Experience

Crossroads Equipment Lease and Finance

• Sr. Financial Analyst



Crossroads Equipment Lease and Finance

• United States
• Financial Services
• 1 - 100 Employee

• Sr. Financial Analyst

  • Dec 2015 - Jun 2019

  • Perform daily/monthly cash flow projection and liquidity Reports for CELF and CSBS to assist and manage daily operation and funding. • Coordinate and implement automated Pricing Lender Volume Mix Report to track all sales performances by BDM, Spread, Yield, COF and funding volume by lenders. • Calculate loss reserve monthly base on LGD and PD ratio to the entire portfolio with new business. • Develop and calculate complex commission model to measure BDM and VP sales compensation/bonus. • Lead and conduct monthly pricing committee meeting in comparison with current treasury/swap rate and lenders COF to make recommendation for the best practice from our funding sources. • Responsible for CELF and CSBS budget planning and preparation. Other financial requirements including month end reporting for financial package. • Assist month-end closing and analyze variance reports M-t-M and Y-T-D related to budget verses actuals for department manager. • Automated Notes payable tracking and runoff/ early termination report to analyze and monitoring the debt source requirement for business forecast. • Assists with interim and year-end audit requirements and annual ELFA survey • Review and streamline the standard procedures to improve efficiency of accounting department. Accomplishments: To enhance business planning, work with BI to automate pricing lender volume mix report to track sales performance, COF, spread, yield, deviation and funding volume by lenders. Lead and conduct monthly pricing discussion with President and pricing committee to make recommendation for future lender funding sources. Assist GL conversion from Sage to GP. Create all financial reporting from Great Plain Report Writer to meet Internal and External reporting expectation. Create and Implement complex New Commission Model Plan for Dealership and inside sales group. Prepare 3 years of Capital Business Model Plan for CSBS President/Management to review. Show less



Unified Grocers

• United States
• Wholesale
• 400 - 500 Employee

• Pricing and Compliance Analyst

  • Jan 2010 - Sep 2015

  • Coordinate with IT, Sales and Service, Procurement and Retail pricing department to conduct and implement new sell plans for individual customers and create sell components/schedules to meet individual business opportunity needs.• Provide Support to Regional management on going sell plan inquires and analysis including sales performances, product margin and volume rebate calculation.• Develop and establish a new quarterly audit process for Supply agreement - Cash and Carry, Vallarta, Superior and Haggens.• Expand and implement pricing audit for all customers and to be in compliance with their pricing tiers. Research and test pricing discrepancy and work with IT to resolve all issues in order to maintain pricing integrity.• Work with Operational accounting department to enhance current budgeting process by creating models to manage the service fees and markup for all products and divisions with timely and accurate submission of data.• Generate and provide analysis commentary on Monthly CDP (consumer driven pricing) Markup report, Category/customer reports & Supply Agreement sales compliance reports.• Manage the Fuel Surcharge cost model and process to track fuel consumption against budget.• Establish a record-keeping process form to maintain a good audit trail to manage CDP item markup maintenance in system 19 for procurement group.• Establish & perform a CDP program audit to ensure our systems parameters are still accurate to perform CDP discount calculation.• Maintain daily markup maintenance for procurement to ensure product is line priced and margin is within the guideline.• Perform monthly item audit for procurement management and to identify areas of opportunity to increase margin. Show less

• Accounting Supervisor

  • Dec 2003 - Dec 2009

  • Month-end, quarterly and year-end financial GL/closing/reporting and detail analysis for IT and Corporate Admin Divisions. • Lawson journal entries, annual budgeting, analyze operating results for IS department and account reconciliation (A/R, Cash, Sales kick out, Prepaid Insurance, Deferred Capital projects & AP other accounts).• Research, summarize and communicate monthly budget to actual variances.• Create and maintain financial models and macros in Excel to improve the timeliness and accuracy of management reports.• Support budgeting, planning and forecasting cycles through various financial analysis and modeling.• Performed SOX compliance activities, such as review of the critical spreadsheets, quarterly assessments, Reviewed and updated narratives and testing procedures.• Provided adequate supporting documents for both internal auditors and external auditors.• Partner with accounting teams to ensure smooth month-end close process. • Trained and supervised staffs by participating in training and leadership development opportunities.• Cross trained on other functions within department and documented job function cross training procedures.• Participated and provided feedback in a pilot test for on-line account reconciliation tool (Black line on-line reconciliation).• Assisted IS division and Financial System department with Seattle (merged company) GL conversion, conformed mapping and reviewed reporting categories for consistency with SEC reporting structure. Show less

• Sr. Financial Analyst

  • Dec 2000 - Dec 2003

  • Planned and performed analysis on budget preparations.• Set up models for financial forecasting and assisted operational managers to develop the detail budget planning.• Monthly financial GL/closing/reporting and detail analysis for IT and Corporate Admin Divisions.• Balance sheet (A/R, cash clearing, Prepaid, A/P other and Deferred Capital projects) reconciliation.• Assisted and participated financial setup with merged company.

• Sr. Accountant

  • Jan 1998 - Nov 2000

  • Planned and performed analysis on budget preparations.• Set up models for financial forecasting and assisted operational managers develop the detail budget planning.• Monthly financial GL closing/reporting, balance sheet (A/R & cash clearing, inventory accounts) reconciliation,• Perform financial analysis to support North California and South California divisions.• Monthly analysis on member's accounts and prepared sales presentation on Power Point for director.• Analyzed member's profitability and notifying meat purchasing of any unusual activity from sales adjustments, Inventory adjustment and markup losses.• Special projects as requested from assist controller/meat operations - identify and analyze warehouse storage and handling charges and delivery costs for Meat North division. Show less