• Perform fundamental credit analysis of high yield corporate issuers in the health care, manufacturing, consumer products and business/consumer services sectors. • Assign and maintain appropriate ratings on a portfolio of 28 issuers and manage the associated staff.• Develop complex financial models and author credit committee memos focusing on credit risks/benefits, enterprise valuation, liquidity analysis and default/capital structure assessments. • Lead due diligence sessions with senior management (CEO/CFO/Treasurer), senior private equity partners, and senior bankers as part of ongoing portfolio management duties. • Analyze loan documentation to understand structural considerations for all transactions.• Author a full suite of industry and company specific research focused on forward views.• Present to investors at one-on-one meetings, round table discussions and conferences.• Teach new hire/associate development courses and participate in recruiting new hires. Recent Publications (outside my normal portfolio publications):• SGLMonitor & SGLMonitor Flash (bi-weekly): Author publications on liquidity trends as an indicator of economic health and a predictor of default rates by analyzing Moody’s Speculative Grade Liquidity data. • Radiation Oncology Sector Comment (Dec 2015): Legislation to Freeze Freestanding Radiation Oncology Rates is Credit Positive – impact of The Patient Access & Medicare Protection Act.• US Healthcare Reimbursement Roundup (Oct 2015): Final Medicare Payment Updates for Fiscal 2016 are Mostly Credit Positive – the impact of the final Medicare rates for 2016 by sub sector.

• Managed a $10.4 billion Commercial Surety book of business and the corresponding staff.• Assessed the financial health and creditworthiness of each account within the portfolio.• Developed deal recommendation for all new accounts and consulted with Underwriting, Risk Management, Credit Policy and Legal to properly structure exposure limits, pricing and collateral. • Identified financially troubled accounts and developed a workout plan to avoid or minimize losses.• Earned three promotions within 4.5 years from Financial Analyst to Manager.

• Performed the financial analysis and consulting required to manage pension plans for Fortune 500 corporations.• Utilized plan specific equations to forecast future pension amounts and assisted participants with retirement planning based on individual objectives.