Financial Sales

JEFFREY E. KRUPNICK

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

Sarasota, FL 34239 941-***-****

Solutions-driven financial professional with strong skills in financial planning & analysis, developing appropriate financial modeling, risk measurements and analysis, lending and financial solutions for internal departments, institutions, individual and corporate clients. Utilizing capital market trends, data assumptions, loss & profit modeling to determine pricing and profitability margins. Focus on leveraging cost-effective capital usage, lending rates, bottom & top line revenue, ROI, ROA, review and analyze financial metrics {forecasting} by efficiently preparing budget and cash flow models, pricing models dependent on key metrics to business unit, prepare various asset and liability analysis, and funding reports. Present and emphasize market metric and data analysis, assumptions and recommendations to various internal departments and external partnerships. Develop and implement ongoing budget vs. actual reporting. Assist in the development of incentive based production and profitability reporting.

Consistently review, analyze and evaluate business activities to identify and facilitate improvement of processes, reducing costs; increasing revenues. Compile/analyze complex planning and budgeting reports; offer proactive ideas on methods to improve financial performance, profit margins, analyze, review and prepare budget and cash flow models. Extensive knowledge of reviewing, analyzing, and creating financial statements, Earnings {EBIT & EDITDA}/ Ad Hoc, EPS, P/E, & FPE.

Model, create, and evaluate annual budgeting, GAAP, forecasting and financial modeling within various Branch/Department levels. Utilizing proprietary software to back-test the ALM model quarterly to confirm model quality.

CORE STRENGTHS

Multiple Lines of Lending Solutions • Financial Planning & Analysis • Forecasting • Account Performance

• Financial Variance Analysis • Staff Development

Key Financial Statistics • Data Mining • Six Sigma Initiatives • Ad Hoc Reporting

Competitive Product Analysis • Strategic Marketing Planning

National NMLS #1501683

Computer proficiency: MS Excel(Advanced Formulas, Pivots, Sumif, VBA) Word, PowerPoint, SQL, PeopleSoft, SalesForce, Bloomberg, Thomson One Reuters & RMDS, Hyperion & EssBase

Bachelor of Science, Finance (USF)

CAREER BACKGROUND

JHS CAPITAL ADVISORS /AMERIPRISE, Sarasota, FL Jan. 2015 - Present

Regional Associate, Financial Manager & Analyst

Provide comprehensive financial planning/analysis, budgeting {Monthly/Quarterly/Annually – dependent on the business unit} Variance Analysis dependent on financial data attributed from sales figures – Provide recommendations for future forecasting, lending solution analysis for external sales division including review of financial statements and tax documents. Conduct client needs assessment, financial reporting & modeling for both internal business unites and external clients with an emphasis on profit. Loss, and cost analysis, analyze data and financial position/goals. Oversee up to 35 sales and middle-management staff; control $25K annual operating budget.

Responsibility for preparing & presenting to regional and upper management review and results of month end, run rate analysis, portfolio analytics, and capital & funding usage. Use of proprietary data models to calculate profitability.

Support national business divisions in providing advisory support to both regional and home office management and recommend enhancement of product(s) to increase profit and bottom-line revenue.

Assist in developing business forecast assumptions utilizing past & present data and current/future market conditions. Completing on Just –In- Time meeting required deadlines.

Assist with various internal divisions forecasting & budgeting.

Coordinate with corporate internal divisions on monthly, quarterly, & annual budget and expenditures, partner with external vendors (when appropriate) to reduce internal cost savings.

Participate in operational initiatives to improve team performance and best practices.

Coordinate the collection & reporting data of various business unit results as part of regional and national reviews. Forecasting Cash Flow, ROA, and Profit Margins within specified products.

Achievements:

• Key member of senior team to transition clients and integrate processes post acquisition. Partnered with Ameriprise management to ensure continuing service excellence. Directed all operational aspects of merger, to include client assets, financial planning, cash flow analysis, documentation, and direct deposits. •

Selected to manage and oversee terms, requirements, and structuring of lending solutions with Royal Bank of Canada. Cultivated strong relationships to effectively negotiate optimal solutions for internal/external stakeholders. Assisted with loan processing, from application to funding/closing.

JEFFREY E. KRUPNICK Page 2

WACHOVIA / WELLS FARGO ADVISORS, Sarasota, FL May 2008 - Dec. 2014

Financial Manager & Analyst of Investments

Hired, trained, and oversaw annual reviews/comp plans for 3 direct reports. Provided team leadership 5-7 underwriters and originators for residential lending, and 3-5 underwriters, originators, and specialist for commercial lending solutions, financial planning & analysis emphasizing on increasing profitability year-over-year. Evaluated cash flow, conducted extensive data analysis & financial reporting utilizing customized Excel models with Advanced Formulas, extensive review of financial and tax statements to appropriately identify financial and/or lending solutions. Control internal Team budget of $50K per annum.

Achievements:

• Personally originated $35M+ in personal, commercial, and asset-backed loans.

• Achieved 20% organic sales growth (year-over-year).

• Received Best Practices Award [sales growth initiatives] (2010).

• Recognized as one of Top 50 Financial Advisors (out of 15,000) for lending performance (2012).

Process Enhancements:

• Increased team production from $550 to $875K and financial analysis 70-75%.

• Integral team member: Developed and launched securitized lending division (collateral lending platform for private client group). Reduced underwriting requirements, improved cash flow, financial planning and analysis process, as well as increased number of lending units by 50% (2012). Attributing factors to this process was increasing ROI, ROA, and Profit margins, and reducing budgeting cost.

Collaboration / Committees:

• Created/delivered asset-backed and commercial lending product training programs for investment professionals. Served on Southeast Region Panel during annual lending conventions/meetings.

• Regional Working Committee: Developed/rolled out best practice guidelines to optimize communications and processes between Financial Advisors and Commercial Lending teams.

CITI SMITH BARNEY, Venice, FL May 2004 - May 2008

American multi-national financial services corporation, specializing in retail brokerage. Residential & Commercial lending via Citi.

Financial Manager

Provided financial planning analysis with $20M AUM. Main objectives on ROI & ROA for client base. Accountable for cross-selling mortgages, securities, and related products/services with main attributes on Profit Margins for both the Firm and the Client.

Account Management:

• Maintained consistent account growth of 5%-10% (year-over-year).

• Implemented financial planning and analysis for clients, including cash flow analysis and risk adjustment. Reviewed all transactions to ensure accuracy of financial documentation.

Relationship Building:

• Recruited to develop/roll out lending division. Developed relationships between Citibank and Smith Barney to facilitate collaboration between Financial Advisors and Residential and Commercial Loan groups. Oversaw pre-qualification activities; ensured compliance with lending guidelines.

• Established relationships with turnkey asset management providers; achieved 115% growth of personal business model.

JEFFREY E. KRUPNICK Page 3

MERRILL LYNCH, Venice, FL May 2000 - May 2004

Provide Financial Planning & Analysis for a specialized team focus on ROI, ROA, investment, financing, and other related services to individuals and institutions in the United States and internationally;

Financial Advisor (May 2003-May 2004)

Established client relationships and personal business model, as well as residential loan market.

Achievements:

• Personally closed $20M+ in residential loans (within 1 year).

• Recognized for being among the Top 20 Advisors for lending within the state of Florida (2004).

• Promoted into Financial Advisor Training Program; graduated at the top of class.

Program Development / Enhancements:

• Served as part of team responsible for pilot launch of Asset-Backed Lending Department.

• Gained reputation for streamlining processes to increase volume and efficiency of loans.

• Part of credit line product launch (collateralized lending program); maintain 94% rate client participation.

Financial Analyst (May 2000-May 2003)

Recruited from college for one of the top producing teams corporate-wide; AUM $100-$150M.

• Created detailed spreadsheets for portfolio design and equity selection; implemented formulas to generate buy/sell recommendations.

• Grew client base from 0 to 250 through extensive networking, and coordinating/hosting client events.

• Achieved internal designation of Certified Retirement & Planning Specialist (2003).

EDUCATION

UNIVERSITY OF SOUTH FLORIDA, Tampa, FL (2000)

Bachelor of Science (Finance)

EXECUTIVE-LEVEL MANAGEMENT

Financial Planning Analysis

...Recognized as one of Top 50 (out of 15,000) for lending performance within

Wells Fargo Bank, Wells Fargo Advisors, and Wells Fargo Financial Independent Services (2012

Excellent communicator; readily assume additional challenges to meet corporate goals.

COMMUNITY VOLUNTEER

Child Protection Center (CPC), volunteer

Make a Wish Foundation, volunteer

The Lighthouse, volunteer

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