PROFESSIONAL SUMMARY

Executive leader in financial management with a demonstrated track record of significantly increasing financial and operational performance withina diverse array of organizations.Proven ability to align the finance function with all areas of operational management to drive stakeholder value.Exceptional technical expertise and demonstrated success in managing complex business issues, cost effectiveness and cash flow. Able to develop actionable analysesfrom complex data and to communicate assessments of business alternatives to all management levels including boards of directors. Areas of expertise include:

PROFESSIONAL EXPERIENCE

Confidential

Founding Principal

Advising and supporting the financial operations and corporate governance in a start-up medical device company specializing in developing, manufacturing and marketing novel and portable ophthalmic equipment and accessories that facilitate the delivery of ophthalmic care in eye doctors' and primary care physicians' offices, schools, clinics, rural areas and developing nations.

Confidential

Chief Financial Officer

• Directed the treasury, finance, accounting, mortgage loan pricing and hedging, consumer loan credit administration, physical security, business continuity and facilities management functions.
• Led the development of analytics and strategies for the management of the Credit Union's balance sheet, including a 1.8B fixed-income investment portfolio and related externally-sourced financing.
• Led the project team that developed a 59M corporate headquarters facility and an 11M business continuity facility. Project was delivered on-time, within budget and met all specifications. Activities over a five-year period included site selection, negotiation, architectural design, construction, and staff and systems relocation.Demonstrated exceptional collaboration, communication and decision making capabilities during the life of this project.
• Provided leadership and strategic direction to several large-scale information systems selections and implementations, including the replacement of a full core operating system and financial suite.
• Directed several activity-based costing studies, cost management initiatives and benchmarking activities.These activities contributed significantly to the Credit Union's overall profitability that is 50 above those of its peer group.

Confidential

Senior Vice-President, Finance 2002-2003

• Directed all financial accounting and treasury operations that processed over 2B in loan closings per month.
• Implemented appropriate staffing models, and hiring and training programs for the accounting and treasury operations groups that met the demands of the Company's 300 loan origination volume growth.

• Directed operations related to third-party warehouse financing and accelerated warehouse purchase facilities, significantly decreasing the Company's cash flow cycle time.
• Developed sophisticated procedural enhancements for consolidation reporting, minority interest accounting, and accounting for fair value hedging and the recognition of deferred income and expense from production activities.

Confidential

Senior Vice-President and Chief Financial Officer

• Developed, as a member of a strategic team that included legal and regulatory counsel, valuation consultants and the ownership principals, capital restoration plans designed to affect the Bank's strategic repositioning.
• Implemented enhanced operating expense variance, unit cost and activity-based costing analyses. These analyses facilitated a comprehensive organizational restructuring and divisional consolidation that ultimately achieved a 35 reduction in ongoing operating expenses.

Confidential

Director, Accounting Operations

• Developed and maintained a complete accounting and financial reporting system for an affiliated 195M assets SEC- registrant engaged in commercial real estate management. Preparation of Forms 10-K, 10-Q, proxy statements and related regulatory filings.
• Directed a highly effective and efficient investor reporting department that consolidated information for over 150 loan investors for a serviced loan portfolio of 5.4B.

Confidential

Senior Vice-President and Chief Financial Officer

• Developed and executed numerous elements of the tactical plan to obtain a federal credit union charter and complete the Business's operational divestiture from the Eastman Kodak Company.
• Created financial analyses and decisioning models related to retail delivery strategies, including new branch openings.
• Developed the conceptualization for the launch of a captive broker/dealer entity operating within the branch network.
• Initiated several new investment portfolio management programs. Oversaw the formulation of investment portfolio policies and strategies, portfolio performance analyses and trading decisions.

Confidential

Senior Vice-President and Chief Financial Officer

• Directed all areas of financial and information technology management, including the accounting function, investment portfolio and asset/liability management, regulatory reporting, tax strategy, compliance and budgeting.
• Led all financial reporting and investor reporting processes, including managing relations with institutional investors, the business press, equity analysts and stockholders.

• Managed all financial analyses, due diligence and regulatory filings related to the acquisition of the Bank.
• Managed the regulatory reporting process including all SEC reporting requirements.