Financial Management

Mark D. Olthouse

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

Reno, NV *9501

206-***-**** (H) ************@*******.***

Professional Experience

MICROSOFT CORP./MICROSOFT LICENSING GP 1999 TO PRESENT*

REDMOND, WA/RENO, NV

Credit Risk Manager - Microsoft Worldwide Credit Services:

Provided financial and credit risk analysis/assessments that determined the

degree of risk involved in extending credit to new and existing customers,

specifically within the business streams managed by Microsoft Licensing.

Assisted in evaluating risk, establishing credit limits and monitoring

customers' financial condition. Served as a liaison between WWCS,

Commercial Operations teams, and Sales Account Managers. Determined credit

and business risk associated with Microsoft's engagement with major vendors

(annual spend in excess of $5 million). Developed risk mitigation

strategies including, but not limited to, the use of Letters of Credit,

Bank and Corporate Guaranties, Personal Guaranties and other instruments as

deemed appropriate. Supported Credit services initiative on redesigning

the Credit Risk Framework.

Responsibilities included:

. Financial Statement analysis in order to render an accurate credit

decision based on such analysis.

. Worked closely with various Business Groups to ensure that financial

analysis and subsequent credit decisions are effectively rendered

within 48 hour SLA and effectively communicated.

. Maintained responsibility for applying company's credit policies,

practices and procedures to the credit and financial recommendation

that are obtained from the analysis.

. Researched industry data, retrieved credit reports, financial

statements, and made recommendation for security when necessary.

Carried out established program for minimizing risk through analysis

and secured transactions.

. Monitored on-going financial position of certain vendors for Sr.

Management.

. Monitored high risk customers and worked with Legal Group to place

accounts on note arrangements.

. Performed credit evaluations and other support analyses for credit

policy formation, including establishing, implementing and managing

credit lines for Customer and Partners.

. Assessed financial condition of vendors and provided risk mitigation

strategy if required, including, but not limited to the negotiation of

security where required.

*Break in service occurred with recruitment to Washington Mutual.

Washington Mutual 2003 to 2004

Seattle, WA

Sr. Credit Analyst - Corporate Credit:

General responsibilities included: Assisted in determining financial

institutions' measurement and management of counterparty credit risk

resulting from traded product activities. Managed commercial and vendor

credit risk.

Job Responsibilities:

. Analyzed industry practices and firm specific risks to identify

emerging risks and areas of focus,

. Evaluated risk model,

. Developed and implement credit exposure stress testing methodologies

and performed analysis of counterparty exposures;

. Participated in ongoing monitoring of activities with institutions'

management of counterparty credit risk,

Garden Botanika 1997 to 1999

Redmond, WA

Financial Analyst:

General responsibilities included: Performed marketing and financial

analysis based on demographic and sociographic data. Utilized

statistically rigorous methodology, applied best practices in data

preparation and data cleansing, created predictive and descriptive

derived concepts from raw data, implemented behavioral segmentation, and

developed predictive models.

Performed marketing analyses on consumer data. Responsibilities included

development of segmentation models to maximize effectiveness of marketing

campaign performance for marketing and loyalty programs. Also

responsible for conducting financial analysis and statistical studies,

including forecasts, variance analysis and modeling. Provided financial

oversight, leadership and support to management. Responsible for

budgeting, financial modeling, business management and forecasting.

Lamonts 1994 to 1997

Bellevue, WA

Finance Analyst:

General responsibilities included: Developed, interpreted, and

implemented financial concepts for financial planning and control.

Performed technical analysis to determine present and future financial

performance. Gathered, analyzed, prepared, and summarized recommendations

for financial plans, future requirements, operating forecasts, etc.

Performed economic research and studies in the areas of rates of return,

depreciation, working capital requirements, investment opportunities,

investment performance, and impact of governmental requirements.

Frederick and Nelson 1988 to 1991

Seattle, WA

Accountant:

General responsibilities: Accounting/reporting on 7MM budget.

Boeing Advanced Systems 1987 to 1988

Seattle, WA

Industrial Engineering; Forecaster: Budgets:

General responsibilities included: Established labor and non-labor

overhead budgets for operational division. Primary responsibilities;

conducted monthly cost reviews and provided recommended courses of

action. Ensured compliance to federal budgeting/scheduling specifications

and analyzed budgets.

Education

UNIVERSITY OF WASHINGTON

SEATTLE, WA

Bachelor of Business Administration, BA-1985;

MASTERS-1993

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