PATRICIA H. GARARD

***** ******** ~ Charlotte, North Carolina 28269

631-***-**** ~ aco3km@r.postjobfree.com

OVERVIEW OF QUALIFICATIONS

Goal driven Financial Analyst and Manager with demonstrated ability in

portfolio analysis and risk assessment, as well as financial forecasting

and reporting. Leverages strong analytical skills to create and execute

complex models in support of business goals.

Expertise in accounting and financial standards including GAAP, SEC

reporting regulations, Mergers & Acquisitions and Transactions Services.

Dynamic leader with proven ability to manage teams to high performance

outcomes, improve efficiency and implement ongoing training initiatives.

Serves as a trusted advisor to senior leadership regarding financial

decision-making.

Treasury Services Internal Controls Accounting Financial Analysis

Public Sector Finance Banking Operations Team Development Risk

Assessment Due Diligence Contract Review

OUTSTANDING PROFESSIONAL ACCOMPLISHMENTS

. Reduced reconciliation errors and processing time at BNP Paribas by

50% by developing and implementing internal controls that enhanced

asset loan management loan administration processing procedures and

automated the investment reporting process.

. Improved office workflow and culture at Laurus Funds through dramatic

changes in the office operations by promoting team work which

increased productivity.

. Improved Anti Money Laundering compliance for asset backed securities

at JP Morgan Chase by creating and implementing risk assessment

strategies that included data aggregation and reporting processes to

address breaches and concentration risk.

EMPLOYMENT HISTORY

DREAM CLEANING SERVICE, Islandia, New York 2009 - Present

Financial Consultant

. Direct and oversee all financial activities related to business

operations, capital expenditures and reporting compliance.

. Establish and maintain internal controls to ensure efficiency and

optimize P&L. Create detailed analysis of sales activity including P&L

analysis, balance sheet reviews and ad hoc reporting as requested by

senior management.

. Track weekly operating expenses and prepare monthly expense reports.

. Monitor equipment maintenance schedules and calendar preventative

maintenance requirements.

INDEPENDENT CONSULTANT, New York, NY 2012

Financial Analysis and organizational Support

. Recruited to complete various contract assignments for financial

institutions including Suffolk County National Bank,Capital One Bank

and FIS International Systems.

. Contributed to the business objectives of the Leasing and Finance

Department at Capital One and managed check postings for Quick Pay

payments and returned checks. Reviewed leasing document set up and

amended contract payments when required. Ensured monthly reporting

guidelines by creating a schedule of reports.

. Served as product owner and ACBS User Experience Analyst for FIS

International which included supporting team objectives by organizing

meetings across multiple time zones for project team updates,

maintaining team calendar for status updates and developing Power Point

presentations.

. Maintained expertise regarding policies and procedures related to

lending, credit ratings and problem loan monitoring.

. Developed operational flow charting analysis and authored test

procedures to implement in Global system programming.

BNP PARIBAS, Jersey City, New Jersey 2007 - 2009

Team Leader - Asset Based Lending and Syndicated deals Loan Administrator

- Portfolio Analyst

. Contributed to the preparation of secured lines of credit reviews and

maintained the calendar for scheduled asset liabilities management

credit reviews.

. Reviewed and interpreted complex secured loan documents and made daily

trade settlements for derivatives, foreign exchange and Libor pricings.

. Contributed to portfolio pipeline management by conducting research and

test projects for managers and overseeing analytical support, and

database updates.

LAURUS FUNDS, New York, NY 2006 - 2007

Senior Asset Backed Securities Portfolio Management Administrator

. Directed and oversaw all back office securities inquiries and issues

and participated in credit/risk management reviews.

. Oversaw internal controls including analyzing P&L, balance sheet,

inventory and capital expenditures required to maintain asset

management securities and credit lines.

. Analyzed cash flow analysis, inventory analysis, asset backed

securities reserves and trend analysis. Reported to loan officer on a

quarterly basis to comply with loan parameter set in the loan

specifications.

. Managed daily transactions such as wire transfers, security advances on

collateral, incoming cash flow, libor pricing, offshore trading deals,

syndicated lines and trade break resolutions.

WEBSTER BANK, New York, NY 2005 - 2006

Senior Portfolio Analyst, Asset Based Lending Operations

. Ensured the accuracy of complex legal loan documentation and monitored

asset securities for approved lines of credit for asset backed

securities, syndicated deals and trade settlements.

. Established performance objectives for employees and created training

initiatives to ensure compliance with business objectives.

. Monitored syndicated lines, buybacks, FX trades, libors, swaps, and

trade break resolutions to ensure compliance with set loan limits

described in the client's loan specifications.

. Drove efficiency and workflow at Webster Bank by updating operations

manual and cross training employees on standard procedures which

reduced operations expenses.

JP MORGAN CHASE, Jericho, NY 1989 - 2004

Senior Asset Based Lending anss Structured Finance Portfolio Management

Administrator

. Pioneered improved funds transfer agreement compliance procedure to

establish and maintain compliance with the Patriot Act regulation,KYC

and CRM, Syndicated .

. Ensured customer satisfaction by liaising with clients and syndication

contacts and providing resolutions to customer and management

inquiries.

. Analyzed accounting for revenue, expenses and fees and produced

financial reports for internal review by senior management.

. Created and implemented ongoing training and development initiatives to

ensure staff knowledge of asset backed security lending portfolio,

Assistant Treasurer of Operations Portfolio Manager

. Developed BUC revenue forecasting from clients data.

. Analyzed revenues and expenses and monitored syndicated lines,

buybacks, FX trades, libors, swaps, trade break and resolutions.

Senior Loan Administrator Account Manager

ACADEMIC BACKGROUND

AMERICAN INTERCONTINENTAL UNIVERSITY

Master of Business Administration, Concentration in Human Resources,

2004

COLLEGE AT OLD WESTBURY, SUNY

Bachelor of Science in Business, Concentration in Accounting, 2002

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