Finance Manager

OBJECTIVE: To find a permanent, full-time career position with a company that complements my education, skills, and experience.

EDUCATION: Western New England College, Springfield, MA Bachelor of Science in Business Administration; May 2000 GPA: 3.3

SKILLS: Excellent communication and presentation skills; Experience using ProfitStar software, Callahan Peer software, SNL Peer software, and Jobboss software; Strong analytical abilities; Proficient in Excel/Word/Powerpoint; Trained in Quickbooks software, advanced Excel, PowerPivot, Dashboarding, and SQL

EXPERIENCE:

Starbase Technologies, Inc., Finance Manager & Planner Jan 2021 - Dec 2021

●Assumed all CFO related responsibilities of privately owned manufacturing company.

●Completed monthly financial closing.

●Accounts receivable invoicing and collections.

●Approved all Accounts Payable expenditures.

●Managed liquidity and cash flow.

●Created financial forecasting and planning tools for strategic financial management.

●Financial Reporting and analysis.

●Worked with company's external accountants.

National Bank of Coxsackie, Senior Financial Analyst/Interim CFO Dec 2019 - May 2020

●Hired to fill in as Interim CFO while CFO was out on maternity leave.

●Assumed all CFO responsibilities which included working with external accountants regarding the Bank's tax returns, assisting auditors with the completion of the Bank's year end audited financial statements, worked with third party vendor on setting up new ALM software, financial reporting to the Board of Directors, month end closing, Liquidity Management, Asset Liability Management (ALM), investment of excess liquidity, borrowings, established MULOC's with FHLB, and budgeting/forecasting.

●Supervised two finance staff members.

National Union Bank of Kinderhook, Assistant Vice President Finance Jan 2016 - Jul 2019

In Addition to Previous Responsibilities:

●Took initiative to develop 2019 Budget with supporting assumptions, economic & financial trends and analysis. Collaborated with Senior Executive Management and Dept. Heads to incorporate their input.

●Made product structure and pricing recommendations to improve financial performance and/or mitigate risk.

●Performed Accounts Payable.

Senior Financial Analyst (Jan 2016 - Jun 2018)

●Performed Asset Liability Management (ALM) and reporting such as Net Interest Margin, Net Interest Income, and Net Economic Value. This included model setup, reconciliation of data files/downloads, data input, data forecasting, and maintenance of the ProfitStar ALM Modeling Software interface with the company’s core data system. Completed modeling assumption analysis and associated documentation.

●Analyzed and measured interest rate risk, liquidity, investments, and capital to ensure results were in compliance with internal policies as well as regulations. Informed executive management and ALCO of results that were outside of policy parameters and why.

●Maintained policies pertaining to interest rate risk, investments, liquidity, and capital in adherence to regulations and made recommendations on policy changes as appropriate.

●Completed investment pre-purchase, broker/dealer, and corresponding financial institution due diligence.

●Performed liquidity management, monthly and quarterly board reporting, capital planning, and financial analysis.

●Completed all stress testing analysis regarding liquidity, balance sheet projections, income statement projections, and capital ratios.

●Assisted CFO in Budgeting process.

●Produced monthly actual versus budget variance analysis and reporting.

●Managed financial forecasting for short and long range planning.

●Assisted CFO with completion of annual proxy statements for annual shareholder’s meeting.

●Audited Allowance for Loan Loss analysis completed by VP of Credit Administration.

●Completed vendor financial reviews for vendor due diligence of institution.

●Approved all expenditures.

●Reconciled various general ledger accounts monthly.

●Completed 1502 SBA Loan Participation Reporting.

Greylock Federal Credit Union, Investment Officer & ALM Manager Jan 2003 - Feb 2015

●Managed and performed all investments, borrowings, liquidity, Asset/Liability Management (ALM), Concentration Risk, and financial analysis for the Credit Union.

●Led Investment Committee, Balance Sheet Management Committee, Asset/Liability Committee (ALCO), and Deposit Pricing Subcommittee Meetings.

●Created new deposit products and established new product implementation process.

●Strategic driver of long term profitability, capital growth/preservation, and risk mitigation.

●Completed vendor financial reviews for vendor due diligence of institution.

●Maintained lease agreements and associated rent schedules.

●Completed investment and lease schedule footnotes for annual audit.

●Cross-trained to serve as a backup for month end closing process for CUSO (consisting of Greylock Insurance Agency, Greylock Investment Group, and Greylock Marketing Group).

●Cross-trained finance/accounting staff on ProfitStar ALM Software.

●Assisted CFO in Budgeting process and expense control.

●Worked closely with vendors and consultants.

Senior Financial Analyst (Jan 2006 - Jan 2011)

●Trained Financial Analyst to operate and maintain ProfitStar ALM Software, complete modeling assumption analysis/documentation, and production of ALM reports (Interest Rate Sensitivity Analysis and Net Economic Value Analysis) as well as What-If Scenario Modeling.

●Directed Financial Analyst regarding project completion and reporting to meet required reporting deadlines.

●Supervised and reviewed work completed by Financial Analyst to ensure accuracy and data integrity.

●Actively managed up to a $250M fixed income investment portfolio for a $1.3B Credit Union. Executed all purchase/sale transactions with numerous brokers/dealers. Established and fostered relationships with broker/dealers and performed associated annual due diligence. Made recommendations to CFO and Investment Committee for all investment related decisions/strategies.

●Managed the Credit Union’s liquidity/borrowings from all levels including cash management, cash flow analysis, forecasting, and stress testing. Assisted with establishing lines of credit for potential liquidity sources.

●Presented all investment activity and ALM to management and ALCO. Executed strategies approved by Investment Committee, Balance Sheet Management Committee, and ALCO.

●Actively involved in Balance Sheet Management Committee decision-making and strategies which include product pricing, financial impact analysis, NIM, capital growth, risk mitigation, etc.

●Created Liquidity Contingency Plan, Capital Retention Plan, and Concentration Risk (CR) Policy. Developed all CR analysis, measurement, and reporting for Credit Union.

●Maintained Investment Policy, Liquidity Contingency Plan, Capital Retention Plan, CR Policy, and ALM policy as well as proposing recommended policy changes to ALCO in adherence to regulations.

●Interacted directly with NCUA Examiners and external auditors on ALM, Investments, and Liquidity reviews.

●Provided Senior Management with economic updates and interest rate forecasting for ALM modeling and budgeting process.

●Performed all Peer Financial Performance analysis and benchmarking.

Financial Analyst (Jan 2003 - Jan 2006)

●Operated and maintained the ProfitStar Asset/Liability Management Modeling Software which included model setup, reconciliation of data files/downloads, data input, data forecasting. Completed modeling assumption analysis and associated documentation. Worked with CFO, Controller, and other Credit Union management to gather forecasting assumptions used to produce quarterly ALM Modeling (Interest Rate Sensitivity Analysis and Net Economic Value Analysis), What-If Scenario modeling, and annual Budgeting process.

●Maintained all investment and borrowing backup documentation for transactions executed by CFO. Performed all associated cash flow schedule analysis for investments and borrowings.

●Performed all financial analysis for Credit Union including any ad hoc analysis requested by CFO or Senior Management.

●Completed all monthly, quarterly, and annual financial reporting for ALCO, Balance Sheet Management, Deposit & Loan Pricing, and Investment Committee Meetings. Participated in those various Committee Meetings by serving as primary resource to senior management and Board of Directors with financial analysis used to drive results and mitigate risk of Credit Union.

●Presented and explained ALM results to management and ALCO Committee (Subcommittee of Board of Directors).

K*B Toys Inc., Budget Analyst Jul 2001 - Dec 2002

●Maintained, reviewed, and monitored all capital expenditures issuing monthly & quarterly reports

●Budgeted and analyzed sales based on historical data and input from upper management

●Assisted in the preparation and completion of major budget submissions

●Tracked and reconciled headcount for entire Home Office while generating monthly reports

●Budgeted and analyzed various expense accounts during the year

●Assisted in completion of monthly fixed asset additions and reconciliations

COMMUNITY INVOLVEMENT:

●Chaired Employee United Way Campaign for K*B Toys, Inc, and Greylock Federal Credit Union.

●Served as United Way Workplace Campaign Executive on loan from Greylock Federal Credit Union.

●Served two years on Board of Directors for local chapter of the Recording for the Blind & Dyslexic.

●Participated, organized, and assisted in numerous charitable golf tournaments annually to raise money for local non-profit organizations.

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