Accomplished financial analyst and skilled manager with ten years experience and proven ability to impact corporate performance through skillful orchestration of fiscal management and team leadership. Expertise in financial statement analysis, operational management, regulatory compliance, and consumer lending. Provide strategic value by leveraging current financial administration trends and regulatory guidelines to shape solutions and approaches. Open and clear communicator with demonstrated vision and disciplined execution.
Financial Analysis and Reporting
Polished communication skills
MS Office Suite
Controller10/2016 to 02/2017Roadway SpecialtiesAustin, TX
Oversaw company accounting activities including tax compliance, payroll, and cost accounting.
Developed and controlled operating budget by performing in-depth analysis of revenue, cost allocations, and expenditures to ensure optimal cost control.
Managed Company cash flow, fixed assets, and debt levels.
Supervised day to day office activities and staff of eight employees while maintaining full responsibility of monthly and quarterly financial statement preparation.
Restructured and analyzed accounting software to improve budget reporting.
Resolved more than 30 outstanding discrepancies by conducting a comprehensive review of journal entries spanning a 12 month period.
Identified inefficiencies in operational processes and recommended necessary improvements.
Capital Markets Credit Analyst II02/2015 to 10/2016Farm Credit Bank of TexasAustin, TX
Performed financial analysis, industry research, and collateral analysis for various loans and investments from $10 million to $75 million for the bank's capital markets portfolio.
Determined probability of default ratings, financial metrics, and company strengths and weaknesses to make recommendations for approval or denial of loans to a loan committee.
Conducted periodic risk analysis and annual reviews to monitor financial strength and compliance.
Monitored a portfolio of over 40 clients across agricultural related businesses and utility companies.
Developed relationships and worked with other Farm Credit institutions and banks to facilitate the bank's participation in syndicated transactions.
Manager II09/2007 to 02/2015Office of Consumer Credit CommissionerAustin, TX
Managed daily operations and staff of twelve in a branch of the Finance Commission.
Monitored to ensure compliance of over 33,000 businesses and individuals involved in consumer lending.
Successfully monitored and forecasted department budget.
Directed special investigations, research studies, and compliance audits.
Analyzed and reported industry and department information to the Agency, Finance Commission, Legislature, and other Stakeholders.
Represented the Agency and gave presentations at meetings, conferences, and hearings.
Co-managed development and implementation of proprietary IT system which resulted in a considerable increase in operating efficiency.
Financial Examiner II
Conducted compliance audits and investigations at businesses involved in consumer lending, to determine and report on financial conditions and compliance with State and Federal regulations.
Examined loan documents and financial information for several industries including motor vehicle sales, mortgage lending, payday and title lenders, and property tax lending.
Prepared examination reports and submitted work papers to support audit and investigation finding.
Acted as team lead in out of state examinations.
Worked closely with other state and federal regulatory agencies to ensure compliance.
Assistant Loan Officer03/2007 to 08/2007American Home MortgageSan Antonio, TX
Performed general clerical duties including answering phones, filing, and scheduling appointments.
Entered new loan applications into underwriting software and analyzed results.
Opened and prepared loans for processer, ordered title, appraisal, and insurance.
Prepared and maintained withdrawn loans.
Customer Service Representative05/2001 to 05/2013Calgary Pass VenturesSan Antonio, TX
Adapted to customer needs and built up clientele to maintain and increase sales.
Developed ways to become more efficient in operations.
Trained new employees to ensure all operating procedures and monetary transactions comply with company policy.
Developed and implemented new policy on employee pay resulting in increased production and sales.
Project Management CourseJanuary 2014University of Texas Governors Center
Management Development ProgramJuly 2011University of Texas Governors Center
BBA: FinanceMay 2007University of Texas San Antonio