instrumentation inventories for company (Wright Medical) audits

* Audited and maintained consignment inventory held at various locations

* Consistently met or exceeded sales quotas for both Wright Medical and Acumed

* Managed "business" as my own since I was an independent contractor

MED-TEK PHARMACEUTICALS, INC. - Collierville, TN 04/1994 - 10/1996

Pharmaceutical Sales Representative

* Sold prescription and OTC medications to Family Practice, Internal Medicine and Pediatric physicians, as well as local pharmacies within a 100-mile radius of Memphis, Tennessee

* Recommended and implemented strategies for company sales growth

* Negotiated with State health officials in order to get company products included on Medicaid formularies (Arkansas and Mississippi)

* Managed controlled substance (narcotics) inventory for company and DEA audits

EDUCATION

Christian Brothers University, Memphis, Tennessee

Bachelor of Science, Business Administration with concentration in Finance and Economics,

Cum Laude honors (3.26 Cumulative GPA / 3.33 Finance & Economics Core GPA), 2003

State Technical Institute at Memphis, Memphis, Tennessee

Associates of Applied Science, Architectural Engineering Technology, 1993

TECHNICAL EXPERIENCE

* Microsoft-related:

o Microsoft Windows Operating Systems; Windows Server 2003

o Microsoft Office (Word, Excel, Access, Outlook and PowerPoint)

* Project/Job-Specific:

o Bank-Related Applications:

ALS

BRAVO

Credit Risk Grading System (CRGS)

Crystal Reports / InfoView

o Financial Data Spreading Software:

CASH/CASH + TAX

Moody's Financial Analyst

Moody's Decisions

o Miscellaneous:

MS-DOS

FORTRAN

MAS-90 / MAS-200

Citrix

SAP

SAS Enterprise Edition (GUI-Based)

AS/400

RCS

Polaris

Protean

REFERENCES

Available upon your request

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