Promotion to Director of Finance as the department's roles continue to expand:Expansion of the department to three analystsImplementation of ProfitStar Profitability SuiteImplementation of Abrigo Sageworks ALLL software for CECL analysisAsset/Liability Management (ALM) analysis and reportingBudgeting and ForecastingLiquidity Management and Analysis

HAPO's rapid growth brought about increased demands on the analytics and finance function. The role of finance and analytics has broadened during that time from balance sheet risk analysis and budgeting to one of more general financial support for executive management and other areas of the credit union. As Finance Manager, I continue to oversee NEV/IRR, Liquidity Stress Testing, Call Reporting, Loan Profitability Analysis, Concentration Risk Analysis, and Monthly Cash Flow Forecasting. New responsibilities in this role include:-Mentoring and training two direct reports-Analysis of non-interest income and expense for forecasting-Acceptance testing of reports from our new core system-Maintenance of our institutional CD portfolio-Assistance in preparation for the Current Expected Credit Loss (CECL) standard

In this position, I develop, execute, document, and report the credit union’s analytical processes for interest rate risk, liquidity risk, and other analyses related to strategic and regulatory planning. Working with senior management, I help to create the credit union’s annual budget, quarterly, and monthly forecasts, by taking high level management objectives, translating these goals into financial model assumptions, and creating a detailed operational plan.In addition to these primary roles, I also complete the quarterly 5300 call report and submit to the NCUA. I serve as the primary power user for the ProfitStar and Vantage software systems, maintaining, validating, and improving their performance on an ongoing basis. I have trained and coached additional finance staff, and validated and back-tested key model inputs.Some Key Achievements Include:o Designed the monthly Interest Rate Risk reporting package for the credit union, including NEV, Income Simulation, Gap Analysis, and narrative sections.o Calculated the beta and lag coefficients of the credit union’s loans, non-maturity deposits, and CDs in relation to historical movements in Fed Funds.o Estimated internal decay rates of credit union’s non maturity deposits, replacing NERA estimates.o Designed the analytical procedures for quarterly liquidity stress testing.o Used Vantage to perform a valuation of the loan, investment, and certificate of deposit portfolios of two small credit unions that merged with HAPO.o Incorporated risk based pricing and loan profitability analysis into Vantage.o Implemented the Vantage and Wisdom Call Report Assistant Software

In this position, I was responsible for training, consulting, and technical support for IPS-Sendero's budgeting products. The software products included the Budget and Planning System (BPS), CUPLAN, Vantage, and MPC packages. I worked with banks and credit unions ranging in size from $20 million to several billion. Some examples of the services I provided include:Classroom and Webinar trainingSpecialized onsite training.Specialized Consulting EngagementsClient Software SetupsI advised clients ranging from financial analysts to CFO's on topics such as budgeting theory, asset and liability management, and accounting/financial topics.

Consultant to client companies. Project involved collection and reconciliation of a $20 million customer account at a large telecommunications tower company.• Working with project team, reduced outstanding rental receivables balances from $20 million to $6 million in six months. • Designed and administered database used to calculate gross billing, gross payment, and net amounts owed given key inputs. Supervised use of the database throughout the project team and trained fellow consultants in best practices with respect to the database.

Responsible for preparation of department budget and monthly forecasts, monitoring of commercial loan outstandings and departmental expenses, providing budget versus actual (variance) analysis to management, performing NPV/IRR analysis on business line projects, development of analytical models in MS Excel using Hyperion Essbase and Retrieve, conducting activity based cost analysis, and completing ad hoc analysis as needed.• Assisted in creating supporting schedules pertaining to department assets and liabilities being sold as part of acquisition by Citizens Bank. • Created a loan forecasting model which calculated weighted average forecasted yields based on forecasted new-adds rates and existing business rates.

Assisted three business banking relationship managers in the acquisition of new borrowing and deposit-only customers, identification of cross sell opportunities, resolution of customer inquiries, management of loan documentation preparation, and monitoring of a portfolio of borrowing customers to ensure up to date credit information and compliance with loan covenants.

Assisted customers in utilizing Mellon's PC Banking product by troubleshooting modem and software problems, resolving complaints, and providing customer service.