Financial Analyst

NICOLE AVEDISSIAN TOSH

*** ********* *****, *******, ** 19067 --- 215-***-**** [home] --- 215-***-**** [cell] --- **********@*******.***

BACKGROUND SUMMARY & HIGHLIGHTS

• Diverse experience as a financial, analytical, and reporting professional with a focus on excellence, detail, efficiency, and customer satisfaction

• Unsurpassed ability to prioritize multiple projects and responsibilities while meeting tight deadlines and promoting strong interpersonal relations and positive communications

• Outstanding technical aptitude with specific proficiencies in Excel, Word, PowerPoint, Outlook, and Microsoft Project. Excel expertise includes:

PivotTables and charts

filtering and sorting data

formulas

functions

conditional formulas and formatting

v-lookups

modeling (creating, refining, streamlining)

macros

worksheet/workbook links and references

PROFESSIONAL EXPERIENCE & SELECTED ACCOMPLISHMENTS

Frosch Travel, Chalfont, PA 2011

Reporting Analyst

• Brought on board to consolidate and standardize data elements in the corporate accounting system in order to upload streamlined records into the company-wide reporting tool and ultimately facilitate more timely and concise report generation

• Satisfied both internal and external reporting needs, often formulating creative solutions to unusual and time sensitive client demands

• Utilized the latest technologies in the travel industry to manage the company’s standard and customized accounting and reporting needs

• Optimized customer management by consolidating data from global markets, viewing travel spend, identifying trends, monitoring policy adherence, and improving company profitability

Copelco Capital, Mahwah, NJ 1999-2000

Securitization Consultant

• Managed the corporate relocation and integration of Mt. Laurel Treasury Finance operations, ensuring seamless continuity of daily processes in the interim

• Streamlined standard business practices for the newly consolidated Treasury Finance Department

• Executed a job documentation project detailing the procedures for a smooth domestic transition and continuation of securitization activities

• Trained and served as a liaison for new employees during the company’s final operational adjustment

Copelco Financial Services Group, Mt. Laurel, NJ 1997-1999

Treasury Financial Analyst

• Managed monthly securitization servicing report process for commercial business subsidiaries; included executing US and Canadian takedowns, performing commercial paper pricing comparisons, preparing multi-million dollar swap amortization schedules, and monitoring servicer reports for accuracy, proper cash flow, potential trigger events, and costly reporting errors

• Provided relevant and timely economic summary and outlook information (key rate indices, market commentary, rates outlook, and new deal updates)

• Furnished pool concentration and historical performance support data for new term securitization structuring and conduit negotiations

• Played an integral role in the smooth termination and reassignment of U.S. and Canadian Swap agreements during the close of new term securitizations

• Equipped the CFSG Accounting team with interest rate assumptions for the budget, incorporating pertinent market conditions and timing and growth expectations into projections; involved creating a funding matrix for each subsidiary based upon anticipated volume, projected price for each funding mean, and expected timing of each alternative

• Modeled and maintained CFSG’s contingency funding model to timeline funding needs; based on projected/budgeted activity, current outstandings, and funding capacities

• Helped secure a B-Note securitization investment of approximately $10MM by furnishing an analytical overview of credit files for about 40 leases

• Designed several reports illustrating year-end derivatives position and to-date securitization activity

• Developed relationships with swap counterparties and analyzed hedging options to ensure competitive bids and optimize cost savings and efficiencies

• Produced various corporate-wide bank meetings and due diligence presentations

Advanta Corp., Horsham and Spring House, PA 1994-1997

Capital Markets, Corporate Finance Analyst 1995-1997

• Developed and maintained peer group models and analysis to compare financial performance against competitors; incorporated profitability, asset quality, capital, operating performance, funding, and leverage studies

• Acted as a liaison to the rating agencies; included preparing quarterly financial summaries and several yearly presentations, as well as responding to ad hoc information requests

• Served as the budget liaison for the Capital Markets area of Treasury; included leading and coordinating the annual budgeting process for our group, performing periodic budget reforecasts, and monitoring monthly expense summaries

• Cross-trained to cover cash management operations in the absence of the regular cash management professionals

• Prepared various corporate-wide presentations for both internal and external customers

• Provided research for special projects which included various equity studies and the corporate contingency funding plan

Treasury Finance, Financial Analyst 1994-1995

• Developed and maintained the operating expense model for the Treasury SBU; took charge of all expense forecasting and planning and provided monthly and as-needed analysis of expenses

• Designed and implemented an expense allocation system that enabled product profitability analysis in the corporation’s transfer pricing system

• Developed and maintained the model that tracked historical and projected performance indicators

Anderson Consulting, Pittsburgh, PA 1992-1993

Practice Management Engagement Assistant for the Heinz Service Company Project

• Maintained and further developed the project management system used to direct the planning, scheduling, tracking, analysis, and reporting for the Heinz project engagement

• Performed detailed expense, time, inventory, and receivables reconciliations among several accounting and project tracking tools and systems

• Interfaced with the client to present billing and performance summaries and responded to client audits of project fees and expenses, optimizing customer satisfaction and promoting positive communications in the process

• Published monthly program management quality binder to track and report project milestones, delivery dates, and financial position

Prudential Property & Casualty, Holmdel, NJ 1991-1992

Financial Planning & Analysis Reviewer

• Involved in the development and utilization of an automated comprehensive allocation methodology that generated quarterly reports and actual income statements for Prudential’s marketing agencies

• Traced present and past financial trends to analyze and compare actual earnings results to projected earnings on countrywide, state, agency, and product specific levels

EDUCATION & CERTIFICATIONS

Project Management Institute (PMI) Studies & Certifications Current

• Pursuing Certified Associate in Project Management (CAPM) distinction

• Studying the PMBOK Guide 4th Edition with plans to complete “Applying the Fundamentals of Project Management” e-learning course

Bucknell University, Lewisburg, PA 1987-1991

• Earned Bachelor of Arts/Major in Economics, Minor in Sociology

• Graduated Suma Cum Laude with a 3.7/4.0 Cumulative GPA

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