Todd Stephens Email & Phone Number

Covington, Ky

Duties include:• provide vending and Micro Market food services to several hundred IRS and Homeland Security staff at the IRS Gateway Building in Covington, KY.; provide food services via vending to travelers along I-64 at the Rowan County and Carter County Rest Areas and Welcome Center; provide vending services to the Federal Corrections Institution (FCI) in Ashland, KY. • Conduct business operations that are in accordance with KBE/Randolph-Sheppard regulations• Establish and set pricing structures to maximize profit margins while ensuring fairness in products sold• Build and foster relationships leading to optimal outcomes in reaching goals and objectives• Develop and implement strategic and tactical systems to maximize efficiencies and effectiveness in business operations

• Manage Audio reading service for the print impaired residents of Kentucky, NFB NEWSLINE-KY.• Implement programs to increase subscribership; implement actions to increase usage among existing subscribers• Identify and develop project funding• Manage NEWSLINE Kentucky website and subscriber database• Analyzing variances and initiating corrective actions • Write timely legislative reports according to specified contractual obligations• Update job knowledge by: participating in educational opportunities; reading professional publications; maintaining personal networks; and participating in professional organizations

Ashland

• Primary responsibilities are to manage Audio newspaper and magazine service for print impaired residents of Kentucky, NFB NEWSLINE-KY.Duties included, but not limited to:• implemented programs to increase subscribership; implement actions to increase service usage among existing subscribers• Identified and developed project funding• Provided marketing outreach; provide subscriber outreach• wrote timely legislative reports according to specified contractual obligations

Lexington, Ky

• Developed, maintained, applied and coordinated AT efforts for Technology Access Center• Implemented adaptive technology tranings in: computer access, technology for cognition and augmentative communication• Administered AT consumer evaluations and explore suitable technology or intervention alternatives • Strategized and integrated cost-effective adaptive technology consumer options

Lexington, Ky

• Structured and monitor American Recovery and Reinvestment Act project consumer database • Assisted with the facilitation of funding for NFB Newsline project • Developed and implement spreadsheets to maximize accurate reporting to fund sponsors • Prepared quarterly and annual financial statements for board review • Co-chaired regular steering committee staff meetings • Engaged in activities involving individual and system advocacy

• Prepared financial reports, including tracking monthly accruals among several departments• Analyzed and explained variances when necessary• Prepared monthly sales volume reports• Developed and monitored Management Information Systems reports for finance group Special Projects: Reconciled Business Loan Division fixed asset reports to the bank’s general ledger and system database. Developed spreadsheets ensuring accurate financial/accounting reporting.

• Analyzed and underwrote new and existing loan requests in a high production environment • Evaluated routine to complex credits to determine credit worthiness of the borrower• Exercised effective communication of underwriting decisions with customers• Negotiated credit structure and pricing with customers when applicableSpecial Projects: Chosen to represent division for Business Expo trade shows. Wrote credit scoring procedures manual for Business Direct Division. Provided training for new center’s loan officers in Phoenix, AZ. Delivered credit underwriting presentation to the division’s senior management. Assisted marketing group with new product development.

• Analyzed all small business loan/line requests offered by the Business Banking Division• Proficient in advanced accounting, finance, bank credit policies and risk analysis

• Provided monthly forecasts and variance analysis to group controller• Prepared and submitted quarterly student loan reports according to federal government guidelines• Assisted department managers concerning guidelines for annual budget and fixed asset reportsSpecial Projects: Conducted efficiency studies on departments within loan center. Participated in negotiations and drafted proposal for work site’s new food service contractor.

• Responsible for determining credit worthiness on large lines of secured/unsecured credit• Evaluated cash flow, liquidity and net worth of applicant• Assisted in the creation of credit analysis presentations• Trained and mentored credit officers

• Analyzed and evaluated secured/unsecured consumer loans• Communicated credit decisions to branch representatives• Monitored override approvals submitted from retail branches

Responsibilities included: ordering and stocking store merchandise, and checking customers out in a timely manner.

M.B.A., Finance

B.A., Business Administration