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141 The Glen

Tamiment, PA 18371

Results-oriented, innovative and skilled corporate finance professional, with e
xtensive experience in budgeting and forecasting, P&L variance analysis, modelin
g, reporting, and ad-hoc projects. Strong Excel skills, and financial systems ex
pertise in SAP and Oracle. Extensive experience in cost improvement and strateg
ic and business planning. Highly effective communicator and problem-solver. To
ok operational system manuals written for IT to convert entire bank commercial l
oan portfolio into workable system used by one of NJs largest banks.

Panasonic Service and Technology Company, Secaucus, NJ
Senior Business Analyst
Led service company in data acquisition as power user for SAP and Oracle for ana
lysis of sales, returns, inventory, and billing, to make substantive canned and
ad hoc reporting to Engineering, upper management, Finance, and return center in
Integrated and improved prior Finance Managers Cost Accounting model to include
cubic space fixed expenses, hourly rate by category, and per unit expense for h
eadquarter expenses.
Created Return and Production Flash reports to bill sales companies for Product
Renewal Division services within first half of first business day/mo. Setup or
iginal Excel file links to simplify process and comply with one day billing requ
Redesigned mechanism to bill sales companys Finance department for accrued PRD
services for units by product category to be completed in future months using ne
w Excel file links to streamline process for all billing.
Analyzed over-budget General Ledger Accounts, suggesting and implementing corre
ctive steps, resulting in lower unfavorable budget variances in future months.
Wrote over 25 operating queries as Oracle power user to create departmental dai
ly, monthly, and annual reports covering product categories, customers, sales mo
dels, inventory and related warehouses, return reasons, repair codes, etc., usin
g interviews, intuitive questioning, and experience-related skills, resulting in
first time proper results rarely requiring further inquiry.
Accountants on Call, Paramus, NJ
Account Temp
King Alarm - performed bank reconciliations.
Panasonic Services reconciled Construction in Progress account.
Apple Food Sales Co., Inc., Leonia, NJ 1994-1997
Import Manager
Created simplified computerized shipping log to keep management informed of sta
tus of $20-30M/year of shipments.
Reported Accounts Receivable to keep management informed of delinquencies in ab
sence of tracking system, via automated spreadsheet.
Improved on network of trucking, rail and steamship company contacts to make me
rchandise movement easier to trace using single lookup vs. shuffling thru stack
of shipping documents.

Grand Imports, Ramsey, NJ 1994

Import Manager
Established procedure to collect under export and transfer Letters of Credit (L
/C) for each transaction over $36K.
Set up procedure to make L/C in favor of product supplier conform to needs of G
rand Imports.
Collected over $50K in payment on 2 Letters of Credit previously unpaid by issu
ing bank.
Streamlined collection of Transfer L/C in favor of Grand Imports from 2-1/2 mon
ths to 10 days, saving $500 in bank fees per transaction, while improving cash-f
National Community Bank, West Paterson, NJ
Vice President and Trade Services Manager-International Division
Supervised staff of 12, including 3 officers and 9 Trade Service technicians. Co
ntrolled Banks portfolio of $50M in Standby Letters of Credit,$15M Commercial Le
tters of Credit, $4M in Acceptances and Bankers Acceptance financing, Export are
a and Foreign Collections. Conducted and prepared performance appraisals, recomm
end salary increases and promotions, and handled employee disciplinary actions.
Wrote and approved Letters of Credit for importation of merchandise for banks c
Approved credit under pre-approved lines of credit and authorized stand-alone c
redit within lending authority of $10K per transaction.
Made International Business Development calls resulting in nearly $500K in new
Initiated and controlled line of credit reports for Division simplifying creati
on of credit approvals.
Assistant Department Manager and Assistant Vice-President
Assistant Cashier and Project Manager-Commercial Loan Automation
Read and interpreted software purchased from University Computing Company, Dalla
s to change operating procedures. Designed original input forms. Trained all not
e tellers.
Established and maintained Bank Control File, interpreting UCC system with 92 p
arameters to comply with banks requirements and elements of improvement in bank
loan system and FDIC Reporting.
Maintained interest stream and created consistency for $100,000,000 loan portfo
Assistant Cashier and Lending Officer
Fixed Asset Manager, Management Trainee, Teller, Mail Clerk


MBA-Finance, Fairleigh Dickinson University, Rutherford, NJ
BS-Accounting, Fairleigh Dickinson University, Rutherford, NJ
Granite Computer Institute-Computer Proficiency in Programming in COBOL, AL, RPG
U. S. Army Tours of duty in Frankfurt, Germany and Bien Hua, Viet Nam
Recipient of Good Conduct Metal, Army Commendation Medal and Bronze Star for Mer
itorious Service