Timothy Nell Email & Phone Number

Walnut Creek, California, United States

• Manage and evaluate balance sheet position and risk, through detailed forecasting and modeling, including liquidity risk monitoring, cash flow forecasting, and interest rate risk management;
• Support President & CFO with macrolevel economic insights according to current economy and banking industry;
• Support for production business line units by providing data and insight into loan and deposit production trends and pipeline reporting;

• Focus on strategic planning and reporting, balance sheet and divisional direction;
• Analyze the trends of Key Performance Indicators (KPI), especially relating to financial metrics such as sales, expenditures, and profit margin;
• Monitor KPI, and identify the cause of any unexpected variances;
• Develop and continually improve budgeting, financial projections, and operating forecast;
• Ad-hoc business performance reporting;
• Present the monthly and quarterly financial reports of various units and departments;

Walnut Creek, CA

• Modeling and Analysis
• Created monthly models and reports to enable C-Suite (CEO, CFO and Chief Credit Officer) to understand and mitigate risks and achieve business objectives
• Conducted variance analysis on sales agent performance to understand impacts of specific products
• Developed advanced models and analysis to influence sales compensation changes
• Developed quarterly and annual variance models and projections to manage P&L and Balance Sheet, including ROI and ROA analysis, cash flow analysis, liquidity analysis and financial trend reviewFinancial Reporting
• Managed quarterly and annual budgeting process, including Board of Director approval

Walnut Creek, CA

• Assisted with variance analysis and commentary for month-end P&L and Balance Sheet reporting to executive management and Board of Directors
• Completed ad-hoc business analysis and presentation requests
• Prepared various annual reports for Audit Committee
• Supported Business Units and Credit Administration with special projects
• Conducted enhanced training and analysis as lead administrator of CRM software (ACT!) to increase sales performance and efficiency

Walnut Creek, CA

• Reviewed, spread and analyzed business and personal financial statements and tax returns, including financial ratios, cash flow analysis and covenant calculation
• Performed KPI and variance analysis on business and personal clients, including identifying working capital cycles, key business drivers and trends for various client industries (e.g. professional services.
• Managed credit approval requests, preparation of pro forma financial statements and projections
• Counseled relationship managers on credit risk
• Collaborated with credit administration on credit structuring
• Monitored key Business Loan Agreement covenants in accordance with bank policy, including running detailed borrowing base analysis on client accounts receivable and accounts payable agings