Manager Management

Mark Knight CPA, CA, ASIA, Bcom

*** ***** *** ****, ***********, Utah 84014 ( Cell: 801-***-**** (

Email: ************@*******.***

CFO Executive Summary - Over 15 Years Experience

Experienced hands on CFO (licensed CPA in Utah) with extensive BIG4 Banking

experience (>13 years) in International Banks, State Commercial Banks and

Utah Industrial Loan Companies (ILCs).

Directed several Utah ILCs through the charter application process with the

FDIC and Department of Financial Institutions in Utah. Directed compliance

officers in Utah ILCs to achieve FIDICIA compliance.

Demonstrated history of compliance with Reg W concerning commercial

entities owning FDIC insured financial institutions (Utah ILCs).

Highly experienced in developing and strengthening Banking IT systems

including management reporting systems and front and back end Banking IT

systems.

Highly experienced in accounting for Derivatives and financial instruments

and liabilities at Fair Value with a (masters equivalent) post graduate

degree in Applied Finance & Treasury.

Seasoned in all aspects of operations geared to drive business innovation

and revenue growth while increasing organizational effectiveness.

Exceptional communicator and mentor with ability to present highly

technical information in easily relatable, concise terms to internal and

external stakeholders.

Raised funding through the private sector (private placement memos -

Venture Capital and Private Equity) and public capital market (IPOs and

secondary public offerings).

Executive Vision: Strategic Planning and Implementation, Entrepreneurial

Approach, Business Development, Financial Forecasting and Due Diligence,

Organizational Infrastructure.

Enterprise Resource Planning: Process Improvement and Enhancement,

Technology Strategy and Architecture, Systems Integration, Global

Implementation.

Operational Leadership: Human Resource Management, Sales and Marketing,

Business Development, Organizational Change, Systems Efficiency.

Strength & Skills

* Credit Scoring/Underwriting Skills

* Credit Risk Management

* Experienced ALCO member

* Relationships with FDIC & State Regulators

* FDICIA Compliance

* Reg Compliance - Reg W for ILCs

* Product Pricing Analysis

* Loan Committee Member

* Asset/Liability Management

* Budget Preparation/Administration

* Treasury Management

* GAP & VaR Analysis

CFO & Executive Experience - See Banking Experience Below

Inthinc Technolocy Solutions, Inc., Salt Lake City, Utah

January 2009 - 2010

Chief Financial Officer

Contract manufacturer and hardware device/software (web-based software)

developer, (in-the cloud technology - SaaS Model) generating over $100

million in revenue (550 employees).

ACCOMPLISHMENTS

. Developed global strategic business model and plan presented to Bank to

negotiate and re-negotiate the $20 million line of credit.

. Entered new markets (retail, wholesale, direct and indirect channels) and

formed new companies in foreign countries. Led development of long-term

vision and short-term execution plan implementing service/business

strategies and emerging technologies into company product and service

offerings to launch new revenue streams.

. Raised $12 million in funding via PPM and National Road-show in front of

more than 200 VC/PE firms in groups around the USA.

. Successfully demonstrated project management skills - implemented first

global role out of integrated technology in Europe in a highly compressed

time period in response to our first global RFP. Directed the

divestiture of a significant subsidiary for approximately $18 million.

. Negotiated key contracts with financial impacts on the Company.

Negotiated many contracts and agreements directly with stakeholders,

banks, suppliers, significant capital equipment purchases, leases and

customers.

. Developed financial forecasts/(models), monitored key metrics by

department and customer, worked closely with operations on budget v

actual results, and maintained periodic reporting to key stakeholders

including executive management and the Board.

. Reduced monthly communication costs by 26% and recovered $480,000 in

overpaid satellite costs by negotiating new air-time communication

agreement.

. Introduced key business policies and procedures to achieve business

objectives and to strengthen the internal control environment.

. Selected and implemented a new accounting system

(NetSuite/Salesforce.com).

Ernst & Young LLP, Salt Lake City, Utah March 2006 - December 2008

Senior Manager

Experienced Senior Manager specializing in the Banking Industry in USA and

Australia providing consulting and audit services to several ILCs and

Commercial Banks in Utah and Australia.

Performed several M&A transactions on behalf of buyers and sellers of

private and public companies including private and capital markets through

PPMs, IPOs and secondary public offerings. Responsible for providing audit

and consultative services to several public and private companies. (Managed

25-30 staff)

ACCOMPLISHMENTS

. Demonstrated history of compliance with Reg W concerning commercial

entities owning FDIC insured financial institutions (Utah ILCs).

. Highly skilled and experienced in Derivative and Fair Value accounting

including cash flow hedges, using either the short cut method or long

haul method for hedge transactions.

. Audited several IT systems including front office deal recording and

quoting, middle office deal verification, counterparty verification, back

office settlements, position risk, and compliance with treasury policies

and procedures.

. Assisted 2 de novo ILC Banks in Utah through the charter application

process and compliance with FDICIA regulations.

. Highly skilled in compliance with FDIC and Utah Dept. of Financial

Institutions regulations, call reporting, IRS, OSA, Patriot Act, FTA and

Basel Accords.

. Reviewed and developed more than 10 Banks credit underwriting policies

and procedures and loan loss reserve methodologies and calculations.

Highly exposed to multiple methodologies recording loan loss reserve.

. Prepared registration statements with SEC and financial records in

accordance with US GAAP and SEC rules and regulations for IPOs and

secondary offerings.

. Directed multiple secondary offerings, via Forms S2, S3, S4 and S8

including several private placement memorandums. Assisted clients in

raising capital up to $750 million through institutional investors,

Private Equity and Venture Capital firms. Provided consultation on

capital raises and due diligence, deal construction, valuation, creative

executive compensation strategies and tax minimization.

. Prepared Board and Audit Committee presentations and formal letters to

various levels of management including CEOs and CFOs on a quarterly, semi-

annual and annual basis.

. Skilled in M&A transactions ranging in values between $20 million and

$1.8 billion.

Grant Thornton LLP, Australia & Salt Lake City, Utah

June 2003 - March 2006

Senior Manager

Responsible for managing the firm's consultation and auditing of over 30

financial institutions. Specific projects included directing financial

institutions on credit management, credit risk policies and procedures,

Loan Loss Reserve, Regulation Compliance, Call Reporting and Product

Analysis. (Managed 20-30 staff)

Extensive experience in ALCOs and Loan Review Committees including

reviewing new loan applications, portfolio credit risk by product or

segment, product pricing, product development, gap analysis, interest rate

risk analysis, and VaR.

KPMG LLP, Adelaide, Australia & Salt Lake City, Utah

1995 - June 2003

Manager

Provided expert consultation and audit skills to over 20 financial

institutions including corporations, ILCs, commercial banks, and

government. (Managed 15-25 staff)

ACCOMPLISHMENTS

. Directed internal audit planning and procedures to over credit risk

management policies and procedures including building several pricing

models to incorporate credit risk into the model

. Attended several ALCOs for many financial institutions both price takers

and price makers in Australia. Provided credit risk guidance to emerging

financial institutions and worked closely with Management and the Board

in establishing credit criteria, policies and procedures.

. Created loan loss reserve policies and practices for several financial

institutions ranging from static provisioning to dynamic provisioning and

benchmarking loan portfolios.

. Performed thousands of loan file reviews to ensure compliance with credit

criteria.

. Worked closely with Management of banks while being examined by

regulators.

. Worked closely with work-out departments of banks in processing bad

loans.

British Aerospace Flight Training, NSW, Australia

January 1999 - January 2000

Chief Financial Officer

Extensive international experience and skills in financial modeling,

financial forecasting, budgeting, accounting, operations, human resources,

regulatory compliance, and IT management. (Managed 40 staff )

ACCOMPLISHMENTS

. Reduced costs of operations (accounting department by 18%-20%) and

overall entity costs by 8%.

. Re-engineered customer contract strategy and process which increased

revenues $5 million within twelve months (20%).

. $500,000 in assets sold generating $400,000 in cash flow produced by

identifying and disposing of aircraft repair kits that were not scheduled

for use for ten years and did not meet the strategic needs of the

Company.

. Implemented a new strategy that reduced the risk of loss to the Company

by requiring all international students to enter into course contracts

with letters of credit or bank drafts to ensure payment.

Education/Qualifications

CPA - Licensed public accountant in the state of Utah

Chartered Accountant (CA) - Licensed public accountant in Australia

(MAcc equivalent) Institute of Chartered Accountants in Australia - Post

Graduate Diploma ICAA

Securities Institute of Australia (ASIA) - Post Graduate Degree in Applied

Finance, Corporate Valuation & Treasury

Bachelor of Commerce (Bcom) - Under Graduate Degree Majoring in Accounting

(Flinders University)

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