Scott Hertzog

*** ***** ******* **. . ********** Falls, NY 12590

845-***-**** . 845-***-**** . abmt70@r.postjobfree.com

Summary

Talented business professional with extensive background in financial

analysis, planning, and forecasting. Proven ability to manage multiple

projects simultaneously, support several hundred accounts, and identify

potential risks and benefits to facilitate business operations. Adept at

performing cash flow, credit, and risk analysis, competitive market

pricing, cost control, budgeting, and profitability analysis. Able to

build strong client relationships and develop business process

improvements. Excellent presentation, reporting, research, and

communication skills.

Professional Experience

Woodstock Farm Animal Sanctuary, Woodstock, NY

Financial Analyst/Bookkeeper 03/09 -

Present

. Assist in the creation of quarterly and annual (990) report filings

. Maintain and update financial reports and budgets that are utilized

for decision making by Sanctuary Director and the Board of Directors

. Provide ongoing analysis on the effectiveness of fundraising

campaigns.

. Update and manage donor database

. Perform monthly bank account reconciliations

. Prepare and post weekly deposit

. Perform ad-hoc analysis as needed by Sanctuary Director

CIT Group Inc, New York, NY

Portfolio Analyst 08/08 -

03/09

. Conducted critical portfolio and business analytics, performance

modeling and forecasting of key credit metrics in support of improved

portfolio transparency and active portfolio management

. Worked with business units, Finance and Operations to assist in

developing forward forecast and risk plans based on key metrics

. Developed and maintained external industry, economic and geographic

data sources for monitoring benchmarking CIT portfolio against

industry trends

. Evaluated and assisted in the optimization of the portfolio credit mix

to achieve plan and maintain desired risk/return profile

. Reviewed data systems and related business needs to streamline,

automate, or eliminate risk reporting redundancies

Senior Credit Analyst 08/07 -

08/08

. Managed a portfolio of about 200 CIT Rail customers and 50 Corporate

Air customers

. Responsible for monitoring credit quality of customers, both public

and private, by conducting annual, semi-annual and quarterly reviews

. Monitored asset quality of portfolio to estimate loss given event of

default

. Completed special projects and analysis as required

Bankers Warranty Group/VAC Service Corp, Middletown, NY 02/06 -

08/07

Finance Manager

. Cost take-out facilitator for entire organization. Facilitated the

reduction of SG&A expenses by approximately 30% in 2006. Also,

completed series of analysis that saved the company approximately

$150K annually.

. Conducted monthly client reviews to determine overall account

profitability.

. Worked with sales and marketing teams to establish sound pricing

methodology.

. Created proforma income statement and cash flow statement to assist

President and CFO facilitate budgeting process and to assist them with

revenue and expense planning.

. Worked internally and with outside vendor to consolidate and drive

down monthly lease cost expense.

IBM Corp., Armonk / White Plains, NY / Southbury, CT

1995 - 2006

Cash Management - Treasury Operations, IBM Corp (2005-2006)

. Managed daily cash balances for IBM Canada and IBM Mexico

. Utilized actual and forecasted data to determine daily/weekly cash

investment amount.

. Determined requirements for foreign currency and worked with traders

to obtain necessary funding.

. Reconciled and balanced bank accounts daily.

. Executed wire payment transfers to both internal IBM and external

customers when necessary.

. Worked on special projects to improve cash management function.

Projects included systems enhancements and accounts receivable

forecasting.

Credit Analyst - North America, IBM Global Financing (IGF) (2003-2005)

. Played key role in planning and carrying out integration of Canadian

and US Credit Operations in 2004, serving as point-of-contact for more

than half of IGF's Canadian sales force.

. Conducted training of US-based analysts in Canadian Credit systems and

processes.

. Communicate with customers to obtain information as necessary, analyze

data, and provide reports.

. Support several hundred small and medium-size accounts. Perform credit

underwriting and long-term risk analysis to ensure optimal portfolio

performance and revenue.

. Develop and maintain effective relationships with sales

representatives. Provide information, recommendations, and assistance

as needed.

. Successfully carried out quarterly IBM Global Services (IGS) quality

focus account credit review, focusing on high-risk clients in US and

Canada. Delivered presentation and recommendations.

. Assist with US purchase request management during periods of above-

average volume.

. Completed multiple projects that resulted in improvements to overall

Canadian Credit process.

. Earned Outstanding Performance Award in 2004 for Canadian Credit

Operations integration.

Financial Analyst, IBM Global Services (IGS) (2002-2003)

. Carried out monthly planning, forecasting, budgeting, and other

financial analyses, supporting two IGS Directors in meeting financial

objectives.

. Performed analyses of discretionary spending control, contract

measurements (including cost, revenue, and gross profit), and contract

interlock.

. Improved accuracy of forecasting to 3% for headcount, billable hours,

and discretionary spending.

Credit Analyst - IGS Transactions, IGF (2001-2002)

. Conducted extensive short-term analysis/credit underwriting for

purchase transactions ranging from $100,000 to $100 million, with

lengths of three months to 10 years.

. Consistently met or exceeded all turnaround time goals and ensured

compliance with control procedures even in heavy-volume environment.

. Performed financial analyses and analyses of public rating information.

. Developed and maintained relationships with sales representatives.

Provided alternative credit structures to facilitate business goals and

revenue production.

. Prepared executive summaries for transactions requiring executive-level

approval.

Financial Transaction Specialist, IGF (1998-2001)

. Analyzed, priced, and structured complex lease and loan transactions

ranging from $50,000 to $16 million. Carried out cash flow, portfolio

residual value risk, and profitability analyses, along with competitive

market pricing. Assisted with price and contract negotiations.

. Provided sales representatives with advice and information to necessary

to close complex deals. Delivered capital/operating lease forecasts

for RS/6000 brand managers.

. Played key role in structuring winning financing proposals for $16

million at Charles Schwab.

Scott Hertzog

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IBM (Cont.)

Market Research Analyst, IGF (1995-1998)

. Managed daily activities of credit customer measurement program.

Responsible for distribution of customer satisfaction feedback, and

ensured accuracy of customer satisfaction scores.

. Formulated effective research process, including definition of customer

samples, development of questionnaires, and isolation of appropriate

research data measurements.

. Worked extensively with outside market research firms, supplying

questionnaires and analyzing incoming data. Utilized spreadsheets and

statistical packages to prepare and analyze monthly and quarterly

customer satisfaction reports for executive presentation.

. Played major role in $45,000 annual cost reduction. Streamlined and

improved accuracy of market research firm programs by 15%, as part of

market research process re-engineering project.

Kraft Foods Inc., White Plains, NY

1993 - 1995

Assistant Marketing Analyst, Gevalia - Maxwell House Coffee Division

. Analyzed direct marketing programs and determined performance levels

vs. financial and sales objectives. Identified sales trends and

provided variance reports for management.

. Formulated historical sales curves to forecast product performance

levels.

. Contributed to improved campaign planning and forecasting capability.

Assisted with creation of new database and forecasting system.

EDUCATION

Pace University, Lubin Graduate School of Business, White Plains, NY

MBA in Finance & International Business (1995)

. Academic Scholarship Recipient, 3.4 GPA

Siena College, Loudonville, NY

BS in Marketing & Management (1992)

. Graduated Magna Cum Laude, GPA 3.7

. Academic Scholarship Recipient

Professional Development

Finance & Planning (IBM)

Credit Analysis (IBM)

Technical Skills

Microsoft Access, Outlook, Word, & Excel. Lotus Notes, 1-2-3, & WordPro,

QuickBooks, Internet applications

Scott Hertzog

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