Director of Finance / VP Finance / Finance Manager

Valued financial management professional adept at increasing earnings by reducin

g soft costs. Innovative leader enhancing organizational productivity through pr
ocess re-engineering. Resourceful team player generating financial models to tho
roughly manage fiscal operations.

Financial Management * Operational Analysis * Process Re-engineering * Risk Mana

gement * Investments * Derivatives * Expense Control * Asset Liability Manageme
nt * Strategic Planning * Treasury Management * Policy Development * Cash Manage
ment * Due Diligence * Capital Markets * P&L * Budget Planning * Accounting * Te
am Leadership * Cash Flow Projection * Real Estate Structured Finance

PROFESSIONAL EXPERIENCE

STUBBS AND WOOTTON, Palm Beach, Florida * 2008-Present

International designer and retailer of European crafted fine footwear with natio
nal and international operations.
Chief Operations & Financial Officer
Formulated and implemented business plan intended to position company for maximu
m sales value. Re-negotiated existing contracts intended to enhance corporate v
alue through the increase of gross margins. Restructured corporate operations a
nd personnel in order to streamline processes and efficiencies while reducing ov
erhead costs. Managed staff of 20, nationally and internationally. Established
foreign entity designed to reduce foreign currency exposures. Developed corpora
te budget and established financial reporting model.
* Increased gross margins by 25%.
* Decreased corporate overhead by 20% per annum.
* Developed new manufacturing relationship resulting in a 20% cost reduction.
FOURSQUARE PROPERTIES, Carlsbad, California * 2007-2008
National retail / lifestyle center developer with over 4 million square feet und
er development and over 2 million square feet under management.
Finance Manager
Formulated project development plans intended to achieve optimal funding structu
res. Developed and standardized loan finance memorandums. Sourced and negotiated
loans and equity funding intended to support funding initiatives. Analyzed ex
isting loan structures in order to maximize or recapitalize projects to enhance
corporate earnings. Guided the activity of junior staffer.
* Secured bank commitments for 4 projects worth $125M.
* Renegotiated existing loan facility lowering borrowing costs by 7%.
* Standardized and created financing proposal platform.

PAGE TWO *

MEDALLIST DEVELOPMENTS, INC., Jupiter, Florida * 2004-2007

Global real estate development company specializing in golf courses and lifestyl
e communities with $2B in annual sales.
Finance Manager
Determined borrowing needs for North American projects. Formulated and maintain
project proformas and cash flow schedules. Arranged bank loan packages, negotiat
e loan terms and acquire funding for projects. Examined annual project budgets t
o ensure loans support funding initiatives. Provided ad hoc analysis requested b
y executive management. Recommended options to limit corporate earnings exposure
via hedging. Trained junior staffer to moderate departmental tasks and guided 2
project controllers.
* Secured bank commitments for 3 lines of credit for 2 projects worth $138M.
* Slashed borrowing costs by 3% over existing credit lines.
* Originated budgeting and financial reporting model compatible for American len
ding institutions.
* Standardized reporting process and created financing proposal platform.

RENAR DEVELOPMENT COMPANY, Jensen Beach, Florida * 2003-2004

Florida-focused residential land development company with $70M in annual sales.
Financial Analyst
Spearheaded annual budget and supporting schedules. Assessed loan documents and
negotiated with lenders on terms for new credit lines. Aligned corporate objecti
ves with debt compliance. Conducted cash flow modeling and due diligence. Organi
zed bank loan packages for new initiatives. Devised recommendations for hedging
to limit corporate earnings exposure.
* Resolved discrepancy between cash outflows and borrowing inflows by negotiatin
g an amended draw schedule with 7 of 8 lenders. Enabled company to consolidate r
eporting on draw requests into 1 process instead of 7, reducing the cash differe
ntial from 20% to 3%.
* Generated reports to automate draw requests based on new schedules, slashing d
raw processing from 1 week per month to 1 day per month.
* Lowered interest rate risk by instituting hedging program. Provided 5% of net
income as positions were liquidated.
* Innovated formal budget based on factual data and business trends.
FIRST MUTUAL BANK, Bellevue, Washington * 1995-2003
Full-service bank in greater Seattle area with satellite lending office in Flori
da. Company had $80M in annual revenue during tenure.
Assistant Vice President and Lead Financial Analyst (2000-2003)
Championed A&L management and reporting on bank interest rate risks and earnings
exposure. Developed risk policies in accordance with A&L processes. Oversaw $15
0M investment portfolio. Revamped annual budget on yearly basis. Organized inter
est rate shock simulation materials. Proposed and executed new products to ampli
fy corporate revenue. Offered monthly presentations to board of directors on int
erest rate risks. Served on bank's A&L and Investment committees.
* Increased income on outstanding checks in transit by 300% via switching cleari
nghouse.
* Boosted ROE on investments to 33.5% by deploying strategy to match fund invest
ments with borrowings.
* Raised product income by 75% via re-engineering of product line.
PAGE THREE *

* Revitalized reporting and analysis of interest rate risk and A&L policies, sig
nificantly improving bank rating from audit.
Methods Analyst (1998-2000)
Originated operating manuals for bank departments with asset levels exceeding $5
00M. Devised quantifiable benchmarks and staff utilization reports for personnel
positions to determine workflow yield. Assessed performance efficiencies and in
efficiencies to improve earnings and reduce expenses.
* Lowered soft costs by $600K.
* Automated processes, eliminated redundant functions and increased productivity
.
Senior Accountant (1995-1998)
Produced monthly A&L and operational reports. Instructed junior staff and review
ed their performance for accuracy. Organized year-end audit scheduling. Research
ed and recommended new reporting processes in alignment with FASB requirements.
* Collaborated on development of new business unit profitability report to revie
w individual performance of each bank's operating segments. Enabled company to d
etermine capital usage of units and predict needs for additional capital.
* Bolstered processing time of reports via automation process. Reduced human err
or from previously used manual process and saved 2 days per month of staff time
to review documents.
SUMMIT SAVINGS BANK, Bellevue, Washington * 1991-1995
Full-service bank serving Greater Northwest region with $20M in annual revenue a
nd $300M in assets.
Senior Accountant
Directed cash investment and reporting functions. Oversaw investor reporting to
FNMA and FHLMC. Trained junior staff on accounting practices. Assisted in budget
creation.
* Improved cash investment income by 50% yearly by finding under-utilized overni
ght sources to lower interest rate by 2% on excess cash.
* Implemented new budget and rate shock software platforms.

EDUCATION
Bachelor of Arts in Accounting
City University, Bellevue, Washington