Management Analyst

EMILIYA PAVLOVA

** **** ***** ***.

East Brunswick, NJ

732-***-****

****************@*****.***

PROFESSIONAL SUMMARY

Treasury analyst with solid cash management experience. Demonstrated

professional knowledge, strong communication skills and ability to support

all aspects of treasury operation activities.

KEY ACCOMPLISHMENTS

. Reduced daily closing balances for PHH Mortgage by 50% and PHH Home

Loans

by 80 %

. Eliminated overdrafts on two operating accounts

. Streamlined the process of opening bank accounts

. Saved $5,000.00 by analyzing monthly account analysis fees

. Received an outstanding performance award at KMC Telecom

. Created bank reconciliation closing process at KMC Telecom, Inc to

comply

with GAAP

. Reduced monthly account analysis expense by $12,000.00 at KMC Telecom,

Inc by

spearheading the transitioning to a new cash management bank

. Completed a project to identify unknown funds transfer for PHH

Mortgage cash account

PROFESSIONAL EXPERIENCE

PHH Mortgage, Mt Laurel, New Jersey 2005 to

2009

Cash Analyst

. Calculated daily cash position for PHH Mortgage and PHH Home Loans

joint venture

. Maintain bank account file and managed opening and closing bank

accounts

. Reconciled PHH Mortgage cash operating accounts daily

. Actively monitored account balances and took action to prevent

overdrafts

. Created and reported daily cash forecast to senior management,

prepared funds transfers

. Reported daily outstanding loan balances to JV subsidiaries

. Maintained loan funding subsidiary forecast

. Reported the daily change in loan funding request to the bank

. Assisted in managing lines of credits and reported usage and interest

expense to senior

management

. Calculated borrowing facilities interest rates for subsidiary

reporting

. Invested excess daily cash balance according to company's guidelines

PAGE 2 EMILIYA PAVLOVA

KMC Telecom, Inc, Bedminster, New Jersey 2003 to

2005

Treasury analyst

. Prepared daily cash forecast and reported to senior management

. Manage company's cash including cash concentration, wires and account

funding

. Resolved positive pay, stop payments, voided checks issues

. Assist in managing letter of credits

. Reconciled all cash accounts monthly and performed system upload to GL

. Develop daily and short term cash flow forecast for efficient cash

management

. Processed tax payments, payroll funding and other funds transfers

RCN-Residential Communications Network, Princeton, New Jersey 2001 to

2003

Treasury Analyst

. Calculated daily cash position and prepared cash forecast

. Monitored joint venture end balances

. Handled banking relationships for the company

. Maintained correct information on treasury workstation

Fleet Boston Financial Corp, Princeton, New Jersey 1999 to

2001

(Formerly Summit Bancorp)

Financial Analyst

. Analyzed balance control reports to ensure the accuracy of financial

data

. Evaluated reconciliation reports to identify problems

. Built and maintained organizational and product hierarchies

. Generated profitability reports used internally

. Decreased the monthly closing process by 5 to 7 days

Cost Analyst

. Conducted cost study in loan department

. Allocated revenue and expense balances to product at cost center

levels

EDUCATION

. Rider University, Lawrenceville, New Jersey

2000 to 2002

M.B.A.

. Rider University, Lawrenceville, New Jersey

1993 to 1998

B.S. Business Administration, Graduated Summa cum laude

COMPUTER SKILLS

. J P Morgan Insight (bank platform), XRT - CERG ( treasury

workstation)

. Pinnacle for Windows(PNC Bank platform), PeopleSoft ( accounting )

. MS Office applications, Hyperion data base

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