Timothy Rutland Email & Phone Number

Southfield, Michigan

Responsible for reporting and analysis surrounding loan portfolios. Will be involved in stress testing, allowance for loan loss calculation and support, and developing various credit risk reports for the loan portfolios, Will work to automate reports where possible using supporting systems.

Troy, Michigan

Responsible for all functions supporting the allowance for loan & lease losses - analysis, reporting, forecasting, budgeting, etc. • Subject matter expert on loan / lease allowance staying up-to-date on regulatory and accounting guidance and be liaison with other areas of the bank on the allowance. • Responsible for controls around the allowance processes to ensure compliance with SOX, GAAP and regulatory requirements. • Addressed concerns from external auditor regarding the allowance support and analysis resulting in full compliance and sign off by the auditor on the process.• Assist in development of new allowance process to comply with recent GAAP release of Current Expected Cumulative Loss method that will be in place by 2020.• Became subject matter expert on data sources used in reporting and analytics on the loan and lease portfolios.

Troy, Michigan

Established new team to develop analytics and reporting on the loan portfolios held for investment, including portfolio analysis, credit quality, peer analysis, and trend analysis. • Became subject matter expert on the allowance for loan and lease losses for the held for investment loan portfolios, including calculation, reporting, analysis, budgeting, and forecasting. • Developed consolidated reporting and analysis on loan and lease portfolios, i.e. delinquency reporting, risk rating trends, non-performing trends, balance trends that hadn’t been previously provided to management.• Worked to automate processes and improve controls surrounding the overall performance of the allowance and portfolio reporting by developing and enhancing data extraction methods.• Addressed deficiencies identified by the regulators in the allowance process regarding the allowance estimation, procedures, and controls resulting in full compliance.

Troy, Michigan

Developed loan portfolio analysis and reporting for commercial loan portfolio; also managed all forecasting, budgeting, and monthly financial analysis of Commercial Lending and several Shared Service divisions. • Provided complete financial support to assigned business units in understanding financial performance and developing budgets and/or forecasts on a periodic basis.• Developed loan data base for reporting and analysis of the commercial loan portfolio.• Developed analysis and reporting surrounding the commercial portion of the allowance for loan loss to better predict impact to the financial statements.• Managed two senior financial analysts who assisted in the financial planning process for the assigned business units.

Troy, Michigan

Contributed to smooth transfer of duties within scheduled time frame during corporate transition.• Developed and managed multiple loan databases to monitor credit quality reporting and analysis and produce reports.• Orchestrated calculation, analysis and forecasting of loan loss reserves, market write-downs and other factors influencing profit and loss. • Established reputation as subject matter expert on data sources for the consumer loan portfolio.

Troy, Michigan

Handled analysis and credit quality reports for regional bank's loan portfolio as well as the total consumer loan portfolio on a national level.* Provided expertise on forecasting, budgeting, and monthly financial analysis of Consumer Risk Management division, with annual expenses of over $20 MM.* Engineered expert reporting on delinquencies, losses and recoveries, outstanding loans, reserves and total commitments and reconciled portfolios to general ledger.* Contributed to integrating IFRS 39 accounting standard in local loss reserve calculations.* Developed tools to better analyze and forecast loan loss provision for the different business units.

Farmington Hills, Michigan

Handled all reporting and analysis surrounding the credit quality of the lending portfolios at the Bank. In addition, served as Business Unit controller for Risk Management division with annual expense budget of approximately $17 MM. • Streamlined loan loss reserve calculations through collaboration with Australian parent company in development of dynamic provisioning processes.• Optimized forecasting procedures used to determine credit quality measures through incorporation of added live data from multiple areas to strengthen predictions.

Farmington Hills, Michigan

Commanded accounting and analysis operations as leader of 7-person team of financial professionals. Managed financial analysis and reporting on investments, fixed assets, loans, foreclosed properties and inter-company accounts.

Audited financial records for clients in real estate, construction and education. Assisted in preparation of financial statements and tax work papers for same clients. Assisted health care client in reconciling accounts, preparing financial statements, preparing budgets, and preparing cost reports on a consultant basis.

Prepared general ledger entries, account reconcilements, and maintained financial records. Assisted Director of Finance in preparation of financial reports, budgets, tax returns, and audit of accounts. Assisted systems manager in running accounts payable checks, running accounting reports, and backing up the accounting system. Monitored delinquent student accounts receivable and followed up on accounts that were 90 or more days delinquent.

Bachelors, Accounting

Masters, Finance