SUMMARY

• Strong hands - on experience providing credit rating/analysis of public and private companies, analyzing counter party credit risk, cash management/treasury functions (funding mechanism, borrowing, lock box, sweep) and capital market experience in rating agencies, corporate treasury and investment banking.
• Researched, analyzed and followed progress of pharmaceutical companies’ clinical trial studies and reported findings to head of investment/arbitrage team/group.
• Ability to analyze complex situations and determine proper course of action, preparing financial analysis, developing financial forecast models, FP&A and operational contributing.
• Evaluate banking relationships, re-bid banking fees, services, experience with equity market, trading strategies and familiarity with global equity markets, fixed income investments, derivatives and executing foreign exchange (FX) activities.
• Experienced in handling international accounts, due diligence requirements, conducting equity research, 401(k), consortium results presentation and derivatives accounting.
• Extensive background in finance/accounting, posting journal entries, g/l, financial statements, budgeting, statutory reporting, internal and external financial reporting. Solid accounting skills.
• Over fifteen years’ experience with rating agencies, insurance, financial institutions, and high-volume manufacturers, demonstrating consistent record of impacting profit performance.
• Ability to work independently, meets strict deadlines, develop creative solutions to workflow and other operational challenges and assume leadership role for special finance projects.

PROFESSIONAL EXPERIENCE

Confidential, NJ

Sr. Financial Analyst

Responsibilities:

• Managing portfolio of companies in diverse industry including public and private companies’ captives, presenting companies to credit rating committee and demonstrating judgment in communicating rating recommendations.
• Communicating rating outcomes of covered companies to senior managements, press releases and effective management of expectations.
• Interacting with corporate executives, and other third parties in the rating of unique (re)insurance related transactions/structures, managing the relationship with executives, and leading management meetings.
• Gathering, analyzing and interpreting complex data from various sources, detailing financial modeling, cash flows, performing analysis of key quantitative and qualitative factors, conducting thorough, objective and efficient industry and company research in respect of increasingly complex financial and non-financial information, including audited financial statements, SEC filings, public accounts and other relevant management information.
• Utilizing proprietary (A.M. Best’s Capital Adequacy Ratio - BCAR) financial modeling for determining companies balance sheet strength and various financial metrics.
• Reviewing various financial transactions including, but not limited to, reinsurance contracts, quota shares and loss portfolio transfers, credit risks/counterparty credit risk, FP&A, investment portfolios, derivatives.
• Conducting on-going monitoring and surveillance of assigned portfolios, including rating changes, market/industry/regulatory developments, news events etc. identifying early warning signs for committee for event driven rating actions.
• Development of risk curves for assets and liabilities on insurance company balance sheets.
• Analyzing risk profile and development of risk factors for various asset classes, underwriting risks, credit risk, pricing and third/counterparty risks.
• Establishing guidelines required for company models to be recognized in the rating process and evaluating models based on established guidelines.
• Analyze and rate insurance-linked securities and insurance-related structured finance transactions. Conducting and producing periodic research reports focused on rating issues.

Confidential

Financial Analyst - Treasury

Responsibilities:

• Executed and performed analytical support for Treasury and corporate finance activities.
• Analyzed investment products, credit risks, funding strategies and management of investment managers’ performance.
• Managed daily activity in investment portfolio, analyzed risk management exposure, company wide cash and liquidity position, including electronic funds movements.
• Liaison with business units on treasury and banking inquiries requiring daily contact with banks, business units and accounting staff.
• Evaluated hedging instrument feasibility considering expected hedge costs, benefits and corporate exposures. Performed root cause analysis to determine key discrepancy sources.
• Identified appropriate hedging instruments and methods to effectively mitigate price volatility.

Confidential, NY

Treasury Management

Responsibilities:

• Supported corporate headquarters in Canada conducting complex economic and statistical analysis of financial data, risk analysis, provided the required investor servicing and reporting.
• Researched and monitored development of prospective and existing investment products, services and financial models. Provided assistance in contract review for potential deals.
• Managed daily cash position, maintained cash forecast, reconciled corporate accounts, researched unreconciling items, executed wire transfers and evaluated banking relationship.
• Invested excess funds in accordance with Finance committee approved guidelines.
• Executed FX coverage through commercial and investment banks, identified and measured FX exposure, analyzed, evaluated and recommended alternative hedging strategies.
• Managed the U.S and Canadian Cash desk, U.S. commercial paper issuance and FX.
• Analyzed, reviewed, interpreted and compliance, facilitated bidding process, investigated lost bids, deficiencies, FP&A, credit risks, interface with customers and external legal team.

Confidential, Wayne, NJ

Financial & Treasury Management Consultant

Responsibilities:

• Delivered consulting services for Accounting Resources, Inc, analyzed capital spending, monthly forecast, cost compilation and assisted in inventory valuation.
• Formulated strategic planning to mitigate FX risks and ramification of international cash management techniques.
• Analyzed and executed FX transactions, cash netting, forward contracts and hedging mechanism.
• Analyzed global currency market related tax, letter of credit and IAS accounting applications.
• Coordinated annual budget, prepared financial analysis and liaison with field personnel.
• Performed analysis of structured finance, researched activities, monitored development of investment opportunities and financial models.
• Responsibilities included monthly financial reports, cash management, ad hoc reports and g/l month-end closing assistance.

Confidential

Senior Financial (Credit) Analyst

Responsibilities:

• Supported Chief Investment Strategist in global equity markets projects, derivatives, asset swap and capital market analysis for London, Tokyo and New York offices.
• Developed, coordinated and integrated investment outlooks from the US, Latin America, Asian and European Equity research group.
• Analyzed various investments products, diversification, derivatives, evaluated securities performance, competitive activities and due diligence within international context.
• Researched, analyzed and followed progress of pharmaceutical companies’ clinical trial studies and reported findings to head of investment/arbitrage team/group
• Reviewed companies’ financial data, prepared cash flow, P&L ratios and macro-economic developments for institutional investors for cross-business effort.
• Analyzed bonds issuance against derivatives inventory transactions and their hedge positions.
• Researched, monitored and traded investment vehicles, hedging, interest rate and produced sector publications. Analyzed securitization models to forecast financial statement results.
• Researched macroeconomic factors that shaped economies identified economic trends and presented results. Assisted in the negotiation of investment proposals with target companies.
• Advised on issues regarding sovereign and asset specific risk, especially in emerging markets.
• Utilized quantitative and qualitative analysis techniques to aid in the valuation and control of equity research, strategic planning, risk analysis, ROI, and financial models.
• Monitored potential M&A relative to products, asset/liability requirements.
• Researched statistical activities and forecasted economic impacts of events related to financial markets. Assisted in restructured $12 billion syndicated loan portfolio.
• Created strong recommendation based on in-depth analyses which shaped aggressive buy and sell strategy.