Daniel Badger Email & Phone Number

San Antonio, Texas Metropolitan Area

• Manage inventory levels at various refineries and terminals while working to optimize product movements• Provide strategic solutions and recommendations to marketing and operations when issues arise• Developed a plan to mitigate railcar storage costs which led to savings of $1.1MM• Implemented a risk forecasting process for our railcar activity that enabled our risk group to properly hedge against our refined product exposure and saved Marathon between $100,000 and $200,000 per week• Optimized our tank utilization in Houston, allowing Marathon to eliminate three of the tanks they sublease• Made recommendation to management regarding our railcars that resulted in $100,000 in demurrage savings

San Antonio, Texas

• Streamlined and managed light products inventory reporting process using Excel automation and Power BI• Developed Business Plan to track inventory, production, purchases, sales, and intercompany movements• Transitioned a pricing model used throughout the company from an Excel spreadsheet to an internal system• Reported profit and loss to trading organization and summarized trading activity to management

Houston, Texas Area

• Collaborate with team to provide monthly estimates and forecasts of P&L, company plan and guidance, and comments to variances. Identify key drivers of fluctuation and communicate to business directors• Assemble data and perform analysis on receipts and deliveries, operating expenses, priors, transport tickets, and field personnel to measure operational and financial performance across districts and business units• Utilize reporting models to make material cost saving recommendations to upper management• Consolidate trucking run ticket data and invoice payments for current and prior month accruals• Audit customer invoicing to check for mileage, rate, and fuel accuracy. Several discrepancies have been discovered, and Plains has recouped a number of large credits from third party vendors.• Publish pricing bulletins and collaborate with marketing representatives for pricing strategies• Constructed Microsoft Access database to handle all company and third party trucking activity

Houston, Texas Area

• Handled accounting for crude oil activity via barge, rail, tariff, trucking, and broker fees by booking accruals and reconciling discrepancies between accruals and payable accounts• Monitored counterparty risk through AP aging reports while working closely with credit department• Recorded daily revenue and sales transactions in order to balance gross margin report• Tracked monthly crude oil movements using both counter-party and internal statements• Led project to automate reporting of railcar activity utilizing Microsoft Excel and Access

Tomball, Texas Area

• Managed portfolio of retail problem assets consisting of 100+ accounts and over $3,000,000• Restructured problem assets to mitigate risk and enable loans in default to return to accrual status• Reported material credit actions, such as risk rating or accrual status changes, to loan committee• Worked with lawyers to facilitate foreclosures or collateral repossessions on loans in default• Researched online appraisals and comparables to assist lenders in determining collateral value

Houston, Texas Area

• Identified past due loans and trends based on collateral type in order to address emerging risk• Analyzed financial information and evaluated commercial/retail loan requests for credit worthiness• Monitored and reported problem assets and loan portfolio to the CEO and Board of Directors• Compiled market information to report the economic condition of major markets in Texas • Created and streamlined reporting system for Retail Lending department using Microsoft Access

Bryan/College Station, Texas Area

• Provide computer support to Texas A&M's students and affiliates via phone, email, and in person• Diagnose and solve hardware, software, and networking computer issues• Communicate technical information from specialists and personal knowledge to everyday users

Bryan/College Station, Texas Area

• Analyzed financial documents and prepared loan packages for lenders• Performed cash flow, financial statement, discount cash flow, and ratio analysis• Scanned loan packages and relevant loan documents into banking system

Dallas/Fort Worth Area