SUMMARY:

• Progressively accomplished and seasoned finance professional with strong capabilities having “worked both sides of the Street and somehow retained an eye for value and skepticism.”
• Advanced deep and diverse complete financial vertical & horizontal (multi - industry/sector) continuum of experience, skills and abilities from the top-down
• Economy, Capital, Quantitative (multi-variate) and Credit Markets, Sector, Company, to Project planning, analysis, and credit/risk Vs return management.
• Promoted to SVP in Investment Banking origination, credit analysis, due diligence and structuring.
• At times I was the largest trader in the “Fed’s 10th District”. Top account growth producer due to my “exceptional accounting, analytical and consultancy skills and abilities”
• Strong commitment to team environment dynamics with the ability to contribute expertise and follow leadership directives.
• Prescient economic and Confidential record extend back ~15 yr.’s in numerous industry publications.
• Over 130 Advanced Corporate models in numerous industries; as well as numerous Project and M&A analyses. Models and published research reports included sensitivity analysis of numerous metrics. At Tier One Bank of Montreal (“BMO”) as Financial Analyst I led “Research Special Projects Modeling”, creating advanced global leading and multi-sector Financial modeling (VBA/Excel) of Sensitivity Analysis (advanced GUI Dashboard driven multi-variable: currency, discount rate, COG/COGS, sustaining CAPEX, etc.) across all valuation metrics (NAV/DCF, PV, FCF, PE, EBITDA, EV/EBITDA or /DACF, P/CF, EPS, etc.). Extensive career encompasses financial, business and credit risk/return analysis, relative value arbitrage with strategic and tactical planning and trading. SDLC project management and group leadership in system implementation, advanced computer modeling with systems & policy development, implementation, & multivariate attribution analysis.
• Familiar with the many facets of economic and financial landscapes, including risk/return dynamics of interaction between capital & credit transactions, decisions, & organizations.
• Began career as entrepreneurial self-directed learner, strategic maximizer as leading producer with extensive financial breadth and depth in origination (IB) modeling, credit & deal design, pricing analysis and reporting.
• Followed by Accomplished Bank & Treasury Consulting and Asset/Liability Management; stress-testing multi-type securities pricing during testing/analyzing: 1998 Proprietary U.S. banking industry stress test was, and is, the largest security-specific derived analysis of the industry to date. (620+ banks.) Interfacing PC with IBM AS-400 and Bloomberg for security-specific stress-testing, pricing &analysis. Presented as keynote address at 3 State Banker Assoc. Investment Conferences. Project management creating PDLC transition to SDLC, SAS, SPSS trend analytics and marketing. Familiar with/used “CCAR” Basel 3 (risk weighting stats, multivariate statistical credit analyses) and Dodd Frank (“DFAST”), Sensitivity Analysis & Stress testing, GAAP & IFRS.

AREAS OF PRACTICE:

• Risk & Capital Management (20+ yrs)
• Credit Analysis, ABS Securitization, KPI Variance, Trend & Comp’s (20+)
• Financial Modeling & Analysis (20+)
• Stress Testing and Multivariate Statically Modeling and Analysis
• Econometric modeling (20+) & system risk tracking (Innovative External/Internal) Early Warning Indicators.
• Budgeting, Strat Plan & Forecasting
• M&A: Strategic Business Planning
• New Business Risk Evaluation
• Treasury Management (29 yrs of ABS)
• General Accounting B/S, C/F, P&L
• Account Reconciliations
• Team Leadership
• M&A Due Diligence
• Post - merger Financial Consolidation
• Process Improvement/Control Charts servicing (auto & mortgage)
• Strategic Fit and Capital Optimization Strategies
• Global Assignments & Currency Consolidations (3 Continents Directly)
• IFRS & USGAAP and Statutory
• Income Statement & Balance Sheet
• Currency/Exchange Risk
• Financial Reporting & Analysis
• Cash Flow & Working Capital
• Policies & Procedures implementation
• Business Process streamline
• SEC Reporting Analyses (10-K, HC R/FR 9C & 10-Q)
• FFIEC 101 Modeled Capital Spreadsheets and pro forma Stmts.
• Design model structure including segmentation, data manipulation, internal validation, & and back testing.
• Coporate

COMPUTER APPLICATIONS:

• SAP implementation
• MS Office full (Advanced Excel: Macros, VBA & MDX programing)
• Bloomberg Professional
• Advanced ALM (FISERV / Sungard / Sendero data warehouses)
• Statistical Modeling/Backtesting (R & SAS)
• SQL, Oracle ERP
• HOLT, Factset; Capital IQ,

TECHNICAL SKILLS:

Deep and Diverse Proficient in MS Office Suite, Advanced Excel (E.g. Range Arrays with Offset functions, Pivot Tables, MDX & VBA formulas, etc.) VBA+ Macro/algorithm programming, ACCESS, Advanced ALM (FISERV/Sendero - Pricing Data Warehouses) SUNGARD + derivatives, Mat lab, Factset, eVestment, Thompson, Capital IQ, Bloomberg Pro., ALPHA, PnL & Wilshire return attribution, Multi-factor worldwide modeling with back-testing, Intex ABS, SAS, SPSS, R, SAP implementation/adoption, CPMS, PROC & SQL, Baseline, Morningstar Direct, MAP, HOLT ROIC, Reuters 3000, Alliance, Visio, Agile (SDLC), RAD, Sales force & StatPro. Also skilled in Advanced Accounting Functions (in MPA program and Minored in Accounting in MBA): Familiar with and used Basel, 2 & 3 (statistics, leverage. VaR, & credit) CCAR & DFAST (Dodd Frank), PPNR & R (statistical) Sensitivity Analysis and Stress testing, US GAAP and IFRS. Econometric modeling, CCAR “Early Warning Indicators”, and forecasting.

PROFESSIONAL EXPERIENCE:

Confidential

Sr. Business & Financial Analyst

Responsibilities:

• Sr. Financial Analyst Capital Management for $74 Billion in Owned and Serviced ABS Securities for a Confidential -listed Auto-ABS market leader majority owned by a Confidential .
• SFA responsible for Capital Market Strategic Analysis & monthly Capital Committee Risk reporting of Accounting, Budget/Forecasting, Financial, ALM & Treasury Analysis, Stress testing Basel III. PPNR, Business, Portfolio pools, Financial analysis with advanced VBA/Excel/Database modeling. Development/econometric modeling, of (internal & external; innovative) Early Warning Indicators.
• Control charting processes analysis (c, np, p, u, q, XMR, etc. charting). MDX & VBA coding.
• August 6 & 20th, 2015 Advised 4 Dept. Heads and Sr. others of our "significant credit risk to capital" in only Marking-to-Market ("MtM") portfolios on a year-end basis - on pools written-down I had no DPD data on (revolver credit) - only intuition and secured ABS pools data. (Then adjusted homogeneously to an Index + or - some small increment on a quarterly basis.) January 27, 2016 in Q4, 2015 Year End Santander reported a whopping $232 million loss in MtM loan portfolio adjustments.
• FFIEC 101 Basel III Capital and Stress-test modeled spreadsheets and all pro forma Stmts.

Confidential

Lead Sr. Research Modeling Analyst

Responsibilities:

• Worldwide (visiting most Continents) Research, Business, and Financial analysis and advanced VBA and Excel modeling of companies.
• “Special Projects Lead Manager” Research Dept. Oversaw SDLC of analysis & detailed modeling of global diversified companies with comprehensive valuation (risk/reward user friendly variability algorithms/macros/VBA) and industry comparable metrics. Current/forecast business analysis (model re-engineering with stress testing) for new product introduction.
• Created industry first Quantitative statistical “S&D” estimation models for yearly future marginal commodity cost clearing price. Supply: extraction & cost of production methods VS. Demand.

Confidential

Sr Portfolio Manager

Responsibilities:

• Modeled, analyzed & presented ALM as keynote address at 3 State Banker Assoc. Investment Confabs.
• Promoted to Trust Investments Dept. due to my “exceptional accounting, analytical and consultancy skills and abilities” (FI & IB Dept. Supervisor Pat Thompson).
• Performed bank Balance Sheet stress-testing (and Dept. consulting) under CCAR’s 2009 predecessor Supervisory Capital Assessment Program (SCAP).

Confidential, Dallas, TX

Senior Business & Finance Analyst

Responsibilities:

• Sr. Financial Analyst Capital Management (“CCAR”) for $74 Billion in Owned and Serviced Auto ABS Securities for a Confidential -listed market leader.
• August 6 & 20th, 2015 Advised 4 Dept. Heads and Sr. others of our "significant credit risk to capital" based solely on experience and sights (NOT having data on pool that came to have major write-down) in only Marking-to-Market ("MtM") portfolios on a year-end basis.
• And the stock reached all-time lows after declining approx. 20%.
• Variance and Statistical Control charting processes analysis (c, np, p, u, q, XMR, etc. charting). Development/econometric modeling, of (internal & external; innovative) Early Warning Indicators.
• Ensuring appropriate measures are in place and steps taken to effectively and optimally measure, model, analyze and interpret changes to the company’s Capital Position. Analysis, modeling and reporting to Sr. management committees capital projections, calculations and analysis including capital ratios, risk-weighted assets, and peer capital ratios. Monitored, measured, and reported CCAR, DFAST, PPNR & R (statistical) stress testing of capital and risk exposures against policies and limits consistent with the Company’s Capital Management Policy. Contributed to ALCO & Treasury Management.
• Performed and created FFIEC 101 Basel III Capital and Stress-test modeled spreadsheets & all pro forma Stmts, as well as Securitization CF & residual risk analyses.

Confidential

Finance and Business Analyst

Responsibilities:

• Provincial solar projects financial and business analysis, risk analysis and financial modeling. General Ledger reconciliation and auditing.
• Analysis & Modeling with comprehensive valuation (risk/reward stress testing & sensitivity analysis) and comparable metrics.
• First of a kind in the Province. G/L work, credit analysis, tariff factoring and arbitrage modeling and planning

Confidential

Research Financial Analyst

Responsibilities:

• Worldwide Business and Financial analysis and advanced VBA and Excel modeling of companies, projects, and econometrics.
• Developed & modeled top sector research piece with statistical & financial future complete S & D (mine & reactor burn) analysis with last marginal cost per lb. for the sector for the next 20 years.
• Created industry first Quantitative statistical (Variance & Correlation) commodity industry premier “S&D” future marginal cost estimation models for construction and cost of production.

Confidential

Project Lead

Responsibilities:

• Oversaw System Development Life Cycle (SDLC) of analysis & detailed modeling of global diversified companies with comprehensive valuation (risk/reward user friendly variability algorithms/macros/VBA) and comparable metrics. Current/forecast business analysis (model re-engineering with stress testing) for new product introduction and relevant workgroups.
• Participated with New York Institutional focus group facilitating JAD sessions on project related activities.
• Project implementation, advanced programming, design and development of powerful and innovative user-friendly spreadsheet models utilizing sophisticated Graphical User Interfaces (GUI), algorithms, and VBA coding. Surpassing department and Sales force project expectations in giving BMO a completely unique user-friendly yet powerful Institutional Client marketing data analysis tool.
• Performed analysis, design and programming including front and back-end financial interpretation, and redesign of large scale modeling characteristics and simulations of companies/projects with live Sensitivity Analysis and valuation metrics (NAV, PV, FCF, PE, EBITDA,EV/EBITDA, EPS, etc.) user driven by toggle bar scroll &/or step-in price deck changes to costs and sales prices. Advanced modeling simulation included top 3 currencies & basket vs. domestic, as well as discount, tax, and sustaining capex user-definable rates.
• Modeled with “very hidden” VBA tabs with visible tabs programmed and designed to appear as stand-alone articulate user-friendly models.

Confidential, Overland Park, KS

Research, Financial and Business Analyst

Responsibilities:

• Financial and business analysis in diverse research, consulting and modeling of international and domestic business and multi-sector equity and fixed income opportunities. Picks were used for partner's institutional sales (and eventual hedge fund) which entailed highly diversified independent market analysis, country, sector, security, proprietary modeling/ matrices and research.
• Advanced computer modeling, credit & risk management, trading and relative value arbitrage, with systems & policy development, implementation, and attribution analysis.
• Independently subcontracted to Federal Home Loan Bank for FASB 133 derivatives (optionality modeling) analysis, and Basel impact with model stress-testing with SQL & Excel. Econometric modeling. Published in Barrons, ISI, Grant's Investor and Ned Davis Research.
• Researched, analyzed, modeled and provided trends (SPSS), investment ideas and reports for Partner’s Institutional Sales and Fund Management of international equity, sector and economic analysis. Sourced merchant bank projects worldwide. JV prospecting for Sprott Asset Mg’t.

Confidential, Kansas City, MO

Business Analyst

Responsibilities:

• Managed best index-relative outperformance in 10 years for 2 Confidential Fixed Income Scout funds with $2 billion in assets. Additional approximately US$225 mil. in Securities Lending and Repos.
• Managed the department’s fastest growing list of approximately 198 High Net Worth portfolios with $195 million in assets, as well as providing supplemental department research and presentation material. Utilized HOLT ROIC project, business unit and company analyses. Including Zephyr and Wilshire money manager analysis and client white paper consulting.
• Accomplished Top-down (macro to micro) Analysis with SPSS: Responsible for recommending refining stocks (contributed to Ned Davis research) and the secular case back in June of 2002. (Top performing S&P sub-sector next couple of years.) Recommended and analyzed infrastructure (electricity, energy, transportation, and municipal/public) and resource industries. Econometric modeling and reporting.
• Performed retail and institutional, department, client and prospect, research and marketing presentations. Trust Department leader & favorite for closing client and prospect meetings.