Financial Project

Joe Ramos

**** ************ **** #**** ******, TX 75206 469-***-**** ********@*******.***

BUSINESS / FINANCIAL ANALYST

SUMMARY

A highly motivated, performance driven professional with diversified experience in finance and economic analysis. Accomplished in financial management, project development, account management, business strategies, and financial reporting. Analyzes processes and aligns operations to achieve core objectives. Leverages excellent organizational and interpersonal skills to drive cross-functional teams. Develops efficient strategies and spearheads initiatives to enhance productivity to secure lasting prosperity of an enterprise.

EXPERIENCE

TXU Energy, Irving, Texas 2009 - Present

Business Analyst 2011

Design and develop strategic business solutions and document business operations and analysis to provide enhancements and processes across multiple business segments.

• Perform analysis and develop enhancements and solutions to the business and stakeholders by developing and facilitating the creation of appropriate documentation and preparing requirement specifications and functional design documentation.

• Conduct analysis and understanding of project scope to develop customized solutions, reduce costs and improve business performance.

• Communicate and coordinate with IT specialists and various business units in project development and developing specification requirements and functionalities

• Prepare and develop project and budget targeted presentations and reporting designed to meet departmental needs and improve corporate processes and promote under budget strategies.

• Create and develop UAT testing and planning to ensure functionality and enhancements align with project scope.

• Create and design technical specification documentation (BRD), review reporting of trends and performance output and enhancements required for business development. Initiate presentations to communicate inter-department goals and objectives.

• Acquire data to develop queries, UAT testing scenarios, budget analysis from multiple business units and support applications in production by tracking defects and issues to determine resolutions by troubleshooting to maintain system enhancements and processes.

Analyst 2009

Managed multiple market structures to develop resolutions to improve and enhance client relationships.

• Analyzed and managed all operational actions associated with client and issue resolution utilizing (SAP).

• Analyzed and diagnosed business processes related regulatory, business, and corporate practices. Tracked and reviewed client concerns to identify solutions to improve and enhance the client experience.

• Developed reporting and created solutions to management in recognizing key customer issues and trends.

• Developed various business processes and procedures to identify strengths and deficiencies in service levels. Developed and spearheaded creative solutions and business modeling to incorporate best practice initiatives.

Ford Motor Credit Company, Irving, Texas 2008-2009

Financial Analyst

Developed and maintained effective relationships with multiple credit units, sales teams, and other business center teams.

• Effectively managed credit risk / exposure, developed action plans, followed up on progress of action plans for dealers utilizing watch reports, early warning reports, dashboards, cost benefit analysis and credit packages.

• Analyzed revenue and expense trends and completed financial reporting.

• Coordinated, compiled, and managed formal and informal information disseminated across multiple business units and business organizations through effective use of E-rooms, E-trackers, and other system tools and ensuring integrity across all systems and processes.

• Developed and initiated credit reviews according to procedural guidelines and prepared credit reports / requests in sensitive business environment timelines.

Bear Stearns/EMC Mortgage, Lewisville, Texas 2005-2007

Financial Analyst

Directed and prepared financial analysis/reporting for management, vendors, and financial staff.

• Compiled and analyzed mortgage data for management and financial staff utilizing financial reports, loan packages and credit files. Interfaced with financial staff to present reporting and financial analysis for business and financing needs.

• Analyzed and documented financial business processes to determine solutions to increase efficiencies and productivity. Developed initiatives to enhance business productivity and interpret loan data to develop financial reports. Developed spreadsheets based analysis to measure and manage financial ratios and performance indicators.

Fidelity Investments, Westlake, Texas, 1998-2004

Investment Consultant 2004

Developed investment options and provided solutions with prospective clients and administered a consultative approach in determining investment goals and incorporated investment strategies.

• Provided 401(k) clients with planning, guidance and investment needs to forecast financial projections by analyzing financial statements, expense analysis, tax planning and portfolio management. Increased client portfolio assets from $400,000 to over $1,000,000.

Financial Services Account Manager 1998-2004

Managed 401(k) retirement accounts to achieve sound financial portfolio and review of financial statements.

• Performed in-depth financial analysis and reporting to determine client objectives and develop financial solutions.

• Provided expense and portfolio reports utilizing financial system database. Recognized for exceeding corporate objectives and won company awards for excellence.

EDUCATION

University of Texas at Dallas, Richardson, Texas

Bachelor of Arts, Interdisciplinary Studies with concentration in Economics Studies, 2011

TECHNICAL SKILLS

Microsoft Office Suite, Advanced MS Excel (pivot tables, macros), SAP, Seibel, Crystal Reporting, SQL, Financial Statement review, excellent database skills, strong organizational and analytical skills, Create advanced financial models using various software suites, Highly proficient with MS PowerPoint and Word, proficient with financial analysis and excellent presentation skills

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