Michael E. Dumas

**** ******** ***** **** ( Cordova, TN 38016-9616 ( Tele: 901-***-****

( Cell: 901-***-**** abinjz@r.postjobfree.com

Summary and Qualifications Profile

< Financial Analyst and Consultant with seasoned experience in

accounting (GAAP), financial analysis, planning, budgeting, variance

analysis, predictive modeling, sensitivity analysis, M&A, financing,

restructuring, ROI capital analysis, solving business problems, and

providing advisory services for large corporations.

< Skills: Excel (advanced with VBA), Financial Modeling Languages,

Access, SQL, Relational DBMS Systems, Business Intelligence Systems,

Accounting Systems, Statistical Systems, Project Management Systems,

Microsoft Office (Word, PowerPoint, Excel, Outlook, Publisher, Visio),

and other software systems (see list).

< Information Technologies, Business Sciences, and Advanced Skills

developing and implementing enterprise business intelligence systems,

corporate databases, multi-unit financial analysis, planning models,

statistical and econometric analysis, forecasting models, linear

programming models, and business solutions.

< Industry Expertise in banking, investment banking, capital markets,

mortgage servicing, commercial mortgages/loans, hospitality, gaming,

airline catering, airport services, healthcare and service industries.

< Subject Matter Expert in Mortgage and Banking Industries with US

District and State Courts, regulatory agencies, and litigation expert

for banks, mortgage servicers, and defense counsel. Selected by

Courts as Manager of compliance audits and class action settlements

for large mortgage and loan portfolios.

Professional Experience

Dumas Financial Advisors, LLC - Memphis, TN 2003-Current

Financial Consultant

Management consulting, business strategies, and venture capitalization

practice working with high growth corporations, commercial real estate

ventures, and national consulting firms.

Clients include:

SPADAC Inc. - McLean, VA - Corporate Financial Consultant

< Developed strategic business plans, closed $8.5 million Round A equity

offering, and advised executive board.

< Completed $5 million corporate office and SCIF (Secured Compartmented

Information Facility) improvements.

Lee's Landing Garage, LLC - Memphis, TN - Financial Consultant

< Managed financial "turn-around", restructuring, mortgage forbearance,

work-outs, and operational oversight.

< Developed business plans, market studies, and closed $6 million debt

and $2.5 million equity offering.

Navigant Consulting, Inc. - Chicago, IL - Designated Expert and Case

Manager

Engaged as designated expert on bank litigation matters, resolved

damage claims for mortgage and commercial loan portfolios, co-managed

projects, and advised legal counsel and executive management.

Management Computing Solutions, Inc. (MCS) - Memphis, TN 1980-2003

Project Lead / Financial Consultant / Business Development / Senior

Executive

Management consulting and computing service - providing solutions for

financial industries. Customers represented leading banks, mortgage

servicers, investment bankers, regulatory agencies, Courts, and Fortune 500

corporations.

< Developed and implemented analytical, planning, budgeting and

financial solutions for clients and industries. Business development

and client engagement manager. Recruited and managed staff of 24

professionals.

< Recognized as leading computing and financial consultant in the

regional marketplace; serving over 100 corporations in banking,

investment banking, health care, hotel, restaurant, airline/airport

services, cotton/commodity, commercial developments, logistics,

service sector and manufacturing industries.

< Nationally recognized for expertise, products, and services for

commercial and residential mortgage banking, secondary mortgage

capital markets, hospitality (hotels, restaurants), healthcare, and

gaming industries.

< Recognized as finalist in the Mid-South Small Business Awards in 1984

and 1994 (a rare twice finalist).

R sum of Michael E. Dumas Page 2

MCS and Arthur Andersen, LLP - Memphis, TN; Washington, DC; and nationally

1990-2002

Business Alliance Partnership and Designated Expert

Formed business alliance to leverage expertise and expand services in

banking and financial markets. Managed mortgage and commercial loan

compliance audits and staffs of 20-100 professionals. Served as designated

expert.

< Developed Mortgage Audit and Remediation Services (MARS), a

proprietary audit sampling process to identify and remediate mortgage

compliance issues, quantify complex damage claims, and disburse

refunds.

< Engaged as expert by leading banks and mortgage firms, performing 100

projects and resolving 2MM+ loans.

< Approved by Courts as manager for 9 class settlements, resolving

claims and issuing $300MM in refunds.

< Selected by regulatory agencies to manage large compliance, due

diligence, and loan sale engagements.

Strategic Industry Expertise: Top Performance and Customer Accomplishments

< Investment Banking and Capital Markets - developed leading-edge

products and services for fixed income trading, mortgage trading,

portfolio strategies, and collateralized mortgage obligations for 20+

regional clients.

< Hospitality Industry - implemented enterprise information systems,

budgeting, planning, and operational solutions for Holiday Inns,

Promus, Registry Hotels, Gate Gourmet, Steak & Shake, Harrah's and

others.

< Banking and Mortgage Industry - performed financial and loan portfolio

compliance audits for Bank of America, Sun Trust, Washington Mutual,

Wachovia, Banc One, Charter One, ITT Mortgage, and others.

< Quality, Performance, and Excellence of Work Product was referenced by

customers and many Courts, 'branding' business as premier solution for

complex claims. Superior Court of California stated 4 years after

prior work: "There's a firm that did a tremendous job, an absolutely

first class job on a very complicated case. At the Court's request,

inquire whether Michael Dumas of Management Computing Solutions in

Tennessee is willing to serve. Of all the people we have seen, his

firm did the best job on a very complicated matter."

Previous Professional Employment

ADP Network Services, Inc. / Automatic Data Processing, Inc. (ADP)

Manager, Corporate Financial Services - Product and Marketing Manager

Ann Arbor, MI

Account Executive, Midwest Region - Opened two Metropolitan Offices

St. Louis, MO and Memphis, TN

CompuServe, Inc., Branch Manager - Opened Memphis and Mid-South Marketplace

Memphis, TN

First Tennessee Bank, Sr. Consultant, Computer Timesharing Division

Memphis, TN

Education

University of Memphis B.S., Finance

Business and Professional Expertise

Project Management (100+ professionals) ( Financial & Strategic Planning (

Predictive Modeling ( Enterprise (multi-unit) Financial & Decision Support

Analytics ( Mergers & Acquisitions ( Marketing & Financial Feasibility

Studies Business and Process Re-engineering ( Capital Investment Planning (

ROI Analysis ( Asset / Liability Management Corporate & Investment

Restructuring ( Budgeting & Variance Analysis ( Cost Analysis ( Operations

Research Corporate Accounting & Taxes ( Quality Control and Assurance (

OMS Labor Standards and Performance Tracking

Business Science and Technology Expertise

Excel/VBA and Financial Modeling Languages (advanced skills) ( Database

Management Systems (Access, SQL, Visual FoxPro, Accent-r, Oracle, others)

( Business Intelligence Software (Hyperion, Crystal Ball, Management

Scientist, Lingo) ( Econometric, Statistical, and Operations Research

(SAS, SPSS, Minitab) ( Project Management (MS Project, Primavera) (

Microsoft Office (Word, Excel, PowerPoint, Access, Publisher, Project,

Visio, Outlook) Accounting Systems (Peachtree, Real Word, Great Plains) (

Programming Languages (VBA, C+, COBOL, Fortran)

Awards and Recognition

Finalist, Mid-South Small Business Awards (1994 and 1984) ( Sales Awards

(ADP Network Services, CompuServe) Memphis Jaycees (Past President) (

Jaycee Awards (Senator, Colonel) ( Emmaus ( Missionary, Pskov UMC, Russia

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