JOSEPH B. CUSOLITO

**** ** ****** *******

San Pedro, CA 90732

310-***-****

ac3cq5@r.postjobfree.com

EDUCATION California State University, Long Beach

Bachelor of Science, Finance.

University of California, Los Angeles

Supplemental accounting units for CPA exam eligibility. CREDENTIAL California Board of Accountancy

IN PROGRESS CPA CANDIDATE: Eligible to sit for CPA exam. SCHEDULED Investment Banking Institute, (www.ibtraining.com) INSTRUCTION Will attend in December 2017, one month intensive in person Investment Banking seminar. Upon completion will possess the following analytical skills;

• Financial statement analysis, valuation methodologies and financial modeling

• "Normalized" and "Spread" historical and projected financial statements, including in depth analyses of operational and leverage ratios

• Company valuations utilizing (i) comparable public company analysis, (ii) precedent transactions analysis and (iii) discounted cash flow (DCF) analysis

• Build fully integrated cash flow models, including 5-year projections, debt and interest schedules, revolver modeling and sensitivity tables

• Model leveraged buy-out (LBO) and merger scenarios, with emphasis on sources and uses, pro forma financial statements, purchase price considerations, synergies, accretion/dilution and ratio analyses, among other concepts

• General investment banking processes such as pitching, debt and equity financing and sell-side M&A

EXPERIENCE Bank of the West, 2010 - present

Commercial Credit Analyst (2015 - present): Produce qualitative financial review for credit requests. Analyze credit including financial statement spreading analysis, tax return analysis, and financial statement projections to make recommendations of client's credit situation. Ensure portfolio maintenance by monitoring delinquencies and assisting with the preparation of extension requests. Set up covenant and compliance tracking. Provide support to the regional and division managers for special projects and reporting tasks. Assist Relationship Managers and others with completion of Credit Requests and other tasks as needed, providing analysis and review as applicable in a timely fashion free of errors. Capital Markets Middle Office Analyst (2010 - 2015): Maintained sales and compliance support for interest rate derivative traders and relationship managers. Scrutinized all pending trades for Dodd-Frank guidelines and OFAC compliance. Administered trade approval for satisfactory transactions. Monitored total daily market risk exposure of bank’s active derivatives portfolio. Worked extensively with ISDA documents, drafting and editing according to client’s specific deal requirements. Quest Capital Strategies, 2006 - 2010

Registered Brokerage Representative: Supplemental occupation; open investment accounts and place securities trades. Work performed on a part time/spare time basis. FINRA S7 & S66. United States Department of the Treasury - Internal Revenue Service, 2009 Revenue Agent: Audit various tax returns within the Small Business/Self-Employed group. Performed reconciliation of taxpayer income and expenses to bank account transactions. Arranged face to face meetings with taxpayers. Also made field visits to taxpayer homes and businesses. Calculate adjustments and assess penalties if necessary.

SOFTWARE General Office

MS Excel, Word, Outlook, PowerPoint