James T. Neuner, MBA

*** ********** ***** *****: 716-***-****

Williamsville, NY 14221 Cell: 716-***-****

e-mail: ac77zo@r.postjobfree.com

Executive Profile

Accomplished Financial Executive with over 20 years of results-oriented experience in financial policy and procedure development, accounting and administration, MBO and budgetary management exhibiting strong organizational, interpersonal and communication skills.

University of Phoenix 10/17 – Present

University of Phoenix – Online Teaching of Financial Accounting and Retirement and Investment Planning.

ICONMA, LLC – Troy Michigan 03/17 – 09/17

Commercial Credit Risk Analyst – Contract Basis – HSBC Bank – responsible for creating and/or revising Credit Policy, procedures and guidelines to account for changing regulatory, economic and political environments. Assists in identifying, measuring and controlling credit risk throughout the institution by participating in credit risk projects. Continually updates procedures, and data dictionaries. Ensures system controls are in place. Reviews and tracks any system errors.

●Provide special analyses utilizing internal and external data sources to identify risk and provide insight into developing trends in the Company credit risk profile for management, Group and Board reporting.

●Gages impact of wholesale underwriting policies against wholesale portfolio to ensure policies are mitigating losses to the company.

●Collaborates with other areas within Risk to ensure full compliance with relevant credit policy standards as set forth in Credit Policy manual.

●Ensures credit wholesale credit policies and standards are fully followed and mitigate loss to the company.

Strauss Group – Buffalo, NY 2/16 – 12/16

Commercial Portfolio Underwriter – Contract Basis – First Niagara/KeyBank - responsible for performing in-depth analysis and assessment of midsize business customers' requests for loans, to determine credit quality and appropriate structure of loans granted. Required interaction and relationship development with business customers and First Niagara Relationship Managers.

●Determined which financial and historical data is necessary to property assess credit risk of the applicant.

●Followed regulatory credit guidelines, policies and practices. Conducted in-depth analysis of applicants' current and historical financial data and business, including cash flow, profit/loss, assets, investments, debts, principals' personal financial information, tax returns, third-party credit reports, business plans and projections.

●Conducted in-depth analysis of financial data with respect to prospective guarantors.

●Prepared accurate and objective credit write-ups based upon in-depth analysis of the overall financial strength and weaknesses of each borrower within established timeframes.

U.S. Small Business Administration Buffalo, NY – 9/05 – 12/15

Supervisor – responds to the most complex concerns of loan applicants/borrowers and serves as a resource for junior members of the Customer Service Department, providing status on applications and reasons for Agency actions.

●Analyze and review financial statements submitted by borrowers in support of their loan requests to insure accuracy and conformity to accounting principles.

●Provides leadership and technical guidance to subordinate team members

●Closes all types of home, business and economic injury disaster loans.

●Advises borrowers of their rights and obligations under the condition of the loan authorization.

●Navigates multiple and complex computer systems for purposes of researching and responding to applicants inquiries.

●Analyzes call patterns and trends.

●Forecasts anticipated activity levels based on pending disaster activity and seasonal criteria.

●Determiner required staffing levels and develops optimal shift and schedules.

The Executive Performance Center 3/05 – 7/05

Controller – responsible for the accounting and technical needs of a new facility designed to provide the setting for off-site meetings, strategic planning sessions, or a rejuvenation retreat for high-level executives in a 5-star white-glove atmosphere.

●Revised payment procedures that eliminated duplicate payments and stopped unnecessary payments of sales tax resulting in a return of $3,300 and a savings of thousands more.

●Resubmitted annual workmen’s compensation audit resulting in a savings of over $2,000.

●Changed accounting system from Peachtree to Quickbooks allowing for the financial statements to be printed on a cash basis for tax purposes and an accrual basis for management reporting.

U.S. Small Business Administration Niagara Falls, NY – 9/04 – 3/05

Business Loan Officer - temporary position responsible for analyzing and quantifying the effects of disaster-related economic hardships on qualified businesses.

●Conducted the analysis of financial statements, tax returns, and other pertinent data to determine, eligibility, and repayment ability.

●Recommended collateral requirements to secure financing in accordance with policy guidelines.

Niagara County Community College 4/03 – 8/04

Director of Financial Reporting - responsible for staffing and supervising eight persons in cash management and investments, payroll operations, budgeting, inventory control, and grant auditing and reporting for a Community College with an annual Budget of $34 Million. Reported to the Vice President of Finance. Joined the organization in the beginning of their second major software conversion in less than three years.

●Successfully directed the conversion of the payroll system that handled over 450 employees and represented over 60% of the total budget.

●Provided financial analysis to management team to help resolve a yearlong contract negotiation with one of the employee unions.

●Developed Excel template to show the current and long-term financial impact of contractual obligations in Retirement incentives, accrued vacation, sick and personal time.

Buffalo Sheet Metal, Inc. Buffalo, NY 5/01 – 4/03

Controller – for a $15 Million Heating and Ventilation manufacturer and Contractor with up to 120 employees. Supervised a staff of three accounting and administrative personnel in Accounts Receivable, Billing, Accounts Payable and payroll using the Timberline Accounting system.

●Revised purchasing policy for manufacturing facility and recovered over $25,000 in Sales Tax payments made in error.

●Corrected billing process that was using outdated price sheets by obtaining new price lists from vendors resulting in the additional billing of over $30,000 in the first three months.

●Successfully negotiated numerous payment arrangements with vendors and taxing authorities in order to maintain sufficient cash flow for operations.

Frontier Lumber Company, Inc. Buffalo, NY 1/99 – 2/01

Controller – for $15 Million Lumber & Millwork company. Supervised a staff of four accounting and administrative personnel in Payroll, Human Resources, Accounts Receivable, Billing and Accounts Payable. Management representative and chairman on Safety and Pension committees. Handled all Credit and Collection activity.

●Directed installation of CAD Network to support new NCR machine.

●Directed installation of Security and Network hardware in new manufacturing facility.

●Negotiated and implemented change in 401(k)/Pension plan from a management-directed to an employee-directed plan.

American Diamond Tool, Inc. Buffalo, NY 4/98 – 1/99

Controller – for $8 million manufacturer of Diamond Cutting Wheels and Tools.

●Revised accounting entries and statements in Peachtree Accounting System for eight months of operation without any accounting personnel..

●Revised and updated inventory records resulting in the elimination of duplicate inventory for a savings of $20,000.

Ardent Premium Plan, Inc. Buffalo, NY 9/96 – 2/98

Controller – for $15 million Premium Finance Company. Supervised 8 persons in Payroll, Human Resources, Accounts Receivable, Cash Receipts, Billing, Premium Collections and Accounts Payable. Selected as a member of the Management Team that reviewed and set company policy.

●Revised cancellation policy by express-mailing multiple cancellation notices to insurance companies saving an average of two days earned premium per policy and resulting in a savings of over $50,000 annually.

●Uncovered and corrected a computer error in Bad Debt placements to Collection Agencies that missed an average of $10,000 in placements per month. The change resulted in an increase in recoveries of approximately $25,000 annually.

●Set budgetary policy and assisted other members of the management team in establishing budgetary goals.

Carborundum Corporation Niagara Falls, NY 1994 – 1996

Credit Associate

●Responsible for credit and collection activity on receivables averaging $16MM per month.

●Obtained and analyzed payment and financial information needed to set and revise credit limits.

●Reviewed orders and established additional requirements, if needed, for customer purchases.

Temporary Positions

Carborundum Corporation Niagara Falls, NY – Credit Associate 1993 – 1994

Spinneybeck, Inc. Buffalo, NY - Credit Manager/Consultant 1993 – 1994

U.S. Small Business Administration Niagara Falls, NY – Loan Officer 1992 – 1993

Borcross Freight Services Buffalo, NY – Toronto, Ontario 1989 – 1992

Manager, Administration (1990 – 1992)

●Responsible for Credit, A/R, Billing, A/P, Data Processing, Driver Payroll & Fuel Tax.

●Relocated administrative functions from Toronto to Buffalo, including staffing and training.

●Selected, recommended, and purchased new AS-400 software package for division.

●Trained personnel on software use. Installed and maintained data base.

●Set up chart of accounts. Analyzed and reconciled accounts. Reviewed and rectified discrepancies.

●Negotiated telecommunications contract resulting in first year savings in excess of $50,000.

●Brought Fuel Tax and Driver Payroll functions in-house resulting in considerable cost savings.

Corporate Credit Manager (1989 – 1990)

●Responsible for accounts receivable averaging $3.5MM per month in U.S. and Canadian accounts.

●Visited accounts to negotiate payments and establish collateral and/or security requirements.

●Improved ‘DSO’ (Days Sales Outstanding) from 65 to 45 days.

●Supervised EDP department consisting of three programmers and covering four locations.

Additional Experience

Accounting

Medaille College – Adjunct Instructor - Undergraduate Program (6/98 – Current) – Financial Accounting, Management Accounting & Economics

University of Phoenix (Online) - Adjunct Instructor - Graduate MBA Program (4/04 – Current) – Accounting & Finance For Management Decision Making

Information Systems

Hardware - AS-400 – Data Base Administrator. Software - Excel, Timberline, Quickbooks, Peachtree and other Accounting Software

Education

M.B.A. Concentration – Information Systems – State University of New York, Buffalo

B.S. Business Administration Concentration – Accounting - State University of New York, Buffalo

Associations

National Association of Credit Management - Board of Directors, Finance Committee, 2001-2003

Institute of Management Accountants (Buffalo Chapter) – Board of Directors, Treasurer, 1999 - 2001

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