Financial Analysis Manager
Current• Primarily responsible for leading the team in control of the financial analysis for the Bank with weekly, monthly, and annual reporting for various committees and purposes. Profitability is a major focus and requires hands-on involvement with every area of the bank. Heavy usage of Excel and Cognos for data mining and presentation. • Asset Liability Management – responsible for the quarterly Interest Rate Risk report and member of the Asset Liability Committee (ALCO). Very familiar with FICast and FIMAC financial modeling as well as various methods of stress testing assumptions. • Forecasting and budget preparation for the $2+ billion bank along with each branch and profit center. Collaborate closely with executive management, department heads, and branch managers to create accurate and useful forecasts. All areas are monitored and coached for further success using KPIs and metrics such as net interest margin, efficiency ratios, and growth percentages. Experienced in merger & acquisition modeling with pro forma financials and consolidations.• Liquidity/Funding Desk – ensure liquidity levels are appropriate by continually monitoring sources and uses of cash. Determine strategies and purchase funding on the Bank’s behalf when appropriate. Created and maintains the Contingency Funding Plan. • Pricing – set interest rates and fees for both commercial and consumer deposits and loans using peer comparisons and a thorough loan pricing model. Also created tools and processes for staff to use for efficiency and error prevention including exception processes. Coach front line staff on proper negotiation with customers to increase profitable sales. Experienced with complicated loan structures such as ARC and SBA lending (504 and 7a).• Secondary Mortgage – work with mortgage lenders to lock rates with investors and ensure pricing is profitable. Manage investor relationships and overall strategy for the mortgage area.
