Christopher J. Smith

acxssh@r.postjobfree.com

**** *. ******** **.

Philadelphia, PA 19148

215-***-****

Professional Experience

Reach Capital, Philadelphia, PA

Loan Officer May 2015- Current

Assist clients with preparation of the business’ financial packages to comply with the lender’s requirements in an effort to expedite the pre-approval process.

Thoroughly analyze and reconcile the merchant’s P&L with their tax returns and bank accounts to eliminate fraud risk as well as increase the likelihood of approval.

Create and maintain excel templates to track outstanding loans.

Write Oracle reports to generate monthly, quarterly, and annual financial forecasts.

Reliance Standard Life Insurance Company, Philadelphia, PA

Budget & Cost Staff Accountant November 2014 - May 2015

Created, entered, and imported journal entries that tracked loan accruals, pre-paid balances, bank fees, and misc. adjustments.

Performed account reconciliations, created monthly P&L statements, completed year-end reports, and expensed portions of annual financial statements.

Generated financial reports through Oracle; exported report data into Excel for senior management to review and use in the preparation of monthly financial packages.

Produced, analyzed, and uploaded budget data for consumption by CFO and management teams. Then held meetings to explain variances between actual expenses and budget plan forecasts.

Reviewed completed budget templates to locate areas with significant spending changes for several internal lines of business and collaborated with Director of Cost and Budget to determine how those areas can be improved upon.

Developed proficiency in preparing financial reports and compiling data into customized Excel spreadsheets using the company’s proprietary programs such as Oracle, Varicent, and Filenet.

Long Term Disability Claims Examiner June 2013 - November 2014

Fully investigated all relevant claim issues and promptly provided monthly payments or denials.

Ensured compliance with departmental procedures and Unfair Claims Practice regulations were adhered to.

Continuously succeeded departmental expectations for monthly number of satisfied claimant’s recommendations for excellent customer service.

Univar USA, Sharon Hill, PA

Financial Analyst September 2012 – June 2013

Analyzed and prepared monthly/quarterly P&L statements while providing detailed explanations of any variances to Branch Manager.

Assisted with preparation and implication of a project that utilized a new proprietary program which lead to a decrease in operating costs by 22% during the initial fiscal year.

Projected monthly, quarterly, and yearly sales growth models for forecasting, while ensuring projected benchmarks were met.

Merrill Lynch, Wealth Management Group, Mount Laurel, NJ

Financial Services Internship March 2011 – October 2011

Researched alternative investments by helping develop analytical techniques such as asset allocation, benchmarking, and portfolio forecasting. Manipulated large data sets to run regression analysis for financial models to draw conclusions for client’s portfolio’s and investment decisions.

Interpreted and reconciled financial statements, then executed Sharpe Ratios and Risk-Adjusted Discount Rates in order to create personalized portfolios to fit client’s risk tolerance.

Education

Rutgers University, School of Arts and Sciences Camden, NJ

Bachelor of Arts in Economics May 2012

Minor in Finance GPA 3.21

Programming and Software Skills

Microsoft Office, Oracle, SAS Programming, HTML Program Editing, Bloomberg Terminal and Morningstar; knowledge of advanced Excel Functions such as macros, V and H lookups, Pivot Tables, and If-Statements.

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