Senior Financial Analyst

Brian M. Conzelman, MBA

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

Cell: 215-***-**** Email: **************@*****.***

Portfolio Manager/Senior Financial and Credit Analyst

A detail-oriented senior analyst with expertise in credit, financial, and portfolio analysis. Proactive and results-driven, with an entrepreneurial mindset to drive value and market growth. Delivers clear, concise work within deadlines while achieving corporate and individual goals.

Professional Experience

CR&SC, Philadelphia, PA 9/2021-Present

PORTFOLIO & ASSET MANAGER/SENIOR FINANCIAL ANALYST

Responsible for financial analysis, risk assessment, and portfolio management to ensure profitability and compliance. Evaluates investments, prepares financial models, and analyzes credit data to support business decisions.

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.

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.

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.

Performed financial modeling and forecasting to assess potential impacts on credit risk and portfolio performance.

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

Responsible for managing and providing analytical support on financial data for senior management and investors. Conducts financial and statistical studies, prepares credit analyses, and negotiates with clients to optimize the bank’s interest margins. Monitors existing clients through financial analysis, compliance reviews, and risk assessments to ensure portfolio stability and regulatory adherence.

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.

Conducted quarterly and annual market and industry reviews, analyzing economic trends, interest rate movements, and sector performance.

Utilized historical data and industry benchmarks to project future market conditions and industry trends.

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. 3/2009-5/2011

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.

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

SENIOR MID-TICKET FINANCIAL CREDIT 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 credit underwriting training with Risk Management Association (RMA).

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

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