Fred Curry, Mba Email & Phone Number

410 Peachtree Pkwy, Ste 330 Cumming Ga, 30041

I am a VP of Mortgage Lending at Guaranteed Rate Affinity. NMLS# 1903942. Guaranteed Rate Affinity NMLS# 1598647. At Guaranteed Rate Affinity, we provide the best experience possible, featuring incredibly low rates, fantastic customer service and a fast, simple process! Guaranteed Rate Affinity NMLS 1598647 1800 W. Larchmont Ave., Chicago, IL 60613 (888) 844-9888 • grarate.com Equal Housing Lender For licensing information, go to… Show more I am a VP of Mortgage Lending at Guaranteed Rate Affinity. NMLS# 1903942. Guaranteed Rate Affinity NMLS# 1598647. At Guaranteed Rate Affinity, we provide the best experience possible, featuring incredibly low rates, fantastic customer service and a fast, simple process! Guaranteed Rate Affinity NMLS 1598647 1800 W. Larchmont Ave., Chicago, IL 60613 (888) 844-9888 • grarate.com Equal Housing Lender For licensing information, go to www.nmlsconsumeraccess.org www.grarate.com/licensing | www.grarate.com/privacyGA: Residential Mortgage Licensee 68845 Show less

Atlanta, Georgia, United States

Atlanta, Georgia, United States

Atlanta Metropolitan Area

Fred CurrySenior Mortgage Loan Originator Southeast Mortgage of Georgia, Inc.NMLS #103956Georgia Residential Mortgage Licensee #6578280 Interstate North Circle SE, Suite 350Atlanta, GA 30339NMLS: 1903942, GA: 68845

Greater Atlanta Area

Fred CurryMortgage Loan Originator Southeast Mortgage of Georgia, Inc.NMLS #103956Georgia Residential Mortgage Licensee #6578280 Interstate North Circle SE, Suite 350Atlanta, GA 30339NMLS: 1903942, GA: 68845

Greater Atlanta Area

Analyst responsible for delivering analytical and project support for the retail business unit. Focuses on synthesizing and incorporating complex data from multiple sources into comprehensive knowledge, actionable insights, and business recommendations. Gathers data from multiple sources and assimilates into meaningful inputs for the company’s budgeting & forecasting model. Prepares financial variances and performs sensitivity analysis as requested.

Greater Atlanta Area

Responsible for forecasting, planning, budgeting, analysis and management reporting for SouthStar's largest retail market.Gather information from numerous sources to complete forecast and explain variances to budget, prior year and prior forecasts.Work with commercial teams to understand and advise leaders on potential earnings risks.Create and enhance tools and models to analyze customer/product profitability and other facets of business that impact profits.

Greater Atlanta Area

Greater Atlanta Area

Situational inventory modeling, pricing analysis, sales reporting and analysis

• Deliver budgeting and forecasting for co-op advertising and rebates for the GBU ($30 million annually). Improved forecasting accuracy through in depth analysis of historical trends, existing customer programming and better communication with sales team.• Managed rebate expense line and variance analysis. Ensured that increases over budget were matched with adequate incremental sales revenue. • Completed both regular and ad-hoc profitability reporting. Focused on product-line… Show more • Deliver budgeting and forecasting for co-op advertising and rebates for the GBU ($30 million annually). Improved forecasting accuracy through in depth analysis of historical trends, existing customer programming and better communication with sales team.• Managed rebate expense line and variance analysis. Ensured that increases over budget were matched with adequate incremental sales revenue. • Completed both regular and ad-hoc profitability reporting. Focused on product-line profitability down to operating income by customer segment. • Performed post audits for organizational learning and business case development. Evaluated the profitability of customer and consumer promotions, leading to profitable sales growth. • Executed month-end close responsibilities and balance sheet reconciliations in accordance to GAAP and Sarbanes-Oxley guidelines. Show less

• Initiated activities to increase business unit profitability. This included identifying opportunities for price increases, commission reductions and operating improvements• Team member when creating CCE’s first vending outlet profitability model. Model accurately estimated the contribution margin and operating income for over 300,000 individual outlets.• Utilized knowledge of operations to create scorecards (in Excel) used when identifying operational weaknesses and non-compliance… Show more • Initiated activities to increase business unit profitability. This included identifying opportunities for price increases, commission reductions and operating improvements• Team member when creating CCE’s first vending outlet profitability model. Model accurately estimated the contribution margin and operating income for over 300,000 individual outlets.• Utilized knowledge of operations to create scorecards (in Excel) used when identifying operational weaknesses and non-compliance to initiatives. Information used by operations directors and managers to directly address/correct issues.• Analyzed profitability of credit card vending machines. Analysis used to define business case for broader deployment of cashless machines. Show less

• Led or participated in numerous process improvement efforts. Streamlined complex financial models, strengthened controls and documentation and automated sales reports using macros (Excel VBA). • Led first effort to analyze customer-specific marginal profitability of 40,000 existing GPC customers, contributing to the development of end use marketing strategy. • Delivered financial analysis and performance utilizing profitability and probabilistic methods, (e.g.regression analysis… Show more • Led or participated in numerous process improvement efforts. Streamlined complex financial models, strengthened controls and documentation and automated sales reports using macros (Excel VBA). • Led first effort to analyze customer-specific marginal profitability of 40,000 existing GPC customers, contributing to the development of end use marketing strategy. • Delivered financial analysis and performance utilizing profitability and probabilistic methods, (e.g.regression analysis, discounted cash flow, rate of return, and ROI). • Contributed to ratepayer and shareholder value by evaluating unprofitably priced customer load additions.• Influenced sales efforts (250 persons) with financial and profitability analysis of products, services and marketing programs. • Utilized marginal cost evaluation techniques to perform economic analysis of demand-side measures (DSM). Compared the economics of DSM against projected generation capacity and energy costs. Show less

Mba, Business Administration

B.S., Business Administration

Activities and Societies: Student Senate, Student Traffic Court