Natalie Vick Glusman Email & Phone Number

Florida, United States

Miami/Fort Lauderdale Area

Miami/Fort Lauderdale Area

I performed Credit review, analyses and scoring for renewable fuels including ethanol, biodiesel and used cooking oil. I evaluated alternative long-term borrowing strategies and make recommendations in accordance with the capital structure guidelines. I assisted with execution of new debt agreements and amendment of existing debt agreements as required.I forecasted daily cash requirements, set up all electronic ACH & wire payments and execute daily financing decisions including cash positioning, borrowing and investing. I evaluated counterparty's financial strength based on guidelines outlined in corporate credit policy and procedures and through sound financial analyses of financial statements and other relevant market intelligence. I assessed and negotiate favorable credit terms and credit limit threshold levels that enhance liquidity position of the company and minimizes counterparty exposure. I evaluated and monitored current and potential exposures against established credit limits for all transactions associated with counterparties and enforced strict credit margin maintenance requirements.I managed relationships with financial service providers, monitored bank service fees and addressed quality issues. I supported issuance of standby letters of credit and bank guarantees. I prepared timely and concise credit position and exposure reports, margin and collateral management activity reports, as well as various ad-hoc as well as scheduled regulatory, financial and management reports related to counter party risk exposure and risk rating concentration. I maintained and manage credit risk and counterparty information within system of records in risk management system and maintain online banking systems.

I performed Credit review, analyses and scoring for biofuels, crude, gas, bunkers, and natural gas liquids trading divisions. I evaluated counterparty's financial strength based on guidelines outlined in corporate credit policy and procedures and through sound financial analyses of financial statements and other relevant market intelligence. I supervised, trained and developed 3 employees in Credit Department.I Secured parent guarantees and other measures to mitigate against counterparty risk. I also assessed and negotiated favorable credit terms and credit limit threshold levels that enhance liquidity position of the company and minimizes counterparty exposure. I evaluated and monitored current and potential exposures against established credit limits for all transactions associated with counterparties and enforce strict credit margin maintenance requirements. Additionally, I worked closely with treasury, front office and settlement group to quantify the amount of collateral to be posted or collected and track the levels of interest expenses or income associated with collateral activities. I prepared timely and concise credit position and exposure reports, margin and collateral management activity reports, as well as various ad-hoc as well as scheduled regulatory, financial and management reports related to counter party risk exposure and risk rating concentration. I maintained and managed credit risk and counterparty information within system of records in risk management system. Ensure information is accurate and properly recorded and maintained. I also ensured confidentiality of agreements reached with counterparties and secure the collateral and sensitive files are in compliance with record retention policies

I performed risk focused financial exams and regulatory consulting services for state insurance departments and industry. This includes preparing reports, exhibits, and other supporting schedules that detail a company’s solvency, condition and compliance with laws and regulations. I recommended solutions to questionable financial conditions. I audited internal controls related to claims, underwriting, reinsurance, tax and others as needed. I also prepared risk assessments of inherent and prospective risks and evaluated risk mitigation strategies.I organized, analyzed and synthesized information/research based on client needs; adapted approach when necessary; and promoted firm’s consulting methodology. I contributed to the growth of the firm by maintaining a high degree of client contact and identifying client needs. I initiated discussions to expand existing services through a solid understanding of the firm’s service capabilities and offerings. I contributed to the proposal process by helping define scope, drafting statement of work, and preparing engagement budget and timelines.

As a Financial Analyst, I coordinated the annual budget process and performed monthly and quarterly forecast and analysis for Sales, Medical, Marketing and International Departments. I provided timely and meaningful financial analysis that highlights both favorable and unfavorable trends in order to create actionable items that led to profit improvements. I prepared ad hoc financial management reports and presented to Executive management team. I also extracted financial data from accounting and information systems to perform financial and cost accounting analyses. I performed budget preparation and budget variance analysis for 3 Area Vice Presidents and 15 Business ManagersI developed corporate-wide investment policies and procedures for capital projects in manufacturing facility in El Paso, TX. I assisted in development of compensation plan for national Sales force.

Masters Of Business Administration, Finance

Bachelor Of General Studies, Communication Studies