Focused, dynamic, and knowledgable financial analyst with over 9 years professional experience in finance and treasury delivering value-added analysis to the company. Successful track record of producing high quality analysis under any circumstance while always willing to do what is best for the team.
Proficient with Microsoft Office Excel, Word, Powerpoint
Proficient with Oracle Hyperion Essbase
Effective Time Management
Team and Results Oriented
Senior Bank Financial Analyst, 01/2016 to Current Scottrade Bank – St. Louis, MO
Performed detailed variance analysis for month end reporting across multiple business lines and actual versus budget analysis for allocation accounts and drivers for business support departments.
Prepared and analyzed multiple lending department forecasts and budgets using driver based methodologies.
Responsible for managing the annual Capital Plan process by coordinating with multiple departments to update corresponding sections of the Capital Plan using the Strategic Plan and forecasted financials to which was presented to the Board of Directors and submitted to the regulatory agencies.
Developed a dynamic FDIC expense forecasting tool that any user could change multiple inputs and the quarterly FDIC expense would be calculated. This tool was used for strategic forecasting, expense allocation, and DFAST.
Responsible for running and enhancing Funds Transfer Pricing process monthly with the AVP Finance.
Performed ad hoc analyses such as new product line developments or competitor performance analysis.
Senior Treasury Analyst, 03/2014 to 12/2015 UMB Bank – Kansas City, MO
Model developer and owner of the capital forecasting tool that produced a fiver year forecast of capital ratios for the consolidated company ($18B in assets) and bank entity. The capital forecast tool was also used for ad hoc analysis, which included stock repurchases or M&A activity, to determine the impact to capital. Responsible for managing all assumptions and proactively updated as necessary with business leaders and support departments.
Reviewed and provided feedback for the annual budget and monthly forecasting processes with FP&A to ensure that all assumptions on rates and business drivers were in sync with the capital forecast tool and capital forecast plan.
Responsible for identifying over $100MM in assets that were being misrepresented in the FDIC call report for risk-weightings, leading to an increase in company capital ratios.
Managed the internal municipal bond credit scoring model to benchmark the bank's municipal bond portfolio against the credit ratings of Standard and Poor's and Moody's. The scoring model assumptions and input was updated every six month's to help identify any rating trend deteriorations.
Responsible for establishing and managing the annual review scope for the $2 billion municipal bond portfolio credit reviews. Presented all credit review suggestions to the Treasurer and SVP Capital Finance and Planning.
Performed quarterly credit reviews of all approved companies on the corporate bond purchase list and provided recommendations to add or remove companies to the Treasurer.
Managed the regulatory Dodd Frank Stress Testing (DFAST) project plan and worked with multiple departments to ensure all model development and validation activities were performed. Worked with SVP Capital Finance and Planning to update the qualitative document submitted to the regulatory agencies.
Financial Analyst, 07/2007 to 03/2014 UMB Bank – Kansas City, MO
Implemented the corporate allocation process during the bank conversion from SAP to PeopleSoft. Made suggestions to FP&A teams to enhance methodologies for cost allocations to the lines of business.
Worked with SVP Operations Finance on forecasting $120MM in annual expenses for the Operations and MIS lines of business.
Provided monthly budget variance reporting to the Operations department managers. Produced and reviewed cost allocation methodologies of their departments to the business lines to ensure methodologies were consistent with best practices.
Designed credit card expense database used to track monthly transactional costs and verify contractual pricing with vendors. Presented data findings and expense reduction strategies to management monthly.
Oversaw monthly accruals for credit card portfolio income and expenses. This included monitoring annual rebate payouts, rewards liabilities and sales growth incentives.
Created an annual profitability report on healthcare clients used to calculate bonus payouts for the healthcare sales team.
Developed a deposit fee transaction analysis that discovered numerous trends from different customer segments in the retail sector. This analysis was further used in the annual budgeting process to set goals by the branch distribution network.
Worked with the HELOC product manager to produce a loan database tracking customer migration trends and future loan balances. The output was used as a managing tool for forecasting future balances and yield analysis.
MBA: Finance, 2011 University of Kansas - Overland Park, KS
Bachelor of Science: Finance, 2007 University of Nebraska - Lincoln, NE