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Work Background
CEA CAPA Education AbroadAssistant Treasurer
Aug. 2024United States
Array TechnologiesTreasury Leader
Mar. 2023 - Aug. 2024Chandler, Arizona, United States• Responsible for overseeing the company's cash management function, including the development and implementation of cash flow forecasting models, ensuring optimal utilization of funds, and minimizing financing costs.
• Developed and re-vamped the Cash forecasting model, the cash flow input tabs, and the dashboards used to present financial information to senior leadership.
• Managed key relationships with banks, lenders, and other financial institutions to negotiate favorable terms for corporate banking platforms and onboarded new corporate banking relationships.
• Monitored and analyzed interest rates, foreign exchange rates, and other market indicators to optimize investment returns and manage currency risks.
• Collaborated with cross-functional teams to ensure compliance with regulatory requirements, internal controls, and accounting standards.
• Managed debt capital, communicated with providers, administered payments, and optimized resources to reduce costs.
• Led treasury-related projects, such as bank relationship management, implementation of treasury management systems, and process automation initiatives.
• Developed and implemented treasury policies and procedures to enhance operational efficiency and mitigate risks.
• Provided financial analysis and reporting to senior management, including cash flow analysis, liquidity reports, and risk assessments.
• Critical confidant to the CFO empowered to provide mindful solutions for day-to-day efficiency.
Change Home MortgageTreasurer
Mar. 2022 - Nov. 2022Ensured financial sustainability and stability of the enterprise by delivering strategic roadmaps and leadership direction for all treasury functions. Functioned as key confidant to CFO and senior managers and assisted with effective solutions for daily process efficiency. Monitored and contributed to long term strategic business plans to enact profitable business decisions. Designed strategic automation initiatives for the treasury team to ensure that long term process efficiency goals could be achieved. Evaluated all functional expenditure and acquisition plans to verify that capital liquidity is available to support projects. Established strong capital provider connections to develop robust funding sources from banks, investors, and venture capitalists. Oversaw debt capital and effectively communicated with counterparties while optimizing resources to reduce cost of funds. Administered all payment related processes and managed banking relationships. Supervised the treasury team and oversaw staffing, training, and the career development of employees. • Formulated and redesigned cash forecasting model and reporting metrics that smoothly conveyed financial data to senior leadership.
• Assisted with automating treasury functions with our business intelligence group which served as the blueprint to be applied to various departments within the finance and accounting group.
• Designed liquidity and funding allocations that reduced financing costs and conserved liquidity during high funding volume months.
Zillow Home Loans, LLCSenior Capital Markets Debt Manager
Mar. 2021 - Mar. 2022Los Angeles Metropolitan AreaMediated internal and external reporting and payment deadlines relating to the accrual, allocation, and recording of interest and other financing expenses connected with company debt while administering external debt service payments. Actively communicated with warehouse banks and third-party suppliers on matters related to debt portfolio and legal advice relevant to compliance and contract negotiations. Monitored and assisted in contractual negotiations while enhancing and maintaining funding and settlement cashflow model. Supervised and reconciled all reserve accounts to ensure sufficient funding levels to sustain financing initiatives. Closely collaborated with accounting, FP&A, and legal teams to ensure regulations are as per the terms of each warehouse agreement. Developed annual debt service budget while ensuring appropriate utilization of warehouse facilities and addressed aged loan issues. Facilitated and initiated process improvements and streamlined manual data mining while improving reporting accuracy. Examined and distributed compliance certificates and financials on a monthly and quarterly basis
loanDepotDirector of Treasury Operations
Aug. 2015 - Mar. 2021Orange County, California AreaSupervised daily internal and external reporting while managing loan funding, collateral movement, and cash movement. Oversaw and resolved escalated issues related to warehouse lines and trust facilities. Created ad-hoc proformas to estimate surplus liquidity and draw capacity on agency MSR borrowing base facilities. Collaborated with investor groups and provided servicing information for trust facilities while ensuring monthly compliance by uploading reports to designated Trust facility websites. Assessed and approved warehouse bond interest calculations and monthly wire backup remittance. System admin for corporate and warehouse bank accounts and granted, changed, and revoked user access. Recognized and categorized all operational account debits and credits to help prepare the cash forecasting model. Interviewed, recruited, and resolved disciplinary actions while drafting and delivering performance reports for all treasury employees manager level and below.
• Led the initiative to utilize SQL, Alteryx, and Tableau as reporting programs and cut report delivery time by two hours each day through automating manual processes.
• Led the funding team during the three biggest funding months in company history.
QuickBridgeTreasury Manager
Mar. 2014 - Aug. 2015Orange County, California AreaIdentified loans to be pledged and generated borrowing reports while validating borrowing base calculations with the CFO and our warehouse lender daily. Created confirmation and notice of pledge documents for collateral shipments to be mailed to our custodian daily. Created borrowing base requests and submitted them to our warehouse facility to draw funds. Monitored facility sub-limits to affirm that loans in the borrowing base were compliant and no sub-limit breaches would trigger and event of default. Verified and authorised all ACH and wire transactions for enterprise. Confirmed early pay-off figures with sales department and reconciled payoff requests. Ascertained weekly commission reports and authorised payments via ACH. Assisted the CFO in preparing the Officer's Certificate and created the servicing transmission report while submitting and supporting documentation to senior banking partners regularly.
• Actively hired and trained all treasury personnel and built a productive team.
Carrington Mortgage Services, Mortgage Lending DivisionTreasury Team Lead
Jan. 2010 - Mar. 2014Orange County, California AreaReconciled and submitted Investor pool P&I and T&I payments to our funding facility for inclusion in the borrowing base certificate daily. Supervised the funding of loans and borrowing of funds while administering agency loans for six warehouse lines of credit. Developed daily cash position dashboards to estimate borrowing capacity and manually processed wires and transfers into our corporate banking platform. Communicated with funders and resolved issues related to account and ABA numbers to ensure that loans were funded and closed within stated SLA’s. Communicated funding forecasts based on information provided by our mortgage lending group. Insured VA loans on the GNMA website for loans boarded onto the company’s servicing platform and paid upfront mortgage insurance premiums for FHA loans on FHA connect. Oversaw warehouse line bank recons, funding corrections, ad-hoc reporting and reviewed journal entries that were booked monthly.
• Developed loan sale, margin call, and collateral movement templates for daily transactions.
• Effectively Trained and coached new treasury analysts.
CalPortlandSr. Accountant/Analyst
Jul. 2009 - Jan. 2010Glendora, Ca• Ensured the accuracy of sales revenue between front-end systems to SAP and presented reports to management
• Coordinated with the Sales and IT departments to review any variances or reconciling errors regarding monthly and year to date sales revenues
• Produced monthly financial statements and prepared and presented journal entries that were compared against the trial balance to ensure mathematical accuracy
• Analyzed and explained variances that were presented to Senior Management
• Performed analysis of bad debt and recorded bad debt expense on a monthly basis then accrued accordingly with a quarterly true-up
• Provided Audit support for internal and external auditors
John Laing HomesSr. Staff Accountant/ Financial Analyst
Jul. 2007 - Jun. 2009Orange County, California Area• Prepared the 120 Day Cash Flow for four divisions on a monthly basis, and communicated variances to Senior Management and EMAAR (Parent company).
• Worked in conjunction with the Sales team and Escrow Manager to accurately reflect sales and closings for the month, updated the Division Forecast Models, trued up actual revenue and profit contribution at month end, compared actuals against the beginning of the month forecast, and communicated any variances to senior management
• Closed out Inventory in SAP for all homes that sold in the month, and constructed a Cost of Sales analysis that showed revenues and expenses that hit the P&L for each lot that closed
• Put together Sales Release Pro-Formas for new phase releases, re-priced lots, or new communities, and provided profit contribution information comparing revenues to expenses, which was used by Senior Management to decide whether to green light or shelf a new phase or community
• Gathered and input information into our business plan template in SAP on a yearly basis for Senior Management to make decisions on future projects that John Laing Homes would build, land that would be sold, or projects that would be put on hold based on profit contribution and the projected hurdle rate
• Responsible for booking various journal entries and Ad-hoc reporting and analysis consistent with month end closing responsibilities
New Century MortgageWarehouse Finance Supervisor
May. 2002 - May. 2007Orange County, California Area• Received 3 promotions within 5 years: Staff Accountant, Sr. Staff Accountant, Ware house Finance Supervisor
• Under direct supervision of the Assistant Vice President of Accounting and Sr. Vice President/Controller, I supervised and trained employees on how to recoup corporate cash by refinancing repurchased and margin called loans with our various lines of credit
• Reviewed and approved corporate wires that were input into our various banking systems
• Responsible for producing weekly reports for members of the executive management team that gave a top level analysis of the loans that were financed, and a summary of the portfolio’s performance
• Performed monthly variance fluctuations comparing the general ledgers to the balance sheet, to ensure that all of the cash management journal entries were imported and posted correctly
• Managed a $2 Billion Asset Backed Commercial Paper Facility utilized to fund residential mortgage loans, and assisted in the financial reporting between New Century, our swap counterparties, and the rating agencies on a monthly basis
• Corresponded with our secondary marketing department and our investor reporting department regarding the movement of loans in and out of our Commercial Paper facility, and worked in conjunction with these departments to address any servicing and reporting issues
• Reconciled the servicing tapes for loans on warehouse lines on a monthly basis and set up and sent wires to settle with lenders on loans being paid down, or Margin Called from their lines
• Performed monthly loan recons for mortgages financed on various lines of credit
• Sent the servicing information to warehouse lines for delinquent or ineligible loans on a monthly basis
• Managed the sub-limits of our aggregate lines, and borrowing base facilities, by generating dry funding tapes that were sent to our warehouse lenders in order to make room on our lines to fund
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