Elizabeth Frolin Email & Phone Number

Houston, Texas Area

• Identify, analyze, and qualify value-oriented benefits to impact the bottom line for companies• Quantify and substantiate results on consulting projects through client presentations and written/technical reports• Develop and manage relationships and trust to ensure a positive experience, generate sales, and grow the business• Consult with C-level suite and CPAs on tax related incentives and related business processes• Analyze client's business and data (both financial and technical)• Collaborate internally with quality control, client relations, accounting, and tax controversy to maximize client benefits and solutions

• Provide senior level management consulting services • Create growth strategies for expansion, redirection and/or acceleration of a client's business aspirations• Define, create and manage: expansion processes, relationships, research, direction and opportunity prioritization• Create business case simulations and financial models/plans detailing various options and scenarios for expansion• Work closely with and present to executive teams• Executive search services: identify, qualify, and interview talent for Director-level roles• Clients include top (NCQA) ranking health insurance and dental insurance plans

• Created Market Development Section of 3 Year Strategic Plan for Sovereign Board of Directors• Created pitch books for prospective buyers of relationships to divest $1.77 billion portfolio (96 relationships)• Authored Group's Retention/Exit Mapping Project to track portfolio and to optimize geographic positioning• Authored Group's Competitive Strategy Project to retain desired, existing customers• Developed new, more efficient approval memorandum template, including new qualitative and quantitative measures and ratios• Managed 20 Relationships with over $760 million in loan exposure: -- Managed creation and delivery of approval memorandums and presentation for approval of $3-140 million complex loans to corporate customers-- Customers included medium to large commercial and industrial companies, including automotive dealerships, with annual revenues ranging from $20-$500 million (privately held) and $5-14 billion (publicly held)-- Met with prospective and existing customers to understand credit needs while structuring and proposing deals with minimal credit risk to the Bank-- Customer analysis, financial analysis and determination, discussion and justification of risk rating and relationship plan

• For various small companies (10/06-6/08): (six clients)-- Delivered operational efficiencies through condition analysis, strategy formulation and implementation• For Sovereign Bank (10/07-6/08): -- Wrote approval memorandums for approval of $2-35 million loans and leases to corporate customers-- Wrote "Credit File Comments" and "Annual Reviews"-- Spread and analyzed client's prospective and existing customers' financial statements and condition-- Conducted customer, industry and competition research (Databases: D&B, SEC, Moody’s, S&P, IBIS World, OFAC)

• Responsible for eight institutional and private clients with investments totaling $3.4 billion, focusing on providing comprehensive and customized advisory services for their financial portfolios• Communicated to clients our analysis and recommended strategic portfolio direction• Created financial models and spreadsheets to examine the risk-return relationship of various asset classes• Efficiently conducted performance analysis on public and private equity and debt funds• Analyzed the effects of investment returns, spending, and inflation on the value of endowments

Bachelor Of Science, Finance, Gpa: 3.84 / 4.0

Activities and Societies: Accounting Club (VP, Secretary), Finance Club, Dean of Freshman's Student Planning Committee, American Red.

Studied Abroad Through Fairfield

Education record