Thomas Barger Email & Phone Number

San Francisco, California, United States

San Francisco Bay Area

• Produced monthly and quarterly reports for board-level review. Report information included liquidity position of the company and equity allocation of balance sheet (>$2bn in equity, >$7bn in assets)
• Sustained optimal daily cash flow levels within the company ($50m-$150m per day), ensured cash requirements met 100% of the time to sustain business needs ($10B in loans), directed warehouse funding team to borrow cash.
• Created and lead the monthly balance sheet planning and liquidity committee to optimize ROE by recommending to management equity allocation towards high yielding assets while maintaining appropriate leverage and free.
• Led the identification, categorization, and scheduling of the sale of defective loans. Coordinated cross functional team to remedy and reduce the balance by $40m
• Remodeled the daily liquidity report to include credit warehouse utilization levels to minimize interest expense and save >$20k per day

San Francisco

• Led cross-functional team to revamp daily loan pledging to warehouse lines, reducing the pledging process by 7 days resulting in improved balance sheet efficiency
• Served as point of contact for numerous warehouse facilities. Prepared wires and communicated payment information for all aspects within the Financial Operations department
• Trained and supervised new financial analyst for warehouse funding activities and reporting
• Handpicked by CFO to co-chair internship program. Managed 4 interns in the summer of 2017, supervising their day-to-day work output. Organized learning sessions with senior management to expose the team to different.
• Drafted monthly investor reporting to banking and debt partners and ensured compliance with credit agreements

San Francisco, CA

- Conducted full due diligence and investment analysis on potential absolute return / credit and equity investment funds- Built research note sheets for HCP investment advisors to assist in evaluating new investments in portfolio managers- Prepared and presented a public equity report on South Africa and research report on Corporate Tax Inversions to the.

San Francisco, CA

- Contributed to development of the enterprise credit model to determine optimal borrower interest rates for Student Loan Refi product- Evaluated risk profiles of specific borrower cohorts including employment, income, cash flow, and credit to recommend pricing adjustments to increase origination volume without compromising overall portfolio quality.

San Francisco, CA

- Tested GIS software projects, assisted in writing instructions for software use, maintained and updated company website- Worked with a team of 4 GIS software developers to analyze, scope, and plan new project proposals

Master Of Business Administration - Mba

Bachelor Of Science (Bs), Management Science & Engineering, 2015

2010