Timothy Nell Email & Phone Number

California, United States

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;● Implement a business intelligence tool and dashboard reports;● Develop financial models and analyze them to support strategic initiatives;● Support management team and the Heads of Department with data-driven analysis.

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● Created quarterly Asset Liability Risk Management reports (e.g., interest rate risk, economic value of equity) with capital stress-testing models and forecasts● Designed and streamlined monthly loan projection reporting process for portfolio concentration risk analysis and liquidity risk management● Assisted in preparation and presentation of annual CPA Reviewed Financial Statements Financial Business Partner● Served as finance partner to departmental managers to enable increased financial performance understanding and effective budget management● Collaborated with business to conduct annual loan planning and prepare quarterly forecasts● Provided ad-hoc support and analysis to departmental managers as needed

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, manufacturing and construction)● 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● Ordered and analyzed credit bureau reports for personal cash flow and debt service requirements