SUMMARY:

• Lead and manage supervisory events or serve as head of a functional area at supervised institutions from the smallest and simplest to the larger and more complicated, including determining scope, rating, resource needs, and work assignments of crew, and assigning appropriate ratings.
• Perform EIC (Examiner in Charge) / AM (Asset Manager) / OM (Operations Manager) duties as assigned.
• Draft, review, organize, verify, and evaluate supervisory event documents prepared by self and others.
• Perform IT examination of the supervised institution. Complete the IT work program assign a rating if applicable, and discuss findings with Reserve Bank and supervised institution management. Assess Cybersecurity Risk and complete the work program. Perform vendor risk assessment related to IT examinations as needed.
• Analyze supervised institution performance regarding laws, regulations, and regulatory policies and supports conclusions about overall status of supervised institution regardless of size or complexity.
• May act as institution contact for assigned portfolio of small to medium (size and complexity) institutions or serve as a subject matter expert in a key functional area.
• Communicate, describe, support, and discuss findings of supervisory events with Reserve Bank and supervised institution management.
• Seek out and participate in opportunities to enhance skills, including assisting with System or Reserve Bank special projects focused on developing subject matter expertise in a particular functional area.
• When acting as Examiner in Charge, provide training, work direction, and feedback to assisting examiners.

PROFESSIONAL EXPERIENCE:

Confidential

Financial/Credit Analyst

Responsibilities:

• Prepare comprehensive written loan requests/annual reviews, for presentation for Executive and Senior Loan Committees that include sufficient data to support financial statement analysis, collateral evaluation and risk rating recommendations. Attend meetings as required.
• Variance analysis of non - compensation expenditures against the budgeted numbers.
• Work with the planning group to develop budget for non-compensation expenses for current fiscal year and communicate the results to the concerned groups.
• Financial analysis of call report numbers against the peer group and present the analysis to the management.
• Work with lenders on the impairment testing of troubled credits and calculate allowance for loan and lease losses.
• Analyze and spread financial statements of existing and new borrowers.
• Identify problem credits and recommend solutions for reducing the risk associated with such credits.
• Risk grade credits according to bank guidelines and provide the reasoning for upgrade/downgrade of the risk rating.
• Monitor collateral control activities by reviewing accounts receivable and accounts payable aging reports, and borrowing base certificates to ensure maximum advance limits are maintained.
• Understand and adhere to bank compliance regulations and standard operating procedures pertaining to credit and lending functions.

Confidential

Credit Analyst

Responsibilities:

• Annually review credits in accordance with policy and regulatory compliance.
• Analyze business financial statements and tax returns of existing clients.
• Risk grade credits and prepare loan presentation for board of directors’ review and approval.
• Early identification of problem credits, including providing viable solutions that protect the bank and reduce/eliminate loss exposure.
• Complete independent impairment tests for all credits risk rated a 5 or worse.

Confidential

Credit Analyst

Responsibilities:

• Analyze and spread financial statements for existing and potential new clients
• Assist lenders with the preparation of loan presentations and annual credit reviews in accordance with policy and regulatory compliance.
• Commercial loan documentation review.
• Assess independent risk rating in accordance with policy.
• Monitor loans for policy exceptions/track policy exceptions.
• Attend weekly credit committee meetings.
• Complete other miscellaneous projects and duties as requested by CCO/VP Commercial Banking.

Confidential, Minneapolis, MN

Sr. Financial Analyst

Responsibilities:

• Prepared annual plans and forecasts for departments supported.
• Created management reporting and analysis by department and product related to month-end results, including all work necessary to prepare the Department Heads and Finance Director for monthly financial review meetings with the President of Piper Jaffray.
• Maintained access database used in monthly reporting.
• Assisted in the creation of periodic analysis related to business unit and product profitability, growth initiatives, and capital expenditures.
• Tracked fixed income department’s revenue generation on a daily basis and produced revenue and expense reports.
• Maintained occupancy expense file for the whole company and tracked the building and leasehold and furniture and equipment expenses for different offices of the company. Planned and fore casted the occupancy expenses for the firm.
• Performed ad hoc analysis and developed models to support the strategic initiatives of the operating committee of the departments supported.
• Performed variance analysis on a monthly basis comparing the month end results against the plan and provide variance explanations to the head of departments.
• Designed efficient Brio queries which helped in creating reports used by management committee to review monthly financial results related to their departments.
• Prepared revenue data on a month end basis to load in salesforce.com which help fixed income managers to track the revenue production by accounts.

Confidential, Wayzata, MN

Financial Analyst

Responsibilities:

• Revised existing pension plan model giving effect to anticipated accounting changes.
• Developed analysis of potential returns on Investments.
• Planned on a firm-wide basis for legal, compliance, risk management and corporate development departments.
• Assisted risk management department in reconciliation of workers’ compensation accounts.
• Prepared monthly variance analysis and adjusting entries to reconcile accounts and provide variance explanations to the concerned department heads.
• Attended the SNL Analyst training and workshops for the new Merger model, SNL Data Source and Excel Add-in products. We can use these models to in corporate all significant reports and displays used in investment banker presentations when analyzing potential M&A opportunities.
• Analyze potential acquisition targets, provide in depth assessments on performance including cash flow and balance sheet, and recommend valuation and/or acquisition strategies.
• Develop proforma balance sheet using target's financial with different acquisition strategies.
• Perform due diligence on target and prepare summary analysis and presentations for Senior Management.
• Completed analysis of potential investments and acquisitions in target areas using financial data from SNL Data source and FDIC’s web-site.

Confidential

Consumer Lender

Responsibilities:

• Take consumer loan applications, accurately enter information in the system and explain the credit decision to consumer based on TCF guidelines for loan approvals.
• Make sure consumer file is complete with all the required documentation.
• Analyze consumer's financial situation and suggest TCF loan products according to customer's financial situation.
• Solicit potential customers for TCF loan products.
• Analyze consumer loan application throughout the approval process making sure loan stays within TCF guidelines and not raise any potential compliance issues.
• Achieve branch production goals as assigned.
• Complete consumer lending trainings as and when required.