David Ridge Email & Phone Number

Salt Lake City, Ut, Us

Draper, Utah, United States

Lehi, Utah, United States

Reports to controller and manages day-to-day treasury functions in order to meet Divvy's financial obligations. Responsible for treasury technology (software side of treasury) and overseeing cash applications. Works closely with accounting and capital markets in order to have precise reporting of A/R to investors and banking partners. Ensures policies and procedures meet Divvy's objectives and regulatory requirements.

Lehi, Utah, United States

Reported to the Director of Banking and Risk Operations and was primarily responsible for the cash applications and A/R processes for the accounting and bank operations department. Key responsibilities included ensuring all ACH and wire payments received directly into the bank account were applied timely and accurately according to company policies, and putting processes and procedures into place from scratch to further streamline this process. • Reconciled all bank accounts and ledgers daily in order to ensure all items were accounted for• Partnered with accounting and risk team to quickly expose issues, working to understand the root cause and offering potential solutions• Worked with banking parters to improve payment processes • Assisted in developing and reporting payment-related activities

Greater Salt Lake City Area

• Manage five direct-reports; conduct monthly managerial reports; sign and review all report summaries; review and approve all wires up to $20M.• Acquired all Impac client reporting in order to improve report effectiveness and advanced interest.• Created widely implemented Wells Fargo trustee reporting template.

Greater Salt Lake City Area

• Oversaw department-level Home Affordability Modification Program; undertook training of new analysts; departmental point-of-contact for U.S. Bank and Deutsch Bank in regard to loan portfolios; produced high-level reports for high-standard investors.• "Excellence in Performance" award for building and managing U.S. Bank trustee reports - 2015.• Improved Excel report processes for multiple portfolios.

Greater Salt Lake City Area

• Created and distributed monthly loan-level remittance reports to appropriate trustees for mortgage-backed securities performance; assisted with departmental ancillary monthly reports; analyzed outages between accounting and remittance reports; validated data from various department sources; collaborated with departments to resolve discrepancies; demonstrated ability to successfully manage various reports amidst hard deadlines.• "Excellence in Performance" award for helping to improve existing analyst training and performance - 2013.• Undertook several new reports in changing atmosphere.

Greater Salt Lake City Area

• Managed and trained three direct reports; oversaw branch operations and was responsible for ensuring branch was compliant with federal regulations and laws; duties included branch audits, reconciling general ledger accounts, and researching outages.• Led branch to #1 ranking in national sales performance and operations - 2012.• Utah "Assistant Manager of the Year" nominee - 2011, 2012.• Appointed as co-chair for Key Bank's Utah Employee Engagement Committee - 2012.

Greater Salt Lake City Area

• Analyzed consumer and business client portfolios; coordinated underwriting of consumer and commercial loans and first/second mortgages; helped clients wisely invest in depository vehicles; actively engaged in increasing branch balance sheet.• Highest balance sheet growth of 14 branches in south Utah area - 2010.• Top branch in Utah for investment revenue - 2010.• Attained top 5% regional customer service score - 2009.

Greater Salt Lake City Area

• Analyzed accounts to maximize client financial benefits; increased bank deposits by directing clients to bank-investment professionals; serviced the banking needs of individual and business bank clients.• Achieved 100% of goal for referrals - 2008.• Recipient of Utah "Teller of the Month" award - July 2008.• Created effective improvement for referral process which became implemented state-wide - 2008.

Orem, Ut

• Managed and trained wireless consultants; utilized advanced computer skills to provide training for integration of two computer systems; audited daily activities and provided analysis; created exceptional customer experiences while managing and motivating consultants.• Recipient of “Top 10 Sales” award – 2005, 2007.• Received “Incredible Customer Experience” award – November 2007.• Effectively managed seven consultants to achieve highest customer service ranking in Utah – 2007.

Master Of Science - Ms, Finance

Emphases: Corporate Finance, Financial Information Systems

Bachelor'S Degree, Business Management

Emphases: Finance and Banking