Developed financial and operational reporting, policies and procedures for increased efficiency and productivity, and leading to a tripling of line of credit for subprime indirect auto lender.

Chief Financial Officer for multiple lines of business producing $45 billion in annual loan originations. $200 million budget; staff of 18.• ROI/Investments. Managed business case modeling for geographic expansion and capital spending proposals. Set standards and created follow-on reports to hold managers accountable after implementation.• Staffing Optimization. Developed staffing capacity models to control and optimize staffing levels. Created productivity measurement system to manage individual and regional productivity.• Incentive Compensation Management. Designed and implemented new commission plans for underwriters, funders, and customer account managers; motivated staff, enhanced productivity, and substantially increased accuracy. The plan structure used to determine and justify downsizing with quantifiable performance numbers of every employee. Developed key performance indicator metrics (KPIs) and targets and administered quarterly management payouts based on goal achievement.• Budgets and Reporting. Collaborated with business unit managers to prepare annual budgets; oversaw monthly tracking of actual vs. budget.

* Financial plan and budgets. * Forecasting equity capital and cash.* Acquisition Analysis* Pricing* Management Incentive program.* Asset-Liability Management

Cash Management Banking Group - Financial Planning & Analysis (1995 - 1996)Member of the division senior management team. Directed all financial functions to successfully manage and grow this $500 million revenue business. * budgeting* terms and pricing for new business proposals* new methodologies to measure the division’s profitability.Financial Analysis Department, First Interstate Bank of California (1989-1995) Vice President & Department Manager Directed Mergers and Acquisitions, General Consulting, and Branch Profitability Analysis. Provided analytical support to Management Committee on strategic issues including profitability of businesses and products.