Functional Skills

Financial Modeling

Sector Experience

Business Services
Energy
Financial Services
Healthcare
Technology

Languages

Spanish

Experience

CF Financial LLC Start-Up
Owner
1/2015 - Present
Deliver solutions to clients for their financial, operational, and risk management needs. Clients have ranged from startup to approximately $25 million in revenue. Expertise includes: budgeting, financial planning & analysis, cash and investment strategies, development of standard operating procedures and policies, and risk management strategies.
Standard & Poor's Finance
Director
1/2001 - 12/2014
Provided credit analysis focusing on municipal entities accessing the debt markets. Analysis included evaluation of financial health, operational capabilities, management structure, stress test scenarios, and assessment of the level of macro-economic and micro-economic support in repaying debt obligations. Managed a team of overseas (India) employees. Led process improvement efforts of dissemination for utility rating information.
Allstate Insurance Company Operations
Senior Financial Analyst
6/1999 - 1/2001
Analyzed the financial success of Allstate's insurance policy premiums; results utilized by senior executives to decide future budgetary courses of action. Performed trend analysis of key states’ insurance coverage that drive loss and expense dollars and the relative strengths of different cost containment strategies. Cost management strategies were revised based on research and communication of findings.