PATRICIA HARRIS GARARD

* **** ***** *-631-***-**** C-631-***-****

Middle Island, NY 11953-1901 yk6hih@r.postjobfree.com

QUALIFICATIONS

A loan portfolio Analyst professional with expertise in Accounting Management, Asset Based Lending and Leasing Financing. Professional expertise is Collateral Valuation analyst limited to All Collateral generating transactions; Scope of analysis includes account receivables, payables A/R & A/P aging, inventories, equipment, accruals and budget variances. Experienced in Global Market treasury Services scope of analysis includes FX, Libor’s, LC’s and Swaps, Royalty Accounting. Fosters work and learning environments that value and promote diverse and effective work teams with professional studies in Business Management and Human Resources. A Trained Product Owner for Development of systems for the global markets. Thriving in a demanding, high-pressured environments; capitalizing on change. Experiences include Collections, Non-Profit Accounting. Proficient in Lease Plus, SAP Crystal Reports, ABLE Loan Accounting System, STARS, Stucky, ACBS, Midas and Loan IQ Systems. Case Management Skills, Excel, Access and PowerPoint.

PROFESSIONAL EXPERIENCE

Capital One Bank NY 11747 (Temporary Position) May 2012- June 15, 2012

Equipment Finance Dept. (Red Wood Global Partner Group)

• Lock Box Posing Reconciliation

• Posted ACH and Wire Payments

• Posted Quick Pay Payments

• Multiple Check Postings

• Returned Check Processing

• Reconciliations check processing

• Monthly Ad Hoc Repotting

• Read Lease Documents to process payoffs

FIS International Systems NYC, NY 10017 January 2012- March 2012

Product Owner Contracted Worker (K-Force) ACBS Development

• Commercial Ops Lending Asset Based Lending Specialist for ACBS Project

• Made business decisions and clearly communicated requirements through epics and stories so they are understood.

• Created, maintained, prioritized, and sequenced the product backlog based on business value

• Created user stories and acceptance tests from themes and features granular enough for a single sprint.

• Prioritized user stories by business value. Decided which user stories are scheduled into sprints.

• Provided rapid feedback, participated in project planning and daily stand-up meetings scrums

• Reviewed demos retrospective, release planning demos and other scrum related meetings

• Required to maintain current knowledge of all policies and procedures related to lending, credit rating and problem loan monitoring.

• Prepared daily and ad-hoc reports

Dream Cleaning Service, Islandia, NY 11749 September 2009-Present

Independent Contracted Accounting Services

• Prepare journal entries for monthly and quarterly accruals, deferrals, reserves and cash receipts

• Prepare quarterly detailed analysis of customer activity including profit/loss analysis, balance sheet reviews and ad hoc analysis as required by the CEO

• Analyze cash flow information and prepare a rolling cash flow forecast

• Review, analyze and test proposed changes in general ledger processes, enhancements to sales order systems

BNP Paribas, Jersey City, NJ 2007-2009

Team Leader Collateral Loan Administrator Analyst (Commercial Lending Services)

PATRICIA HARRIS GARARD PAGE TWO

PROFESSIONAL EXPERIENCE (Continued)

• Assisted in the planning and preparation prior to the start of credit reviews.

• Created and implemented internal controls which enhanced loan administration processing procedures using Excel models that automated and enhance investment reporting process. Resulted in reduction of reconciling errors and processing time by 50%

• Reviewed structure of loans and other types of credit facilities, financial performance of borrower &or guarantor, economic and industry operating environment as well as other relevant credit risk factors

• Read and interpreted complex legal loan documentation, for accuracy of daily trade settlements

• Established performance objectives for staff which promoted compliance with business objectives

• Reviewed and finalized loan administrators system data input to ensure accuracy of customer information

• Monitored secured and unsecured lines of payment credits for syndicated deals

• Investigated and resolved loan administration inquiries for agents and direct customers as needed

• Facilitated Portfolio Managers by providing administrative and analytical support, including completing required paperwork, updating databases and conducting research and test projects

• Prepared and reviewed monthly and quarterly account, reconciliations and account closings

• Provided input in the analysis of revenues and expenditures

• Prepare daily and ad-hoc reports

• Prepared and analyzed Teams Collections

• Required to maintain current knowledge of all policies and procedures related to lending, credit rating and problem loan monitoring.

• Assessed accuracy of risk based on credit related procedures and recommend rating changes, if necessary.

• Quarterly analysis and accounting for revenue, expenses, fees including variance analysis, etc

Laurus Funds, New York, NY 2006-2007

Senior Credit Collateral Loan Portfolio Administrator Analyst (Asset Based Lending Operations)

• Reviewed of financial statements analyzed companies SEC 10-Q and 10-K reports

• Investigated and resolved all back-office inquiries and issues.

• Prepared quarterly and monthly financial analysis prepared for loan officers and operation managers approval

• Analyzed Companies P&L, Balance Sheet,Inventory and Capital Expenditures for maintaining Commercial Credit Lines

• Assist in the planning and preparation prior to the start of credit reviews, as directed.

• Tracked Stocks securities

• Review structure of loans and other types of credit facilities, financial performance of borrower &or guarantor, economic and industry operating environment as well as other relevant credit risk factors.

• Monitored collateral for approved secured lines of credit for accounts receivable, inventory and syndications.

• Identified deficiencies in credit processes; established new reserves for secured collateral.

• Provided oversight for syndicated deals, Off Shore processing

• Analyzed and interpreted Financials, cash flow analysis, inventory analysis, A/R reserves and trend analysis

• Prepared and reviews monthly and quarterly account, reconciliations and account closings, current accounts

• Provides analysis and accounting for revenue, expenses, fees, etc

• Analyzed and processed day-to-day transactions, including wire transfers, advances on collateral and incoming cash flow, libor pricing, trade break resolution

• Required to maintain current knowledge of all policies and procedures related to lending, credit rating and problem loan monitoring.

• Maintained current knowledge of developments in the industry and regulatory environment. Keep abreast of topical issues and new or pending laws/regulations that may affect banking, in general and credit review, directly.

• Created Revenue forecast from Compiled clients data

PATRICIA HARRIS GARARD PAGE THREE

PROFESSIONAL EXPERIENCE (Continued)

Webster Bank, State Street, NY 9/2005-6/2006

Senior Credit Analyst (Asset Based Lending Operations)

• Monitored collateral for approved secured lines of credit for accounts receivable, traded settlements

• Communicated with clients to provide ongoing status updates and gathered information to

• Monitored syndicated lines, Buybacks, FX Trades, Libors, Swaps, trade break resolution

JP Morgan Chase, Melville, New York 1989-2005

AVP Account Services Loan Portfolio Collateral Administrator Manager (Asset Based Lending Operations)

• Raised/Increased staff knowledge and understanding of Asset Based Lending loan Portfolio administration through ongoing training and development for new and existing staff

• Initiated improved funds transfer agreement compliance procedures

• Ensured adherence to all legal, regulatory, and bank guidelines; monitored customer exposure and compliance

• Developed Risk Assessment, implement, and oversaw internal compliance for Asset Based Clients

• Reviewed structure of loans and other types of credit facilities, financial performance of borrower &or guarantor, economic and industry operating environment as well as other relevant credit risk factors

• Required to maintain current knowledge of all policies and procedures related to lending, credit rating and problem loan monitoring.

• Maintained current knowledge of developments in the industry and regulatory environment. Keep abreast of topical issues and new or pending laws/regulations that may affect banking, in general and credit review, directly

• Served as Liaison for additional point of contact to clients as well as syndication contacts

• Achieved resolution to customer and management inquiries and issues

• Analyzed Companies P&L, Balance Sheet,Inventory and Capital Expenditures for maintaining Commercial Credit Lines

• Investigated and resolved all back-office inquiries and issues typically handled by portfolio manager

• Read and interpret complex legal loan documentation

• Facilitated Portfolio Managers by providing administrative and analytical support, including

completing required paperwork, updating databases, conducting research projects

• Assisted in BUC analysis of revenues and expenditures

• Prepared and reviewed Business Unit Cost or BAC monthly and quarterly accounts, reconciliations and account closings, current

accounts

• Provided analysis and accounting for revenue, expenses, fees, etc.

• Created BUC Budgeting

• Analyzed BUC Revenue Expenditures

AVP Account Services Loan Portfolio Collateral Administrator Manager (Asset Based Lending Operations)

• Raised/Increased staff knowledge and understanding of Asset Based Lending loan Portfolio administration through ongoing training and development for new and existing staff

• Initiated improved funds transfer agreement compliance procedures

• Ensured adherence to all legal, regulatory, and bank guidelines; monitored customer exposure and compliance

• Developed Risk Assessment, implement, and oversaw internal compliance for Asset Based Clients

Reviewed structure of loans and other types of credit facilities, financial performance of borrower &or guarantor

PATRICIA HARRIS GARARD PAGE FOUR

PROFESSIONAL EXPERIENCE (Continued)

• Required to maintain current knowledge of all policies and procedures related to lending, credit rating and problem loan monitoring.

• Maintained current knowledge of developments in the industry and regulatory environment. Keep abreast of topical issues and new or pending laws/regulations that may affect banking, in general and credit review, directly

• Served as Liaison for additional point of contact to clients as well as syndication contacts

• Achieved resolution to customer and management inquiries and issues

• Analyzed Companies P&L, Balance Sheet,Inventory and Capital Expenditures for maintaining Commercial Credit Lines

• Investigated and resolved all back-office inquiries and issues typically handled by portfolio manager

• Read and interpret complex legal loan documentation

• Facilitated Portfolio Managers by providing administrative and analytical support, including

completing required paperwork, updating databases, conducting research projects

• Assisted in BUC analysis of revenues and expenditures

• Prepared and reviewed Business Unit Cost or BAC monthly and quarterly accounts, reconciliations and account closings, current

accounts

• Provided analysis and accounting for revenue, expenses, fees, etc.

• Created BUC Budgeting

• Analyzed BUC Revenue Expenditures

• Created and launched strategies and tactics for training and attainment of departmental goals

• Developed BUC revenue forecasting from compiled clients data

Promoted 1998 to Assistant Vice President of Operations

Senior Loan Administrator Account Manager

• Communicated with clients to provide ongoing status updates and gather information

• Monitored collateral for approved secured lines of credit for accounts receivable, trade settlements

• Analyzed revenues and expenditures

• Monitored syndicated lines, Buybacks, FX Trades, Libors, Swaps, trade break resolution

• Reviewed and evaluated client account status each month; established new reserves for secured collateral

Promoted 1995 to Assistant Treasurer of Operations

• Developed BUC revenue forecasting from compiled clients data

Promoted 1998 to Assistant Vice President of Operations

Senior Loan Administrator Account Manager

• Communicated with clients to provide ongoing status updates and gather information

• Monitored collateral for approved secured lines of credit for accounts receivable, trade settlements

• Analyzed revenues and expenditures

• Monitored syndicated lines, Buybacks, FX Trades, Libors, Swaps, trade break resolution

PATRICIA HARRIS GARARD PAGE FIVE

PROFESSIONAL EXPERIENCE (Continued)

• Reviewed and evaluated client account status each month; established new reserves for secured collateral

Promoted 1995 to Assistant Treasurer of Operations

EDUCATION

Unlimited Possibilities

CASAC Certification Training, May 2011

AIU University, Chicago, Illinois

MBA in Business Management, Concentration Human Resource Management 2005

Villanova University, Philadelphia, PA

Certificate in Human Resource Management 2004

SUNY at Old Westbury, Old Westbury NY

B.S. in Business Management, Concentration Accounting 2002

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