Credit Risk Analyst - Amerant Bank - Miramar, FL
(2024-02)
- Calculate the Allowance for Credit Losses (ACL) and Credit Risk SEC reports. Accountable for ACL model development, documentation, implementation, and performance testing. Custodian of Credit Risk Models (Risk Rating, Market Ratings, RAROC, etc.). Prepare monthly and ad-hoc Credit Risk reports.
- Update the ACL loss factors (prepayment, WARM, Vintage, qualitative adjustments and transfer risk factors).
- Updates and maintains monthly Credit Risk data used by the department to prepare the required reports, track loan portfolio performance, and ACL adequacy, among other credit risk functions.
- Assists in CECL's ACL model performance and validation testing, and ensures Model documentation is up to date
- Calculated and reported the bank's Allowance for Credit Losses using Moody's Analytics (RiskCalc and Impairment Studio)
- Extract and update C&I borrower financial data from nCino to calculate Expected Default Frequency (EDF) using Moody's RiskCalc
- Accurately and completely report all criticized loan assets (Substandard and $1M) every quarter, ensuring each includes a thorough impairment analysis
- Validating and approving DSCRs and LTVs against Annual Review/Proforma/Credit Memo to ensure accuracy and the most up to date.
- Analyze and interpret variances to provide explanations during period closing process.
Sr IT Bus Fin Analyst (Consultant) - Steven Douglas - Deerfield Beach, FL
(2023-01 - 2023-05)
- Led financial responsibilities for the forecasting of resource, vendor, operational, and professional services spending, ensuring effective allocation of resources and budget optimization.
- Developed Power BI dashboards utilizing ServiceNow data for forecasting, budgeting, and KPI trends.
- Worked closely with Project Managers to ensure the successful achievement of all financial forecasts each month, implementing mitigation strategies for any variances.
- Responsible for the tracking of internal and external Statements of Work, approvals, and eventual invoices.
Sr Bus Management - NEXTERA ENERGY - Juno Beach, FL
(2018-10 - 2022-05)
- Advance accuracy and efficiency by integrating use of Oracle SQL to perform data analysis and create key metric. Review Power Purchase Agreements performance MW threshold requirements to minimize the risk of liquidated damages. Maximize revenue opportunities thru optimizing costs.
- Mitigate complete deterioration of equipment and vehicles by introducing Power BI dashboards that closely track maintenance needs, preventive care, and cost evaluation; identify opportunities to decrease spending.
- Used SQL and data analysis to identify $1M revenue from extracting historical, 5 years, hourly SCADA data.
- Enhance organization and assist in planning by investigating current conditions and preparing estimations and forecasts for potential needs; systemized audits on vehicle warranties to save time and increase efficiency.
- Drive the profitability of NextEra's renewable portfolio by analyzing and optimizing the fleet's operations.
- Perform the financial evaluation and business case development of O&M and capital investment opportunities, including financial due diligence, presentation of key investment benefits and risks to senior management.
- Produce and communicate independent analytical insights on expenses and wind site performance metrics which influence P&L, developing appropriate visualizations and presentation materials to make such insights useful for management's decision-making.
IT Financial Lead - EXELON CORP - Baltimore, MD
(2015-01 - 2018-01)
- Coordinating the monthly close and forecast processes & related variance analysis for both the baseline and project budgets. Accountable for maintaining the sound financial variance model widely used across the business unit. Advanced results by overseeing wholesale and retail long-range planning financials for Capital and O&M projects. Provided accurate forecasts.
- Proactive monitoring and tracking of IT portfolio investments to maintain enterprise-wide visibility in alignment with budget targets.
- Manage financial management processes, including analyst of actual results to forecast and budget for labor/non-labor Baseline and Project Portfolios.
- Systemized the comparative process by developing a financial tool that compared actual vs forecast and enabled users to compare future forecast against budget; one-stop solution eliminated 3 hours of manual work.
- Experienced in the SCADA system; implemented the release of two displays and resolved Instantaneous Reserve Check calculations.
AVP (Energy Trading Risk Management) - CITIBANK - Houston, TX
(2012-09 - 2014-12)
- Remained dedicated to accurate and complete reporting while correcting any data errors. Displayed proficient in properly interpreting data and communicated findings to the leadership team. Collaborated with cross-functional staff to identify, create, and implement systems efficiencies and reporting capabilities.
- Delivered a solution to the Prod Control Group that reduced their P&L variances from $250 million to $250 thousand.
- Resolved a swap valuation that was configured incorrectly due to a holiday.
- Managed to resolve a financial reporting issue due to mapping and missing new trades in the system.
- Reconciled and deployed P&L attribution in compliance with the Volker Regulation.
- Resolved and implemented precious/non-precious metals, FX (foreign currencies), crude oil, and refined products (HO & RBOB) curves definition and date sequence for accurate deal valuation and reporting P&L.
- Lead bi-weekly steering committee with key stakeholders to highlight upcoming deliverables, issues & projects.
Lead Bus Analyst - WELLS FARGO SECURITIES - Charlotte, NC
(2012-01 - 2012-08)
- Conducted analysis of business and user needs by gathering requirements and effectively defining them for the technology development team. Supported middle office, sales & trading efforts as it relates to the expansion and enhanced usage of ENDUR v10. Subject-matter expert for ETRM (ENDUR) system.
- Implemented new/enhanced functionalities (date sequence, reset fixing, valuation, holding instrument, volatility, and correlation) in OpenLink on all traded commodities (NGL, CRUDE, NAT GAS, METALS, AGRICULTURES, POWER, REFINED PROD)
- Successfully transferred/replaced LIBOR with overnight index swap from Calypso to OL Endur
- Ensured project documentation, artifacts and deliverables are maintained and approved by the appropriate owners and stakeholders.
- Implemented date sequence and holidays schedule to all agriculture and metal deals for pricing and settlement.
- Implemented new model valuation to all basket option trades.
