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Experienced Finance & Strategy Analyst

Buffalo, NY
September 29, 2020

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Michael Franciosa 716-***-****


Niagara University Lewiston, NY

Bachelor of Science in Economics Jan 2018


KeyBank Cleveland, OH

Lead Treasury Analyst Apr 2020 – Sep 2020

Analyze total bank Net Interest Income and Net Interest Margin and present results to CFO and executive leadership

Partner with Investor Relations to develop reports for earnings calls and prepare 10-Q

Evaluate the impact of interest rates changes and construct derivative investments to hedge the balance sheet exposure

Collaborate with the Wholesale funding desk to forecast and monitor bank’s cash position and borrowing capacity

Actively participated in $7.0 billion dollars of treasury bill purchases, increasing Average Earning Assets by over $600 million dollars.

Reduced deposit costs by 7 basis points month-over-month

Conduct continuous research and peer analysis to provide management with industry trends and strategy opportunities

M&T Bank Corporation Buffalo, NY

Financial Analyst Corporate FP&A Aug 2019 – Apr 2020

•Analyst for the Bank’s CCAR/Stress Test Group, encompassing capital structure and regulatory submissions to the Federal Reserve

•Cover $15 billion dollar consumer loan portfolio including HELOC, indirect auto, retail credit card and analyze market trends that can impact each revenue stream

•Forecast revenue and expenses to present Net Interest Margin and Net Interest Income projections to Capital Management and Risk Management Committees

•Utilize quantitative methods to assess risk, make recommendations for Provisions for the Allowance for Loan and Lease Allowance

Venture Forthe Incorporated (Personalized Home Health Care) Niagara Falls, NY

Project Analyst – Internal Operations Based & Strategy Projects Jun 2016– Aug 2019

•Utilized VBA and R to forecast outcomes of company operations utilizing cost metrics and linear regression models

•Developed a match-based algorithm that resulted in a 15% decrease in employee turnover and $45,000 annual reduction of recruiting and training costs

•Created VBA macros to automate data management tools and decrease input errors by 20%

•Introduced SQL to compile quarterly data and structure reports with cohesive information for management to present to Board of Directors meetings

Technical & Financial Proficiencies

Technical: Excel including vlookups, pivot tables, index matching, Visual Basic for Applications (VBA) including Monte Carlo & Regression Analysis, PowerPoint, Bloomberg, SNL Financial S&P Global Intelligence, IBM Cognos, Oracle Hyperion & Essbase, Pro Forma, Structured Query Language (SQL), Exposure to R Programming Language, Hypothesis Testing, Data Manipulation

Financial: Advanced modeling skills including DCF, Leveraged Buyout valuations. Completed Training the Street Wall Street Prep Course, Fixed Income valuations including duration and convexity, derivative instruments

Interests: Avid cyclist, hiker, hockey player and photographer

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