CFO | Analytical Projects
My unique value is integrating a project’s strategy with robust financial analysis and exceptional communication.
Expertise
Built and sold two companies
Managed national 250-person financial services sales and marketing team
Strategic thinker (I simplify complex ideas)
Managed a $25 million residential real estate startup investment
Created multi-channel distribution plans for finance and consumer goods companies
Building bridges between functional teams
Managed multiple real estate investment feasibility projects
Expert quantitative forecast modeler
Excellent communicator
Experience
Minch consulting
Cleary Bikes
CFO | 2021 – Current
Renegotiated post-Covid factory orders to match forecasted sales projections. Created sales and marketing metric standards. Developed complete financial management systems to optimize cash flow and profitability. Obtained and manage a working capital line of credit. Create custom sales packages for the company’s largest institutional customers.
Financial forecasts
Distribution channel modeling
Capital funding management
Marketing ROI analysis and budgeting
Growth strategy
Sales management analytics
Warehouse operations
Accountant management
Vendor management
Financial reporting
Working capital lender management
Cash flow management
Research & Development
Competitive research
Manufacturing supply chain management
Team building
Product pricing
Organizational structure
Kamilo
Financial Forecast Consultant | 2022
Built a complete, scalable, and user-friendly 5-year financial forecast for plastic recycling traceability company (Saas, TaaS). Worked closely with the CFO to maximize the model’s effectiveness and fully capture sensitivity analysis options.
Independent Lending Corp
Financial Analyst Consultant | 2019 – 2022
Built several custom financial projections and systems for various residential real estate investments.
Full-service wholesale mortgage bank; including warehouse line analysis, sales reporting, operational procedures, compliance management, investor relations, vendor management
All-Cash and Equity-Share home purchase products
Buy-remodel-rent residential property investment fund
Amherst Holdings
Managing Director, Product Management | 2016 – 2018
Built a residential real estate mortgage investment platform with a $25 million equity investment. Integrated platform with Amherst Residential asset purchase business. Designed investment performance models, company dashboards, vendor evaluation standards, customer behavior models, and company forecasts for one of the country’s largest residential real estate investment firms. Joined senior management team after six months of consulting.
Created cross-functional communication, measurement and targets to keep team moving quickly with agility.
Built a cooperative culture that emphasized employee growth, inclusion, a fast pace, and a customer-obsessed focus.
Integrated automated underwriting engine with an institutional buyer and seller of residential homes (25,000+ homes).
Vice President, Business Intelligence and Product Development | 2014 – 2016
Created a business intelligence and financial management system around incubation investment, vendors and company performance. Designed data and investment partner performance models, company dashboards, vendor analysis tools, and growth forecasts. Built strong communication bridges between teams in San Francisco, Austin and Pittsburgh. Benchmarked team, product and financial targets for clear roadmap targets. Managed distribution partner communication. Built prototype of automated underwriting engine. Managed all third-party vendor economics and communications.
Integrated business plans between sales, operations, product development and capital markets teams.
Formed a highly-effective culture and communication standard between teams in multiple cities.
Created an empowerment program for employees to understand the stories behind our numbers.
Developed distribution partner relationships and roadmaps for product implementation.
Minch Consulting
Business Strategy Consultant | 2009 – 2014
Wrote a complete business plan, including financial model, for a young entrepreneur’s toy rental business.
Developed distribution plan for an automated capital markets mortgage pricing engine.
Created defense strategies for a large portfolio bank to mitigate mortgage repurchase risk.
Managed multiple projects in sales, operations, product development, and project management.
Developed comprehensive customized reporting for Amherst Holdings.
Residential Growth Partners llc
Vice President, Business Development | 2007 – 2009
Managed business and product development, and investment performance models, for a proprietary equity-based residential financing product. Developed distribution channel plan and partnerships, pricing strategy, product behavior models, and portfolio management strategy. Built mortgage operations team to manage quality control and compliance.
Developed distribution partnerships based on strategic fit and customized profit-sharing models.
Company operationally funded by Lew Ranieri (known founder of the Mortgage Backed Security).
Netbank Inc
Repaired and optimized a national sales, operations and capital markets team for a wholesale mortgage bank. Recruited key line-level employees to participate in turnaround project. Built and implemented cohesive business plan that unified the mid-market strategy between sales, operations and capital markets (low-volume / high-margin). Directly managed a national sales team that generated 25% more high-value volume with 30% fewer teammates – a 70% productivity gain.
National Sales Manager | 2004 – 2007
Managed a 250-person national sales team.
Increased sales team profitability by 60% in one year, with zero net headcount increase (post-turnaround project).
Decreased cost-to-produce by 25% through compensation realignment and productivity accountability.
Implemented regional profit-and-loss control and trained sales managers on product economics.
Maintained a relentless focus on a cooperative culture and effective communication.
Strategic Planning Director | 2003 – 2004
Managed 100-person sales and operations team.
Increased team productivity by 25%, decreased headcount by 40%, and increased profitability by 60%.
Created training program to help any employee learn profit-and-loss, measurement tools, and product economics.
National City Bank (acquired by PNC Financial Services)
VP, Strategic Business Development | 2001 – 2003
Managed PNC’s self-directed financial planning and management strategy. Integrated OneHarbor financial planning service into the bank’s retail platform. Developed bank product purchase integration into financial planning service. Developed distribution relationships with 23 brick-and-mortar branches.
OneHarbor (acquired by National City Bank)
Founder & CEO | 1998 – 2001
Created, built and sold a financial planning company. Company provided comprehensive financial planning and management services to underserved middle-market banking customers. Implemented product with three super-regional retail banks.
Sold company to National City Bank in 2001.
First Franklin Financial (acquired by National City Bank)
Operations and Production Manager | 1991 – 1996
Managed branch-level underwriting, sales, and operational teams.
Education
Wharton School of Business, MBA
San Jose State University, Finance
Interests
I am an endurance athlete, love dogs, and like people’s stories as much as the stories numbers tell.