Christopher Carmichael Email & Phone Number

Denver, Colorado, United States

Managed strategic plan, forecasting and financial close to ensure consensus EPS targets were achieved. Partnered with CEO to develop HTLF 3.0 strategic plan to become top performing. Built EPM data architecture to drive HTLF 3.0 strategy. Reviewed and approved Regulatory Financial filings. Partnered with Treasury to improve capital and liquidity positions to meet or exceed Regulatory requirements post 2023 Bank failures. Delivered top quartile valuation.

Dubuque, Iowa, United States

Strategic Leader supporting management reporting, budgeting and forecasting process to achieve corporate objectives. Collaborate with Senior Leaders to develop and execute key financial and strategic initiatives across the Member banks, Lines of Business and Heartland Support Units.

Cincinnati, Oh

Manage a $1.2B annual expense budget to ensure capital and expense allocation are aligned with Bancorp strategic priorities. Analyze performance through a typical FP&A process, then communicate close and forecast results to management to drive successful strategic outcomes. Build annual Plan to minimize expense growth while exceeding revenue targets. Work with facilities to analyze owned and leased property structures to improve square footage utilizations and minimize costs.

Cincinnati Area, Ky

Financial leader for Commercial Middle Market, Wholesale payments and 13 Regional markets. Manage an 18 person team with five managers. Responsible for FP&A close, forecast and planning for each division, strategic planning, and annual Regional Operating Reviews to drive business performance and meet Bancorp strategic objectives.

Charlotte, North Carolina Area

Greater Chicago Area

Cincinnati Area, Ky

Lexington, Kentucky Area

Cincinnati Area, Ky

Stamford, Ct

Completed GE Financial Management Program with rotations in OTC, GE Money, Structured Finance and Auto Leasing. Awarded National Honors all 4 semesters and graduated #1 in my class. Worked as a Sr. Analyst in FP&A in Structured Finance after completion of FMP.

Cedar Rapids, Iowa, United States

Medical Lab Technician with the 73rd Combat Support Hospital. Supervised Lab procedures during drill weekend. Selected to be a Squad Leader during basic training. Only solider promoted after basic training due to leadership skill and attaining highest physical test score. Chosen to serve in the Ready Reserve for two years in Washington DC. Unit activated during Desert Storm conflict.

Master Of Business Administration - Mba, Accounting And Finance

Bachelor'S Of Science