Jonathan Apilado Email & Phone Number

United States

Goleta

• Manage liquidity, capital, profitability, pricing, financial modeling, and interest rate risk sensitivity
• Lead evaluation of team culture, business strategies, opportunities, innovation, project management, organizational performance, optimization, and efficiencies
• Review and assess product cost-benefit analyses, budgeting, forecasting, implementation, negotiation, deployment, and on-going performance
• Monitor accuracies, controls, risks, validations, cybersecurity issues, possible legal actions, SOX and regulatory/third-party audits
• Manage financial model calculations, supporting documentation, loan loss history, risk grading, forecasting and overall transformation of an incurred loss model to an expected loss model
• Manage equity compensation, stock option and restricted stock plans, and common stock repurchase programs

Goleta, CA

• Prepared and analyze SEC public financial reports 10-K, 10-Q, and quarterly press releases
• Managed Federal Reserve Bank reporting and other regulatory reporting for government agencies
• Enhanced and process the calculation of the monthly provision for loan loss through data management and policy
• Produced monthly financial statements, capital and yield reports for the Board of Directors and senior management
• Participated in SOX committee for internal controls, operations, disclosures, and audits
• Implemented various stress and back-testing for quarterly financial business models and validations

Community West Bank

• Organized Asset/Liability Management reporting for interest rate risk and fair value modeling
• Produced budgeting and forecasting models for multidepartment business structure
• Investigated and reported monthly actual-to-budget variances
• Reviewed and managed general ledger on daily basis and bank account reconciliations on monthly basis
• Interacted directly with Ernst & Young auditors for quarterly walkthroughs and annual audits

Goleta, CA

• Conducted accounting for investments, fixed assets, FHLB financing, loan participations and federal/state taxes
• Administered CDARS interbank deposit accounting
• Reviewed and reconciled daily wire transactions and accounts payable accounts

Pacific Coast Banking School, Banking And Financial Support Services

Activities and Societies: Masters certificateExecutive management and leadership curriculum

Bachelor Of Arts (B.A.), Global Studies

Activities and Societies: Sports Management Minor, UCSB Men's Soccer- National Finalists2010 Professional Accounting Certificate- UCSB.