Career Summary

A finance professional with extensive banking and credit union experience with excellent analytical, financial reporting and modeling skills. Seeking a challenging position to utilize my diverse talents, experiences and problem-solving skills in a dynamic financial business. Advanced knowledge of Microsoft Excel and highly proficient in Word, T-SQL, Power Point, Access, ProfitStar, Bancware, Crystal Reporting, Epysis/Symitar, Tableau, SAP and Business Objects.

Areas of Expertise

Profitability Analysis

Budgeting and Projections

Variance Reporting

Asset-Liability Mgmt.

Peer Analysis

Interest Rate Analysis

Cash Flow Projections

Financial Modeling

Financial Reporting

Professional Experience

Ventura County Credit Union, Ventura, CA

January 2008 – Present

Director of Analytics

Managed and supervised analytics department and senior financial analyst which was responsible for creating reports to track Loan-to-Value, loan metrics by source, FICO, loan loss prediction model, etc.

Prepared monthly comprehensive presentations and reports for Executive Leadership and Board of Directors.

Worked with business managers drafting, reviewing and submitting business requirement documentation.

Developed the Asset Liability Management (ALM) Model and performed financial risk analysis including NPV and IRR. Presented results to the Asset-Liability Committee (ALCO) with analytical reviews and recommendations.

Created interest rate risk models, liquidity risk simulations and cash flow forecasts.

Established and performed detailed organizational, product, and member profitability allocating all income and expenses and identifying key economic drivers.

Single-handedly prepared and submitted regulatory financial reporting – 5300 NCUA Quarterly Call Report.

Projected and analyzed cash flow projections to ensure liquidity requirements were met.

Developed policy and reporting for concentration risk

Monitored and tracked corporate investment portfolio and reported daily overnight cash position.

Prepared annual and mid-year budget for the entire organization with detailed cash flow and income-expense projections for investments, loans and deposits. Income and expenses budgeted down to departmental levels.

Performed income and expense budget variance analysis resulting in reduced operating expenses.

Tracked loan losses and recoveries. Created loan loss allowance and provision calculation model. Prepared for CECL implementation.

Coordinated sales tax recoveries and sales and use tax due to submit to the California Board of Equalization. Resulted in recoveries of over $100k per year.

Developed and updated Enterprise Risk Management (ERM) for accounting and financial risks.

Monitored internal compliance and regulatory control for auditors and examiners. Reconciled general ledger accounts.

Prepared and submitted detailed fixed assets by location for unsecured business property tax statements.

Solely created detailed peer reports based on 5300 NCUA Quarterly Call Report data.

Developed daily report with relevant industry news article links, current balance sheet positions, trending graphs and market rates which was emailed to the management team.

Provided borrowing collateral detail reports to Federal Home Loan Bank.

Validated and posted interest accruals, monthly accruals, deferred interest and other general ledger entries.

Collected and analyzed data for direct and indirect auto lending including volume, credit scores, yield, charge-offs and recoveries. Data was critical in deciding to discontinue non-profitable indirect lending.

Tracked delinquent loans and graphed trending reports to mitigate loan losses.

Ensured data was properly mapped and imported in SQL Server and provided logic for producing SSRS Reports.

Worked weekly with mortgage team to review market rates and recommend offering rates based on competition, balance sheet risk and market competition.

Member of the Business Services Development Committee which established member business share and loan products.

Served on the Merger Committee detailing and documenting all accounting and financial procedures.

First California Bank, Westlake Village, CA

September 2012 – November 2012

Planning and Analysis Supervisor, AVP

Supervised financial analyst in charge of profitability reporting.

Prepared annual budget for the bank and holding company.

Analyzed and calculated FDIC loss-share agreements.

Telesis Community Credit Union, Chatsworth, CA

May 2003 – January 2008

Financial Analyst

Developed and managed the Asset Liability Management (ALM) Model and performed financial risk analysis.

Prepared and submitted regulatory financial reporting – 5300 NCUA Quarterly Call Report.

Performed interest rate risk, liquidity risk simulations and projected cash flow projections.

Prepared annual and mid-year budget for the credit union.

Performed income and expense budget variance analysis resulting in reduced operating expenses.

Tracked loan losses and recoveries. Calculated loan loss allowance and provision.

Pacific Capital Bancorp, Santa Barbara, CA

May 2001 – May 2003

Financial Analyst

Organized business units into consolidated corporate budget for planning purposes,

Prepared profitability reporting, including on-going maintenance of rules and methodologies.

Created monthly variance reporting at company and business unit level providing guidance to managers and presentations to senior leadership for cost control efforts.

Prepared the quarterly asset liability management reports.

International Paper, Pine Bluff, AR

August 1998 – April 2001

Business Analyst

Developed cost of goods sold and annual budget for various paper products.

Analyzed and audited finished goods and raw materials inventories valued over $50 million.

Developed and analyzed cost saving initiatives and capital projects resulting in annual savings over $2 million.

Produced monthly financial reports, reconciled general ledger accounts and forecasted financial earnings results.

Worked directly with engineers to maximize profits through production and sales.

US Army Active/Reservist

Counterintelligence Special Agent/Russian and Serbo-Croatian Linguist

Translated official documents for various state agencies.

Trusted with access to classified information, granted Top Secret Security Clearance.

Led counterintelligence investigations in Guantanamo Bay, Cuba.

Supervised tactical military intelligence team.

Education

University of Texas at Austin, TX

Bachelor of Business Administration (BBA), Major: Accounting

Volunteer Experience

Treasurer and Board Member (February 2018 to Present) – Finance Committee

Lutheran Social Services of Southern California

$16 Million in Annual Revenue

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