• Oversees and directs financial operations and activities. Establishes economic and financial strategies, objectives, and policies. Performs economic forecasting and modeling to ensure future success of the organization.• Establishes and ensures financial policies and activities follow sound financial principles and are in compliance with all banking regulations. • Makes sound economic strategies and forecasts that help ensure success. Meet or exceed financial goals.

• Oversees and directs financial operations and activities. Establishes economic and financial strategies, objectives, and policies. Performs economic forecasting and modeling to ensure future success of the organization.• Establishes and ensures financial policies and activities follow sound financial principles and are in compliance with all banking regulations. • Makes sound economic strategies and forecasts that help ensure success. Meet or exceed financial goals.• Provides recommendations to the President/CEO to potentially improve the balance sheet mix and/or income and expense categories, as well as improvements for products, services, pricing and processes.• Oversees the accurate and timely preparation of financial records, reports, and plans and the reporting to the Board and federal regulatory agencies. • Directs and manages the investment portfolio and activities as custodian of funds, securities, and assets of the organization. Promotes the organization in financial markets to ensure sources of capital. Provides safekeeping, control, and accounting for assets and investments.• Formulates and executes investment policy. Prepares financial forecasts. Effectively manages income and expenses. Monitors cash position to ensure sufficient availability of funds.• Establishes, reviews, and updates financial strategies, objectives, policies, and procedures to ensure regulatory compliance and optimal efficiency.• Directs preparation and evaluation of the operating budget. • Serves as a member of the Management Team. Advises on all aspects of accounting and financial management. • Implements, models, reviews, presents institutional risk. • Prepares and coordinates the monthly Finance and CECL Committee meetings.• Prepares and coordinates quarterly asset liability meetings. • Prepares for and participates in strategic planning meetings and execution of plan.

Responsible for fiscal functions and performance in accordance with generally accepted accounting principles issued by the Financial Accounting Standards Board, and regulatory and advisory organizations in accordance with financial management techniques and practices appropriate to the industry. Review credit union policies and procedures to ensure compliance with all related laws and regulations applicable to the credit union.Accomplishments:• Instrumental in working with regulatory agency and auditor relative to a loan participation program.• Improved the Allowance for Loan Losses account methodology.• Analysis of credit score migration for our loan portfolio.• Preparation of the annual income projections and financial plan.• Conversion to a new software platform for budgeting and analysis.• Assistance to collections in regards to the impaired loan process.• Assisted in the first purchase of a loan portfolio from another credit union to generate additional income.

• Perform weekly, monthly, quarterly, and annual financial reporting for complex consisting of $12MM in annual sales with 10 stand alone business units.• Develop weekly rolling forecasts and annual budgets, identifying risks and opportunities. • Responsible for internal and external reporting preparation and distribution to stakeholders.• Analyze financial results for both internal and external use.• Track and maintain monthly profit and loss statement and balance sheet activity.• Resolve various accounting and reconciliation issues.• Perform reconciliation and analysis for several balance sheet accounts.• Responsible for all cash handling procedures.• Maintain inventory and cost control procedures.• Review of general ledger and balance sheet. • Perform related duties and special projects as assigned.

Executive Director of an independent 501(c) (3) not-for-profit corporation whose mission was to identify and provide appropriate goods and services, which may not otherwise be provided by Clinton Community College or SUNY. Provided strategic and tactical leadership for the Corporation. Auxiliary services are an integral part of the college experience. Auxiliaries support traditional campus operations as well as enrich the overall quality of campus life to better compete in the higher education marketplace.• Collaborated closely with College's administrative leadership in support of the academic mission.• Provided leadership that is engaging, visionary, and supportive of all employees. • Executed on strategies to ensure the financial and human capital resources were deployed effectively in support of the Corporation's mission. • Developed and supported the annual budget to include projections and forecasts. • Presented monthly financials to the Corporation's Board of Directors.• Reviewed the Corporation's four operations and made recommendations to the Board of Directors.• Reviewed contracts and bids for the Corporation.• Coordinated the human resource and payroll function to include the year-end audit process.• Oversaw third party collection efforts to ensure compliance with federal and state regulations. • Maintained contracts, policies and reports.

• Instrumental part of a successful strategy focused on implementing a sales culture, creating operational efficiencies, improving financial results, and creating a superior experience for the membership. • Contributions yielded improvements in lending, profitability, and membership growth. • Directly responsible for financial operations including financial reporting at the entity and consolidation level and its wholly-owned CUSO-FC Insurance Agency. • Complete and report on cash flows, liquidity, concentration risk, allowance funding requirements and troubled debt restructures.• Member of the senior management team modeling, managing and mitigating institutional risk reporting directly to the President/CEO.• Supervised, coached and mentored a staff accomplishing the objectives of the Finance and Operations Department.• Maintain a working knowledge of the general ledger system and accounting functions in accordance with GAAP, and the guidance of established procedures, NCUA, and independent auditors.• In conjunction with the President/CEO, manage the investment portfolio.• Manage the asset-liability modeling function and conduct product profitability and pricing structure analysis. Present outcomes providing alternatives and options.• Complete and present required regulatory reporting to supervisory agency, management and Board of Directors.• Develop and implement ideas to improve the process related to the Finance and Operations Department.• Analyze, justify, and make recommendations to the President/CEO of possible changes that would enhance the efficiency of the Credit Union.• Assist in the professional development of the Credit Union's Compliance Officer through coaching and mentoring on legislative affairs, policy development and regulatory compliance. • Keep abreast of all federal, state, and NCUA regulations.

• Planned directed and controlled the organization’s overall financial plans, accounting, practices, and relationships with regulatory bodies, the financial community, and external auditors. • Oversaw and directed the areas of business development, lending, collections, budgeting, accounting and investments. • Loan Growth 6.2%; Net Worth Growth 2%; Asset Growth 1.5%; Membership Growth 12%Accomplishments: • Provided solutions to maintain and enhance earnings and net interest margins through lending and investment opportunities and management of liabilities;• Developed and implemented senior management level policies;• Facilitated “risk based lending” and collections training program representing an advanced approach to lending in an effort to provide the credit union’s consumer loan officers the necessary tools to effectively meet the needs of A through E borrowers with expectations of experiencing higher net yields, lower delinquencies and charge-offs;• Developed and executed an investment strategy consisting of fixed income securities whereby the investment yields and the cost of liabilities was more equitable reversing recent trending;• Centralized the accounts payable process to enhance internal controls and earnings;• Identified weaknesses and allocated additional resources to the asset recovery department (collections) to facilitate the timely charge-off of non-performing loans and increase revenue streams through recoveries;• Advocated credit union industry initiatives directly with congressional representatives; and• Assisted in the deployment of innovative new retail banking services while maintaining favorable economies of scale.

• Planned and directed all organizational activities in accordance with policies as established by the board of directors. Responsible for ensuring financial stability commensurate with the best interest of the members, the employees and the Credit Union.Under new leadership and direction, addressed and resolved significant deficiencies relative to recordkeeping and accounting and reporting irregularities, internal controls, substandard underwriting and collection practices, operational matters, compliance and regulatory concerns. Accomplishments:• Stabilized the Credit Union and resolved significant deficiencies with the development and deployment of a risk management program through policy, process, personal and control systems. • Achieved a high level of regulatory and financial transparency with interested parties;• Developed and maintained a realistic budget, net worth restoration plan and business plan to address regulatory concerns under Prompt Corrective Action; • Addressed concerns regarding safety and soundness, credit, interest rate, liquidity, transactional, compliance, strategic, and reputation risk.• Facilitated a “risk based lending” training program representing an advanced approach to lending in an effort to provide the Credit Union’s consumer loan officers the necessary tools to effectively meet the needs of A through E borrowers with expectations of the Credit Union experiencing higher net yields, lower delinquencies and charge-offs; and• Achieved a 22% reduction in overall operating expenses and increased investment and non-interest income while continuing to deliver innovative retail banking products and solutions.

• Responsible for all aspects of the budgeting and financial management of the school district. • Developed and prepared tax-levy reports for the district, tax collector, and government agencies. • Performed, coordinated and administered the district’s human resource function. • Planned and coordinated the year-end audit with the external auditing firm.

• Oversaw the practice’s financial policy, payment options, and account collections.

• Planned directed and controlled the organization’s overall financial plans, accounting, practices, and relationships, with regulatory bodies, the financial community, and external auditors. • Directly responsible for such functions as asset liability management, business and net worth restoration plans, budgeting, payroll and human resources, compliance, internal controls, investments and policies. • Loan Growth 38%; Net Worth Growth 34%; Asset Growth 31%; Membership Growth 23%

• Responsible for implementing, performing and monitoring the internal audit and compliance program for the bank.• Researched regulatory and financial issues, assessing the impact to the Bank.