Vicki's Resumé
August 2003 - September 2007
Four Star Mortgage: Mortgage solicitor engaged in the fulltime pursuit of origination of residential mortgages. Focused primarily on the purchase market.
2002 - 2003
14 month sabbatical after 17 years in the residential lending business. Traveled the globe with my husband and my surfboard.
1995 - 2002
Four Star Mortgage: Mortgage solicitor engaged in the fulltime pursuit of origination of residential mortgages. Focused primarily on the purchase market.
1993 - 1995
ComUnity Lending: Wholesale loan representative for Maui & Big Island. Called upon select mortgage brokers to educate them on our wholesale loan products.
1989 - 1993
Maui Island Mortgage: Mortgage solicitor engaged in the fulltime pursuit of origination of residential mortgages. Focused primarily on the purchase market.
1985 - 1989
Alliance Mortgage: Santa Cruz, California. Mortgage solicitor engaged in the fulltime pursuit of origination of residential mortgages. Focused primarily on the purchase market.
EDUCATION
1999 - City University, Washington State. M.B.A. in Pacific Rim Ethics and Business.
1996 - Edison University, New Jersey. B.S. in Marketing and Management.
PERSONAL INTERESTS
Surfing. Good wine and food with friends. My dog Bandit.
John's Resumé
2000 - 2007WIS International
San Diego, CA
Treasury Manager
Daily cash management, cash forecasting, debt management, investment management, interest rate hedging, risk management, foreign exchange, continuous quality improvement.
- Manage all of company's banking relationships and all cash transactions. Ensure efficient use of $23 million line of credit and effective investment of excess cash balances within guidelines of company's credit agreements.
- Manage all debt transactions associated with $130 million of senior debt. Serve as liaison with all lenders, providing financial reports, debt covenant calculations and other information as requested. Instrumental in initiating and implementing several important amendments to debt agreements. Assisted CFO in implementing previous refinancing of debt and, more recently, establishing new debt structure upon merger with Canadian company.
- Effectively manage variable rate debt including the use of interest rate derivative instruments to reduce company's interest rate risk exposure.
- Assist in start up of foreign subsidiaries in Great Britain, Mexico, China, and Argentina and support their ongoing operations. This includes establishing local bank accounts, providing adequate funding, assisting with development of corporate legal structures, ensuring all debt covenants relating to foreign investment are met, and overseeing all financial foreign exchange activities including investigation of potential hedging instruments.
- Provide ongoing analysis of company’s workers compensation insurance expense and potential exposure to CFO and CEO in order to support expense reduction efforts. Work together with broker in ensuring year-end audits by insurance carriers are performed correctly and refunds are received. Act as liaison with insurance carriers in establishing cash collateral and standby letter of credit balance requirements for coverage.
- Serve as co-facilitator on Six Sigma and Kaizen projects with the goal of providing process enhancements and major expense reductions for the company. One of these projects was aimed at reducing workers compensation losses by 25%.
1989 - 2000Scripps Health
La Jolla, CA
1993 - 2000Manager Treasury Services
Corporate Finance Department
Investment management, strategic financial planning and analysis, debt management, and interest expense and investment income budget preparation for the entire corporation.
- Oversight of corporation's $250 million long-term investment pool. Analyzed investment performance on an ongoing basis, maintained appropriate asset allocation within the pool, and assisted in selection of investment managers.
- Facilitated issuance of $105 million tax exempt bond issue which refinanced existing debt. Provided final review and approval of information for the public offering statement and all other relevant documentation. Oversaw investment of bond proceeds in an escrow account which yielded approximately $50 thousand in arbitrage savings to the corporation.
- Continually monitored financial performance of the corporation by computing ratios and other indicators involving debt and profitability. The results were reported to the board of directors as well as to outside financial institutions as required by the master debt indenture for the corporation.
EDUCATION
Rutgers University Graduate School of Management, M.B.A. in Finance
Cornell University, M.S. in Chemistry
State University of New York at Stony Brook, B.S. in Chemistry
Completed Six Sigma Green Belt Training Program, 2002
HONORS AND AWARDS
Elected to Beta Gamma Sigma, the National Business School Honor Society
Awarded Debye Fellowship, Cornell University
Accorded Honorable Mention in National Science Foundation Graduate Fellowship Competition
Received B.S. degree Summa Cum Laude as well as with Honors in Chemistry.
SPECIAL INTERESTS
Proficient in personal income tax planning and analysis. Prepare returns for several individuals.