JEFF KRUPNICK

Sarasota, FL ***** ac2s41@r.postjobfree.com

941-***-**** Sr. Financial Planner & Analyst www.linkedin.com/in/jkrupnick

Solutions-driven financial professional with strong skills in financial planning and analysis, developing appropriate financial modeling, risk measurements and analysis, and financial solutions for internal departments, institutions, and corporate clients. Utilizing capital market trends, data assumptions, loss and profit modeling to determine pricing and profitability margins. Focus on leveraging cost-effective capital usage, lending rates, bottom and 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 methodology 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, EBTDA & EBITDA}/ Ad Hoc, FCF, IRR, ERR, D/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 and Assumptions for Forecasting.

CORE STRENGTHS

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

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

Bachelor of Science, Finance (USF)

CAREER BACKGROUND

LENDINGPOINT, Kennesaw, GA Aug 2017 - Present

Senior Financial Planning Analyst

Developing Financial Models used to track current and future Forecasting Revenue Growth, COA, EBIT, EBTDA, EBITDA within the P&L and Balance Sheet. Cash flow analysis (Levered and Unlevered) in conjunction with debt and equity structure(s). Review and analysis of GAAP accounting. Building metrics for Effective and Nominal Rates, Assumptions and Variance Analysis. Establishing KPI’s and departmental budgets, via Excel to be used within Financial Force ERP system. Extensive Data Mining through all aspects of financial information.

Treasury Analysis and Development

Develop and present reports to senior management and team leaders

Benchmark prior, current, and forecasted data, and ID financial trends

Work with senior management and team leads to develop funnel KPI’s

CAPEX and OPEX review and consideration for cost analysis

Analysis of Business Trends vs. Assumption and Forecasting Models

JHS CAPITAL ADVISORS /AMERIPRISE, Sarasota, FL Jan 2015 – Aug 2017

Regional Associate, Financial Manager & Analyst

Provided comprehensive financial planning/analysis, budgeting {Monthly/Quarterly/Annually – dependent on the business unit} Variance Analysis dependent on financial data attributed from sales figures. Provided recommendations for future forecasting, lending solution analysis for external sales division including review of financial statements and tax documents. Conducted client needs assessment, financial reporting and modeling for both internal divisions and external B2B with an emphasis on profit. Loss, and cost analysis, analyze data and financial position/goals. Oversaw up to 35 sales and middle-management staff.

Responsible for prep and presenting review and results of month end, run rate analysis, cap funding usage. Use of proprietary data models to calculate profitability.

JHS CAPITAL ADVISORS/AMERIPRISE (con’t

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

Assisted with various internal divisions forecasting and budgeting.

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

Participated in operational initiatives to improve team performance and Best Practices.

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

Achievements:

Key member of senior team to transition 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, application to funding/closing.

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

Financial Manager & Analyst of Investments

Financial planning and analysis emphasizing on increasing profitability year-over-year. Evaluated cash flow, conducted extensive data analysis and financial reporting utilizing customized Excel models with Advanced Formulas, extensive review of financial and tax statements to appropriately identify financial solutions. Control internal Team of three local direct reports and nine at outside locations.

Achievements:

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

Received Best Practices Award (2010).

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

Process Enhancements:

Increased team production and financial analysis 70-75%.

Integral team member: Improved cash flow, financial planning and analysis processes (KPI 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, Venice, FL May 2004 - May 2008

Financial Manager

Provided comprehensive financial planning analysis. Main objectives on ROI and ROA for client base. Accountable for 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/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.

MERRILL LYNCH, Venice, FL May 2000 - May 2004

Financial Planning and 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 and Planning Specialist (2003).

EDUCATION

UNIVERSITY OF SOUTH FLORIDA, Tampa, FL

Bachelor of Science (BS), 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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