Brian M. Conzelman, MBA

**** ******** ***, ****** ***** PA 19090

Cell: 215-***-**** Email: adya14@r.postjobfree.com

Senior Financial and Credit Analyst/Portfolio Management

A detail oriented senior analyst with solid experience in credit, financial and portfolio analysis, innovation and an entrepreneurial approach to building value, market share and customer loyalty. A proactive, assertive and independent individual who works with a sense of urgency to reach corporate and individual goals. Result oriented persona that delivers clear, concise detailed work within deadlines.

Professional Experience

CRS&C, Philadelphia, PA 9/2021-Present

PORTFOLIO & ASSET MANAGER/SENIOR FINANCIAL ANALYST

Perform complex economic and financial research and analyze internal and external issues related to sales, gross margin, rate of return, working capital, investment, financial performance, share repurchase, and other financial metrics.

Prepare complex financial analyses utilizing cash flow/ROI models as well as other analytical tools (including DCF, NPV and IRR) to support significant business and investment decisions.

Conduct, perform, report, and present special financial and statistical studies as directed in coordination with other departments.

Responsible to protect and preserve the integrity of the pooled or individual portfolio while sustaining profitability, accurately accessing/managing risk, and managing the annual review process.

Prepares financial models, credit memorandums and has conceptual and practical knowledge of credit policies with the ability to apply them to a variety of situations.

Exhibits general understanding of organizational structures, documentation, covenants and/or collateral structures.

Prudential Bank, Huntingdon Valley PA 7/2019-9/2021

CONSTRUCTION PORTFOLIO MANAGER

Provide and present analytical support on all financial information to senior management for quarterly investor conference calls and preparation of the financial package for Ownership.

Conduct, perform, report, and present special financial and statistical studies as directed in coordination with other departments.

Management of investment portfolio of $1B+.

Prepared written credit analyses on prospective community banking clients for presentation to appropriate approval authorities.

Negotiate with internal and external clients to best support the Bank’s interest margins and best interests.

Monitored existing clients, along with correspondent relationships, through monthly and annual financial analysis and compliance reviews, monitor ongoing collateral risk, assign/validate risk ratings on a regular basis, responsible maintenance of applicable databases, notify appropriate internal parties of covenant breaches and other significant events, formulate breach management strategies and prepare forbearance/waiver memos accordingly. Also, conducted on-site Financial Due Diligence of the client, where warranted.

PNC Bank, Horsham PA 4/2014-6/2019

SENIOR PORTFOLIO MANAGER/SENIOR FINANCIAL ANALYST

Responsible for analyzing middle market deal flow for ensure strict adherence to defined credit policies and procedures. Thoroughly reviews credit data and financial statements to assess the level of risk involved in extending funding.

Prepared written credit analyses on prospective clients for presentation to appropriate approval authorities. Included in this process are the spreading/analyzing and reconciliation of financial statements, preparing and discussing due diligence questions with the client, and assigning an appropriate risk rating.

Primary analyst to provide support in growing the Franchise Portfolio from $10MM in FY16 to over $301MM YTD FY18.

Lead several projects to assimilate existing portfolio of ECN Capital (predecessor) to confirm with the guidelines of PNC Bank along with bank audit support.

Currently only one of two portfolio managers responsible for an investment portfolio in excess of $1B+ with 180 clients.

Comprehensive analysis included: discounted cash flow analysis, debt service coverage, market/industry analysis, collateral evaluation, etc. Provided interpretation of financials and made recommendations on client relationships. Reviewed and set covenants and provided mitigants for breaches if necessary.

The Bank of Princeton, Princeton NJ 8/2011-4/2014

SENIOR FINANCIAL ANALYST

Analyze financial spreads, projections, and cash flows; review collateral and guarantor status. Assess and formally review client risk through periodic audits and credit file reviews. Conducted in-depth financial analysis of existing and potential borrowers. Prepared written loan requests including commentary on company financials, collateral to verify compliance with bank policies and government regulation.

Prepared written credit analyses on prospective community banking clients for presentation to appropriate approval authorities.

Responsible for the analysis of all types of loan documentation to detect incomplete, insufficient or questionable information and independently follow up with various parties to reconcile differences.

Assisted in numerous work out situations with clients in restructuring terms/amortization along with making adjustments to payments to ensure the bank would be made whole again as quickly as possible.

Ally Financial, Fort Washington, PA. 12/2010-5/2011

PORTFOLIO MANAGER

Responsible for conducting an in-depth financial analysis of existing and potential warehouse lending clients. Active involvement with the credit approval, review, monitoring/compliance and credit structuring processes, with a concentrated focus on credit quality, risk management and value increasing client consultation. Responsible for improving discounted cash flows from operations through detailed cost accounting and revenue diversification. Prepared spreadsheets, credit analyses, annual reviews, quarterly evaluations, monthly compliance reports and other related documents on existing and prospective GMAC Bank clients. Accountable for build strong working relationships with clients.

Managed portfolio valued at approximately $170-200 million (seasonality fluctuations).

Monitored existing clients, along with correspondent relationships, through monthly and annual financial analysis and compliance reviews, monitor ongoing collateral risk, assign/validate risk ratings on a regular basis, responsible maintenance of applicable databases, notify appropriate internal parties of covenant breaches and other significant events, formulate breach management strategies and prepare forbearance/waiver memos accordingly. Also, conducted on-site Financial Due Diligence of the client, where warranted.

Prepared written credit analyses on prospective clients for presentation to appropriate approval authorities.

Worked on projects to further enhance the efficiency/accuracy of product and consumer performance reporting systems. Lead team in creation of the 'Red Flag System' to identify potential future threats and unnecessary risk exposure.

Liaison to management clients in the counseling of maximizing ATNW value, equity and debt structure, analysis of current and forecasted market conditions.

Coordinated the development of annual budgets for clients with continued performance monitoring.

Was principally involved in the overall organic growth of the Portfolio by 8.5% in under one year.

Evaluated and recommended changes in loan pipelines, hedging activities and future strategy implementation.

TD Bank, Philadelphia, PA. 2/2009-12/2010

ASSISTANT VICE PRESIDENT - SENIOR FINANCIAL ANALYST

Conducted in-depth financial analysis of existing and potential borrowers. Prepared written loan requests including commentary on company financials, collateral to verify compliance with bank policies and government regulation.

Sr. Analyst of the Bank’s central credit pool, responsible for providing service to all regional offices on the more complex deals.

Provided training, development and oversight of Jr. Analysts, new hires and interns .Involved in recommendations for hires, terminations and performance evaluations.

Comprehensive analysis included: discounted cash flow analysis, debt service coverage, market/industry analysis, collateral evaluation, etc. Provided interpretation of financials and made recommendations on client relationships. Reviewed and set covenants and provided mitigants for breaches if necessary.

Involved in ongoing modification of underwriting processes, policies and operations to improve efficiency.

Continuously refined strategic plans for the client's expansion of their primary core competencies.

Ensured an efficient and effective transfer of knowledge from the relationship manager to the approving authorities.

Sovereign Bank/Santander, King of Prussia, PA.9/2007-2/2009

SENIOR FINANCIALCREDIT ANALYST

Analyze financial spreads, projections, and cash flows; review collateral and guarantor status; prepare profitability projections. Assess and formally review client risk through periodic audits and credit file reviews. Assist with legal closing process; prepare, review, and validate documentation, ensure compliance and conditions are met

Responsible for the oversight of the middle market commercial portfolio in the mid-east. Total credit exposure for the portfolio was over $400 million.

In charge of generating financial spread analysis, creating annual reports for all relationships and incorporating numerous profitability, debt service, liquidity and leverage computations.

Directly engaged in the valuation of both public and private companies using various models/tests including, but not limited to: market value added benchmarks, economic value added measurements, EPS valuation, cost of capital structure, marketing approach using comparable deals/transactions etc.

Created a profitability model to better assess relationships in relation to expenses to cash flow spreads.

Recommended lending stability, exposure amount and rates for all relationships within portfolio including new endeavors. A large amount of the portfolio facilities were syndicated involving numerous lending entities which required negations to determine the most efficient relationship for Sovereign.

Monthly variance analysis of both the company and related industry benchmarks.

Acted as a conduit for regional, national and global research and activity focusing on business development as it applied to corporate development and sustainability, with an emphasis on developing opportunities.

EDUCATION

Bachelor Degree - Finance, Minor in Business Management and Philosophy, Pennsylvania State University, PA 2004.

MBA w/Finance Concentration, LaSalle University PA 4/2012.

Formal Personal and Business Credit Training, including numerous Risk Management Association (RMA) courses.

Experienced with Excel, Access and most major MS Office Programs, nCino, Moody's Spreading Software, CARRS Spreading Software, CoStar, Dashboard Reporting Program and Financial Accounting Standard Board (FASB) and Generally Accepted Accounting Principal (GAAP) protocols.

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