Chris Carvalho Email and Phone Number

- Identified Process Improvements & Worked with Executive Senior Management to save the bank several hours of work per month which in turn will improve the bank’s bottom line. - Collaborated with CFO on Budget Forecasting for Entire Bank by Branch & Cost Center.- Trained New Hire for Staff Accountant/AP Role & Trained Intern to be Back up for Various Daily Functions.- Reconciled Bank’s Investment Accounts, Identified and Resolved any discrepancies between GL and Custodial Reports.- Trained as Back up for Fixed Assets & Accounts Payable- Documented entire process for investments and Accounts Payable for future staff training.- Produced various Financial Reports monthly for CFO’s presentation to Board of Directors and Asset-Liability Committee (ALCO) - Balanced Daily Transactions for All Branches & Reported any discrepancies to Compliance Department- Maintained Various Tax Schedules & Prepared Personal Property Tax Declarations for Bank Branches- Conducted Monthly Variance Analysis

- Developed & Maintained Relationships with Homeowners, Customers and Vendors/Service Providers - Marketed Homes for Sale using Social Media, E-mail, Direct Mail, and Outbound Calls- Negotiated & Prepared Purchase Contracts- Reviewed Offer Details- Advised Clients- Mentored Newly Hired Staff and Experienced Associates - Maintained Detailed Business Records- Analyzed Tax Write Offs, Deductions & Credits to Reduce Tax Liability- Processed Quarterly & Annual Tax Payments

Achieved Stock Market ROI in excess of 35% since 2012.Consistently beating the S&P 500 by conducting in depth market and financial statement analysis. Followed the analyst reviews and rating upgrades/downgrades for triggers and adjusted accordingly whenever the fundamental catalyst changes.

Allocated 10-20% of Portfolio funds toward a Crypto Mix consisting of Bitcoin & Ethereum. The purpose of this allocation is two fold: - Stock market diversification- Speculation on further cryptocurrency adoption world wide over time.

Diversified toward P2P lending which was bringing in 21% ROI with less than a 1% default rate through implementation of risk mitigation techniques and credit profile analysis. Forced Liquidate of account due to Lending Club changing their policy and stopping individual investors from investing in personal notes in 2022.

Investing Capital into Residential and Commercial Real Estate projects through Nation Wide Partnerships with track record of net ROI between 6-8% annually.Liquidated account with CrowdFund due to low returns compared to long lock up periods. Reinvested in growth stocks and diversified through ETFs which keep funds extremely liquid.

Utilized short term low interest financing opportunities 0-3% APY along with excess cash reserves to invest in safe fdic insured bank CD’s which were paying between 5-8% APY. Relatively risk free and an easy way to generate a respectable ROI.

Acted as a fiduciary to clients by advising them on potential tax savings opportunities, Prepared individual tax returns: 1040’s w/ Itemized Deductions, Interest & Dividend Income, Self-Employed Income, Investment Capital Gain/Loss, Rental Income, and Self-employment Tax.

Worked on all aspects of an audit including performing the Following Testing during Busy Season 2019 in Public Accounting: • Cash Disbursement/Receipt Testing • Invoice Testing • Inventory Shipping/Receiving Procedure Testing • Accounts Receivable/Accounts Payable Cut Off Testing • Searches for Chances of Revenue Overstatement & Unrecorded Liabilities • Pay Roll Testing • Fixed Asset Additions/Disposals/Depreciation Testing*By no means an exhaustive list but gives an indication of the many opportunities provided - Maintained Confirmation Logs- Prepared Audit Work Papers- Collaborated with Team & Clients- Mastered Audit Software & Improved Excel Skills- Refined Time Management Skills

Worked on a variety of client deliverables including preparation of tax returns during Busy Season 2018 in Public Accounting:- Prepared Tax Returns- 1040's along with Various Schedules - Sch A: Itemized, Sch B, Sch C, Sch D, Sch E, Sch F- Collaborated with Team & Clients regarding missing documentation- Mastered Tax & Cloud Software & Improved Data Management Skills- Refined Time Management Skills

Worked on all aspects of an audit including performing the Following Testing during Busy Season 2018 in Public Accounting: • Cash Disbursement/Receipt Testing • Invoice Testing • Inventory Shipping/Receiving Procedure Testing • Accounts Receivable/Accounts Payable Cut Off Testing • Searches for Chances of Revenue Overstatement & Unrecorded Liabilities • Pay Roll Testing • Fixed Asset Additions/Disposals/Depreciation Testing*By no means an exhaustive list but gives an indication of the many opportunities provided - Maintained Confirmation Logs- Prepared Audit Work Papers- Collaborated with Team & Clients- Mastered Audit Software & Improved Excel Skills- Refined Time Management Skills

• Maintained permanent support schedules for balance sheet accounts• Reviewed/processed daily inventory transactions and analysis• Maintained customer leased & general fixed assets module• Participated in full-cycle accounting, including schedule prep, proper general ledger postings and reconciliations; maintain consistent, strict monthly reporting schedule; prepared journal entries accurately; reconciled general ledger accounts and resolve discrepancies• Identified areas of improvement and created new mechanisms to promote efficiency, organization, and accuracy.• Prepared & filed property tax declarations and finalize through to A/R & A/P• Performed other duties as assigned or required by Controller• Completed special projects as needed

- Temporary Assignment Through Robert Half Accountemps- Analyzing vendor invoices, calculating total incoming inventory quantities, total value of shipments, computing customs duty amounts, finding the export, summary, and payment dates and entering them into excel. If any discrepancies occur, we must contact our international vendors/distributors to have issues resolved in a timely manner. Meanwhile, gathering proper customs documentation and saving them into properly named folders within share point to effectively keep record of invoices for seven years. All of which must be completely accurate before shipments arrive and clear customs.

- Created a diverse portfolio of stocks- Described the logical reasoning behind each investment made whether it be due to any analytically calculated ratios, stock price to 52- week low, if due to product preference, or whether the stock is undervalued.- Managed and tracked both individual stock performance and portfolio performance- Executed trades based on economic factors and individual stock returns to increase capital gain retention.- Described in detail the reasoning behind each trade performed- Created a written report for the professor detailing the performance of the portfolio.- In the time I managed the Portfolio, the return exceeded 50%, which equals a 120% Annual Return on the Investment.

- Conducted an in-depth Financial Analysis of General Electric Company.- Researched GE's History/Background - Industry - Products - Target Market - Competitive Environment - Analyzed the last 3 years of Financial Statement - Income Statement - Balance Sheet - Statement of Retained Earnings- Calculated Net Cash Flows, Tax Rate, NOPAT, Operated Cash Flows, Operating Current Assets, Operating Current Liabilities, Net Operating Working Capital, Total Operating Capital, Net Investment in Operating Capital, and Gross Investment in Operating Capital.- Calculated Apple's Free Cash Flows and Connected my findings to Managerial Performance.- Calculated Financial Ratios such as Current Ratio, Quick Ratio, Cash Flow to Total Debt Ratio, Days' Inventory, Days' Receivables, Days' Payable, Cash Conversion Cycle, Cash Turnover, Total Asset Turnover, Current Asset Turnover, Fixed Asset Turnover, Cash Conversion Efficiency, Total Liabilities to Total Assets, Long Term Debt to Capital, Times Interest Earned, Return on Investment, Return on Assets, DuPont Return on Sales, and Return on Equity.

- Conducted an in-depth Financial Analysis of Apple Inc.- Researched Apple's History/Background - Industry - Products - Target Market - Competitive Environment - Analyzed the last 3 years of Financial Statement - Income Statement - Balance Sheet - Statement of Retained Earnings- Calculated Net Cash Flows, Tax Rate, NOPAT, Operated Cash Flows, Operating Current Assets, Operating Current Liabilities, Net Operating Working Capital, Total Operating Capital, Net Investment in Operating Capital, and Gross Investment in Operating Capital.- Calculated Apple's Free Cash Flows and Connected my findings to Managerial Performance.- Calculated Financial Ratios such as Quick Ratio, Debt Ratio, Tie Ratio, Price Per Share, Book Value Per Share, P/E Ratio, and M/B Ratio.- Analyzed Apple's Stock Performance for the last 3 years compared to the S&P 500 - Related trends in Stock Performance to Financial Ratios, Free cash Flows and Managerial Performance.

• Group Manage $130,000.00 Investment Portfolio (The Ad Astra Fund)• Track Financial Holdings, Monitor Daily Performance• Analyze Fund, Utilizing Internally Developed Stock Valuation Models• Class Discussions of Current Economic Issues

Key Duties & Responsibilities• Accept retail and/or commercial deposits, loan payments, process checking and savings account withdrawals.• Cash checks.• Maintain an adequate cash drawer at all times; this includes buying and selling currency from thevault as necessary.• Balance cash drawer in accordance with Bank procedures and regulations including periodicbatching of cashed checks.• Process credit card cash advances.• Answer customer inquiries and refer customers to the proper service area for issues that cannot beresolved at the teller line.• Providing additional products including Cashier’s Checks, Personal Money Orders.• Assist customers in accessing safety deposit boxes.• May be responsible for bank opening and/or closing.• Maintains the highest level of confidentiality with all information obtained.• Promotes the bank’s products and services.• Represent the Bank in a manner that maintains and expands positive relations with all customers,potential customers and co-workers.Knowledge, Skills & Abilities• Excellent customer service skills, attentiveness, information retention, tact and diplomacy in dealing with both customers and employees.• Mathematical skills.• Strong communication & organizational skills.• Detail oriented, high degree of accuracy.• Ability to work in a fast-paced environment & under pressure as needed.• The ability to make sound decisions. This may include making on-the-spot decisions regarding customer transactions; weighing customer satisfaction issues with the Bank’s exposure to loss orfraud and the ability to think through and rationalize decisions.• Familiar with retail banking regulations and teller roles and responsibilities relating to each.• The requirements listed above are representative of the knowledge, skill, and/or ability required. Reasonable accommodations can be made to enable individuals with disabilities to perform theessential functions.

Rent, buy, or sell property for clients. Perform duties, such as study property listings, interview prospective clients, accompany clients to property site, discuss conditions of sale, and draw up real estate contracts. Includes agents who represent buyer. Job Tasks• Present purchase offers to sellers for consideration.• Act as an intermediary in negotiations between buyers and sellers, generally representing one or the other.• Compare a property with similar properties that have recently sold to determine its competitive market price.• Advise clients on market conditions, prices, mortgages, legal requirements and related matters.• Promote sales of properties through advertisements, open houses, and participation in multiple listing services.• Accompany buyers during visits to and inspections of property, advising them on the suitability and value of the homes they are visiting.• Prepare documents such as representation contracts, purchase agreements, closing statements, deeds and leases.• Confer with escrow companies, lenders, home inspectors, and pest control operators to ensure that terms and conditions of purchase agreements are met before closing dates.• Interview clients to determine what kinds of properties they are seeking.• Coordinate property closings, overseeing signing of documents and disbursement of funds.• Generate lists of properties that are compatible with buyers' needs and financial resources.• Contact property owners and advertise services to solicit property sales listings.• Arrange for title searches to determine whether clients have clear property titles.• Display commercial, industrial, agricultural, and residential properties to clients and explain their features.• Review property listings, trade journals, and relevant literature, and attend conventions, seminars, and staff and association meetings to remain knowledgeable about real estate markets.• Coordinate appointments to show homes to prospective buyers.