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● Lead monthly close, financial reporting, risk analyses, budget-to-actual analyses, business unit strategic planning, and respective policies & procedures documentation● Inform board members and executive management of new/developing US GAAP accounting standards, adoption, implementation, and respective financial effects and disclosures● Support and collaborate with business unit owners for operational initiatives and provide accounting perspective with underlying data, key performance indicators, and respective spend allocations● Active member on the following company committees: Leadership, Asset/Liability Balance Sheet Management, Product, IT Steering, Audit, and Crisis Management● Enhance and implement real-time financial and accounting, processes, models, metrics, tools, and control systems● Manage annual salary bonus incentive budget, accruals, deferrals, payouts, and potential clawbacks● Oversee accounting operations, accounts payable, vendor management and wire desk

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● Streamlined reporting for departmental strategic plans with financial dashboards● Performed financial planning, analysis, and other special projects for the executive committee

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.