*** **** **** ******

845-***-****

New York, NY *0036

acpcbd@r.postjobfree.com

RELEVANT EXPERIENCE

Sterne, Agee & Leach, Inc.

New York, NY

Investment Banking Analyst, Financial Institutions Group

November 2014 - Present

. Participated in multiple financial advisory assignments, including buy-

side and sell-side M&A and debt and equity financing

. Perform valuation analyses including discounted cash flow valuation,

public/private company comparables and precedent transaction comparables

. Construct pro forma combined company merger and earnings models on buy-

side and sell-side engagements

. Actively participate in drafting key materials such as fairness opinions,

confidential information memos, term sheets, pitch books,

offering memos, and management and investor presentations

. Work closely with Equity Capital Markets and Debt Capital Markets teams

to fulfill client's capital management needs, evaluate strategic

options, and assess financing alternatives

Selected Transaction Experience:

. Adviser to Salisbury Bancorp on acquisition of Riverside Bank - Total

Deal Value: $28 million

o Performed closing due diligence on the pro-forma balance sheet;

modified Buyer's initial analysis of the Target's

loan and deposit portfolio allowing for more complete

sensitivity analysis, resulting in an accelerated deal close

o Prepared and delivered the Buyer's investor presentation

following deal closing, attracting future investor attention

. Adviser to OceanFirst Financial Corp. on acquisition of Colonial

American Bank - Total Deal Value: $11 million

o Adjusted merger model to account for $2.0 million DTA reversal

at acquisition close, decreasing price per share and

price to tangible book value by nearly 20%

o Aided in preparation of Fairness Opinion; constructed company

overviews, comparable transactions analysis,

5-year earnings model, pro

forma combined financial model, market share and demographic

analysis

. Adviser to Financial Institutions, Inc. on public offering of fixed to

floating rate subordinated notes - Total Deal Value: $40 million

o Announced offering at $35 million; subsequently upsized the

offering to $40 million at 6.00% due to over-subscription

following successful one-day marketing

o Served as sole book-running manager for the transaction;

executed all aspects of the underwriting process

including securing investor interest, soliciting

investment-grade credit ratings, and pricing of the securities

Moody's Corporation, Moody's Investor Service

New York, NY

Associate Analyst, Global Financial Institutions Group

September 2013 -

October 2014

. Administered a variety of ratings for insurance carriers, insurance-

related corporations and their associated transactions including

debt issuances, acquisitions, and other capital management strategies;

assessed credit implications of corporate

restructuring and capital raises for several private-equity-sponsored

leveraged buyouts

. Reconstructed the team's risk-adjusted capital model in order to

accurately assess volatility of unpaid loss reserves and model

economic surplus to account for full risk portfolio

. Published independent, comprehensive research on various topics including

capital modeling, regulatory

developments, reserve adequacy, and competitive landscapes; works have

been cited by various industry publications

. Developed financial forecasting models for stress scenario capital

adequacy, investment portfolio risk, and natural catastrophe exposure

The Travelers Companies, Inc.

Hartford, CT

Market Analyst, Product Management

February 2013 - September 2013

Pricing Analyst, Product Management

June 2012 - February 2013

Leveraged analytics to identify, recommend and implement adjustments to strategies

consistent with profitability and

growth of business objectives; constructed annual forecast models to build, revise and

evaluate objectives

Modeled and implemented risk management systems designed to further forecast, assess, and

balance risk levels as part of multivariate pricing algorithms; developed comprehensive

analytical reports illustrating performance metrics including: Risk balancing, profile mix,

competitive position, loss performance, and lifetime economics

Institutionalized, developed, and maintained tracking for production, profitability and

segment interactions; monitored new product

launches and kept track of competitor performance in order to accurately differentiate the

Travelers value proposition

Utilized actuarial concepts to support rate revisions and find trends and patterns in

internal and market data to determine overall

financial impacts of rate and non-rate underwriting adjustments

EDUCATION

The University of Connecticut - School of Business

Storrs, CT

Bachelor of Science: Major in Finance, Minor in Political Science

May 2012

Cumulative GPA: 3.5/4.0; Major GPA: 3.8/4.0

Dean's List

SUMMARY OF QUALIFICATIONS

Highly extensive knowledge and understanding of the Microsoft Suite and

adaptability of other software systems including SNL Financial, FactSet,

Bloomberg, IntraLinks, @Risk, IBM Cognos, MicroStrategy Systems, Oracle

Product Workbench, Various VBA Applications (Intermediate)

HONORS, AWARDS, LEADERSHIP

New England Scholar Award Winner, Sigma Alpha Lambda National Leadership

and Honors Organization, University of Connecticut Finance Society,

University of Connecticut Multi-Cultural Business Society, Relay for Life,

American Cancer Society

MICHAEL R. MCSHERRY

Contact this candidate