Portfolio Management

Brian Conzelman

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

Address: *** ********** **

City: Warminster

State: PA

Zip: 18974

Country: USA

Phone: 215-***-****

Skill Level: Management

Salary Range: 85

Primary Skills/Experience:

See Resume

Educational Background:

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Job History / Details:

Brian M. Conzelman

535 Winchester Rd Warminster, PA 18974

Cell: 215-***-**** Email: *********@********.***

Portfolio Management/Senior Financial and Risk Analyst/Consultant

A detail oriented senior analyst with solid experience in financial analysis and planning, consulting, project management, cost accounting valuation and ALM. Values innovation and an entrepreneurial approach to building value, market share and customer loyalty. Driven to achieve operational efficiencies: thinks about what needs to be done and how operations can be done as efficiently as possible while maintaining high-quality, accurate and direct recommendations. A proactive, assertive and independent individual who works with a sense of urgency to reach corporate and individual goals. Resourceful and aggressive when working through or around anything blocking completion of objectives. Openly challenges status quo of operations and strategy when accuracy and quality can be improved through different methods. Takes responsibilities seriously and expects the same from others. Result oriented persona that delivers clear, concise detailed work within deadlines.

Professional Experience

Sr. Consulting/Financial/Business Analyst 12/2011-Present

Provides professional financial planning and analysis by defining current financial standings and making recommendations in relation to aspects of: financial and expense performance, rate of return, cash flow, depreciation, working capital, and investments. Prepares consolidated forecasts and budgets, analyzes trends in revenue, expenses, debt and organizational structure. Provides and implements strategic policies based upon current and forecasted markets, industry and economic analysis, A/R and A/P administration etc. (Various Companies include: CSC Inc., J&R Enterprises LLC, The Buck Hotel Inc., Caring People LLC dba Visiting Angels, JMP Investments LLC, Dick and Rip's Inc., Ruhlings Seafood Inc., Stonebridge Rental Prop. LLC, SCJ3 LLC, HMP LLC, REPTEX Inc., Trans Medical Ambulance Inc., Trans Medical Ambulance Prop. LLC, CMP Investments LLC, etc).

Ally Financial, Fort Washington, PA. 12/2010-11/2011

Formerly known as GMAC and changed its name in 2010 Ally Financial has expanded from automotive financing to insurance, online banking, mortgage operations and commercial finance.

PORTFOLIO/ACCOUNT MANAGER

Responsible for conducting an in-depth financial analysis of existing and potential warehouse lending clients. Active involvement with the credit approval, review, monitoring/compliance and credit structuring processes, with a concentrated focus on credit quality, risk management and value increasing client consultation. Responsible for improving discounted cash flows from operations through detailed cost accounting and revenue diversification. Prepared spreadsheets, credit analyses, annual reviews, quarterly evaluations, monthly compliance reports and other related documents on existing and prospective GMAC Bank clients. Accountable for build strong working relationships with clients.

* Managed portfolio valued at approximately $170-200 million (seasonality fluctuations).

* Monitored existing clients, along with correspondent relationships and potential clients, through monthly, quarterly and annual financial analysis and compliance reviews, monitor ongoing collateral risks, assign/validate risk ratings on a regular basis, responsible maintenance of applicable databases, identify covenant breaches and other significant and/or potentially adverse events, formulate breach management strategies and prepared forbearance or waiver memos.

* Conducted on-site due diligence of the clients on a regular basis.

* Prepared written credit analyses on prospective clients for presentation to appropriate approval authorities. Included in this process are the spreading/analyzing and reconciliation of financial statements, preparing and discussing due diligence questions with the client, and assigning an appropriate risk rating.

* Acted as a consultant, to create individual value enhancing adjustments for clients. Models completed by employing cost accounting analysis of: warehousing activity, wholesale tracking, servicing and secondary operations, organization structure, recommending acquisitions/divestitures as needed.

* Worked on projects to further enhance the efficiency/accuracy of product and consumer performance reporting systems. Lead team in creation of the 'Red Flag System' to identify potential future threats and unnecessary risk exposure.

* Liaison to management clients in the counseling of maximizing ATNW value, equity and debt structure, analysis of current and forecasted market conditions.

* Coordinated and developed annual budgets for clients with continued performance monitoring that included analysis of actual financial results versus forecasted and budgeted plans and making modifications as needed.

* Was principally involved in the overall organic growth of the Portfolio by 8.5% in under one year.

TD Bank, Philadelphia, PA. 2/2009-12/2010

America`s most convenient bank featuring convenient online banking, mortgages, home equity loans, insurance and investment services.

ASSISTANT VICE PRESIDENT - SENIOR FINANCIAL ANALYST

Conducted in-depth financial analysis of existing and potential borrowers. Prepared written loan requests including commentary on company financials, collateral to verify compliance with bank policies and government regulation.

* Sr. Analyst of the Bank`s central credit pool, responsible for providing service to all regional offices on the more complex deal, national and global clients.

* Provided training, development and oversight of Jr. Analysts, new hires and interns. Involved in recommendations for hires, terminations and performance evaluations. Organized and coordinated group completion of financial reviews, templates and meetings.

* Comprehensive analysis included: discounted cash flow analysis, debt service coverage, market/industry analysis, collateral evaluation, etc. Provided interpretation of financials and made recommendations on client relationships. Reviewed and set covenants and provided mitigants for breaches if necessary.

* Involved in ongoing modification of policies, operations and guidelines to improve efficiency. Assisted with compilation and analysis of internal consolidated budgets and long term plans/strategies. Recommended financial actions by assessing options in relation to organization goals.

* Responsible for the analysis of all types of loan documentation to detect incomplete, insufficient or questionable information and independently follow up with various parties to reconcile differences.

* Continuously refined strategic plans for the client's expansion of their primary core competencies, and involved in critical decisions such as those regarding capital expenditures, M&As/divestures, cash management and operations management.

* Ensured an efficient and effective transfer of knowledge from the relationship manager to the approving authorities.

Sovereign Bank/Santander, King of Prussia, PA. 9/2007-2/2009

One of the world`s largest banks providing a wide variety of deposit, lending and investment opportunities.

SENIOR FINANCIAL CREDIT ANALYST

Analyze financial spreads, projections, and cash flows; review collateral and guarantor status; prepare profitability projections. Assess and formally review client risk through periodic audits and credit file reviews. Assist with legal closing process; prepare, review, and validate documentation, ensure compliance and conditions are met.

* Responsible for the oversight of the middle market commercial portfolio in the mid-east at Sovereign Bank (consisting of global companies such as Crown Holdings, Aramark, SunGuard etc). Total credit exposure for the portfolio was over $400 million., involving numerous syndicated

* In charge of generating financial spread analysis, creating annual reports for all relationships and incorporating numerous profitability, debt service, liquidity and leverage computations.

* Directly engaged in the valuation of both public and private companies using various models/tests including, but not limited to: market value added benchmarks, economic value added measurements, EPS valuation, cost of capital structure, marketing approach using comparable deals/transactions etc. Public corporation relationships often involve syndicated deals with multiple banks involved.

* Created a profitability model to better assess relationships in relation to expenses vs. discounted cash flows.

* Participated and lead special financial and business related studies in relation to trends in internal revenues, expenses, capital expenditures and market/industry forecasting. Utilized benchmark analysis in evaluating internal financials (and external analysis for clients) versus direct competitors, lending institutions of similar asset size and the industry on a national perspective.

* Recommended lending stability, exposure amount and rates for all relationships within portfolio including new endeavors. Assisted in syndicated portfolio transactions involving numerous lending entities requiring negotiations to determine the most efficient relationship for Sovereign.

* Monthly variance analysis of both the company and related industry benchmarks.

* Acted as a conduit for regional, national and global research and activity focusing on business development as it applied to corporate development and sustainability, with an emphasis on developing opportunities.

Mortgage Lenders Network, Hatboro, PA. 3/2005-1/2006

A provider of home loans through a network of independent brokers and directly to borrowers. Also, provides other services such as billing and collections.

BUSINESS DEVELOPMENT MANAGER

Responsible for generating new business through mortgage brokers and selling loan scenarios/prices while evaluating risk management of the company's portfolio, and also maintaining relationships with brokers.

* Generated $3 million in sales in the first month . Researched surrounding markets to identify most profitable areas.

* Created bimonthly reports analyzing competitor rates, products, strengths and weaknesses compared to MLN.

* Identified and cultivated partnerships to promote growth and viability of the Company/personal portfolio.

* Built a client base that generated over $5 million in revenues monthly, provided direct and reliable advice to my clients.

EDUCATION

* Bachelor Degree - Finance, Minor in Small Business Management, Pennsylvania State University, PA 2004.

* MBA w/Finance Concentration, LaSalle University PA 4/2012.

* Formal Personal and Business Credit Training, including numerous Risk Management Association (RMA) courses.

* Experienced with Excel, Access and most major MS Office Programs, Moody's Spreading Software, CARRS Spreading Software, Dashboard Reporting Program, Salesforce, Oracle, Hyperion, SAP, various SQL programs and Financial Accounting Standard Board (FASB) and Generally Accepted Accounting Principal (GAAP) protocols.

* Currently exploring/pursuing getting licensed for a CMA or CPA Series 7, 66, and 24.

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