Resumes by Industry: Accounting Finance Banking

Maria Gould, CPA
128 Beech Court, St. Louis, Louisiana 28564 / Tel# (481) 555-3853 Email: mariag@myisp.com

ACCOUNTANT

SUMMARY

Accountant with more than 20 years of Finance and Accounting experience. Expertise in preparing financial statements, monitoring daily cash transactions, developing annual budgets, and recording all financial activity for small to medium sized businesses. Recruited and cultivated a first-rate team of financial support professionals. Bachelors degree in Accounting with a strong background in Finance and Accounting methodologies and practices.

QUALIFICATIONS

§ Problem Solving – Assessed existing fiscal procedures, identified and implemented improvements to strengthen the financial health of the business.
§ Management by Mentoring – Active motivator, supervisor and trainer, committed to the growth of individuals and the success of the company.
§ Fiscal Communications – Experienced presenting fiscal information to senior management and documenting financial policies and procedures.
§ Independent Operations – Served as sole financial professional for several small businesses. Maintained financial schedules and ensured quality reports and analyses.
§ Computer Expertise – QuickBooks, ADP Payroll, MS Word, Excel, and Access.

PROFESSIONAL EXPERIENCE

RIVERSIDE SECURITIES, New Orleans, Louisiana
1997 - Present
Accountant
Supervised Accounts Receivable and Accounts Payable department. Provided training to develop and enhance quality customer relations. Ensured and maintained ethical accounting practices.
· Developed and implemented comprehensive annual budgets, and provided accurate and timely monthly reports to control budget overruns.
· Managed Accounts Receivable and Billing staff, provided training to ensure consistent quality, and addressed employee concerns. Improvements in workplace environment reduced staff turnover by 25%.
· Directed Accounts Payable staff to identify cost savings related to payments, realizing a 17% increase in discounts earned.
· Analyzed financial accounts to provide detailed reports of fiscal health to senior management.

PROFESSIONAL SERVICES, INC., ST. LUCIA, LOUISIANA
1993 - 1997
Accounting Clerk
Assisted Accounting Manager in daily financial processing, including monitoring of payroll data, cash receipts, billing, disbursements, expense accounting, and deposits. Developed policies and procedures for fiscal management.
· Implemented and monitored automated payroll, resulting in a 24% reduction in cost and 62% decrease in processing errors.
· Streamlined system for preparing Bank Deposits and Bank Reconciliations, reducing the delay in depositing by 2 days while increasing interest earnings.
· Conducted Fixed Assets Analysis to identify opportunities to strengthen assets. Analyses resulted in additional $15 million fixed asset acquisition.

BANK OF BATON ROUGE, Baton Rouge, Louisiana
1986 - 1993
Loan Officer
Developed annual strategy for loan marketing activity. Managed staff of 8 consumer loan consultants, with portfolio of $80M. Maintained group credit listings for accounts over $20M.
· Designed Access database and prepared quarterly loan reports to identify payment trends and delinquent accounts.
· Prepared loan marketing presentations and supported all departmental marketing efforts, reducing the rate of customer inquiries.
· Created catalog of delinquent loans and developed a profile of high-risk customers used to screen applications in 30% less time.
· Managed the timely creation and distribution of Mortgage Portfolio reports, reducing the historical delay by half.

BANK OF BATON ROUGE, Baton Rouge, Louisiana
1980 - 1986
Bank Teller
Maintained proper cash limits, cashed checks, accepted deposits, and issued cashier’s checks, money orders, traveler’s checks, cash advances, and funds transfers. Experienced with Merlin Platform, Boss / Fast, IONA, and BICS.
· Developed thorough understanding of products and procedures, resulting in fast-track promotion, and reducing Bank Manager overtime.
· Analyzed credit card and loan application process and designed new procedures to decrease turnaround and increase customer satisfaction.
· Trained new hires on standard operations and ethical practices to ensure professional service.

EDUCATION

Bachelors Degree in Accounting, 1980
City University, Baton Rouge, LA

AWARDS AND MEMBERSHIPS

· Member, Louisiana Board of Accountants
· Elected to the Teller Dream Team.

Sam Sterling
604 Harmony Lane
Pleasantville, CA 94588
(925) 555-1234

ACCOUNTANT
TRADE & COMMERCE
Associate Member, CPA Australia • Associate Member, Institute of Chartered Accountants Australia
Associate Member, Chartered Institute of Management Accountants UK
Member of the Australian Society of Accountants

4-years experience with CPA practices and a prominent hospitality chain has refined and enhanced business degree since graduation. Acknowledged by clients, peers, and management for willingness to consider all options, strike appropriate solutions, and use education as a tool for optimum performance and client retention. Strong attention to detail, an unswerving commitment to service excellence, and an intense personal interest in helping business and clients to flourish underscores professional performance to date.

Professional strengths include:
Ÿ Management Accounting
Ÿ Financial Reporting
Ÿ BAS/IAS/FBT Preparation
Ÿ Trustees and Trusts
Ÿ Environmental Accounting
Ÿ Client Relationship Management
Ÿ Fringe Benefits Tax
Ÿ General Ledger Maintenance
Ÿ Accounts Receivable/Payable
Ÿ Superannuation Investing
Ÿ E-Business
Ÿ Process Simplification
Ÿ Taxation Compliance
Ÿ Payroll
Ÿ Small Business Advisor
Ÿ Financial Advice/Counseling
Ÿ Stock Market Analysis
Ÿ Computerized Accounting

Technology summary: MYOB, Solution Six, Quicken, ACCPAC, Arrow, MS Word, Bank Link, Cash Flow Manager, Cash Manager, Tax Point, Quattro Pro, Outlook, Excel

EXPERIENCE NARRATIVE

TIS PARTNERS, CPA Accountants, Reservoir
2003-Present
Assistant Accountant
Provided sound strategic advice to business clients needing to optimize internal financial controls, and also prepared and presented a full gamut of financial reports, reconciliations, budgets, and taxation returns from general ledgers and month-end closures, through cash flow statements, profit and loss reports, bank reconciliations, and BAS/IAS/FBT and annual taxation returns.
Aligned with the practice’s focus on service delivery excellence, by mastering the art of “customer connection”; offered education on accounts computerization, knowledgeable advice on internal processes and risks associated with flawed procedures, and produced financial reports and documentation that reflected a high degree of precision and transparency.
Praised universally throughout tenure by clients, management, and staff for capacity to complete assigned projects accurately, and on time.
Key contributions/highlights:
· Demonstrated team spirit by sharing insights, independent research, and knowledge with colleagues in need of assistance with calculations, methodology, spreadsheet automation and more.
· Encouraged clients to adopt computerized accounting systems in favor of flawed manual processing that exposed them to the risk of financial penalty due to compromised recording of data. Introduced clients to the efficiency and accuracy of computerized programs and shared expertise in the installation, configuration and maintenance of software. Financial data for those clients has shown a distinct elevation in quality and consistency after training.
· Educated clients on taxation office penalties surrounding late lodgment of BAS/IAS/FBT and erroneous employee deductions. Volume of penalties paid reduced dramatically with clients grateful for the advice.

FASTA PASTA RESTAURANTS PTY LTD, Melbourne Head Office
2002
Assistant Accountant
Maintained the general ledger, produced budgets, and prepared profit and loss, balance sheet, and cash flow statements for 15 stores Australia-wide.
Assumed a broad range of responsibilities, surpassing expectations for the type of work usually produced by short-term contract employees.
Conducted month-end transactions, reconciled bank statements, credit card statements, and daily sales. Controlled the asset register, calculated and lodged monthly BAS, IAS, and FBT statements, and produced recurring and non-recurring monthly journal entries.
Key contributions/highlights:
· Quickly recognized as a problem solver and trouble-shooter; first point of contact for staff struggling with accounts receivable and accounts payable issues, and in identifying errors.
· Developed and implemented new spreadsheets and formulas that reduced time intensive reconciliation work for sales and credit cards from one-day to just a few hours.
· Exploited the advanced features of ACCPAC software, winning agreement with the financial controller to explore opportunities for greater internal efficiencies and effectiveness.
· Commended for the on-time completion of end-of-month financials and BAS/IAS and FBT lodgments against high volume workloads and pressure.

AUSTRA SELECTIONS
2001–2002
Bookkeeper
Managed financial bookwork including all bank reconciliations, cash flow statements, and projected budgets. Produced quarterly BAS statements that complied with taxation legislation.
Provided financial counsel to business owner, citing the financial and market advantages of expanding product distribution into general retail outlets. Owner embraced idea and entered into negotiations with Coles Myer and a product manufacturer in Germany. Assigned by owner to cost project, and evaluate prices and discounts to forecast potential profit outcomes.

NEIL W. CURWOOD PTY LTD, Chartered Accountants, Melbourne
2000–2002
Junior Accountant
Worked in close collaboration with clients, providing accounting and taxation advice, preparing annual income tax returns, and coaching in GST compliance issues.
Progressively entrusted to prepare complex financial statements, and interim/annual reports for manufacturing, retail, service, and investment businesses; prepared audits for superannuation funds, wages, debtors, and stock. Researched changes in accounting standards and tax issues and worked in close collaboration with decision-makers from banking, tax office, and statutory bodies on behalf of clients.
Gained reputation for willingness to “go the extra mile” working through busy periods and rostered days off.
Key contributions/highlights
· Saved client from potentially costly ATO audit, by uncovering and resolving previously unidentified error in GST data when preparing year-end financial statement.
· Located incorrect data on client’s previous year’s taxation return that mistakenly claimed a non-deductible motor vehicle loan repayment. Prepared amended tax return for the previous year, overcoming any future issues with the ATO.
· Won client praise for research on the [then] new GST legislation; identified opportunities for clients to claim immediate 100% tax deduction for GST-related expenditures on new plant and software ordered between 1/7/1999 and 30/6/2000.
· Received letters of appreciation by two clients citing professionalism, timeliness, and accuracy in completing tax returns.
· Immediately identified problem with software installation that had eluded officer manager and staff, and caused system to become inoperable. Quickly reversed problem, and updated the system winning appreciation from the office manager for time and money saved.

DON PEIRIS WEERASINGHE LTD, Sri Lanka
1997–1998
Accounts Trainee
Prepared bank reconciliations, cash flow statements, taxation returns, and salary sheets; conducted end-of-year stocktake, and handled daily banking. Relieved at customer service and cashier areas in absence of regular staff.

EDUCATION | CREDENTIALS

CPA Program
Currently completing
Bachelor of Business (Accounting)
RMIT University (2002)
Diploma in Business
Perth Institute of Business & Technology (1998)
Committed to ongoing professional development via workshops, formal short courses,
on the job training and information sessions. Highlights include: Accountants Workshop Certificate ~ Managing Tax and Compliance Issues using MYOB files.
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Jamie Hill
604 Harmony Lane
Pleasantville, CA 94588
(925) 555-1234

EXECUTIVE

CERTIFIED PUBLIC ACCOUNTANT combining cross-functional competencies in all phases of accounting, information systems, and staff supervision and management. Proficient in managing and developing financial reports and controls using staffing and technology efficiencies. Expertise in analyzing, developing and implementing stringent cost-reduction measures. Ability to contribute as a team player and interface with professionals on all levels. Expertise in identifying troublesome areas and implementing corrective measures. Fluent in English and Hindi. Expertise includes:

s Internal Control and Audit
s Accounting Information Systems
s Budgets, Forecasts and Financial Modeling
s Monthly, Quarterly and Year-End Reporting
s Financial and Management Reporting
s Corporate Tax Compliance
s Corporate Accounting
s Job Costing
s Compliance
s General Administration
s Payroll Administration
s Inventory Control & Purchasing

Technical proficiency includes Microsoft Excel, Lotus 1-2-3, WordPerfect, PowerPoint, Dbase IV, MAS90 and Alcie.

Representation of Career Accomplishments

· Devised and implemented significant cost-reduction, revenue increase and cash flow improvement measures throughout professional career by restructuring staff responsibilities, upgrading technology or evaluating purchasing and sales procedures and improving reporting systems.
· Enhanced cash flow by 20%, and reduced past due invoices, corporate savings through improved department operations and implementation of client credit checks.
· Improved departmental and executive reporting turnaround time and accuracy through upgrading and streamlining staff responsibilities and resources.
· Coordinated and structured corporate accounting and financial departments, including staffing, training, technology and procedures.
· Instrumental in researching and negotiating health and dental benefits, insurance and other employee benefits.

Professional Experience

ABC INC. – New York, NY
Financial Controller
1989-2003
Charged with operating five-person financial department, including overseeing payables, accounts receivables, compliance, cash flow, billing, payroll, taxes and operations. Coordinated capital asset acquisitions in excess of $25K. Evaluated and drafted annual operating and financial budgets, and prepared quarterly variance reports for senior management. Worked closely with external financial institutions regarding loans, payments, and other transactions; prepared documentation and assisted in scheduled audits. Supervised federal, state and local tax filings and prepared consolidation package in preparation of group consolidation accounts.
· Championed efforts involving group medical and dental insurance, office equipment leases and other administrative work.
· Improved turnaround time on receivables by streamlining staff responsibilities, performing detailed credit checks, implementing credit limits and closely following progress.
· Upgraded corporate accounting procedures, integrating and streamlining information systems resulting in timely exchange of information.
· Implemented cost-reduction measures that improved productivity and revenue, including advanced preparation of audit information and corporate tax returns which saved over $25K annually.
· Developed internal cost-reduction controls including overtime compliance, expense management, accurate billing, and capital expenditures.

SHIPBUILDING AND REPAIRS – Philadelphia, PA
Internal Auditor
1986-1988
Ensured compliance with all local and national laws. Performed internal audits and submitted detailed recommendations to management identifying potential problems, excessive spending and solutions for same.

Account Manager
1982-1985
Developed operational and financial budgets; supervised costs on large projects, ensuring reconciliation of expenses with allocated funds; managed inventory and accounts payable personnel; coordinated financial transactions with banks and lending institutions; and managed foreign currency and branch offices transactions.
· Eliminated non-profitable jobs by implementing a cost history database used in ensuring consistency in price quotes and use of personnel resources.
· Secured additional working capital at below market interest rates by preparing specific revenue projections and keeping lending institution advised of any changes.
· Promoted to Internal Auditor (1986)

NATIONAL INDUSTRIES – India
Accountant
1978-1981
Managed ten-person accounts payable department, including independent contractors. Prepared bi-weekly payroll for over 2,000 employees; recorded journal entries; and prepared tax returns and other financial documentation as warranted.

Licenses and Certifications

· Associate Member, Institute of Chartered Accountants (India)
· Passed Certified Public Accountant examination (1999)
· New Jersey State Insurance Agent

Education

PUNJAB UNIVERSITY – Panipat (Karnal), India
Bachelor of Commerce
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Dale Wong
604 Harmony Lane
Pleasantville, CA 94588
(925) 555-1234

Summary of Qualifications

· Multi-networked, information-related, cross-cultured.
· Strong communication and rapport-building skills.
· Skillful at processing data and information, keeping records, and tabulation.
· Excellent knowledge in the matters of Finance and Accounting.
· Hardworking, goal-oriented, highly competent and team player oriented.

Education

Bachelor of Science in Accounting
2004
Florida Atlantic University, Boca Raton, FL
Relevant course work:
· Corporate Finance
· ISM 3011
Member of the ASA(Accounting Students Association)

Languages & Skills

Languages: French & Creole Fluently
PC Skills: Windows 98, ME, 2000 & XP, Microsoft Word, Excel, PowerPoint, Outlook, e-mail and Internet research.

Experience Summary

Barnes & Nobles, FAU Campus, Boca Raton, FL
2001 – Present
Cashier
Compiled reports, such as cash receipts, customer-bill charges, and sales for accounting and management purposes, or supervised clerical workers preparing reports. Hired and trained workers. Observed checking, billing, and cashiering activities; counted cash; and reconciled charge sales and cash receipts with total sales to verify accuracy of transactions.

Winn Dixie, Boca Raton, FL
1998 – 2001
Bookkeeping
Full-charge Bookkeeping and Accounting. Performing full charge bookkeeping and account management through financial statements and assembled documentation for year-end audits and respond to auditors' inquiries.
Duties included, but is not limited to:
· Accounts Receivable and Billing
· Inventory Control
· Budgeting
· Prepared Bank Deposits
· Accounts Payable
· Fixed Assets Analysis
· Bank Reconciliation
· Automated Payroll
· General Ledger
· Financial Account Analysis

Haiti Telecommunications, Port-au-Prince, Haiti
1992 – 1996
Accounting Manager
Supervised Accounts Receivable and Accounts Payable department. Provided training to develop and enhance quality customer relations. Ensured and maintained ethical accounting practices. Managed and directed up to twelve associates. Communicated tactfully and effectively with team. Boosted team productivity by approximately 30%. Encouraged high moral, coached new software programs and maintained a resolution-oriented group. Handled escalated issues.

Marie L. Cajuste - mcajuste@cv-xpress.com - http://www.cv-Xpress.com

Casey Catello
604 Harmony Lane
Pleasantville, CA 94588
(925) 555-1234

SUMMARY

Seeking position as an Accountant where nearly five years of related experience will add value.

PROFILE

· Strong background in bookkeeping includes accounts payable, accounts receivable, reporting and spreadsheet management. Deadline-driven, familiar with general ledger work.
· Highly self-motivated. Proactively took on added responsibilities in current bookkeeping position, to produce 50% more accounting work than expected (1999-present).
· Superior work ethic. Accustomed to long hours in pursuit of company goals.
· Organized and efficient. Skilled at managing multiple tasks with competing priorities.

EXPERIENCE

Accounts Payable Clerk: XYZ Systems, Minneapolis, MN
1999-present
Provide wide range of bookkeeping services to this nationwide distributor of fasteners.
· Track and manage expenditures involving $150,000.00 weekly. Track payments and schedule future payments. Verify accuracy of every expense before entering payment stream.
· Reconcile and distribute payment to multiple vendors. Distribute daily general operating reports. Maintain logs of payment schedules and freight expenditures.
· Handle accounts receivable and billing services, as needed. Process month-end closings and monthly reports. Use Excel and HP mainframe to manage accounting data.
· Regularly take on added responsibilities involving spreadsheet management and other duties.
· Negotiate effectively with vendors to delay payments to 60+ days, as needed. Successfully retained 100% of 75 vendors while maximizing cash reserves.

Manager: ABC, Minneapolis, MN
1995-1999
Tasked with managing all retail operations, from procurement and logistics to staff supervision.
· Set up systems to maintain ordering, inventory and processing of livestock and dry goods.
· Devised budgets, handled all purchasing and verified accuracy of up to $5,000 in cash daily.

Computer Operator: PDQ, Inc., Minneapolis, MN
1985-1999
Processed and organized month-end reports for XYZ and other clients; recruited by XYZ.

Bookkeeper/Manager: Frank’s Plant Shop, Blaine, MN
1985-1988
Handled weekend bookkeeping while managing staff and properties for six parking facilities.
· Completed general ledger bookkeeping involving up to $20,000.00 in total revenues.

EDUCATION/COMPUTERS

· Associate of Arts Degree: Big State University, Mainville, MN (1985).
· Computer skills: Windows 98/2000, Word, Excel, Outlook and HP mainframe IMS system.

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Drew Sterling
604 Harmony Lane
Pleasantville, CA 94588
(925) 555-1234

PROFILE

Trilingual executive and senior manager offering more than 3 years of international business development experience in the banking industry. Additional experience includes 2 years in retail management. Practiced negotiator and mediator. Language skills include Spanish, French, and English. Computer skills include Microsoft Windows 98, Microsoft Office (Word, Excel, PowerPoint, and Outlook).

RELEVANT EXPERIENCE

Union of Mexican Bankers, Mexico City, Mexico
1995 - 1997
Assistant Vice President - Legal Department
Managed all operations of the trust, judiciary, and appraisal divisions to support 46 banks throughout Mexico, including foreign banks such as Bank of America, Chase, Dresden, and BNP. Emphasized the establishment and revamping of policies and procedures. Interacted primarily with bank vice presidents and occasionally with chief executive officers. Organized and conducted weekly meetings. Reported to the President. Researched and analyzed information, wrote reports on recommendations, and forwarded to government banking officials for approval. Served as an interpreter.

• Participated in the development of legal rules and regulations to control large deposits and prevent money laundering
• Contributed to the development of policies and procedures for commercial and residential appraisals that reduced bank liability and implemented stronger controls to maintain actual value amounts
• Designed payment plans and structures for the payoff of high dollar amount credit card balances that was implemented throughout the system
• Created financial and account information statistical charts and reports that improved customer service and provided upper management with data used in the decision making process
• Approached by 3 banks with offers of executive-level positions

Banco Federal de Mexico, Mexico City, Mexico
1997 - 1998
Assistant Vice President/Trust Department Manager
Managed a $10 million (U.S.) portfolio of 15 individual and corporate accounts. Interacted with business owners, presidents, vice presidents, chief executive officers, legal counsel, and high-net-worth individuals. Reported to the Vice President of the Trust Department.

• Achieved 101% of plan within six months
• Secured a $1 billion large U.S. oil company account that was eventually managed by the Vice President due to its complexity, with personal responsibility for just a portion of this account

Hacienda Terrace, Houston, Texas
1998
General Manager
Spearheaded and managed a high-end retail furniture and specialty shop in Town Park. Interacted with representatives from Harden, Barlow Tyrie, Royal Doulton, and Rosenthal China. Average contracts ranged up to $12,000. Coordinated and directed all operations including inventory purchase and control, pricing, sales and marketing, advertising, supervision of staff, and accounts payable and receivable.

EDUCATION

ITAM TECHNOLOGICAL INSTITUTE OF MEXICO, Mexico City, Mexico
1997
Studied six years of law

HARVARD UNIVERSITY , Boston, Massachusetts
1994
Continuing education

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Stacey McGovern
604 Harmony Lane
Pleasantville, CA 94588
(925) 555-1234

EXECUTIVE-LEVEL BUSINESS CONTROLLER

Financial Auditing • Financial Management • Business Operations
Process Re-engineering • Process Automation

CAREER ACCOMPLISHMENTS

• Spearheaded redesign and implementation of improved P & L reporting processes, migrating from Excel to Access and resulting in decreased man-hours necessary to accomplish tasks, reduction in reporting inconsistencies, and increased speed of production for trading desk with more than $5B in market capitalization. Achieved increased efficiency and improved financial strength.
• Created and implemented of SAS loan approval database for loans in excess of $1.5M. Standardization and centralization of processes led to significant decrease in number and amount of outstanding loans, as well as increased bottom-line profitability.
• Played key role in identification and mapping of all cost centers, on regional and global levels, in support of Deutsche Bank / Bankers Trust merger.

QUALIFICATION HIGHLIGHTS

• Goal- and detail-oriented with more than 5 years' experience in world-class, finance banking environment, producing daily P & L statements, month-end pricing, month-end close process, dealing with internal and external audit, interfacing with top management and trading desk personnel to achieve required and stated goals.
• Automate desk top procedures using Excel or Access macros

• Strategic Analysis • Budget Development / Administration
• Business Relations • P & L Reconciliation
• Internal/External Audit Processes • Process Engineering
• Change Management • Team / Personnel Management
• Quantitative Analysis • Procedure Automation
• Technical Problem Resolution • Project Administration

PROFESSIONAL EXPERIENCE

MIDCITY BANK
2000 - Present
Assistant Vice President/ Business Area Controller
Equity Arbitrage/Convertibles Trading Desk
• Direct all activities related to Business Controls, in assigned area, managing process automation, cost controls, budgeting, and other financial activities.
• Support trading desk by preparing daily P & L and reconciling any differences with front-end system information.
• Identify issues between front-end and back-end systems, research problems, and communicate with appropriate areas for correction.
• Calculate and explain P & L attribution and sensitivity measures using Greeks, and compute and explain buy and hold P & L.
• Close books at the end of month and prepare income, inventory, and balance sheet reconciliation.
• Assist in month-end pricing of trading desk's portfolio.
• Interface with Risk Control and provide necessary reports to ensure adherence to Bank's risk policy requirements.
• Consult with Internal and External audit personnel to review Controlling procedures and implement any resulting audit points.

1999 - 2000
Assistant Vice President, Business Area Controller
Emerging Mkt., Fixed Income, OTC Derivatives, Operations Management & CRM IT Support Area
• Developed Project-based budgets for IT support.
• Collected Master Data, Settlement Rules, and Time Tracking information to enable implementation of SAP Project System (newly rolled out in New York).
• Maintained and updated allocation methodologies and compute adjustments resulting from changes for implementation.
• Developed, generated, and distributed monthly P & L reports, including project status information and allocation to project managers and project beneficiaries.
• Maintained the General Ledger for IT support areas above including month-end closing.
• Provided ad hoc management accounting information, including monthly forecasts of fully loaded cost of the IT support areas above and allocations to the business lines.

1998 - 1999
Associate, Business Area Controller
(All Operations Support Areas)
• Formulated forecasts and operating budgets ($150M) for all Operations Cost Centers.
• Maintained the General Ledger for Operations including month-end book close and re-class of accounting entries to appropriate lines using SAP and Computron programs,
• Analyzed and explained Operation's allocations to the front office and indirect costs (allocations into Operations) to the Operations Managers

Board Staffing Services, Inc
1997 - 1998
Consulting Financial Analyst

Pace University
1996 - 1998
Graduate Research Assistant: Department of Economics and Finance

Bombay Bank England Ltd
1990 - 1996
Budget Analyst

EDUCATION, CERTIFICATION & TRAINING

Lubin School of Business
1998
M.B.A., Financial Management
GPA: 3.88

University Of Ghana
1985
B.A., Statistics and Mathematics
GPA: 3.90, Certified and Chartered Accountants of England (ACCA), Certificate Stage

MEMBERSHIPS & AFFILIATIONS

Omicron Delta Epsilon - International Honor Society in Economics
Beta Gamma Sigma - National Honor Society in Business
Outstanding MBA Student - Profiled in Pace University brochure for 1997/1998
Student member of North American Chapter of Chartered Accountants of England

TECHNOLOGY SKILLS

Bloomberg Professional, SAP FI/CO, Computron, Microsoft Word, Excel & Excel Macros, Access & Access Macros, PowerPoint, Hyperion EssBase, and the Internet for financial research

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Chris Fong
604 Harmony Lane
Pleasantville, CA 94588
(925) 555-1234

CAREER PROFILE

Manager with 23 years experience in a variety of accounting positions, including Sales Tax Auditor, Senior Auditor / Acting Supervisor of Internal Audit, Tax Consultant, Office Manager, and Express Agent. Able to apply problem-solving skills, handle high pressure situtations, adapt to changing situations, and maximize efficiency while minimizing costs.

SUMMARY OF QUALIFICATIONS

• Handled various aspects of financial reporting, bank reconciliation, internal accounting controls, preparing trial balance, review and preparation of financial statements, sales reports, cash flow analysis, payroll, inventory control, conducting internal audits, and reviewing accounts receivable/payable journals.
• Skilled in office administration, staff supervision and development, records and file management, interdepartmental communications, correspondence, and project coordination.
• Oversaw contracts, budgets, projections, W-2s, tax liability assessment, individual income tax returns, sales tax returns, expense accounts, aging reports, collections, and sales journals.
• Demonstrated communication through professional relationships, presentations and proposal skills, coordination with attorneys and civic leaders, and staff supervisory skills.

EXPERIENCE

Public Department, New Orleans, LA
2000 - Present
Senior Auditor / Acting Supervisor of Internal Audit
• Review internal control structures, perform special reviews, conduct internal audits, make recommendations for corrective actions of unsatisfactory conditions, report findings to the Board of Directors and senior management, assist with improvements in operations and reductions in costs, monitor vendor contracts for compliance with contractual terms, and review all applicable laws and regulations for all projects and operations.
• Assist the Manager of the Audit Unit in designing annual audit plans, assign audits to staff and supervise progress, assist senior management and the Board of Directors on special projects, attend Pension Committee meetings as management representative, and perform internal and operational audits.
• Oversaw the design of an RFP for a Commission Recapture Program for the Employee Pension Fund, including publishing the request in the media, receiving bids, selecting an Evaluation Team, and developing a short list for the Board of Directors for final selection.

City Hall, New Orleans, LA
1996 - 2000
Auditor
• Served as auditor with a wide range of duties, including examination of previously submitted returns, reviewing public records, researching automated system files of taxpayer records, and studying tax laws, legal opinions, and court decisions for applicability of field examination work. Served as a member of an audit team, reviewed financial statements and records, audited operations, interviewed all levels of personnel to research operations, recorded and reported practices, determined tax liability for individuals and corporate entities, and related City sales tax auditing functions.

Gas and Electric Company, New Orleans, LA
1991 - 1996
Senior Auditor
• Reviewed internal control structures, performed special reviews, conducted internal audits, made recommendations for corrective actions of unsatisfactory conditions, reported findings to the Board of Directors and senior management, assisted with improvements in operations and reductions in costs, monitored vendor contracts for compliance with contractual terms, and reviewed all applicable laws and regulations for projects and operations.

Madeline's Electrical Services, New Orleans, LA
1987 - 1991
Office Manager
• Coordinated all aspects of office administration and general business operations, including supervision of five office staff members. Managed accounts payable, check requisitions, updating database of billing / payment transactions, and maintaining physical files of bills and receipts. Oversaw collections, reviewed delinquent accounts, sent collection effort letters, and contacted customers by phone. Handled accounts receivable, processed credit checks, and set up new accounts. Coordinated inventory control, ordering of supplies, shipping / receiving, including invoice management and quality control of order matching. Managed all general accounting functions, tracked bank transactions, made daily deposits, managed petty cash, tracked all financial records and reporting, and created monthly projections and end-of-month summaries. Oversaw payroll, including calculation of weekly hours for each employee, and maintained personnel files.

Rail Station, New Orleans, LA
1979 - 1987
Express Agent
• Managed Shipping Office, reported cash and credit transactions, submited daily, weekly, monthly, and quarterly reports, provided information to internal and external customers, balanced accounts, and participated in internal audits.

PROFESSIONAL AFFILIATIONS

• Society of Louisiana Certified Public Accountants
• Institute of Internal Auditors
• Louisiana Real Estate Society
• Institute of Internal Auditors

EDUCATION

University of New Orleans, New Orleans, LA
B.S., Accounting
Certified Public Accountant

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Dale Wong
604 Harmony Lane
Pleasantville, CA 94588
(925) 555-1234

CAREER OBJECTIVE

Manager with 15 years experience in Operations and Direct/Indirect Lending in the banking industry. Career advancement with a solid track record of promotions for outstanding performance. Seeking an opportunity with an organization where my skills and experience will have a valuable impact.

PROFESSIONAL PROFILE

• Strong interpersonal and communication skills with a demonstrated ability to develop and maintain sound business relationships.
• Proven ability to assume challenging roles, perform in highly visible positions, work under pressure to meet deadlines and produce strong sustainable results.
• Aggressive and energetic self-starter; effective working both independently and as a team member.
• Consistent success in surpassing productivity and performance objectives.

PROFESSIONAL ACHIEVEMENTS

• #1 in GAP sales; more than tripling GAP penetration in a one-year period.
• Significantly increased EOM volume, increasing outstanding loan portfolio from $20 million to $70 million during the period from August 1996 to present at Caldicott Dealer Financial Services.
• Increased volume of business with local dealer base, while maintaining a 1.5% delinquency rate with an average ROE of 25%.
• Established relationships with over 150 major auto dealerships. Increased National Bank Auto Finance's loan portfolio from $20 million to $180 million in a one year period.
• Chaired Committee for Fundraiser (United Way), achieved highest Department results bank-wide.
• Recognized for achieving largest monthly volume in branch lending. Achieved highest volume of credit life and disability add-on sales.
• Top Performer in Department with lowest delinquency rate (.40%) as Collector at State Bank of Lexington.
• Introduced and implemented an Insurance Tracking Program for $70 million installment loan portfolio.

PROFESSIONAL EXPERIENCE

Caldicott Banks, Inc. (Dealer Financial Services), Tampa, FL
1996 - Present
Assistant Vice President /Senior Underwriting Officer
Recruited back to Caldicott Bank as Senior Underwriting Officer, from Chase Auto Finance to manage local dealer base and increase volume of business while maintaining current dealer relationships.

National Bank Auto Finance, Tampa, FL
1995 - 1996
Senior Credit Analyst
Managed and increased monthly loan volume to $25 million in the state of Florida from $4 million a month. In addition, purchased contracts in eight states throughout the Southeast, for the largest national automobile dealership finance service in the banking industry.

Caldicott Banks, Inc. (Dealer Financial Services), Clearwater, FL
1993 - 1995
Loan Officer/Retailing Lending
Responsible for the purchase of retail sales contracts from dealers within growth, loss and yield parameters set by management. Worked cooperatively with dealers to maintain account relationships and expanded market share.

State Bank of Lexington N.A., Lexington, KY
1991 - 1993
Loan Officer/Retailing Lending
Promoted from Assistant Manager in the Credit Adjustment Department. Personally interviewed applicants; analyzing credit information; and closing various types of consumer loans. Serviced the credit and non-credit financial needs of existing clients, maintaining a positive relationship to enhance future business.

State Bank of Lexington N.A., Lexington, KY
1988 - 1991
Assistant Manager/Credit Adjustment Department
Promoted to Assistant Manager after a successful three-year period in Collections. Managed the day-to-day operations of the credit adjustment department; handling customer questions, concerns and complaints, while attaining a department delinquency well below industry standards. Supervised, trained and motivated a staff of five.

EDUCATION AND ADDITIONAL TRAINING

American Institute of Banking, Lexington, KY

ADDITIONAL TRAINING

• Operational Training
• Commercial Lending
• Residential Lending
• Indirect/Direct Lending
• ACAPS, CMSI (Credit Review), Windows environment, Lotus 1-2-3

PRWRA Kathy Hadley - Kathryn Hadley & Associates - E-mail: khanda2001@aol.com

Pat Hernandez
604 Harmony Lane
Pleasantville, CA 94588
(925) 555-1234

OBJECTIVE

Banking Management Position

PROFESSIONAL PROFILE

Small business lending/business market executive offering background in finance and branch-banking operations. Consistently achieve positive results in an ever-changing business environment. Proven track record of maximizing new business opportunities, retaining an existing account base, and consistently achieving corporate financial performance goals. Demonstrated success in leading teams during company reorganizations and rightsizing activities. Motivational management style. Computer literate. Working knowledge of Microsoft Office products.

ACCOMPLISHMENTS

• Conversion Project Manager - January 2000. Responsible for manual conversion of 2000 relationships from Union Bank to First Farmers Bank. Set-up operational procedures for conversions. Met with each customer and relationship manager for actual account conversion. Project to be completed by end of 1st quarter 2001.
• Business Banking Group - Target market $5M and under in revenues with credit needs up to $250K. Worked directly with banking centers for leads and opportunities. Responsible for educating banking centers on business products.

EMPLOYMENT HISTORY

First Farmers Bank, Dekalb, Illinois
2000 - Present
Relationship Manager
Managed a portfolio of 90 customers consisting of borrowing and non-borrowing relationships with market of up to $6M in annual revenues, credit needs of $1M in loans and lines, $1M in real estate and $1M in deposits.

First Farmers Bank, Dekalb, Illinois
1994 - 2000
Small Business Lending/Business Market Executive
Small Business Credit underwriting responsibilities in Mt. Kishwalkee branch in addition to other responsibilities.

First Farmers Bank, Dekalb, Illinois
1989 - 1994
Business Services Divisional Assistant
Responsibilities included servicing of Business Banking customers for Commercial Banking group. Set-up of cash management products (lock box, sweep ZBA), Cash concentration merchant services, problem solving loan documentation, and wire transfer set up.

First Farmers Bank, Dekalb, Illinois
1986 - 1989
Teller, Personal Banker, Commercial Loan Assistant

RELATED TRAINING/AFFILIATIONS

First Local Bank, Detroit, Michigan
1998
Completed commercial credit training workshop

EDUCATION

University of Detroit, Detroit, Michigan
1985
Bachelor of Business Administration - Concentration: Finance

PRWRA Pat Chapman - CareerPro-Naperville, Inc. - http://www.career2day.com

Drew Anderson
604 Harmony Lane
Pleasantville, CA 94588
(925) 555-1234

OBJECTIVE

Seeking a position within Wells Fargo requiring extensive experience in banking and financial services and management experience.

SUMMARY OF QUALIFICATIONS

• Skilled in all aspects of cash handling, issuing money orders, cashing checks, cross-selling banking products and services, and related duties. Licensed Arizona State Notary.
• Well-developed communication skills demonstrated through extensive customer service, answering multi-line phones, preparing reports and paperwork, and positive interaction with individuals at all levels.
• Knowledgeable in computer operations and applications including IBM-PC, Windows 98, and banking industry software.
• Consistently noted by supervisors for outstanding job performance, reliability, multi-task skills, efficiency, accuracy, speed, and timely completion of all assignments.

PROFESSIONAL EXPERIENCE

Wells Fargo, Allendale, Arizona
1996 - Present
Teller / Customer Service Representative
Initially hired as entry-level teller; promoted due to accuracy, speed, and skills.
Teller duties consist of maintaining proper cash limits, cashing checks, accepting deposits, issuing cashier's checks, money orders, and traveler's checks, cash advances, wire transfers, transfer of funds, and paying / receiving large amounts of currency / coin. Currently experienced in using various teller screens, including Merlin Platform, Boss / Fast, IONA, and BICS
Acting Banking Officer duties as needed on Saturdays included include opening and closing the Banking Center, approving overrides, assisting in the training of new tellers, monitoring cash limits, making supervisory decisions, ability to approve checks for tellers, scheduling lunch breaks, and ensuring quality customer service at all times.
Customer Service Representative duties included accepting credit card and loan applications, opening and closing accounts, cross-selling and consultative sales of financial products, and maintaining up-to-date knowledge of banking services and products.
• Elected to the Teller Dream Team in April 2000.
• Awarded Teamwork Success Recognition in October 1999.
• Received 100% on all Quality Shops in 1999-2000.

J.C. Penny, Allendale, Arizona
1994 - 1996
Loss Prevention Agent
• Loss prevention duties and responsibilities included monitoring a sophisticated in-store camera system, reviewing and maintaining current and accurate tapes, opening and closing store, preventing credit card fraud, uncovering internal and external theft, apprehending shoplifters, submitting reports as necessary, and coordinating closely with local law enforcement agencies.

THE HOME DEPOT, Allendale, Arizona
1994
Returns Desk Customer Service Representative
• Responsible for taking returns, approving refunds and exchanges, entering data into the computer system, ensuring that customers with chronic returns were referred to Loss Prevention, submitting daily reports, balancing cash drawer, and customer relations.

BULLOCKS DEPARTMENT STORE, Allendale, Arizona & Carlsbad, California
1984 - 1994
Loss Prevention Detective
• Loss Prevention duties essentially similar to those described in above position at J.C. Penny. Additionally responsible for serving as Inventory Controller handling mark-ups, mark-downs, claims, transfers, and IBM data entry. Also served as Assistant Manager in Sales with supervision over 5-10 employees and special ordering responsibilities in the buyer's office.

EDUCATION BACKGROUND

Professional Training
• New Accounts
• IRA Accounts
• Cross-Selling
• Banking Services
• Customer Relations

PALOMAR JUNIOR COLLEGE, San Marcos, California
1992
Psychology / Spanish
Undergraduate Studies

HARBOR JUNIOR COMMUNITY COLLEGE, Wilmington, California
1976
Initial College Coursework

HARBOR JUNIOR COMMUNITY COLLEGE, Palos Verdes, California
1974

PRWRA Grant Cooper - Strategic Resumes / YWW - New Orleans, LA 70118 - yww@gs.net

Jean Adams
604 Harmony Lane
Pleasantville, CA 94588
(925) 555-1234

Corporate-level Executive
Banking and Finance Professional
Vice President • Branch Manager

High skilled bank executive with more than 14 years’ stable and progressive experience. Possess proven personnel, customer service, operations, program and project management skills, as well as diversity in written and verbal communication, leadership, contract negotiation and interpersonal business relationship. Apply excellent critical thinking and problem resolutions skills to all projects undertaken. Employ highest levels of customer service and quality control to daily management practices, to ensure client satisfaction and generate repeat business.

QUALIFICATION HIGHLIGHTS

· Maintain responsibility for the overall operations of assigned facility and projects related to finance, personnel, training, administrative services.
· Oversee the investment of funds and manage associated risks, supervise cash management activities.
· Formulate and implement policies and procedures, manage daily operations, plan use of materials and human resources.
· Effectively utilize interpersonal relationship, leadership, and personnel development skills to boost employee satisfaction, and provide training opportunities to enhance skills.
· Develop and administrate budgets, financial materials, investments, customer financing, business plans and revenue forecasts.

Strengths:

Strategic Management
Budget Development & Administration
Professional Development
Team Building
Relationship Development and Maintenance
Operations Management
Leadership
Program and Project Management
Policy Making

PROFESSIONAL EXPERIENCE

Bank of California
1989 - present
Vice President / Branch Manager
· Planned and directed the building and opening of the local branch, including equipment purchasing and vendor contract development for furnishings, supplies, computers, and communication systems.
· Spearheaded and successfully implemented ongoing recruitment program to hire and effectively train all personnel.
· Maintain responsibility for managing new business development efforts, as well as retention and expansion of existing business relationship.
· Direct all aspects of staffing, personnel policy, facility maintenance, and customer service.
· Plan, direct, supervise, and evaluate workflow processes, ensuring highest levels of customer service, accuracy, and time compliance.
· Effectively employ proactive management and problem resolution techniques.
· Possess extensive and hands-on knowledge and experience of all aspects of commercial banking from personal experience in positions such as Bank Tell and New Accounts representative to Operations Supervisor and Assistant Vice President.
· Began career as bank teller and advanced through ranks based upon merit of work performance.

EDUCATION, CERTIFICATION & TRAINING

Graduate – San Luis Obispo Chamber of Commerce Leadership Program
General Coursework – Banking classes, Cuesta College
Graduate – Bank Teller Training Program, Ventura County Regional Occupation Program

MEMBERSHIPS & AFFILIATION

Treasurer, The Women’s Network
Treasurer, City Theater Company

Lea J. Clark - lclark352001@cox.net - http://www.gacareercenter.biz

Jean Adams
604 Harmony Lane
Pleasantville, CA 94588
(925) 555-1234

OBJECTIVE

Position utilizing solid background in banking, office supervision, database management, marketing, personnel administration, and customer service.

SUMMARY

• Assisted, trained, and mentored new hires and junior personnel on procedures to streamline repetitive work and improve productivity, efficiency, and accuracy.
• Identified and implemented time- and cost-saving methods to enhance profitability.
• Earned numerous Certificates of Excellence for exceeding productivity goals.
• Scheduled office personnel to ensure coverage and smooth work flow.
• Utilized Access to create, update, and maintain accurate and detailed databases and maintain queries, reports, and forms.
• Generated monthly and quarterly data integrity reports, providing an accurate foundation for credit analysis.
• Prepared and distributed information required for government compliance.
• Maintained complex Lotus spreadsheets used for management reporting.
• Created and distributed ad hoc financial reports.
• Kept careful records of office supplies and maintained inventory control.

EXPERIENCE

Bank of America, Spokane, Washington
2001 - Present
Group Leader - Retail Lockbox Department
Monitor workflow for the processing of payments for area utilities, mortgage accounts, taxes, health insurance, and businesses. Assist with scanning, encoding, and transmitting activities. Research account information, verify totals, correct discrepancies, and generate reports. Oversee the extraction process for internal and external clients. Ensure accounts are balanced and assist staff members with look-ups and write-ups.

Bank of America, Spokane, Washington
1996 - 2001
Database/Reports Specialist - Commercial Credit Department
Maintained group credit listings for accounts over $20MM. Created databases via Access and FoxPro for the preparation of quarterly classified loan reports. Prepared marketing presentations and supported all departmental marketing efforts. Created catalogs of delinquent loans. Oversaw the timely creation and distribution of reports of the Commercial Mortgage Portfolio. Prepared end-of-year 1099 reports.

Bank of America, Spokane, Washington
1993 - 1996
Group Leader - Commercial Credit Area
Reviewed all input and output data for month-end closing. Coordinated activities of credit staff and scheduled couriers. Maintained daily productivity and quality logs.

Bank of America, Spokane, Washington
1990 - 1993
Compensation Clerk - Payroll Personnel Operations
Verified time cards, prepared payroll reports, and processed annual raises.

Medical Professionals, Spokane, Washington
1985 - 1990
Office Manager
Determined assignments and allocation of trained medical technicians. Monitored responsiveness and quality of care given. Performed all month-end closing procedures, including preparing payroll documentation.

EDUCATION

Whitworth College, Spokane, Washington
Bachelor of Arts, Communication
Courses taken include:
• Computer Technology • Public Relations • Oral Communication
• Interpersonal Communication • Research Methods • Writing for the Public Media

American Institute of Banking
1994
Foundations of Banking

AFFILIATIONS

Financial Professionals International - Communications and Membership Chair
National Association of Urban Bankers - Fundraising Chair
Certified Peer Counselor

PRWRA Freddie Cheek - Cheek & Cristantello Career Connections - fscheek@adelphia.net

Renee McEvoy
604 Harmony Lane
Pleasantville, CA 94588
(925) 555-1234

PROFESSIONAL PROFILE

Focus: A/P-A/R Billing Clerk

• Extensive experience in responsible Accounts Payable, Receivable and billing positions, consistently assumed increased responsibilities
• Strong leadership and motivational skills; proven ability to quickly build rapport, establish trust, train and motivate people of all levels to achieve their maximum potential while attaining corporate objectives
• Recognized for professionalism, positive mental attitude, commitment to excellence, and demonstrated ability to communicate and interact effectively with senior management, associates, and customers
• Dedicated Accounts Payable/Receivable clerk
• Proficient on Reynolds and Reynolds accounting packages

AREAS OF EXPERTISE

Accounts Payable
• Enter invoices
• Reconcile bank statements
• Make sales, luxury and county tax payments
• Write floor vehicles pay-off checks
• Financial reporting
• Credit collections
• Review and monitor encoding
• Maintain collections data

Accounts Receivable
• Print monthly A/R Statements
• Record money due for receivables
• Follow-up phone calls on past due invoices
• General Journal entries
• Enter into accounting making sure all money is in on vehicle
• Analyze Data
• Reviewing documents for accuracy

Biller
• Review and finalize all paperwork and send contracts to banks/lending institutions
• Record all showroom vehicle invoices
• Process all licenses and titles on retail, lease, and wholesale vehicles
• Reconcile schedules

Receptionist / Cashier
• Courteously greet customers
• Handle daily cash box
• Answer phones, record and process accurate messages.
• Input warranty claims into computer
• Filing

EMPLOYMENT HISTORY

Swenson Cadillac, Naperville, Illinois
1996 - Present
A/P-A/R-Biller

Joliet Acura, Joliet, Illinois
1990 - 1996
A/P-A/R-Biller

Downtown Chrysler, Chicago, Illinois
1986 - 1990
Receptionist/Cashier

RELATED TRAINING

Reynolds & Reynolds, Atlanta, Georgia
2002
F&I User Support Utilities (Programming forms)

PRWRA Patricia Chapman - CareerPro-Naperville, Inc. - Naperville, Illinois 60563 - http://www.career2day.com - pat@career2day.com - (630) 983-8882 - (630) 983-9021 fax

Stacey McGovern
604 Harmony Lane
Pleasantville, CA 94588
(925) 555-1234

OBJECTIVE

To secure a position in Accounting and Finance where I can use my bookkeeping and managerial experience to become an asset to my employer.

HIGHLIGHTS OF QUALIFICATIONS

• Over 20 years of business experience.
• Bachelors degree in Accounting.
• Strong background in Finance and Accounting methodologies and practices.
• Excellent verbal and written communications skills.
• Ability to work independently.
• Highly creative and intuitive problem solver.
• Strong motivator, supervisor, and trainer.
• Commitment to work that furthers the growth and wholeness of individuals and the company.
• Personable, articulate, poised, and professional with both top management and support staff.
• Working knowledge of Spanish and French Creole. Fluent in the Dutch and Papiamentoe languages.

PROFESSIONAL EXPERTISE

Full-charge Bookkeeping and Accounting
Performing full charge bookkeeping and account management through financial statements and assembled documentation for year-end audits and respond to auditors' inquiries. Expertise includes, but is not limited to:
• Accounts Receivable and Billing • Inventory Control
• Budgeting • Prepared Bank Deposits
• Accounts Payable • Fixed Assets Analysis
• Bank Reconciliation • Automated Payroll
• General Ledger • Financial Account Analysis

Computer Literacy
• QuickBooks Accounting Software • Windows 98
• ADP Payroll • AS/400
• Proprietary Company Software • MS Word and Excel

Supervision and Training
Supervise Accounts Receivable & Accounts Payable department. Provide training to develop, maintain and enhance good customer relations as well as ethical accounting practices.

Initiative and Innovation
Established and directed a non-profit organization program for women in transition from welfare to work or in their place of employment. Oversaw the following responsibilities:
• Accounting and finance procedures.
• Writing grants and proposals for state funds.
• Overseeing the overall operation of the organization.

EMPLOYMENT HISTORY

Reed Securities, New York, New York
1997 - Present
Accounting Manager

Baker Storage, Inc, Elizabeth, New Jersey
1993 - 1997
Jr. Staff Accountant

Designers Unlimited, New York, New York
1986 - 1993
Assistant Finance Manager

Lynn Cordova, CPA, New Rochelle, New York
1980 - 1986
Full Charge Bookkeeper

EDUCATION

Rutgers University, Newark, NJ
B.A., Accounting

AWARDS AND HONORABLE RECOGNITIONS

• Certificate in Neighborhood Leadership Initiative - Community Foundation.
• Certificate in Parent Leadership - Parent Organizing Parent Strategy by State University.
• Parent Facilitator Certificate - State University.
• 1999 Excellence Award - Category of Volunteerism.
• Outstanding Achievement in Mathematics - Institute of Technology- EOF.
• Outstanding Academic Award - County College.
• Academic Excellence Award - County College Education Opportunity Funds (EOF).
• Performing Arts Award - Cultural Association.

PRWRA Dawn Reid - PTI Career Services - P.O. Box - Roselle, NJ 07203 - http://www.mypti.com

Renee McEvoy
604 Harmony Lane
Pleasantville, CA 94588
(925) 555-1234

SUMMARY

BOOKKEEPER • ACCOUNTS PAYABLE / ACCOUNTS RECEIVABLE OFFICER
A knowledge seeker, keen to maximize own professional value by learning and committing to full-time employment engagements. First-rate communicator, self-regulating worker. Acknowledged for capacity to meet deadlines, "get the numbers right," resolve persistent problems, and conceive cost and efficiency improvements for the financial well-being of business. Contract assignments have honed strengths in managing multiple tasks simultaneously, moving quickly and easily through projects, and adapting to different industries and people.

KEY CREDENTIALS

• Accounts Receivable/Accounts Payable • Payroll Administration
• Cash Allocations • Bank & Statement Reconciliations
• Invoicing & Purchase Orders • Debt Collection/Payment Arrangements
• Customer Relationship Management • Office Protocol/Practice Compliance
• Inventory Control • Statistical Reporting
• Data Entry/Receipts/Invoices/Purchase

EXPERIENCE SYNOPSIS

Swillington Farms
2002 - Present
Credit Officer
Nationwide manufacturer and distributor of milk products.
Reported to: Credit Manager. Despite no experience with industry-specific SAP software, and minimal training on arrival in office procedures and protocols, achieved good results in recovering outstanding debt, and controlling credit for over 500 accounts with terms varying from COD to 30 days.

• Negotiated account settlements and periodic payment schedules with several long-term outstanding accounts, and effectively saved one major client from transitioning to a competitor. Largest account managed - $50,000.

• Resolved issues surrounding the issuing of credits for the organization's "free milk" incentive. Conceived as a reward for prompt payment, several account customers were disgruntled at not receiving credit reward due to their poor payment record.

• Diplomatically explained concept to account customers, smoothed "ruffled feathers" and further emphasized the benefits of prompt payment to strengthen business cash flows, and win incentives next cycle.

• Pursued long-term outstanding debtors and reopened stalled communications, encouraging a climate of understanding and service. In just 5 weeks, 12 of 15 outstanding accounts showed improvement.

Baker Communications
1999 - 2002
Bookkeeper
Small information technology retailer/repairer, hardware/software advisory service, and internet service provider.

• Immediate challenge was to restore cash flows in ailing IT business impacted negatively by large market competitors. Seesaw turnovers dipping from $70,000 to a high of $300,000 monthly produced significant obstacles in meeting supplier payments and necessitated immediate action to connect the peaks and troughs of cash flows with accounts payable system.

• Administered financial books for 2 distinct companies (hardware installations/repair service and internet service provider). Processed bank reconciliations, entered receipts and data into the computerized system, and managed daily banking procedures.

• Established a routine customer follow-up system to encourage regular on-time payments and assure continued cash flows. Successfully achieved increased payment frequency from 97% of accounts.

• Revamped accounts payable function to prioritize payments to suppliers, maintain long-term loyalty, and aid cash flows.

Victoria Center
Assistant Accountant
Aged care provider with 160 full-time, temporary and contract staff on payroll. Areas of responsibility: Payroll, Group Tax, and Superannuation.

• Administered $160,000 payroll for 160 staff utilizing PERUSE software. Quickly mastered new system basics solely through personal tuition, and working autonomously became the first point of contact for staff inquiries and concerns. The payroll, returning in-house to save outsourcing expenditures was complex and bulky, and little was known of its operation.

• Appointed to secondary role as Health & Safety Officer; processed claims, initiated communications with injured workers and specialists, and created a "Back to Work" program.

EDUCATION

Box Hill Institute of TAFE
1999
Advanced Diploma of Business (Accounting)

Box Hill Institute of TAFE
1998
Diploma of Business (Accounting)

Training includes hundreds of hours in on-the-job learning, process familiarization, and system orientation. Short course attended at VECCI in Telephone Techniques.

TECHNOLOGY

MYOB, Microsoft Office (Word, Excel, Outlook); Fax Works, SAP, Internet, Windows 2000/ME/98/95, LAN/WAN.

PRWRA Gayle Howard - Top Margin - gayle@topmarginonline.com

Kerry Cordova
604 Harmony Lane
Pleasantville, CA 94588
(925) 555-1234

PROFILE

Professional with more than 15 years experience in a management capacity within the banking industry, including branch management and IT technical support. Management experience includes total profit and loss responsibility, budget preparation, controlling expenditures, increasing sales, improving team performance, all activities of personnel supervision and management, insuring compliance with policies and established practices, interpreting regulations, developing excellent customer rapport, resolving problems, and project management activities.

EXPERIENCE

Houston City Bank, Houston, Texas
1998 - 1999
Assistant Vice President - Branch Manager
Managed all operations and maintained total profit and loss responsibility for a new branch office in the Montrose / Museum District. Supervised up to seven employees.
• Hired specifically for the start-up of these operations.
• Grew the business from zero to over $8 million in eight months for deposit base.
• Established individual and branch goals: achieved 110% of plan at $1.6 million the first quarter.
• Averaged 130% of goal for sales ratio each quarter.
• Created a highly cohesive working environment by introducing interactive staff meetings where each employee was responsible for conducting a five to ten minute presentation on branch products in conjunction with a written report.
• Planned the interior design of the entire branch.
• Established a rotating art museum in the lobby to display work of local artists, and worked to accommodate different customers' tastes.

Morgan Bank of Texas, Austin, Texas
1997 - 1998
MIS / Data Warehouse - Retail Marketing
Provided technical support to the MIS / Data Warehouse.
• Piloted the first advertising and outreach program for a particular segment of the community. Managed a $50,000 annual budget for the outreach program, participated in community and business activities, and managed a $10,000 annual budget for advertising.

Morgan Bank of Texas, Austin, Texas
1995 - 1997
Branch Support - Retail Delivery
Supported front-end software processes for 120 branches and several thousand end-users.
• Automated and updated bank programs to reflect new account services, as well as branch openings and closings.
• Managed the set-up of all computer systems, peripherals, and furniture for eight new branch openings.
• Initiated and developed written procedures for establishing computer systems and related equipment.

Morgan Bank of Texas, Austin, Texas
1987 - 1995
Project Manager / Technology Services Officer
Served as a project manager and supervised a conversion to an online system that resulted in a paperless society. Supervised three areas: Mantis (software package for report distribution), RDOL (online database for customer use), and Production Control (work process analysis including recovery of lost reports and customer requests). Supervised, coordinated, and directed operations in moving new and existing applications from test to production environments. Involved heavy emphasis on customer relations.
• Chaired the Process Improvement Committee responsible for cost reduction and technology updates.
• Created an online database that allowed customers to review requests.
• Documented and streamlined all functions to allow for reduction in errors.
• Designed an online system through Paradox that allowed the customer to view report distribution.
• Conducted 20 classes for up to 400 participants, providing training on optical online system.
• Assigned as bank representative on the Quality Circle Committee, a community organization.

Morgan Bank of Texas, Austin, Texas
1981 - 1987
Supervisor / Manager
Coordinated and directed the activities of up to five departments, including data entry, computer operations, check / sort operations, customer balancing, and distribution. Supervised approximately 15 employees.

First Union Bank, Kensey, Pennsylvania
1981 - 1981
Customer Service Representative

First Northern Bank, Wellingford, Pennsylvania
1979 - 1980
Clerk

EDUCATION

AUSTIN COMMUNITY COLLEGE, Austin, Texas
1985
Completed coursework in Business Administration and Computer Science

LUZERNE COUNTY COMMUNTY COLLEGE, Nanticoke, Pennsylvania
1981
Completed coursework in Principles of Bank Operations and Psychology

PRWRA Sandy Hild - The Résumé Doctor - Theresumedoctor@aol.com - resumespecialist@yahoo.com - http://www.theresumedoctor.com

Renee McEnvoy
604 Harmony Lane
Pleasantville, CA 94588
(925) 555-1234

OBJECTIVE

Seeking Teller position with growth-oriented company offering opportunity for advancement and professional development, requiring extensive experience in banking and financial services and management experience.

ACCOMPLISHMENTS

• A high-energy, enthusiastic and dependable individual who excels in challenging and competitive environments.
• Met and exceeded quotas and accomplished delegated objectives.
• Successful track record of with high responsibility positions.
• Fast learner; quickly incorporate and implement new procedures
• A solid work ethic in delivering high-quality service to customers. A solid work ethic in delivering high-quality service to customers.

RELEVANT SKILLS

• Computer: Proficient in Windows Software, WordPerfect, Excel, Microsoft Word, Dos, Data Entry, and Internet
• Excellent Customer service skills

SUMMARY OF QUALIFICATIONS

• Effective planning and organizational skills.
• Skilled in all aspects of cash handling, issuing money orders, cashing checks, cross-selling banking products and services, and related duties.
• Well-developed communication skills demonstrated through extensive customer service, answering multi-line phones, preparing reports and paperwork, and positive interaction with individuals at all levels.
• Expertise in business administration, record keeping, planning, policies, procedures, researching, scheduling, and related responsibilities to ensure productive operations.
• Work well independently and as part of a team.

EMPLOYMENT HISTORY

The Royal Omni Hotel, New Orleans, LA
2003 - Present
Cashier
Cash handling, customer service, balance drawer, petty cash, and place orders for inventory. Manager in training: such duties involve opening and closing the registers, approving overrides, assisting in the training of new cashiers, monitoring cash limits, making supervisory decisions, scheduling lunch breaks, and ensuring quality customer service at all times.

A.S.I Federal Credit Union, Gretna, LA
2002 - 2003
Teller
Responsible for cash/checking deposits, processing loan payments, opening accounts, getting direct deposits accounts activate atm/debit cards

Hibernia National Bank, New Orleans, LA
2000 - 2002
Teller
Teller duties consist of maintaining proper cash limits, cashing checks, accepting deposits, issuing cashier's checks, money orders, and traveler's checks, cash advances, wire transfers, transfer of funds, and paying / receiving large amounts of currency / coin.

EDUCATION

Community Independent Linving Systems (Vocational Tech), New Orleans
1998
Certificate, Office Occupation

PRWRA Marie L. Cajuste - Curriculum Vitae Express - Delray Beach, FL 33482 - http://www.cv-xpress.com - mcajuste@cv-xpress.com - 561 638 8598 - 1 866 362 7628 toll free

Taylor Anderson
604 Harmony Lane
Pleasantville, CA 94588
(925) 555-1234

PROFILE

Collections & Credit Manager

· With more than 16 years experience working with business and consumer accounts.
· Proven track record reducing delinquencies and bad debt, maximizing recovery, improving quality assurance, hiring better qualified candidates, improving training and staff development, increasing morale, and decreasing turnover.
· Strategic thinker who has successfully managed several startup operations and served as a turnaround expert to improve productivity.
· Computer skills include Microsoft Office (Word, Excel, PowerPoint, Outlook) Microsoft Project, Siebel, Genesis.

Areas of Expertise:

· Recruiting and Hiring Staff
· Training and Staff Development
· Motivating through Incentives / Contests
· Scheduling Staff
· Performance Evaluations
· Determining Deposits Based on Credit
· Evaluating Out of Territory Customers
· Evaluating New Account Credit Risks
· Managing Approval Activities
· Approving All Exceptions
· Real Time Credit Scoring
· Quality Control
· Call Monitoring
· Monthly and Quarterly Forecasting
· Budgeting and Controlling Expenses

EXPERIENCE

RELIANT ENERGY – Houston, Texas
2001 to 2004
Collections Manager (2003 to 2004)
Promoted to manage outbound and inbound collections for a business services center with 1.6 million accounts and $250 million in business and consumer receivables. Supervised 4 supervisors and 65 representatives. Managed relationships with two primary collection agencies, while developing a third. Reported to the vice president of credit and collections. Communicated with managers in sales and marketing, billing, legal, regulatory, and customer service call centers.
· Improved efficiency and productivity by developing and implementing a collection training program.

Credit Manager of Business Services (2001 to 2003)
Participated on a team that established business services credit and collections department to transition company in response to deregulation in Texas. Managed $85 million in receivables in business services credit and collections.
· Hired 50 to 60 employees and handled conversion of staff from Houston Lighting & Power (HL&P).
· Personally brought 15 to 20 qualified employees over from Cingular Wireless who had predictive dialer experience and higher skills levels.
· Worked with vice president of credit to write and implement credit and collection policies for business services in accordance with company’s objectives and PUC guidelines and regulations.
· Brought delinquency down from 30% to 40% to 5% when converting over from HL&P.
· Implemented a quality assurance program with voice and data monitoring scoring to recognize strengths and areas for improvement (system required supervisor to monitor 5 to 10 calls a week per representative).

CINGULAR WIRELESS – Houston, Texas
1992 to 2001
Manager of Collection Services (1997 to 2001)
Coordinated and directed all collection operations, meeting bad debt expense and recovery. Reported to the director of collection services.
· Grew area from 10 collectors to 60 to handle an increase from $20 million to $80 million in receivables and 200,000 to over 700,000 customers.
· Implemented usage of a predictive dialer system.
· Improved cash flow to collections and reduced bad debt by implementing a new collections system to monitor receivables.
· Completed every month at $1 million to $1.5 million under budget for bad debt, under 2% of all receivables.
· Lowered bad debt expense by millions of dollar by implementing a fraud detection system, which allowed monitoring of real time usage and unusual patterns in usage.
· Decreased turnover significantly.

Collection Services Supervisor (1992 to 1997)
Managed $50 million in annual collections and supervised 22 collectors responsible for canceled accounts no longer active yet prior to turnover to outside collection agencies.
· Averaged 17% for outside recovery, which was 130% of goal.
· Achieved as high as 104% of plan for collection of prior month’s billing.
· Served as system administrator for Digital’s Mosaix Predictive Dialing System.

CITICORP NATIONAL SERVICES, INC. – Houston and Dallas, Texas
1988 to 1991
Collection Supervisor – Indirect Automobile Division
Managed all collection activities from 15,000 accounts with an $85 million net balance. Supervised 8 collectors and administrative support staff.
· Hired originally as a supervisor in the Dallas office and moved to Houston when company relocated.
· Reduced average daily delinquency from 13% down to 6% in 3 months after Citicorp inherited new accounts from Citbank-Florida.
· Decreased repossession rate from 6% to less than 3%.

ADDITIONAL EXPERIENCE:

J.C. PENNY COMPANY, INC.
Collection Supervisor / New Accounts Manager / Authorization Supervisor

EDUCATION

UNIVERSITY OF TEXAS AT ARLINGTON – Arlington, Texas
1980
Bachelor of Science in Social Work

Training:
· Xcellence: Critical Skills in Supervision
· Bill Arnold Collections
· Focused Interviewing
· Business Ethics
· Kepner Tregoe Project Manager
· NACM Credit / Collections Professional’s Training
· Dun & Bradstreet Business Collections
· Excel / Windows / Word / Microsoft Project

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Drew Sterling, CPA
143 Broad Street, Phoenix, AZ 86754 / Tel# (623) 555-3423 Email: drew@myisp.com
CONTROLLER

PROFILE

Twenty years experience as a Certified Public Accountant with management experience in public and private accounting. Comprehensive knowledge of financial statement preparation and analysis. Expert knowledge of individual and corporate tax law at Federal and State level. Proficient in applying GAAP principles to auditing engagements and management reports. Master of Business Administration, Finance and Accounting.
SKILLS SUMMARY

· Financial Statements
· Journal Entries
· Accounts Payable/Receivable
· Tax Reports
· Business Operations
· Bank Reconciliation
· Cost Accounting
· Inventory Accounting
· Accounts Receivable
· Quicken
· ACCPAC
· MS Excel
PROFESSIONAL EXPERIENCE

ARROWHEAD INDUSTRIES, Tucson, AZ
1993 - Present
Controller
Maintained all aspects of general ledger including month-end closing and accruals and analysis of general ledger accounts. Prepared and filed S-Corporation returns including 1120S and CT-1120S annually. Prepared and filed CT Sales and Use Tax return on a monthly basis. Prepared and filed payroll tax returns.
§ Designed daily cash flow report summarizing inflows and outflows to numerous bank accounts resulting in 5% savings in cost of funds.
§ Created and presented monthly/quarterly expense analysis spreadsheets to inform management of opportunities to decrease expenses.
§ Formulated and graphed monthly and quarterly sales analysis spreadsheets to re-focus sales activity and achieve a 12% gain in sales.
§ Designed and negotiated comprehensive employee benefits package, including health insurance, life insurance, and long-term disability, to realize significant cost savings.
§ Assessed office efficiency and streamlined duties to increase productivity and profit margin.

J.R. BURBERY’S, Flagstaff, AZ
1988 - 1993
Senior Accountant
Performed month-end and year-end closing functions. Prepared adjusting journal entries. Analyzed numerous monthly bank reconciliations. Documented all aspects of workmen’s compensation claims. Prepared trial balance and year-end adjusting entries.
§ Established company-wide system for copying and collating personal and business tax returns to improve filing efficiency.
§ Implemented company-wide filing system for cash receipts and cash disbursements, addressing a previous concern voiced by external auditors.
§ Generated revenue increase of 12% due to regional promotion of tax planning.
§ Introduced a more efficient accounting software program.
§ Created procedures to ensure no overage or shortage in sales.
DESERT PRODUCTS, INC., Flagstaff, AR
1985 - 1988
AP/AR Manager
Managed all aspects of Accounts Payable and Receivable. Trained office personnel to follow standard accounting practices.
§ Organized, restructured, and implemented new Accounts Payable system to transform manual system to computerized format.
§ Trained staff on Chart of Accounts, Accounts Payable, and Payroll to maintain consistently accurate accounting of funds.
§ Received recognition from company president for outstanding performance and attention to detail.
FIRST FINANCIAL, INC, Flagstaff, AR
1983 - 1985
Financial Analyst
Supported management team through analysis of real estate and loan operations. Facilitated monthly loan reporting packages. Projected real estate cash flows.
§ Assessed profitability through analysis of financial statements and ratios.
§ Performed waterfall and cash flow modeling of loans to inform management of trends.
§ Valued portfolios, loans and real estate to ensure consistent asset allocations.
§ Monitored performance and projections for real estate assets to forecast undesirable fluctuations in asset valuation.
MOEHLE AND SMYTH, Flagstaff, AR
1982 - 1983
Bookkeeper
Performed full charge bookkeeping and account management, assembled documentation for year-end audits, and responded to auditors’ inquiries.
§ Examined and analyzed journal and ledger entries, bank statements, inventories, expenditures and other accounting and financial records to ensure financial recording accuracy and compliance with the GAAP and CICA Handbook.
§ Reorganized office and accounting processes to improve efficiency and boost productivity.
§ Established a routine customer follow-up system to encourage regular on-time payments and assure continued cash flows. Achieved increased payment frequency from 97% of accounts.
EDUCATION

Master of Business Administration (Finance and Accounting), 1985
City University, Tucson, AZ
Bachelor of Science, Accounting, 1982
City University, Tucson, AZ
CERTIFICATION

Certified Public Accountant, State of Arizona (1992)
PROFESSIONAL AFFILIATIONS AND AWARDS

§ American Institute of Certified Public Accountants-AICPA
§ Arizona Society of Certified Public Accountants-ASCPA
§ Business Person of the Year, Tucson Chamber of Commerce
§ Certificate in Neighborhood Leadership Initiative
§ Outstanding Academic Award

Taylor Anderson
604 Harmony Lane
Pleasantville, CA 94588
(925) 555-1234

PROFILE

Graduate of an MBA program with an emphasis on accounting and international business with 5 years of tax experience and 2 years in finance and accounting. Provided executive leadership while managing all financial activities of a multi-million dollar corporation. Expertise includes developing capital budgets, forecasting, analyzing cash flow, analyzing jobs and product costs, reducing expenses, negotiating equipment leases, preparing financial statements, and managing inventory. Prepared a company for acquisition.

EXPERIENCE

Electronic Publishing, Inc., Dallas, Texas
1999 - Present
Controller
Manage all accounting and financial services for a $6 million CD and DVD manufacturer, maintaining profit and loss responsibility. Interact internally with company president, production managers, information technology managers, technical staff, sales manager, and sales team. Maintain additional responsibility for facilitating the manufacturing process, including process flow, scheduling, and personnel issues. Communicate externally with vendors, clients, and financing companies to negotiate terms on receivables and payables.

• Participated on the executive team from start-up, including development of the mission statement, vision statement, business plan, capital budgeting analysis, financial statements, and policies and procedures for accounting, finance, and manufacturing processes.
• Created and implemented an automated system that tracks business processes from throughout the entire manufacturing cycle.
• Negotiated a 10% to 15% reduction in vendor pricing and terms.
• Significantly improved customer satisfaction by providing internal controls for meeting time sensitive deadlines and decreasing time for problem resolution.
• Researched and developed relationships with potential buyers, providing financial information relative to due diligence and valuation of the business throughout a six-month time frame to sell the business in July 2001.
• Consulted with new owners during a short-term transition period.

Deloitte & Touche, Dallas, Texas
1999 - 1999
Senior Associate
Worked within the International Assignment Solutions Division, managing global tax consulting projects and compliance work for expatriates. Major corporate accounts included Shell Oil Company, Alcatel, Coca-Cola, Kellogg, Ericsson, Ford, and HEB. Interacted with high net worth individuals such as company presidents, vice presidents, chief executive officers, chief financial officers, and senior engineers.

• Received "train the trainer" instruction on Exclaim, an electronic project files database and trained both the Dallas and Denver offices
• Created a 90% paperless work environment and eliminated all shipping costs for the transfer of paper files between offices.

Ernst & Young, Naples, Florida
1996 - 1998
Knowledge Developer
Researched, designed, maintained, and enhanced Ernst & Young's STAR for Windows income tax products. Utilized knowledge of tax support and preparation of expatriate tax returns to provide development support during a conversion from MS-DOS to Windows environment and implementation of the STAR for Windows software application. Traveled across the U.S. and lived in Toronto, Canada for six months to implement and train employees on this program. Prepared tax returns.

Computer Linguistics, Houston, Texas
1994 - 1996
Tax Software Developer
Researched, designed, maintained, and enhanced TaxRight income tax products within both MS-DOS and Windows environments. Provided support to clients. Attended conferences to participate in roundtable discussions and to learn about new products in this industry.

COMPUTER SKILLS

Microsoft Office (Word, Excel, PowerPoint, Access, and Outlook), STAR, TaxRight, MAS 90, and Visual Basic.

EDUCATION

University of Texas at Dallas
1995
Master of Business Administration
Specialization in Accounting and International Business

University of Texas at Austin
1991
Bachelor of Business Administration in Accounting
Raised funds for nonprofit organizations through the Hong Kong Student Association.

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Jordan Winters
604 Harmony Lane
Pleasantville, CA 94588
(925) 555-1234

SUMMARY

Accounting and business professional with broad experience in all aspects of accounting and financial management. Demonstrated hands-on management style in the development and implementation of strategic plans to ensure company growth. Solid planning and organizational skills in coordinating all aspects of each project from inception through completion. Well disciplined with proven ability to manage multiple assignments efficiently under extreme pressure while meeting tight deadline schedules. Ascertain needs and goals, streamline existing operations, turn around unprofitable functions, envision new concepts and future trends, and follow through with development, direction, and accomplishment. Effectively communicate direction, commit people to action, and convey complex information in easily understood formats.

Comprehensive experience in:

• Organizational Re-Engineering • Financial Leadership
• Banking and Investor Relations • Cash Management
• Financial Management / Analysis • Multi-Site P&L Management
• Reporting / Documentation • Planning / Scheduling
• Business Analysis • Hardware and Software Systems
• Budget Preparation • Human Resource Management

WORK HISTORY

Maxwell Management Group, Omaha, NE
2001 - Present
BANKRUPTCY CONSULTANT
• Analyze financial statements and company operations experiencing financial difficulties and formulate recommendations to management.

Ferndale Inn, Omaha, NE
1985 - 2001
General Manager / Controller
• Maintained overall authority for the financial operation of this 67-room hotel with 35 employees, including a full service restaurant and lounge. Performed budget preparation and administration, audit, taxation, accounting, monthly closing of books of record, account reconciliation, and journal entry adjustments. Prepared monthly, quarterly, and annual reports summarizing and forecasting company business activities and financial position in areas of income, expenses, and earnings based on past, present, and expected operations. Developed financial statements, analyzed business trends and daily operating costs.
• Directed day-to-day operations including strategic business and market planning, sales, and advertising and marketing plans.
• Supervised, directed, and supported a staff of 35 responsible for accounting, contract administration, purchasing, management, housekeeping, maintenance and secretarial support.
• Maintained and updated personnel files including wage and salary information, performance reviews, employment regulation compliance, payroll processing, and employee benefit program administration.
• Implemented administrative infrastructure to support company-wide growth from ground up to sales of $1.5 million at time of sale.

World Management Corporation, Omaha, NE
1982 - 1985
Controller
• Prepared and analyzed financial statements for multi-site company with sales in excess of $20 million. Managed accounts payable, accounts receivable, general ledger, billing, credit and collection, monthly and year-end financials, and supervised payroll for 80+ personnel. Directed a staff of five.
• Coordinated business fund transfers, cash receipts, disbursements and monthly account reconciliation.
• Instrumental in reversing Pallet Plant losses of $8,000 per month to profit of $8,000 per month.
• Reduced office staff by 3 and maintained productivity.

EDUCATION

Omaha University, Omaha, NE
B.S., Accounting, Minor: Mathematics

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Casey Catello
604 Harmony Lane
Pleasantville, CA 94588
(925) 555-1234

SUMMARY

Management professional with unique experience applying organizational development, leadership training, and communications skills to improve productivity, increase efficiency, enhance quality, and strengthen financial results. More than twenty-five years in managerial and leadership roles. Combine strong analysis, organization, planning, and consensus building abilities with effective problem resolution, negotiation, and relationship management skills. Specifically skilled in diverse management in private enterprise corporations with particular emphasis on administration and development of business potential.

Proven talent in hands-on training. Strong research and analytical abilities. Excellent team building and interpersonal skills; work effectively with individuals on all levels. Extremely successful in facilitating cooperative relationships among employees and management.

Core competencies include:
• Operations and Financial Analysis • Business / Enterprise Turnarounds
• Leadership Development • Efficiency Management and Appraisal
• Customer Retention Strategies • Policy and Procedures Development
• Relationship and Team Building • Credit Management
• Training and Mentoring • Financial Statement Generation
• Time Management Training • Conflict Resolution

MAJOR PROJECTS AND ACCOMPLISHMENTS

• Identified need for company-wide training, development, and proper personnel placement. Persuaded executive management to support initiative and implemented changes.
• Surveyed current performance evaluation systems and investigated effective methodologies.
• Provided organizational structure, assigning staff to proper skill levels and pay bands. Outlined key product, process, and people core competencies in order to set performance goals and achieve company objectives.
• Established corporate policies and procedures for general accounting, financial reporting, cash management, payroll and year-end analysis. Implemented flexibility required to meet the needs of corporations.

PROFESSIONAL EXPERIENCE

Helix Repair Service, Inc., Dallas, Texas
1997 - Present
CAO/CONTROLLER
Provided senior financial management for oilfield industry valve remanufacture and repair corporation.
• Evaluated financial conditions and initiated on-going communications and negotiations with bank officers, private lenders, and vendors to keep the corporation in operation, avoiding foreclosure and bankruptcy proceedings.
• Assessed and restructured administrative, personnel and marketing procedures.
• Dismissed unqualified personnel and unqualified accounting staff; set up and customized a professional accounting program; brought in and trained qualified personnel; retained a qualified accounting firm and worked with accountant in getting past tax returns amended.
• Brought the corporation onto more solid financial ground, re-establishing open credit accounts with vendors.
• Recommended restructuring and downsizing of corporation due to long-term market conditions.
• Developed budget and business plan for restructured entity.

Octagon Industries, Galveston, Texas
1995 - 1997
CAO / CONTROLLER
Directed financial management for restaurant corporation with 2 large restaurants, a central kitchen/warehousing facility, and a satellite kitchen facility.
• Evaluated financial, administrative, personnel, office, and operational procedures and conditions.
• Restructured organizational chart, shifting management and supervisory personnel into positions better suited for their abilities and personally trained when necessary.
• Dismissed unqualified accounting staff; set up and customized a professional accounting program; brought in and trained new personnel; put financial records in proper order according to GAAP guidelines and retained a qualified accounting firm.
• Recommended and assisted in restructure of corporation when marketing research data bore out historical evidence that the larger restaurant was not in a supportive market area, establishing an appropriate retail business in its physical plant.

Zane Group, Houston, Texas
1993 - 1995
Proprietor / CEO
Founded and managed a commercial wholesale catering business.
• Created and marketed products for restaurants.
• Sold company assets to Octagon Industries.

Lincoln, Beale, & Frank, Houston, Texas
1990 - 1993
Partner / CAO
Managed landscape architecture design and site planning company.
• Established and developed the firm with original partners, overseeing all aspects of administration including office, financial and personnel.
• Notable projects include Houston Moon Walk, Audubon Zoo, Crockett Square Mall, and San Jacinto State Park.

Goldman and Frank, Aspen, CO
1987 - 1990
Consultant
• Established the Reservations Department for ski resort complex.
• Developed and marketed competitive vacation packages, negotiating with travel agencies, hotels, condominium owners, etc.
• Selected and trained management and support personnel in public relations and operational procedures.
• Assisted the Personnel Director in screening, interviewing, selection, placement, and administration of nearly 300 seasonal resort employees.
• Established operations and personnel policies and procedures and co-authored the Aspen Ski Resort Employee Handbook.

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Lee Robertson
604 Harmony Lane
Pleasantville, CA 94588
(925) 555-1234

QUALIFICATIONS PROFILE

• Certified Public Accountant with management experience in public and private accounting.
• Comprehensive knowledge of financial statement preparation and analysis.
• Expert knowledge of individual and corporate tax law at Federal and State level.
• Proficient in applying GAAP principles to auditing engagements and management reports.

PROFESSIONAL EXPERIENCE

Doyle and Associates, New Haven, CT
1997 - Present
Controller
Maintained general ledger in all aspects including month-end closing, analysis of general ledger accounts, and month-end accruals. Prepared and filed S-Corporation returns including 1120S and CT-1120S on a yearly basis. Prepared and filed CT Sales and Use Tax return on a monthly basis. Prepared and filed payroll tax returns including 940, 941, CT-941, and UC-5A. Developed cash flow projection report for corporate funds.
• Increased profit margin by 8% by streamlining office personnel.
• Implemented and evaluated Safety Committee in compliance with state regulations.
• Designed employee benefits package including health insurance, life insurance, and long-term disability.

Zane Company, Cheshire, CT
1995 - 1997
Assistant Controller
Assisted controller in month-end and year-end closing functions. Prepared adjusting journal entries. Prepared and analyzed numerous bank reconciliations on a monthly basis. Managed employee health insurance benefits and property/casualty insurance issues. Documented all aspects of workmen's compensation claims.
• Designed daily cash flow report summarizing inflows and outflows to numerous bank accounts.
• Formulated and graphed monthly and quarterly sales analysis spreadsheets.
• Created and presented monthly/quarterly expense analysis spreadsheets to management.

Lincoln and Beale, CPA's, Clinton, CT
1992 - 1995
Staff Accountant
Prepared personal tax returns including 1040 and CT-1040 on a daily basis. Prepared payroll tax returns including 940, 941, CT-941, and UC-5A. Keyed and reviewed personal and business tax returns. Prepared trial balance and year-end adjusting entries for numerous clients.
• Established company-wide system for copying and collating personal and business tax returns.
• Implemented company-wide filing system for cash receipts and cash disbursements.
• Generated revenue increase of 12% due to regional promotion of tax planning.

CERTIFICATION

Certified Public Accountant, State of Connecticut (1992)

PROFESSIONAL AFFILIATIONS

American Institute of Certified Public Accountants-AICPA (1992-Present) , Connecticut Society of Certified Public Accountants-CSCPA (1992-Present)

EDUCATION

University of Connecticut, Stoors, CT
M.S., Business Administration

University of Connecticut, Stoors, CT
B.S., Accounting

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Jamie Hill
604 Harmony Lane
Pleasantville, CA 94588
(925) 555-1234

SUMMARY

• Designed and effected numerous live implementations completed on time and on budget.
• Strong analytical and troubleshooting skills, quickly assessing situations and providing solutions.
• Expertise in systems implementations, cost analysis and process improvements.
• Track record of progressive responsibilities and promotions.

EDUCATION

Indiana Wesleyan University, Marion, IN
1998
Masters, Business Administration

Hanover College, Hanover, IN
Bachelor of Arts, Business Administration, Minor: Computer Science, Economics

PROFESSIONAL EXPERIENCE

Reed and Associates
1993 - Present

Reed and Associates
1995 - 1998
Cost Accounting Manager
• Supervised Cost Accounting staff.
• Performed all cost accounting functions, including profit & loss, standard cost development for profit plan, perpetual inventory, and general ledger account.
• Collaborated on implementation project team.
• Analyzed reserve accounts for inventory.
• Contributed to success of new product development team.
• Oversaw and reviewed all proposed new products and engineering system changes.

Reed and Associates
1994 - 1995
Cost Analyst/Sales Forecaster
• Effectively managed daily activities of Cost Accountants.
• Formulated accurate sales projections for 3- and 6-month periods.
• Interpreted sales projection data for manufacturing and material planning purposes.
• Implemented Inventory Management System, providing training for all users.
• Created product standards for newly acquired company.

Reed and Associates
1993 - 1994
Cost Accountant
• Effectively priced all products; entered into Standard Cost System.
• Evaluated and analyzed labor and material variances.
• Audited physical inventory and provided cost analysis of engineering changes and updates.
• Monitored inventories of finished goods and raw materials, correcting discrepancies and changes.

Lincoln, Beale & Frank
1992 - 1993
Assistant Business Manager
• Oversaw and evaluated operations, purchasing, and inventory movements of 5 facilities.
• Drafted and evaluated all proposed capital projects.
• Produced quarterly and yearly budget proposals.

Manning and Associates
1983 - 1992

Manning and Associates
1990 - 1992
Senior Cost Accountant/ Accounts Payable Supervisor
• Managed the daily activities of AP group.
• Created accurate standard direct costs for finished goods and raw materials.
• Directed and approved monthly closeout for direct costs.
• Drafted and prepared annual budget, including detailed standard costs.

Manning and Associates
1987 - 1990
Associate Accountant
• Documented and analyzed all tooling costs from manufacturing plant.
• Oversaw and updated Employee Accounts Receivable.
• Performed monthly closeout for inter-plant and Purchase for Resale accounts.
• Developed annual budget and long-term projections for capital and depreciation.
• Ensured proper backup of all accounts payable and payroll systems.

Manning and Associates
1983 - 1987
Material Control
• Collaborated to establish and set up 2 new warehouses.
• Updated and maintained computerized inventory records.
• Oversaw and expedited order processing.
• Ensured shipping requirements and proper administrative processes were completed.
• Accurately prepared bills of ladings and export paperwork.
• Teamed with programmers to expand inventory system, testing new implementation for accuracy and efficiency.

CERTIFICATIONS

JD Edwards Professional Certification
Product Cost and Manufacturing Accounting
Inventory Management

ASSOCIATIONS

APICS

COMPUTER SKILLS

• Proficient in MS Office with Visio, Quicken, QuickBooks

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Devin Saunders
604 Harmony Lane
Pleasantville, CA 94588
(925) 555-1234

SUMMARY

Finance Professional with 17 years experience in budget, cost and accounting analysis, reporting, and strategic planning in corporate positions. Expertise in strengthening internal controls to improve forecasting, investments, financial reporting, cost accounting, and overall performance of billion dollar operations. Articulate written and oral communicator who leads by modeling quality performance and enthusiasm. Trained and experienced with MS Word, Excel and Access.

Expertise:
• Budget Models • Forecasting
• Capital, Fixed and Variable Budgets • Budget/Forecast Variances
• Capital Expenditures/Requests • Expenditure Projections
• Financial Data/Graph Analysis • Lease Tracking
• Work Comp Tracking • Staff Models, Policies & Programs
• Maintenance Contracts • Credit Card and Bank Fee Budgets/Spending

CAREER HIGHLIGHTS

Jaybird Corporation, St. Paul, MN
1985 - Present
Selected Leadership and Successes

• Participated as team member researching fiscal soundness of company's outsourcing of Order/Payment Processing data entry to Mexico to save labor expenses. Data showed that increased costs due to poor-quality work (increased return staffing/processing and postage expenses) exceeded labor savings from outsourcing. Senior management brought data entry back in-house, saving +$1 million.
• Managed the Order Processing Postage budget of $1.8 million.
• Led team that created an Attendance Policy for office operations/staff. New policy fostered flexibility in scheduling, and remains in place.
• Designed and implemented Excel-based staffing models, balancing cost efficiency with adequate ratio.
• Coordinated the Employee Recognition program, fostering staff empowerment and value.
• Coordinated and led ongoing in-house classroom training for 5-10 data entry operators on Order and Payment Processing protocol, policies and standards. Continued to access and document individual performances.
• Exceeded corporate standards (120% over 70%) for personal data entry performance.

Jaybird Corporation, St. Paul, MN
1997 - Present
Cost Administration Analyst: Office Operations
Manage budget/accounting/cost aspects of order and payment processing departments, and supervise administrative support staff. Oversee budgets, forecasting, and all data analysis related to costs and accounting. Maintain communication with the executive management team on all relevant fiscal information.

Jaybird Corporation, St. Paul, MN
1990 - 1997
Supervisor: Order & Payment Processing: Order & Payment Processing

Jaybird Corporation, St. Paul, MN
1985 - 1990
Training Coordinator/ Data Entry Operator: Order & Payment Processing

EDUCATION

UNIVERSITY, St. Paul, MN
1989
Bachelor of Arts, Finance
Investment Club leadership roles:
• Public Relations Representative: Promoted club through marketing and public speaking. Recruited members. Fundraising: Coordinated funding activities. Investments: Researched investment opportunities.

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Dale Wong
604 Harmony Lane
Pleasantville, CA 94588
(925) 555-1234

QUALIFICATION PROFILE

· Accomplished Banking Professional with experience in cash management, financial analysis, financial reporting, marketing, and business administration.
· Instrumental in increasing customer retention and customer satisfaction levels within highly competitive markets.
· Streamlining banking processes and increasing productivity levels.
· Proven success formulating and presenting research projects to the Board of Directors.
· Led business development and market share expansion efforts within multimillion-dollar financial institutions.

PROFESSIONAL BACKGROUND

First Community Bank
2001-Present
CREDIT ANALYST
2002-Present
Managed all aspects of credit analysis on a daily basis. Interacted with loan officers concerning client financial ability. Handled research initiatives in business development, strategic planning, and marketing.
· Played a key role in analyzing financial statements, tax returns, and credit reports for clients.
· Provided exceptional level of support concerning banking initiatives, which enabled management to make sound business decisions.
· Developed and reviewed financial reports for management.

TELLER
2001-2002
Participated in banking activities involving deposits, withdrawals, and collections. Assisted Vice President and Teller Supervisor in daily job responsibilities. Handled customer service initiatives.
· Gained experience in diverse areas of loan management and loan processing.
· Contributed to the increase of customer retention levels within saturated markets.

Convenient Check Cashing
2000-2001
ASSISTANT MANAGER
Collaborated on the management of daily operations. Controlled check cashing, deposit, money order, and loan processing responsibilities.
· Provided high level of customer service to all customers, which resulted in increased customer satisfaction levels.

NavyArmy Credit Union
1999-2000
TELLER
Communicated with credit union customers regularly. Provided high level of customer service for all banking transactions. Supported clients in all banking transactions. Balanced cash drawers on a daily basis. Researched and resolved banking issues in a timely manner.
· Streamlined daily banking processes and increased operational efficiency levels.
· Played an integral role in managing business administration functions including drafting documents, fielding customer phone calls, and filing banking documents.

First Commerce Bank
1998-1999
TELLER
Processed deposits and cashed checks for diverse clientele. Researched and resolved account discrepancies. Augmented customer account information as needed. Assisted in all clerical responsibilities within the bank.
· Managed business administration and banking functions successfully.
· Contributed to increases in customer satisfaction levels through customer service excellence.

EDUCATION

Bachelor of Business Administration, Finance (1998)
Texas A&M University – Corpus Christi, TX

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Casey Catello
604 Harmony Lane
Pleasantville, CA 94588
(925) 555-1234

QUALIFICATION PROFILE

· Seasoned professional with expertise in risk management, credit analysis, credit management, financial management, investment management, strategic planning, and tax planning.
· Comprehensive background in all areas of quantitative and qualitative analysis.
· Skilled in identifying and reducing areas of risk exposure.
· Experienced with risk assessment including domestic and international transactions, sales, distribution, financing, and investments.
· Proven ability to maximize revenue potential through exceptional portfolio management abilities.
· Cultivating relationships with high net worth clients.

PROFESSIONAL EXPERIENCE

Nichimen America Inc., New York, NY
1989-Present
Credit Analyst
Perform credit analysis at the North American headquarters for this leading Japanese general trading company. Analyze the risks and credit worthiness of accounts with moderate to high exposure. Recommend specific terms and conditions assigning dollar credit limits and risk ratings. Evaluate and report to senior management special issues related to account risk, industry risk, and country risk. Interface with the sales departments to provide value added information for the accomplishment of their business goals. Follow delinquent accounts and implement the appropriate steps for collection. Arrange Uniform Commercial Code filings for secured transactions. Negotiated with credit-rating organizations to improve company’s credit ratings.
· Appointed as Corporate Customs Compliance Coordinator to coordinate strategy and preparation of internal documentation with outside legal counsel for U.S. Customs compliance.
· Prepared balance sheet and income statement analysis, ratio trend analysis, business and industry risk analysis, management assessment, and cash flow analysis.
· Monitored on-going credit worthiness of established credit limits and advise actions to reduce risk for marginal accounts.

Dun & Bradstreet Corporation, New York, NY
1981-1989
Credit Manager
Formulated and discussed with clients personal credit opinions on accounts involving significant dollar amounts. Assessed companies through ratio, trend and payment analysis. Compiled and updated information in the Credit Clearing House database. Acted as liaison between the sales department and the client.
· Represented the company at trade meetings to discuss problem accounts and provided recommendations.
· Assigned and communicated credit recommendations and ratings.

EDUCATION

Bachelor of Science, Economics, Minor in Marketing
City University of New York at Staten Island

PROFESSIONAL ASSOCIATIONS

National Metal Importers Credit Group

Kristen Coria - ResumesAP@aol.com - http://www.careerparadigms.com

Robin Saunders
604 Harmony Lane
Pleasantville, CA 94588
(925) 555-1234

SUMMARY

Over 12 years of experience in banking and finance. Dependable and conscientious recent MBA graduate who is attentive to detail and produces quality work. Ambitious team player who enjoyed increasing responsibility levels during NationsBank/Huntington Bank career.

Aggressively sought MBA degree by attending program full time. Special concentration in Management and Quality tracks. Previous entrepreneurial experience as 6 year owner and business manager of small business. Ready and eager to assume management training duties in Finance Department.

SKILLS AND ACCOMPLISHMENTS

Analytical and Detail-oriented
• Conducted analytical procedures on financial data, spread financial data and tax returns, and calculated financial ratios to determine compliance
• Researched media sources such as Wall Street Journal to gather external data on large corporate borrowers

Cash Management
• Provided service and help for 50 Cash Management Program accounts pertaining to setup, wire transfers, disbursement of funds to accounts

Customer Service
• Resolved 10-15 customer problems per day due to changing corporate customer requirements and product limitations

Trustworthy
• Created brand new position as Credit Associate to provide continuity and attention to detail in monitoring loans >$500,000

Credit Policies
• Prepared Credit Review Committee meeting minutes and compiled essential reports for senior management

Reports
• Significantly refined, improved, and regimented reports used by loan officers and senior management to determine when borrowers were out of compliance

Accounting
• Completed Accounting I and Principles of Banking through American Institute of Banking (AIB)
• Mastered Financial Accounting for Managers, Management Accounting and Control (Cost Accounting), Financial Management, and Investments during MBA program

New Accounts
• Wrote procedures, communicated, and corresponded with new statewide accounts to set up customized account profiles and requirements

Team Approach
• Developed franchise business plan with MBA program teammates. Led marketing segment of plan, identifying market need, completing segment analysis, and preparing report for actual client

Budget & Financial Statements
• Grew small business to profitable status and managed operations as Business Manager. Developed annual budget, administered payroll, administered banking, coordinated mailing, did purchasing, and developed advertising and public relations strategies

Management
• Hired, trained, and managed 4 employees in addition to teaching 20 one-hour classes per week
• Managed all aspects of annual and quarterly art shows: secured facility, sold advertising, contracted with artists, and created program

Presentations
• Earned designation as Competent Toastmaster (CTM) after creating and delivering a number of successful oral presentations

Office Management
• Coordinated physical move of entire banking department with minimal downtime: directed movers and utilities, developed floor plan and requirements, and notified employees about plans and progress

Decision Making
• Thoroughly interpreted and made recommendations regarding financial position of borrowers

Total Quality Management (TQM)
• Completed special concentration TQM track as part of MBA, including Foundations of TQM, Quality Implementation, Operations Management and Quality Enhancement, and Advanced Quality Management

Leadership
• Voted "Educational Vice President" of Barnett Toastmasters due to strong organizational skills and trustworthiness

Problem Solving
• Created system for loan officers to monitor financial loan covenants through design and implementation of standard compliance reports

Computer Literate
• Competent in Microsoft Word and Excel 97, Lotus 1-2-3, Ami Pro, WinFast, WordPerfect. Familiar with Paradox and Word Pro

PERFORMANCE REVIEW EXCERPTS

Very meticulous
Meets deadlines
Makes sound decisions
Maintains excellent documentation
Easily met the targets
Reports are readable and to the point
Proactive in obtaining what is needed
Able to serve as a resource to credit analysts
Very high standards regarding the accuracy of work
Does a good job recognizing unclear requirements and obtaining clarification
Demonstrated increased confidence in completing assignments that are not always "routine"

PROFESSIONAL EXPERIENCE

HUNTINGTON BANK (formerly NationsBank), TAMPA, FLORIDA
1984 - 2000
Credit Reporting Analyst, Credit Policy Administration

2000
Credit Reporting Analyst, Credit Policy Administration

1989 - 1999
Account Coordinator, Corporate Cash Management

1987 - 1989
Administrative Assistant to Senior Vice President and Branch Manager

MAJESTIC ART GALLERY, BRANDON, FLORIDA
1980 - 1986
Founder, Co-owner and Business Manager

EDUCATION

UNIVERSITY OF TAMPA, TAMPA, FLORIDA
M.B.A.

UNIVERSITY OF SOUTH FLORIDA, TAMPA, FLORIDA
B.A.

CONNECTICUT COLLEGE, NEW LONDON, CONNECTICUT
2 YEARS

SPRINGFIELD HIGH SCHOOL, SPRINGFIELD, DELAWARE
HIGH SCHOOL

PRWRA Gail Frank - Frankly Speaking - Tampa, FL 33626 - http://www.callfranklyspeaking.com - gailfrank@post.harvard.edu - (813) 926-1353 - (813) 926-1092 fax

Renee McEnvoy
604 Harmony Lane
Pleasantville, CA 94588
(925) 555-1234

QUALIFICATIONS PROFILE

Top-Performing senior executive with 14 years' experience in property operations and management for residential development and investment/development property markets. Delivered $800 million in revenue/profit growth through innovative hands-on operating leadership and high-profile property management. In-depth knowledge and experience in business planning, management, and implementation, contributing significantly to bottom-line efficiency and profitability. Possesses broad-based management skills, with strong planning, communication, organizational, team building, and decision-making skills.

• Due Diligence • Lease Negotiations
• Asset Management • Team Building/Leadership
• Project Development • Client Relationship Building
• Profit & Loss Management • Judgement/Problem Solving
• Purchasing Scope Definition • Anticipating Economic Climates
• Budget Planning & Forecasting • Diverse Market/Industry Knowledge

KEY ACHIEVEMENTS

• Established Hunter Street Investments (HSI) direct property development / investment portfolio throughout New York worth over $600 million.
• Key driver in development of an organization-wide strategic planning and visionary process. Focused investment business on being a capital player and residential developers of apartments and residential land markets.
• Leadership of more than $800 million in property projects, with complete development and management responsibility for over 40 projects. Currently includes $400 million in investment property and $200 million in development projects.
• Instrumental in instigating strategic directional papers for current and future development / investment portfolios, enabling HSI to expand internationally into Australia, Germany, and United Kingdom.
• Spearheaded strategic process improvements to expand portfolio, successfully increasing HSI's revenue/profit to $600 million.
• Outstanding mentor and coach; leading teams to identify new opportunities as well as contracting/developing residential, industrial and commercial properties across New York worth over $600 million.
• Established strategic business relationships with brokers and agents for early access to potential investment sites, expanding new and existing business opportunities.

PROFESSIONAL EXPERIENCE

Hunter Street Investments (HSI), New York, NY
1991 - Present

2001 - Present
Director
Provides vision and tactical leadership for New York's largest private property investor while managing a staff of over 20. Manages all stages of property development process; P&L management; financial and operational management; directs and oversees property acquisitions; project management; directs half yearly valuations to track development/capital/income growth; researches property trends; develops property investment and development objectives; oversees asset management of investment properties; and business relationship building.
• Exceeded company benchmarks for Return on Investment (ROI) through the implementation of market factor influences and strong property management techniques.
• Led and negotiated all contract negotiations for property development/investment opportunities throughout New York, including securing under due diligence provisions allowing company to purchase development/investment properties.
• Expanded HSI's portfolio nationally and internationally through the design of direct/indirect property portfolios and development investment strategies.
• Increased staff morale and performance through the implementation of an employer bonus incentive scheme delivering profits to employees.
• Provides strong organizational leadership and active participation in business development by offering tactical direction to enhance business plans. Recommends and coordinates the purchase and sale of development/investment properties to optimize profit.
• Led and negotiated strategic business alliances with Banks to finance HSI's development/investment portfolio, further expanding market reach.
• Redesigned and streamlined company infrastructure by relocating staff nationally in New Jersey, capitalizing on human resource, operational, and financial competencies in line with company objectives.

1995 - 2001
Manager of Acquisitions
Negotiated the acquisition of $800 million in development and investment properties as part of HSI's objectives.
• Effectively documented business processes and procedures, identifying issues that may represent risk to the business or its clients and providing asset management solutions where necessary.

1991 - 1994
Property Analyst
Identified expansion and market opportunities through successfully researching property trends.

Girmond & Associates, New York, NY
1989 - 1991
Valuer
• Independently performed valuations and market research on vacant land, development sites, and residential properties throughout New York.
• Implemented strong client focus and communication processes, continually building long-term relationships and cementing existing relationships.

EDUCATION & PROFESSIONAL CERTIFICATIONS

University of New York, New York
2003
Graduate Diploma Property Investment & Finance

University of New York, New York
1991
Bachelor of Business - Valuation & Land Economy

New York Property Institute, New York
1992
Land Economist

Professional Licence: Real Estate & Business Agents Licence

SPEAKING ENGAGEMENTS & ARTICLES

Speaking Engagements
Property Council of New York, "Owner - Manager Relation: Best Practice", 2004
Property Council of New York, "Property Investment Trends for 2003", 2004

Newspaper Articles
Property Council of New York, "Personal Style - David Joneson", 2002
The New York, "Softer Trend Seen for City Properties", 2004

PROFESSIONAL AFFILIATIONS

New York Property Institute
Property Council of New York
Securities Institute of New York
Urban Development Institute of New York
Real Estate Institute of New York (REINY)

PRWRA Jennifer Rushton - vbss@keraijen.com.au

Devin Saunders
604 Harmony Lane
Pleasantville, CA 94588
(925) 555-1234

HIGHLIGHTS

Quantitatively-inclined potential economics honors graduate with good speaking and multi-tasking skills. Developed analytical and strategic thinking skills through playing chess. Supported own expenses during university through part-time employment with two organizations. Working knowledge of Microsoft Word, Excel and Eviews.
Courses taken include:

· Linear Algebra
· Ordinary Differential Equations
· Mathematical Economics
· Basic Calculus
· Graph Theory
· Labor Economics
· Advanced Calculus I and II
· Microeconomics I, II and III
· Industrial Organization
· Set Theory
· Macroeconomics I, II and III
· International Economics
· Linear Programming
· Econometrics I
· Income Distribution Analysis

EDUCATION

National University of Singapore
Bachelor of Social Sciences Honors, 2nd Class
May 2004 (Expected)
Major: Economics
Thesis topic: Entrepreneurship and Firm Size

Bachelor of Science
May 2003
Focus: Economics and Mathematics

EXPERIENCE

National Library Board
2002
Cyber-Guide
As cyber-guide, persuaded people to sign up for new library service (elibraryhub). Checked and recorded details of new customers, distributed flyers and explained details of new service to customers. Sent to six branches of National Library in one month to set up booths to get new customer signings.
· Out of seven part-time cyber-guides, achieved highest number (>1000) of new customer signings for new service during 3-day Sitex Exhibition at Expo, attended by at least 10,000 people.
· Praised by customer for quality of service by being able to multi-task efficiently.
· Took initiative to set up booths and conduct checks on equipment before work began.

Singapore Nursing Board
2001
Corporate Support Officer
Processed application forms and entered registration data of all nurses onto Excel spreadsheet. Did filing and collected payment from nurses.
· Gave special attention to customers by personally laminating their nursing identity cards.
· Invited to continue part-time work on weekends for four more months (July-Nov 2001) due to good work performance.

ACTIVITIES

· Member, Strategy Club, St. Andrew's Junior College
· Member, Chess Club, Gan Eng Seng School

AWARDS

· Received Edusave Award in 1994 and 1996 due to academic excellence.

Teo Boon Sin - boonsin@topnotchresumes.com.sg - http://www.topnotchresumes.com.sg

Renee McEvoy
604 Harmony Lane
Pleasantville, CA 94588
(925) 555-1234

FISCAL/PLANNING & BUDGETARY MANAGEMENT PROFESSIONAL
Leadership~Quality Improvement~Human Resources~Facilities Management

PROFILE

Finance and Operations Manager with proven success in cost reduction, program management, financial reporting and audit preparation. Excels in capturing dramatic cost savings to positively impact the bottom line. Recognized by executive staff as a dependable leader with exceptional problem-solving skills, expertise in maximizing resources and the ability to motivate and encourage others. Knowledge of employee development techniques and processes.

Key areas of competency:

Corporate Auditing
Asset Management
Policy Development
Funds Disbursement
Continuous Quality Improvement
Budgeting
Cost-Benefit Analysis
Financial Reporting
Human Resources

EDUCATION

Appalachian State University, Boone, NC
BACHELOR OF SCIENCE IN ACCOUNTING, May 2000

CPA preparation: Successfully completed all coursework and CPA training requirements; will be taking examination in the near future.

ACCOUNTING/COMPUTER SOFTWARE SKILLS

Windows 95/98/2000/XP, Mac OS 7.5-9.0, Microsoft Office Suite, Peachtree, Pro-Systems & Go-Systems Tax, CCH online, Fixed Asset Depreciation, and Maple mathematical

CAREER HISTORY

FINANCE & OPERATIONS MANAGER
2002 - present
Georgia Avenue/Rock Creek East Family Support Collaborative, Washington, DC
Recruited to develop and implement comprehensive system of fiscal management, financial accountability, and informative management reporting for social services-related agency with $1 million annual operating budget. Supervise maintenance of fiscal management system; evaluate strengths and weaknesses.
Oversee all cash management, accounting procedures and program administration, including accounts payable, payroll, budgeting, and personnel development. Maintain timely, ongoing communication with Executive Director and Board on policy-related issues, fiscal progress and general administration of organization.
· Implemented written policy procedures and measures to create and increase accounting efficiency and accuracy.
· Developed stringent cash disbursement policies, which saved the company over $15,000 in erroneous vendor claims.
· Created extensive audit trail and tracking system; directed company’s first complete federal audit (OMB A 133).
· Played instrumental role in guiding organization through the 501(c) 3 application process.
· Cultivated vendor relationships and negotiated new contracts, which led to 40% volume discounts on office supplies.
· Conducted expense analysis of healthcare insurance benefits, which resulted in annual cost savings of 50%.

Income Tax Preparer
2001–2002
Instant Tax Service, Washington, DC
Served as tax preparer and advisor for retail income tax preparation company. Developed tax returns and related disclosure materials for clients. Researched tax questions and cross-sold other tax services.
· Counseled clients in tax return preparation, electronic filing and refund options.
· Reduced clients’ state and federal tax liabilities by conducting thorough computerized interviews.
· Reviewed and verified prior year tax returns and verified tax returns for thoroughness and accuracy.

Accounting/Invoice Clerk
2000–2001
Charleston Forge Furniture, Boone, NC
Ensured accuracy and timeliness of invoices for fine furniture manufacturer with nationwide delivery options.
· Generated monthly invoices for demanding delivery department.

Accounting Intern
Spring 2000
Dixon Odom, Greensboro, NC
Selected as an Intern for largest certified public accounting firm in Southeast region with $95 million and presence in 24 cities. Company specializes in accounting, audit, tax and consulting services.
· Analyzed financial statements and prepared corporate, estate, partnership, and individual tax returns.
· Actively engaged in company audits; audits included substantive testing of fixed assets, accounts payable, accounts receivable, and other major expense categories.
· Conducted research of IRS tax laws and codes.

OTHER EXPERIENCE

1992–1999
Held several management positions in the retail, restaurant and hospitality industry. Gained exceptional knowledge in employee development and supervision, customer service and sales training, and inventory and cash management.

Abby Locke - info@premierwriting.com - http://www.premierwriting.com

Drew Sterling
604 Harmony Lane
Pleasantville, CA 94588
(925) 555-1234

FINANCE MANAGER • DIVISIONAL ACCOUNTANT • ACCOUNTANT

Astute finance professional expert at driving prudent revenue growth, and offering counsel to key decision makers. Proven track record in understanding new technologies, focusing on continuous improvement, and reengineering business processes. Dedicated to translating company values into practical every-day operations and preserving strong business alliances with clients and vendors.

Professional strengths include:
Ÿ Secured Debt Analysis
Ÿ Team Supervision
Ÿ Profit & Loss Analysis
Ÿ Debtor Negotiations
Ÿ FOREX Reporting
Ÿ Operating Budgets
Ÿ Variance Analysis
Ÿ Problem Identification/Resolution
Ÿ Internal/External Audits
Ÿ Financial Reporting
Ÿ Yield Management
Ÿ Staff Training

SELECTED ACCOMPLISHMENTS

· Cut monetary losses stemming from currency fluctuations that saw the company buying and invoicing products in separate currencies. Introduced concept of quoting/invoicing in the same currency to avoid risk exposure to foreign exchange variations.
· Introduced the concept of secured debt percentage and produced easy-to-understand spreadsheet/reporting system that provided management with information on secured debt.
· Slashed processing times by 67% and dramatically reduced operator workloads by implementing computerized automation process for producing fortnightly sales reports.
· Convincingly argued for the adoption of yield management principals in generating income and increasing incentives. Emphasized the concept, realized immediate increases in the sales of high-income-generating carriers, and substantially raised incentives.
Ÿ Identified interdepartmental communication deficiencies, and reengineered process to improve information flows between sales force and financial departments.

EDUCATION & TRAINING

Diploma in Oracle Programming
Boston’s Computer Institute, India (1997)
Bachelor of Accounting (Commerce)
University of Bombay, India (1989)
Other training includes: Key Account Management, and Accelerated Program
(Maritime Mercantile International), and Process Reengineering (Inchcape Middle East)

EMPLOYMENT SNAPSHOT

ABU DHABI MARITIME & MERCANTILE INTERNATIONAL
2002–Present
Finance Manager, Engineering Division

GRAY MACKENZIE & PARTNERS, United Arab Emirates
1997–2002
Finance Manager, Travel Division
1998–2002
Divisional Accountant, Liquor Division
1997–1998

TAMIMI COMMERCIAL DIVISION, Saudi Arabia
1995–1996
Accountant

SIMA ADVANCED TECHNOLOGIES, Saudi Arabia
1993–1995
Accountant

WEST COAST TRADERS, India
1992–1993
Accounts Assistant

TRACTOR ENGINEERING COMPANY, India
1990–1991
Accounts Assistant

EXPERIENCE – IN DEPTH

ABU DHABI MARITIME & MERCANTILE INTERNATIONAL
2002–Present
Finance Manager, Engineering Division
Successes within the company’s travel division prompted appointment to the engineering division; an area in need of assistance to lower debt, reduce backlogs, resolve foreign exchange issues, and improve information flows with other divisions.
Key contributions:
· Reversed inadequate recording of supplier claims and non-defined timeframes that had led to extended payment times and ill-timed foreign currency payments. Devised a regular suppliers-contact schedule, set deadlines for statement and invoice receipts delivery, and investigated archived invoices to settle long-term supplier disputes.
· Launched a series of formal meetings with sales department members to counteract the decline in information flows prompted through an “us and them” mindset. Meetings reviewed sales performances via an agency performance analysis report that illustrated successes and highlighted areas in need of improvement and discussion.
· Championed a new system of work priorities that placed emphasis on the immediate and error-free reconciliation of invoices and expenses. Idea quickly eliminated reconciliation backlogs, leading to quicker identification of errors.
· Cut monetary losses stemming from currency fluctuations that saw the company buying and invoicing products in different currencies. Introduced concept of quoting and invoicing in the same currency to avoid the risk of significant exchange variances.
· Introduced the concept of secured debt percentage and produced easy-to-understand spreadsheet/reporting system that provided management with information on secured debt, and cut incidences of unnecessary open credit.

GRAY MACKENZIE & PARTNERS, United Arab Emirates
1997–2002
Finance Manager, Travel Division
1998–2002
Spearheaded a series of productivity and process improvements after thorough analysis of the travel division's operations contributing 20% of company's $US32M turnover.
Identified top issues impeding workflows and staff productivity, and successfully achieved staff and management acceptance for change-management initiatives.
Key contributions:
· Established a highly productive and motivated team through responsible task delegation, ongoing encouragement, and active collaboration between staff and management during quarterly performance appraisals.
· Maximized interdepartmental relationships, restoring communication lines, and forging solid partnerships between sales force, accounts staff and senior management.
· Successfully coordinated external and internal audits, completing all projects on time, in total compliance with government standards.
· Streamlined preparation, compilation and reporting procedures for fortnightly sales report to the Airlines, dramatically boosting turnaround times.
· Stressed the importance of yield management when analyzing major carrier sales.
· Reduced 'days outstanding' for all doubtful debts. Mediated/negotiated special payment terms, restored customer confidence, and preserved strong alliances.

Divisional Accountant, Liquor Division
1997–1998
Reported to: Finance Manager. Leading distributor of alcoholic beverages in Abu Dhabi. Rank No. 1 in Abu Dhabi servicing 80 on-trade outlets; 3 solely owned outlets for retail.
· Presided over entire accounts payable functions – invoices, reconciliations, payments and vendor relations.
· Managed accounts receivable processes including payments, review, analysis and follow-up.
· Forecasted FOREX requirement
· Reconciled inter-associate accounts for the group company
· Supported the Finance Manager with end of month routines, stock reconciliations, commission calculations and payment, and MIS reports.

PRIOR ENGAGEMENTS
TAMIMI COMMERCIAL DIVISION, Saudi Arabia
1995–1996
Accountant

SIMA ADVANCED TECHNOLOGIES, Saudi Arabia
1993–1995
Accountant

WEST COAST TRADERS, India
1992–1993
Accounts Assistant

TRACTOR ENGINEERING COMPANY, India
1990–1991
Accounts Assistant

TECHNOLOGY SKILL SET

Applications: Excel, Word, PowerPoint, Outlook, Access
Accounting: BOSS 3 Airline Accounting, Sage/C2000 Financial Accounting, Platinum
Accounting package: Internet and email
PRWRA
Gayle M. Howard -getinterviews@topmargin.com - Top Margin - http://www.topmargin.com

Jordan Winters
604 Harmony Lane
Pleasantville, CA 94588
(925) 555-1234

FINANCIAL ACCOUNTANT • MANAGEMENT ACCOUNTANT
Professional Member, National Institute of Accountants

Seasoned financial and management accountant acknowledged for sound decision-making talents borne of intense analysis, business acuity, ongoing education, and big picture vision. Strategic, methodical and reliable; enjoy the challenge of resolving long-term issues eluding prior incumbents, and influencing revenue positive outcomes. Enthusiastic and accountable leader and independent worker. Recognized for calm demeanor in mediating conflict, and tireless pursuit of delivering consensus amongst stakeholders with diverse agendas. Enjoy opportunities to think “outside the square” deriving new solutions to old problems through strategic information gathering, data collection, and comprehensive scrutiny. Persuasive and concise communicator; expert in modifying complex technical information for multiple audiences, and coaching subordinates for greater productivity and understanding.

Professional strengths include:
• Financial Accounting
• Business Plan Development
• Budget Administration
• Resource Allocations
• Business Consultancy
• FBT & Financial Reporting
• GST & BAS Returns
• Variance Analysis
• Trust Account Administration
• Client Relationship Management
• HR Management & Training
• Job Costing
• Feasibility Analysis
• Property Asset Management
• Profit & Loss Analysis
• Cost Avoidance
• Financial & Investment Analysis
• Strategic Planning
• Efficiency Improvements
• Revenue Enhancements

Technology: Excel, Lotus 1-2-3, Access, Word, Navision, BusinessCraft, and Property Asset Management system

EDUCATION

Graduate Certificate in Professional Accounting, University of Southern Queensland (2001)
Associate Diploma of Business (Accounting), Chisholm TAFE College (1995)

EMPLOYMENT CHRONOLOGY

ORBIT HOMES AUST PTY LTD
2003 to Present
Financial Accountant
Confronted upon commencement with a department impacted negatively through historically inefficient work practices, lack of training and follow-up, and customized industry-specific software unable to produce the caliber of financial reports critical for management to forecast continued business health.
· Conceived, launched, and solidified changes to the company’s existing job costing reporting model to refine profit recognition for each construction project. Independently researched and learned the BusinessCraft job costing module, and embarked on a time-intensive manual check of 800 projects—scrutinizing revenues, expenditures, and generated margins.
· Overcame existing system deficiencies in cash flow forecasting by developing a tool for management to capture accurate information on cash holdings that would aid future decision-making. Designed Excel spreadsheet that integrated with the legacy BusinessCraft system, identifying negative cash flow scenarios, income and expenditure details, closing bank balances, and borrowings.
· Corrected adhoc “system” that continually failed to produce monthly CEO financial reports to deadline. Devised and rigorously enforced compliance to new timelines, articulating the criticality of bank compliance commitments. All reports now consistently meet targets internally, with external stakeholders receiving monthly and quarterly reports that meticulously conform to policy.
· Uncovered and corrected erroneously allocated assets causing understated depreciation figures.
· Eliminated backlog of depreciation adjustments for 2002/2003 financial year, substituting actual depreciation entries in favor of end-of-year corrections. New system provides greater accuracy in financial statements for at-a-glance management review.
· Created easy-to-read, streamlined financial document for use by banks, company management, insurance companies, and other external stakeholders. Extracted raw data from the BusinessCraft software and embedded into personally designed template-driven Excel spreadsheets.
· Assumed complete management of a $2.4M annual supplier account averaging 260 separate invoices monthly. Exposed processing errors and ensured complete accuracy for on-time billing.
· Modified existing budget spreadsheets producing newly revised cash flows for 4-month period aiding management decision-making in land acquisitions and cash flow feasibility.
· Identified balance sheet discrepancies with potential to distort assets and liability records by understating key staff uniform accounts. Probed and reconciled data and processed corrections.
· Painstakingly recorded all cash receipts and payments over 9-months, and produced a complete set of financial reports including reconciliations, P/L statement, balance sheet, and cash flow statement for FCA (Finance Concepts Australia) the company’s finance broking arm.
· Selected by Financial Controller to complete 2001/2002 financial reports for the company directors’ two superannuation funds.

BP AUSTRALIA
2001 to 2003
Franchise Accountant, Elite Customer Solutions (a BP Australia subsidiary)
Appointed to a permanent role 6 months into a 12-month contract, with a brief to elicit franchise owner compliance towards all recordkeeping and procedural issues across 30 individual sites. With reporting processes complicated by the antiquated VAX computerized system, quickly assimilated to the challenges of financial reporting and reconciliations, and later transitioned seamlessly to the vastly improved new system Navision, post implementation.
Examined and analyzed franchisees’ income and expenditures to provide each business owner with a subjective third party view that offered tangible feedback on financial business performances, and uncovered trends impacting continued financial viability.
Contributions & Results:
· Identified stock discrepancy in a franchisee’s P&L report that had distorted balance sheet statistics, and impeded the progress of the company’s taxation return. Conducted exhaustive analysis of profit and loss data, exposed inventory issue, and produced revised reports for external accountancy firm, circumventing potentially damaging complaint to management set to reveal inadequacies of previous franchise accountants, the computerized system, and lack of documentation and financial controls.
· Dramatically reduced potential for error by instigating a software enhancement reminding franchise accountants that management approval was required on journal entries over $100K. Initiative strengthened internal control reporting infrastructure and eliminated regular lapses of franchise accountants seeking management approvals.
· Conceived and developed a funds statement model via spreadsheet that monitored inbound and outbound funds and offered the financial clarity critical for a franchisee of 12 sites to identify data irregularities impacting cash flows, and improve the quality of decision-making.
· Facilitated the net asset settlement of 12 franchises to BP in just 5 months—the first multi-site closure and transfer of assets in the company’s franchise history. Coordinated recording and processing of 300 outstanding invoices, staff wages, merchandise, and rent, and developed an Excel spreadsheet to monitor all inbound/outbound funds, meeting strict deadlines.
· Conducted on-the-job bank reconciliation training to new recruits using the VAX accounting system. Increased staff knowledge reduced the reliance on senior personnel to provide routine assistance, and boosted across-the-board departmental efficiencies.
· Reversed ad hoc approach to physical stock takes, recommending a perpetual system that tackled the mounting incidences of stock errors.
· Reinforced the importance of franchisee compliance towards achieving expected gross profit margins for merchandise sales. Analyzed 30 separate sites and liaised with site managers to resolve variances.

AGENCY ASSIGNMENTS
2001
Assistant Accountant, PLAN International • Assistant Accountant, Police Association Credit Cooperative Ltd • Assistant Accountant, Smart Aluminum
Short-term engagements preparing year-end statutory reports, reconciling payroll, GST and business accounts, raising financial reports, creating spreadsheets, and analyzing investments.

JONES LANG LASALLE
1996 to 2001
Manager, Client Financial Services (2000-2001)
Promoted from Property Accountant to Manager, Client Financial Services on recommendation of departing incumbent. Led team of 8 to achieve deadline-dependent financial reporting tasks and daily administrative matters, and played an instrumental role in reinforcing compliance to sound accounting principles and real estate trust regulations for the annual departmental audit judged to be efficiently executing its obligations.
Selected contributions:
· Eliminated backlog of 100 properties within the Waverley portfolio with incomplete budgeted and expenditure forecasts, stemming from missed deadlines. Arrested tenant and property owner conflict, minimized time delays, and alleviated management concerns, by shouldering much of the burden for producing expenditure forecasts, and analyzing profit potential for long-term decision-making.
· Won outstanding performance reviews via 360-degree feedback from staff citing high leadership competencies as the key instigator to improved morale and productivity.
· Delivered $5,000 saving by preparing settlement statement for vendor in property disposal.
· Relieved the burden of routine processing tasks imposed on senior staff. Won approval to recruit an additional administrative team member to handle time intensive, everyday procedures.

Property Accountant (1996-2000)
Developed monthly financial reports and budgets for a portfolio of 40 commercial and industrial properties generating $19+ million annually, as well as 5 “A” grade properties owned by international/corporate entities, contributing $5-10 million annually. Prepared profit and loss statements and balance sheets, reconciled budgets against actual expenditures for each property, devised cash flow budgets, prepared GST/BAS returns, and briefed auditors.
· Delivered estimated $20,000 in savings annually by educating property managers on the correct methodology for processing and approving electronic purchase orders and invoices on the newly enhanced PAMS (Property Asset Management System) software.

CITY OF GREATER DANDENONG
1987 to 1996
Finance & Budgets Officer (1993-1996)
Accounts Receivable Officer (1989-1990)
Accounts Payable Officer (1990-1993)
Rates/Administrative Officer (1987-1989)
· As Finance & Budgets Officer, prepared the $55 million annual budget including budget projections for servicing debt, administered a $25-30 million investment portfolio, and produced financial reports for 25 business units. Consulted business managers on improving financial management, containing costs, and preparing tenders. Executed computerized budget management system improving quality of financial reports and overall departmental efficiency.
· As Accounts Payable Officer, processed 500 creditor invoices monthly, maintained the assets register, built relationships with key creditors, and processed FBT returns.
· As Accounts Receivable Officer reduced days’ accounts outstanding through mediation and negotiation.

WESTPAC BANKING CORPORATION
1985 to 1987
Customer Service Officer
PRWRA
Gayle M. Howard -getinterviews@topmargin.com - Top Margin - http://www.topmargin.com

Marion McLeod
604 Harmony Lane
Pleasantville, CA 94588
(925) 555-1234

PROFESSIONAL HIGHLIGHTS

Finance and Real Estate
• Assessed profitability through analysis of financial statements and ratios.
• Performed waterfall and cash flow modeling of loans and real estate.
• Valued portfolios, loans and real estate using fundamental methods of finance.
• Monitored performance and projections for real estate assets.
• Reviewed mezzanine loan documents and preferred equity partnership agreements.
• Participated in underwriting $3 billion SBA loan portfolio.

Computing
• Created cash flow models, spreadsheets and databases using Microsoft Excel.
• Mastered Argus and Excel as projection tools.
• Utilized Microsoft PowerPoint and Microsoft Word applications for presentations and document creation.

Communication
• Coordinated 20-asset loan sale.
• Collaborated in organizing a mezzanine loan asset management platform.
• Served as secretary for a loan asset investment committee.
• Prepared business plan narratives and committee memoranda.
• Compiled research on the economic impact of stadiums on urban areas.
• Led in small and large group settings.

WORK EXPERIENCE

Baker Group, LP, Dallas, Texas
2000 - Present
Financial Analyst
• Supported a team of 4 managers through analysis of real estate and loan operations.
• Developing impromptu spreadsheets and models.
• Facilitated various monthly loan reporting packages.
• Monitored real estate operations and loan servicing activities.
• Projected real estate cash flows.
• Corresponded with borrowers, lenders and attorneys.

Industrial Financial Corporation, Dallas, Texas
1998 - 2000
Human Resources Intern
• Constructed and maintained various Excel databases
• Fielded employment verification requests
• Created memoranda for correspondence with employees.
• Corresponded daily with employees, insurance representatives, and 401(k) plan administrators.

Industrial Capital Corporation, Dallas, Texas
1997 - 1998
Due Diligence Intern
• Verified cash flow projections and calculations.
• Developed advanced financial analysis skills.
• Utilized Microsoft Access to update and maintain vital due diligence analytical data.
• Worked as needed to meet deadlines.

EDUCATION

Baylor University
B.A., Finance
Cumulative GPA 3.5/4.0; Major GPA 3.65/4.0
Graduation Date: May 2000

PRWRA Randy Waller - Randy_Waller@baylor.edu - Baylor University

Robin Saunders
604 Harmony Lane
Pleasantville, CA 94588
(925) 555-1234

SUMMARY

FINANCIAL CONSULTANT with 25 years of experience in Public Accounting. Demonstrated track record of consistently combining financial leadership with sound business practices to position companies for long-term growth and profitability. Reputation as a self-directed professional with excellent problem solving, communication, analytical, and management skills. Computer literate with proficiency in various financial systems and tax software programs.

MAJOR QUALIFICATIONS

• Partnership and Project Accounting • Corporate Development /Corporate Tax
• Strategic Planning and Analysis • Financial Forecasting and Projections
• Debt Financing and Project Financing • Asset Disposition and Asset Management
• Capital Budgets and Operating Budgets • Profit and Loss Analysis
• Liability and Cash Management • Financial Analysis and Controls
• Cost Avoidance and Cost Reduction • Accounts Payable/Accounts Receivable

CAREER EXPERIENCE

International CPA Group, Inc.
1975 - Present
• Consistently maintain a 90% productivity level (based on billing hours) while providing comprehensive management, financial, and tax planning advice to over 85 corporations, partnerships, and sole proprietorships with revenue sizes ranging from $20,000 to $20 million.

• Successful in developing market strategies and new business opportunities for profitable and financially distressed clientele in the construction, retail, and service industries. Ultimately strengthen growth and profitability (while minimizing tax burden) by monitoring financial statements and identifying problem areas.

• Streamline operational systems and processes; initiate the utilization of computer accounting software, such as Quick Books Pro, CCH Pro Tax Software System, BNA Fixed Assets. Implementation resulted in ability to expedite reporting functions, track accounting transactions for trend analysis, and maximize employee productivity and efficiency.

• Ranked #1 in sales production (among team of ten) for 10 consecutive years. Acquired the most accounts last year among the professional staff averaging $2,500 in fees for 12 new accounts. Proven track record of maintaining the lowest turnover ratio in the firm of less than 2% over the last 15 years.

• Continually ensure compliance with existing and newly formed tax laws. Competent in working with Start-Up companies in the public services and retail industries. Assist with proper document filings and implement systems to enhance business development.

• Work closely and effectively with 10 clients on Estate Planning (Family Limited Partnerships) and prepare 70 Federal tax returns (clean and complex) annually. Initiate and develop outstanding work relations with bank officials and management executives.

EDUCATION

B.S. - Business Administration, Accounting
Boston University, Boston, MA.

Continuing Professional Education CPA Certification - 40 hours annually

PROFESSIONAL ASSOCIATIONS

American Institute of CPAs
Pennsylvania Institute of CPAs

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Lee Robertson
604 Harmony Lane
Pleasantville, CA 94588
(925) 555-1234

QUALIFICATIONS PROFILE

Solution-focused, multi-faceted Senior Finance Executive demonstrating expertise building top-performing organizations consistently exceeding revenue and profit objectives within challenging, competitive and volatile markets. Outstanding accomplishments in business startup, turnaround, and financial/operational management across diverse industries, reinvigorating organizational infrastructure, inventory, technologies, processes and financial measurement systems. Delivered strong and sustainable revenue/income gains with equal expertise in capturing cost reductions through process redesign and performance management.

CORE COMPETENCIES

• Forecasting, Reporting & Analysis • Strategic Planning, Execution & Management
• Software/Hardware Analysis & Enhancement • Staff Management & Performance Building
• Revenue, Profit & Market Share Growth • Budgeting & Cash Flow Optimization
• Banking/Finance Liaison/Negotiation • Corporate Finance & Asset Management

PROFESSIONAL EXPERIENCE

AGR Systems, Edison, NJ
1999 - Present
Financial Controller
Multi-million dollar importer/manufacturer, supplying raw materials to niche market of small/medium-sized manufacturers within the surface coatings, ink & plastic batch manufacturing industry.

Challenged to turnaround company with limited growth potential due to mature product lines and existing markets through strategic evaluation, development and execution of operational-enhancing solutions and initiatives that captured dramatic improvement across inventory management, financial reporting, cash flow and bottom-line profitability, transforming substantial losses into healthy returns.
• Championed turnaround from $275,000 losses to $89,000 profitability in only 12 months; with results currently on target for $150,000 profit for 2002-2003.
• Spearheaded change of finance facility to reflect business needs/cycle, saving thousands of dollars in interest charges through negotiation with bankers and utilization of Trade Finance Bills rather than overdraft. Improved cash flow allowing company to place $100,000 on term deposit, thus avoiding use of overdraft facility during last 12 months.
• Enhanced stock management efficiency through identification of significant levels of obsolete stock, and subsequent initiation of major stock write-downs/disposals in June 2001; and improved stock turns of 1.2 to 3.5 in less than two years.
• Increased product margins where possible in a price-driven marketplace and with majority of company products having low margin rates.
• Transformed poorly managed, inaccurate financial accounts with sporadic analysis and reporting into highly-efficient operation, producing full management accounts within five days of month end including KPI summary and budget variance analysis.
• Streamlined financial accuracy and reporting through conversion of manual GL into Attaché software and integrated debtors, creditors, stock, purchasing and payroll.

Diamond Label International, Edison, NJ
1990 - 1998
Financial Controller
Leading women's clothing manufacturer with annual revenues topping $42M.

Identified, formulated and implemented problem-solving strategies, while uniting management's disparate viewpoints by convincing and encouraging change to management solutions to prevent ongoing dismal ROS of less than 2% on annual revenues of $42M. Created sound financial base in order to accelerate growth of company revenue and profitability; monitored company progress through strategic, accurate and timely financial reporting.
• Transitioned group from severe negative cash flow position to healthy positive cash flow within 12 months with $1.4M in funds, expanding to $2.7M during following two years, and in excess of $3M.
• Introduced cash forecasting model that phased in local/overseas purchasing with relevant payment terms, which facilitated negotiation with bankers for a short-term increase in finance facility from $600K to $2.6M, (later being reduced to $1.1M).
• Ceased previous neglect of long-term cash forecasting by management to the point of near insolvency.
• Secured strong cash flow, which enabled group to establish new warehousing/logistics company, and a new Hong Kong Branch office with operating capital funded by Diamond Label.
• Instrumental in improving results through focusing Directors' awareness on margin rather than sales as the key factor for profitability and retention of cash within the business.
• Optimized ROS of 1.3% to nearly 7% within 12 months, and a further increase to 8.5% within 6 months, with industry average at that time around 4%.
• Successfully implemented, tested and achieved full operational functionality of all financial modules of new JBA computer system within specified time frame.
• Finalized long overdue accounts with accounts from October 1989 and onwards not yet produced in February 1990. By end March 1990, all accounts including February were completed with a management summary presented to Directors.

EDUCATION & PROFESSIONAL DEVELOPMENT

Washington State University
M.B.A., Finance & International Business

University of Michigan
B.A., Finance

PRWRA Annemarie Cross - http://www.aresumewriter.net - success@aresumewriter.net

Jordan Winters
604 Harmony Lane
Pleasantville, CA 94588
(925) 555-1234

Qualification Profile

· Highly accomplished Financial Manager with extensive experience in accounting, finance, general ledger activity, job costing, job cost reporting, and auditing.
· Comprehensive background in accounts receivable, accounts payable, payroll, financial reporting, budget management, and financial analysis.
· Instrumental in ensuring the financial integrity of all financial reports and SEC filings.
· Proven success in handling office management functions for multi-million dollar corporations.
· Dynamic leadership abilities concerning financial initiatives.
· Ensuring compliance with GAAP standards.

Professional Background

Lexington Corporation – Hopelawn, NJ
2000-2003
FINANCIAL MANAGER
Managed all aspects of job cost administration for high profile projects. Participated in accounting functions involving general ledger activity, accounts receivable, and accounts payable. Gathered data from field reports on a daily basis. Reviewed purchase orders and revised order amounts. Interacted with builders concerning projects. Aided in database management activities.
· Played a key role in managing accounts receivable functions involving $24 million in gross sales.
· Researched and identified quantity variances, which aided in profit optimization.
· Maintained all aspects of contract, cost data, and job cost reporting for multimillion-dollar construction projects.

Carrington Industries – Englishtown, NJ
1984-2000
STAFF ACCOUNTANT
Managed all aspects of accounting including cash flow management, accounts receivable, accounts payable, and payroll. Controlled general ledger functions including account analysis, account reconciliation, adjustments, and journal entries.
· Handled payroll functions including employee deductions, employee withholdings, payroll checks, and payroll tax filings.
· Spearheaded the implementation of an automated accounting information system, which resulted in increased productivity levels within the organization.

Computer Skills

MS Word, MS Excel, MS Works, QuickBooks, Construction Manager, Timberline, MAS90, Lotus 1-2-3

Kristen Coria - ResumesAP@aol.com - http://www.careerparadigms.com

Jamie Hill
604 Harmony Lane
Pleasantville, CA 94588
(925) 555-1234

SUMMARY OF QUALIFICATIONS

Highly analytical and motivated global Finance Graduate with extensive professional internship experience and proven ability to go above and beyond the norm in generating results for companies. Willing to relocate.

Financial Specialization

· Corporate Finance
· Entrepreneurial Finance
· Financial Accounting and Analysis
· Financial Instruments
· Macroeconomics
· Mathematics and Statistics
· International Corporate Finance
· Portfolio Management
· Financial Statements Analysis
· Derivatives Valuation
· Cost Accounting
· Cash Flow Management
· Capital Budgeting and Valuation
· Management Control
· Financial Markets and Investments

· Analytical Skills — Demonstrated ability in gathering and interpreting huge amounts of data to design and develop complex financial models.
· Global Teamwork — Cooperated and collaborated with colleagues and classmates from all over the world on projects and assignments. Studied and worked on projects in Austria, the United Kingdom and the Netherlands for seven months.
· Entrepreneurial Leadership — Utilized computer knowledge to initiate survey which dramatically improved respondent results for organization. Trained and developed abilities of team members to compete in national sport competition.

EDUCATION

Vlerick Leuven Gent Management School
Belgium
Masters in Financial Management
2002-2003
Special Projects
Conducted detailed and accurate financial analysis of Kinepolis, a publicly listed Belgian company.
· Conceptualized and developed financial model from scratch by collecting, consolidating and analyzing company documents and reports.
· Built up strong communication skills through working and interacting with top management in company.

Vienna Univ. of Economics and Business Administration
Austria
Exchange Program (Erasmus)
2001
· Worked and interacted tactfully and effectively with people from different nationalities and diverse backgrounds.
· Adapted smoothly to unfamiliar culture and environment rapidly.

HEC Brussels
Belgium
BBA Honors "Distinction" (Special focus in finance)
1998-2002
Graduation Thesis: The Repurchase of Own Shares
Integrated dividend substitution hypothesis, agency cost of free cash flow, capital structure theory, signaling hypothesis and market efficiency hypothesis into the evaluation of this complicated topic.

PROFESSIONAL EXPERIENCE

European Private Equity & Venture Capital Association (EVCA)
Brussels, Belgium
Research Assistant
2003
Only Belgian intern selected to work for EVCA, a prestigious non-profit organization that represents the European private equity and venture capital industry in promoting private equity investment to industry players. Identified potential respondents, created detailed questionnaire, sent and followed up on survey to more than 80 companies. Devised incentives to expand list of prospective European clients for organization.
· Pioneered pilot survey on the European Mezzanine Financing Market.
· Initiated and introduced first electronic version of survey which increased response rate by 21% in record time of less than two months! (Normal response rate is 50% in six months) Electronic survey has since been adopted by organization.
· Applauded for conducting statistical analysis on market and producing an exhaustive, yet easily comprehensible 40-page management report for organization.

Regus PLC
Amsterdam, The Netherlands
Cost Analyst
2001
Recruited to this MNC which has more than 2000 employees worldwide and is the world's largest provider of serviced offices with more than 400 business centers in 50 countries.
· Performed extensive study of company overheads and identified cost pools.
· Consolidated and analyzed all data; designed spreadsheet model which gave company an immediate overview of entire cost structure.
· Prepared and presented report to higher management.

DHL International
London, United Kingdom
Marketing Assistant
2000
Worked for this world leader in express delivery, transport and logistics solutions company which links more than 220 countries.
· Gathered and coordinated information from cross-functional departments across countries.
· Formulated and designed a customer-oriented sales guide that contains complete information of DHL's services.

ACTIVITIES

Royal Racing Club de Bruxelles
Belgium
Coach & Trainer (Field Hockey)
1995 - 1998
Planned and conducted weekly training for team of 12 members.
· Motivated and rallied team members to push themselves to the limits during training to compete in national competition.

COMPUTER SKILLS

· Expert in Microsoft Word, Excel, Microsoft Access and PowerPoint.
· Proficient in VBA, SPSS (statistical software) and Palisade@Risk (risk analysis and simulation)

LANGUAGES

· Fluent in English, French and Dutch.
· Basic proficiency in German.

Teo Boon Sin - boonsin@topnotchresumes.com.sg - http://www.topnotchresumes.com.sg

Drew Anderson
604 Harmony Lane
Pleasantville, CA 94588
(925) 555-1234

BUSINESS DEVELOPMENT MANAGER

Project Management • Business Analyst Financial • Forecasting

Analytical, creative professional who applies business analysis and critical thinking skills to develop new systems and enhance existing operations. Experience with a wide range of functions including system modules implementation, test system integration, business process improvement, research, and ad-hoc analysis. Resourceful problem solver with proven ability to conceptualize solutions to challenging situations and maximize success. Articulate communicator across diverse groups and at all organizational levels. Core competencies include:

• Corporate Finance • Small Business Management
• Financial Analysis • Business Plan Review
• Financial Markets & Institutions • Critical Decision Making
• Shoestring Budgeting • Strategic Planning
• Capital Investment Analysis

PROFESSIONAL EXPERIENCE

ROOSTER MANUFACTURING INC, Chicago, IL
2001 - Present
Financial Operations
Recruited to assist Controller with integration of Bill of Material module into company software and processes. Steadily increased responsibility, particularly with regard to financial matters, often given various analytical projects that were not associated with primary responsibilities to accomplish.

• Researched Work Order module, and lobbied to have its integration included in new Bill of Materials module. Facilitated in automatic reserving and transforming inventory of raw materials into inventory of finished goods, while leaving an audit trail, which assisted in maintaining an accurate inventory.
• Established coding system for new modules, input data, configured and tested system for operational issues. Investigated integration of modules finding sources of various problems from software specific problems to paper-trail issues.
• Performed bank reconciliations for Red Creek Lab division, successfully updated financials that had been neglected for five months.
• Worked along side of CEO to address all financial inquiries and concerns through use of ad-hoc analysis to support the growing complexity of the company's financial structure.
• Authorized and coordinated majority of cash expenditures regarding allocations of scarce funds. Maintained strict budget on daily basis ensuring production schedule could be met and negotiated with creditors in order to maintain critical business relationships.
• Maintained A/P ledger, A/P and payroll modules, daily call log of creditors, and running list of major financial obligations that were prioritized in order of importance.

ACCOUNTING PROS, Chicago, IL
2000 - 2001
Temporary Employee
Assigned to Rooster Manufacturing project - recruited due to extensive analytical skills and research capabilities in the areas of report management, data procurement, and project development.

DENVER FINANCIAL CENTER, Denver, CO
1999 - 2000
Internship
Reviewed business plans, performed due diligence, attended meetings with clients and worked creatively with client services director to coordinate ideas and solve problems. Worked extensively with confidential data regarding new ideas, technologies and patents.

EDUCATION

University of Colorado, Boulder, CO
2000
Bachelor of Science, Finance

COMPUTER SKILLS

Microsoft Word, Excel, Outlook, Access, PowerPoint, Internet Explorer, Windows 95/98/2000/XP, MAS 90, MAS 200, Peachtree, Netscape Navigator, and Crystal Reports.

PRWRA Denette Jones - Jones Career Specialties - Boise, Idaho 83706 - http://www.jonescareerspecialties.com - denette@jonescareerspecialties.com - (208) 331-0561 - (208) 361-0122 fax

Frances O 'Malley
604 Harmony Lane
Pleasantville, CA 94588
(925) 555-1234

OBJECTIVE

A challenging career in the field of Financial Planning.

SKILLS

• Strong background in financial planning, analysis and accounting procedures.
• Experience with taxation and outlook processes.
• Proficient in Microsoft Word, Excel, PowerPoint, Outlook Express, MS Exchange, Adaytum, SAP, Hyperion, Magellan, ATTRA and eVisible.

EDUCATION

University of Phoenix, Phoenix, AZ
2002
Masters, Business Administration

Montclair State University, Upper Montclair, NJ
1996
Business Administration
Concentration in Accounting

EXPERIENCE

Octagon, Inc., Whippany, NJ
1999 - Present
Assistant Planning Manager
• Work with Consultant to assist in the implementation of the DataStream System for Octagon's INS Business Units.
• Aid in the coordination of the planning process and communicate with all necessary members of the INS Organization as the planning cycle evolves.
• Input plan data into DataStream planning system.
• Update and maintain cost centers on DataStream Web site.
• Completion of various reporting and analysis requests from Corporate and INS business managers.
• Analyze various assessments from Octagon's business partners to ensure interlock.
• Re-distribute assessments through AIV to appropriate INS business units.
• Coordinate, arrange and track budget transfers and input information into ATV system.
• Create and maintain headcount, variations and budget transfer reports.
• Serve as liaison between the Corporate office and INS CFO.

Octagon, Inc., Whippany, NJ
1997 - 1999
Accounting Specialist
• Composed, examined and recorded financial data for Lucent acquisitions.
• Furnished financial/analytical support to Product/Market Units and Corporate office.
• Responsible for performing accounting and analysis projects as requested by Regional Manager.
• Promoted to Assistant Planning Manager.

Octagon, Inc., Whippany, NJ
1996 - 1997
Accounting Associate
• Completed various Securities and Exchange Commission reports.
• Analyzed activity for numerous Balance Sheet accounts.
• Completed quarterly reports and requests for Price Waterhouse Cooper's.
• Prepared and analyzed tax data.
• Prepared and analyzed various journal entries.
• Promoted to Accounting Specialist.

Maxwell Management, Warren, NJ
1995 - 1996
Accounts Payable
• Entered vendor invoices into Project Management.
• Posted accounts payable, vendor and associate invoicing.
• Managed purchase order log.
• Processed invoices for payment.
• Coded vendor invoices to ledger.
• Issued payments/checks.

AFFILIATIONS

Alpha Kappa Psi, National Co-Ed Business Fraternity

PRWRA Dawn Reid - PTI Career Services - P.O. Box - Roselle, NJ 07203 - http://www.mypti.com

Drew Sterling
604 Harmony Lane
Pleasantville, CA 94588
(925) 555-1234

MULTI - CERTIFIED FINANCIAL PROFESSIONAL

Motivated individual with demonstrated proficiency in listening to clients needs, and formulating the tactical action plan to achieve results. Constantly explores opportunities to further elevate customer loyalty and boost revenues. Known for honesty, integrity and a genuine passion for achieving goals for self and others. Superior interpersonal dynamics interface seamlessly with others from all levels, backgrounds and cultures. Respected for maintaining a professional and positive demeanor, regardless of the situation. Core competencies include:

· Financial Management Advisor (FMA)
· Professional Financial Planner (PFP)
· Networking & Prospecting
· Sales/Account Development
· Goal Setting & Attainment
· Budgeting & Forecasting
· Sales Presentations
· Negotiation & Communication
· Relationship Building
· Community Relations

EDUCATION & SPECIALIZED TRAINING

BACHELOR OF PHILOSOPHY – HONORS DEGREE
1993
University of Western Ontario, London, Ontario
Elected by peers for Fraternity President in 1992. Oversaw all operational aspects including fund raising for charities, social events, membership drives, reunion events and graduation functions.

Awarded Financial Management Advisor (FMA)
2003
Wealth Management Techniques (WMT)
2003
Professional Financial Planner (PFP)
2001
Conduct and Practices (CPH)
2000
Derivative Fundamentals (DFC)
2000
Options Licensing (OLC)
2000
Canadian Securities (CSC)
The Canadian Securities Institute Studies
1999
Certified Financial Planner (CFP)
Financial Planning Standards Council
2002
Life and Disability Insurance License
Canadian Council of Insurance Regulators
2001
ONTARIO SECONDARY SCHOOL DIPLOMA GRADUATE
1983 - 1988
Upper Canada College, Toronto, Ontario
Recipient of Duke Of Edinburgh Award

QUALIFICATIONS IN ACTION

FINANCIAL PLANNER
2003 - Present
PERSONAL LENDER
2002 - 2003
RBC Royal Bank of Canada, Toronto, Ontario
Initially retained by this financial services provider with 60,000 employees world wide as a personal lender. Specialized training and client relationship management recognized, receiving promotion to current position within one year instead of the usual two years. Currently, accountable for developing and expanding long term strategic investment and retirement plans. Relied upon to manage over 300 high net worth client relationships in excess of $40M in credit and investment business. Delivered presentations to sales unit, comprised of individuals from all levels within the company.
· Understand the necessity for looking at the big picture. Worked with clients to provide loans and mortgages, in addition to developing both education and savings plans. Teamed with clients’ legal and accounting representatives ensuring current wills exist and any tax advantages are being used.
· Accomplished at retaining business and attracting new clients. Secured new business worth $5M+ within past year. Maximized corporate market share by referring clients to other RBC sales lines. Offer competitive rates when clients consolidate banking ventures within corporation.
· Consistently won new accounts based on referrals from satisfied existing clients.

INVESTMENT ADVISOR
2000 - 2002
RBC Dominion Securities, Toronto, Ontario
Selected by this brokerage to serve a high net worth client-base to develop, implement, and monitor investment portfolios. Determined work ethic and refined interpersonal skills successfully prospected clients via cold calling, mail outs, seminars, referrals from existing clients, and professional networks. Without question, ambitious: literally the first employee there each day.
· Within first year, grew business from 0 to $6M during a collapsed stock market period. Crossed the $10M a few months later.
· Earned reputation for refined ability to attract and maintain solid client relations. Sold Book and transitioned to previous, financial planning roles.

OWNER AND CO-FOUNDER
1995 - 1999
The Lost Camel Coffeehouse, Toronto, Ontario
Spearheaded this Retail Coffeehouse from the ground up. Entrepreneurial spirit conceived and implemented the foundation and success of this 30-seat operation. Drafted quality business plan, securing $70 000 bank loan, virtually unheard of for a new graduate. Realized annual revenues of $400 000 in a competitive market.
· Won “Best Independent Coffeehouse” in 1997, 1998, and 1999 as voted by “Eye Magazine”. Without question, regarded as the spot in the of Queen Street West area.
· Captured additional revenue by running a catering business out of The Lost Camel.
· Completed all payroll, accounts payable/ receivable, marketing and advertising duties. Directed human resource functions and training for a staff of 12.
· Profitable venture from day one. Sold operation for twice the original building costs.

INTERNATIONAL TRAVEL
1993 - 1995
Operated a company called Student Seasonal Services in London, Ontario for the first six months after graduation. Cleaned gutters, windows, and painted. Earned funds to travel and move to Australia. Explored continent via mountain bike. Visited several Pacific Rim countries.

COMPUTER SKILLS: Microsoft Word, Outlook, Excel, PowerPoint, and Internet Research.

VOLUNTEER / COMMUNITY INVOLVEMENT

· Out of the Cold Program team member. This program works to provide food and shelter for homeless Toronto street youth. Prepare hot breakfasts weekly from a downtown church to assist this population. (2002 - Present)
· RBC Branch’s Volunteer fundraiser for Sick Kids Walkathon: raised $2 500 in donations, and thousands worth of product donations for silent auctions. (2001 and 2002)
· Participate in multiple marathons and half marathons

Member - Toronto Board of Trade (2000 - Present)
PRWRA
Audrey Field - info@resumeresources.ca - http://www.resumeresources.ca

Taylor Anderson
604 Harmony Lane
Pleasantville, CA 94588
(925) 555-1234

PROFILE

• Comprehensive experience in multiple aspects of business operations, including contract administration, regulatory compliance, staff training and procedure development/implementation.
• Proven ability to troubleshoot and develop creative, innovative solutions to business challenges; successfully manage change for improved performance and efficiency.
• Demonstrated success at identifying processes and complex systems; work with clients to streamline operations, establish goals and implement strategies to achieve those goals.
• Skilled in team development and project management; communicate objectives, plan & organize work flow, and conduct individualized training.
• Proficient with Lotus; working knowledge of Excel, Word, WordPerfect for report preparation; experience in internet research.

EXPERIENCE

Department of Public Health, San Francisco, CA
1994 - Present
Fiscal Administrator
Responsible for all aspects of fiscal management and contract administration, including budgeting, project management, expense authorization and training, for Justice Resource Institute programs.
Motivate and supervise a staff of seven consultants. Handle all personnel administration for the site including processing of applicants and arranging benefits.
Approve/code all invoices, authorize employee expenses, reconcile bank statements and direct petty cash disbursements.

• Perform research and data collection for development of special reports.
• Prepare General Ledger Summary reports.

1993 - 1994
Grants Management Specialist / Consultant
Provided comprehensive guidance and administrative support to contract managers and agency staff with 300 contracts throughout the state.
Provided for proper documentation and regulatory compliance of contracts and grants.
Participated in the development of policies, and procedures.
Assembled/processed contracts, subcontracts and grants administered by the AIDS bureau to ensure compliance with state policies.

• Documented and recommended system improvements to the Director of Administration. Implemented and directed approved policy changes.
• Trained Contract Managers on management systems, general contract requirements, procedures and protocols.
• Acted as a primary liaison providing technical assistance to MIS and Purchase of Service units for the development of contract policies.

Camp McKee, Cambridge, MA
1988 - 1993
Contracts Administrator
Responsible for various aspects of contract management, including project management, client relations and budgeting.
Worked with clients to develop and administer special billing requirements; established billing dates according to client payment cycles.
Prepared, issued and processed client invoices.
Assisted project managers in scheduling, budgeting and control of projects.

• Filed contracts and related documentation with contract accounting.
• Prepared and issued a monthly billing report to senior management.

Senior Accounts Payable Specialist
Trained new associates in accounts payable as well as organizational policies.
Coordinated the input of and payment of vendor invoices and check requests.
Disbursed, maintained and reconciled petty cash funds.

EDUCATION

Cambridge College, Cambridge, MA
Masters, Management
GPA: 4.0, Concentration on Organizational Theory and Behavior. Received registered copyright for thesis on Managing for Workplace Diversity

American International College, Springfield, MA
Bachelor of Science, Human Relations, Minor: Psychology
• Named to the Scholastic All American Honor Society.
• Received President's Recognition Award for Scholastic Achievement and Leadership.

University of Massachusetts at Boston
Certificate, Government Auditing

MEMBERSHIPS

Association of Government Accountants. Recognized in Government Financial Management Topics (Dec. 1997) "The Face of Public Service."
National Association of Female Executives

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Lee Robertson
604 Harmony Lane
Pleasantville, CA 94588
(925) 555-1234

QUALIFICATION PROFILE

· Results-oriented Medical Billing Professional with experience in medical claims examining, medical claims processing, medical collection, business administration, relationship management, and customer service.
· Comprehensive background in all aspects of medical billing procedures.
· Proven success in working with CPT ICD-9 Codes, medical terminology, and medical insurance protocols.
· Instrumental in establishing working relationships with diverse physician base.
· Contributed to the development and analysis of month-end closing statements.
· Consistently surpassed objectives within organizations.

PROFESSIONAL BACKGROUND

Bernie Cohen, M.D
1998-Present
MEDICAL BILLER
Executed all aspects of medical billing. Reviewed patient information concerning insurance. Created insurance claim forms and patient statements successfully. Developed financial reports at month-end.
· Aided in accounts receivable initiatives for a high profile medical practice.
· Posted, adjusted, and tracked in excess of $800,000 in charges.

Memorial Hospital
1994-1998
PATIENT REGISTRATION CLERK / MEDICAL BILLER
Handled administrative responsibilities successfully. Entered geographic data as well as insurance data for patients. Developed patient charts as needed.
· Led medical billing and claims processing responsibilities for diverse patient base.

F.T. Products
1991-1994
CUSTOMER SERVICE MANAGER
Managed all aspects of customer service on a daily basis. Supervised and trained employees in daily job responsibilities. Participated in problem resolution strategies. Served as primary liaison between customers and upper management. Aided in inventory management and inventory control protocols. Contributed to vendor relationship management initiatives. Established organizational objectives.
· Verified deposits for $7.5 million in sales.
· Generated financial reports and sales reports, which enabled management to make sound business decisions.
· Handled benefits administration for 30 full time employees and 25 seasonal employees.
· Developed and introduced new customer service policies, which resulted in increased customer retention and improved customer satisfaction within a saturated market.

EDUCATION

Bachelor of Science, Business Administration (1997)
George Mason University, GPA: 3.8

Kristen Coria - ResumesAP@aol.com - http://www.careerparadigms.com

Sam Sterling
604 Harmony Lane
Pleasantville, CA 94588
(925) 555-1234

OBJECTIVE

A management position in the area of Payroll and Benefits using human resources experience and skills to provide quality service to employees.

SKILLS SUMMARY

Over 16 years of experience in Benefits and Payroll management. Strong working knowledge of ADP Payroll for Windows, Ceridian Source 500 Payroll, Microsoft Word, Microsoft Excel, LotusNotes, QuickBooks and Report-Smith within a Windows Operating System. College disciplined, with a B.S. Degree in Accounting.

WORK HISTORY

Bradford Business Associates, New York, NY
2000 - Present
Payroll Manager
Managed Payroll Department, processing semi-monthly payroll system for over 1000 employees in eight company locations.

• Supervised two Payroll Assistants and delegated duties accordingly.
• Accurately processed payroll and benefits journal entries.
• Used MS Excel to calculate and report commission payments for sales staff as well as Independent Contractor payments.
• Administered all payroll deductions and filed 401K, medical, stock options and garnishments.

Industrial Financial Corporation, New York, NY
1999 - 2000
Payroll and Benefits Specialist
Assigned on a 3-month consulting project to handle payroll and benefits on ADP Payroll system and QuickBooks.

• Processed two bi-weekly payments, 401k reports and medical payments.
• Processed commission payments and year end bonus payroll for traders and staff members.
• Created tracking reports in MS Excel to chart commission and contractor payments.

Maxwell Management Group, New York, NY
1996 - 1999
Payroll Manager
Managed bi-weekly ADP payroll system for over 1,200 employees in nine company locations.

• Converted four payroll systems from ADP DOS to ADP Payroll for Windows.
• Processed Independent Contractor payments.
• Supervised three Payroll Assistants and delegated administrative responsibilities.
• Worked closely with International Office in processing employees with H-1 Visas.
• Performed payroll-to-billing audits on a bi-weekly basis.

Manning Medical Group, New York, NY
1995 - 1996
Payroll Manager
Oversaw weekly payroll for over 1500 employees on ADP HR Partner for seven company locations.

• Processed all payroll deductions and filing 401K, medical, stock options and garnishments.
• Interfaced with HR on ADP HR Partner payroll.
• Supervised Payroll Assistants and assigned work accordingly.

FJK Support Services, New York, NY
1992 - 1995
Payroll and Benefits Manager
Managed Payroll & Benefits Department, processing and administering weekly payroll on ADP Payroll system.

• Enrolled employees into benefit plans, disability filings, and 401K enrollments.
• Input payroll journal entries to the General Ledger.

Helix Group, Inc., New York, NY
1987 - 1992
Payroll and Benefits Manager
Oversaw payroll process for 2000 employees and company contractors on ADP Payroll System.

• Calculated benefits including 401K, medical, and long-term disability.
• Handled union deductions and payments for six different union organizations.

GEO Consultants, New York, NY
1985 - 1987
Payroll & Benefits Manager
Managed and processed weekly payroll for 900 employees in three company locations.

• Processed payroll and benefits payments.
• Prepared deductions for all medical plans and 401K benefits.
• Processed union payments and monthly journals to General Ledger.

EDUCATION

New York University, New York, NY
1985
Bachelor of Science, Accounting

VOLUNTEER ACTIVITIES

• Girl Scout Leader - 15 yrs.; Cookie Chairperson for Brooklyn - 5 yrs.
• Program for the Gifted and Talented-NYC School System - 3 yrs.
• Central Park Conservancy - "You Gotta Have Parks" - 6 yrs.; Executive Committee - 4 yrs.

PRWRA Dawn Reid - PTI Career Services - P.O. Box - Roselle, NJ 07203 - http://www.mypti.com

Renee McEvoy
604 Harmony Lane
Pleasantville, CA 94588
(925) 555-1234

SUMMARY

Experienced Portfolio Manager who achieves consistent results and deals well with volatility. Adept at balancing performance, customer satisfaction and bringing in new business. Sought-after writer, convention speaker and regularly quoted analyst in the media. Enthusiastic and aggressive M.I.T. Economics graduate with CFA, looking to make change within field.

Currently Senior Vice President, performing several major positions within organization: Money Market Portfolio Manager, Fixed Income Credit Analyst and Portfolio Manager, Economic Analyst and Marketer. Launched $1 billion fund.

PROFESSIONAL EXPERIENCE

BOSTON INVESTORS, INC, Boston, MA
1984 - Present
Promoted to Senior Vice President in recognition of ongoing performance and dedication. Perform 5 major positions with little/no backup support and minimal supervision for this investment counsel firm

Money Market Portfolio Manager
1986 - Present
• Manage all aspects of retail and institutional Money Market Portfolios with assets of nearly $1 billion.
• Developed and launched institutional 2a-7 fund which grew to $1 billion in 3 years.
• Created proprietary systems and models resulting in consistent 2nd quartile gross performance, despite wild volatility of assets in extremely tough market.
• Analyze markets to determine best areas in which to invest.
• Evaluate buy/sell ideas and execute trades to maximize fund.
• Ensure portfolios continuously comply with SEC and IRS regulations and internal guidelines.
• Complete credit research for all corporate credits used in portfolios.

Fixed Income Credit Analyst and Portfolio Manager
1987 - Present
• Successfully evaluate and determine creditworthiness of companies in the financial sector.
• Rigorously find and analyze published data about companies.
• Seek out and interact with information providers.
• Attend several annual conferences with key company and industry presentations.
• Make buy/sell recommendations for fixed income portfolios.

Mortgage-Backed Securities Analyst and Portfolio Manager
1987 - 1998
• Determine value within the mortgage-backed and asset-backed markets.
• Make buy/sell recommendations for fixed income portfolios and execute trades.

Economic Analyst
1984 - Present
• Solely responsible within company to analyze and report on economic trends and events.
• Write 1-2 four page Boston Investors Staff Letters per year, for extensive distribution to over 750 clients and news media. Letter has been largest source of new clients.
• Write and produce comprehensive quarterly 20 page publication: Economic Outlook, complete with commentary, graphs and economics trends that is distributed to clients and staff.
• Give interactive multi-media presentations at staff and client meetings.
• Report, track and analyze political developments and potential impact on markets for internal staff
• Quoted by numerous newspapers and wire services as an expert on market response to political changes, economic indicators and market movements.

Marketing
1986 - Present
• Create original fixed income marketing materials for marketing department to use with clients.
• Compose written explanations of performance and process for several critical marketing materials per quarter.
• Provide perspective, data and other information during business presentations to potential clients.
• Presented speeches at major industry conferences such as IBC and Fabozzi to build brand awareness. Recent topics: "Creating and Maintaining an Effective Credit Research Process""Building Blocks of Money Market Securities""Creating and Maintaining an Effective Credit Research Process""Government Securities""Anomalies in the Short-Term Markets"
• Requested by Columbia Business Professor to address Business School Classes on financial topics.

Money Market Portfolio Manager
1985 - 1987
• Execute buy and sell orders for firm's individual and institutional clients.
• Obtained best execution of orders with minimal market impact.
• Trade settlement and resolution of disputes.

COMMUNITY ORGANIZATIONS

THE CHILDREN'S MUSEUM OF LOWELL, Lowell, MA
2001 - Present
Vice President, Board of Directors and Chairman, Capital Campaign Committee
Recruited to join and lead effort to create area non-profit museum due to experience in fund raising and organizational development. Museum targeted to open Fall 2003 in a historic mill building that also serves as the headquarters for the Lowell National Historical Park. Capital Campaign goal: $2 million.

THE FRIENDS OF M.I.T. RUGBY, Cambridge, MA
1987 - Present
Chairman, Vice Chairman, Treasurer
One of 8 co-founders of an organization that provides financial and logistical support for the M.I.T. Rugby Club. As Chairman, revamped board to improve productivity and results. Raised over $250,000 as endowment to ensure future of organization.

M.I.T. RUGBY CLUB, Cambridge, MA
1987 - Present

Assistant Coach
1983 - 1993
Served as part-time assistant coach on teams that won one National Championship, appeared in 2 "Final 4's," and reached the "Final 16" once.

EDUCATION, CERTIFICATIONS & MEMBERSHIPS

MASSACHUSETTS INSTITUTE OF TECHNOLGY, Cambridge, MA
1989
A.B. in Economics

Certifications
Chartered Financial Analyst (CFA), 1989

Member
Bond Analysts Society of Boston
Boston Security Analysts Society

PRWRA Gail Frank - Frankly Speaking - Tampa, FL 33626 - http://www.callfranklyspeaking.com - gailfrank@post.harvard.edu - (813) 926-1353 - (813) 926-1092 fax

Drew Sterling
604 Harmony Lane
Pleasantville, CA 94588
(925) 555-1234

PROFESSIONAL PROFILE

• Over 10 years diverse international business project management experience, including financial analysis, project controls, contract negotiation, and government and public relations.
• Well-versed in global business market, specializing in East-West cultures.
• Fluent communication and presentation skills in English and Mandarin.
• First-hand experience with progressive responsibilities in global Fortune 500 companies.
• Expertly execute capital budget modeling, SWOT analysis, resource planning, and cash flow forecasting to ensure bottom-line revenues and better, cheaper, faster business for total customer satisfaction.

PROFESSIONAL EXPERIENCE

Industrial Financial Corporation, Phoenix, AZ
2001 - Present
Program Finance Manager
Oversaw program financial operations for diversified insurance and financial services company, among largest in US. Controlled project financial forecasting, operational budgeting, resource planning, invoicing, pricing, ordering, and scheduling. Worked closely with project managers and budget authorities across business spectrum to develop business cases, funding structures, and budget matrices for international VAR transformation programs, ensuring program objectives are achieved on time and on budget.
• Designed resource and expense tracking systems to analyze over $5B in corporate program budgets against respective accruals.
• Diagnosed risks and conducted ad hoc operation analysis for senior management decision-making involving projects exceeding $5M.
• Recommended corrective actions to senior management with ESR and variance analysis reports on multiple million-dollar projects.
• Estimated project RUP, creating risk/business value-evaluation models.

Acme Electronics, Tempe, AZ
1997 - 2001
Senior Business Analyst
Evaluated new business proposals, interpreted financial data, forecasted corporate cash flow, and developed business models jointly with sales and marketing teams, reporting directly to senior management of this third largest defense contractor in US.
• Increased invoice turnover rate 150% by creating consolidated tracking system to monitor real-time material/equipment traffic, billing, and payment status. New system and procedure accepted by all parties of consortium.
• Proposed overseas operation business configuration based on in-depth analysis of local tax system, foreign currency regulation, and patent issues, ensuring accounting, billing, and contracting structures correlated with planned business models.
• Developed revised profit projection and cost estimation, based on performance-to-date analysis.
• Maintained financial performance progress tracking system.

SFB Incorporated, Tucson, AZ
1995 - 1997
International Finance Analyst
Analyzed energy market trend in China for this international trading company. Monitored financial activities, including capital budgeting, banking, hedging, risk analysis, and cash flow forecasting. Proposed annual sales strategic plan. Analyzed inquiries orders, pricing, and marginal profitability.
• Instrumental in successful cost efficient establishment of presence in Hong Kong and Beijing, China, by improving international communication and negotiating fair and reasonable tax payments.
• Applied financial models and tools in calculating projects payback period, NPV, and MIRR to recommend various contracting strategies.

Helix Corporation, Dallas, Texas
1992 - 1995
Business Manager
Supervised purchase group responsible for negotiation and implementation of large equipment purchase contracts. Large projects included Gas Pipeline Rehabilitation ($420M) and Basin Oil Reservoir exploration ($98M).
• Won $6M contract in key role to close ceramic tile joint venture deal.
• Designed and implemented new procurement procedure according to World Bank purchase guideline. Introduced competition mechanism into solicitation process that ensured equal playing field for project negotiation.
• Established Texas residence for company, serving first term as office representative.

World Bank, New York, NY
1990 - 1992
Project Coordinator
Coordinated bid documents preparation, solicitation analysis, bid material review, and suppliers short-list selection. Assisted project financial appraisal, risks analysis, and post auditing.
• Bridged gaps between World Bank, government regulators, and end users through comprehensive preparation of bid evaluation report to the National Projects Evaluation Committee for approval.
• Worked with World Bank task managers and project entities to supervise the World Bank Loan Oil and Gas projects implementation.
• Implemented World Bank Procurement Guideline to all ICB/LCB projects.

PROFESSIONAL AFFILIATION

Project Management Institute (PMI)

EDUCATION

University of Saint Thomas, Minneapolis, MN
M.B.A., Finance

Tucson University, Tucson, AZ
B.A., English

Technology Advanced Study Institute, Dallas, Texas
International Business Training

World Education College, Washington, D.C.
World Bank and Foreign Loan Projects Operation Training

PRWRA Nick Marino - Outcome Resumes and Career Service - outcomerez@earthlink.net - Bishop, TX 78343

Casey Catello
604 Harmony Lane
Pleasantville, CA 94588
(925) 555-1234

OBJECTIVE

To apply strong loan processing and account management experience to a Loan Officer or Mortgage Broker position with a customer focused financial/mortgage institution in the Triangle, North Carolina area.

SKILLS SUMMARY

• Loan Processing/Analysis • Organizational/Account Management
• Underwriting • Individualized/Group Communications
• Personal Assessment/Evaluations • Financial Product Sales/Cross-Selling
• Financial/Loan Business Knowledge • Budgeting Planning/Costing
• Customer-Oriented Philosophy • Collaborative Team Member
• Technical Aptitude • Advertising/Publications Writing

SUMMARY OF QUALIFICATIONS

• Enthusiastic, innovative, and authoritative individual who is committed to the total development of people and projects.
• Creative marketing skills from business background in sports, financial and technical industry areas.
• Solid experience base and organizational planning initiatives.
• Strong knowledge of rules, regulations, strategies, coaching methods and management.
• Excellent verbal and interpersonal communications skills.
• Plan, organize and complete tasks in the shortest, most efficient manner, extremely versatile.
• Tactful and diplomatic in high-pressure, multi-task situations; confidently and competently handles behavioral situations in the most positive manner.
• Outstanding business management experience and training while involved with various companies.
• Technical Skills Include: Microsoft Office and Windows OS 95/98/00/NT, Word, Excel, Access, Online Communications, and other proprietary programs.

EDUCATION

CLARION UNIVERSITY OF PENNSYLVANIA, Clarion, PA
1997
Bachelor of Science, Communications
Concentration in Marketing/Advertising

PROFESSIONAL EXPERIENCE

AMERISTEEL, Raleigh, NC
2001 - Present
Project Coordinator
• Assisted in multiple projects, including drafting, shipment coordination and ongoing customer service issues and programs. Solve customer problems and ensure total quality control.

GALE FORCE HOLDINGS, Raleigh, NC
1999 - Present
Ice Crew
• Assisted in multiple Carolina Hurricanes and other game day operations.

THE ICE HOUSE, Cary, NC
1998 - 2001
Marketing Manager/Assistant Manager
• Developed program curriculum, league schedules and monitor marketing management and related projects. Organized, staffed and instructed all hockey clinics, camps and private lessons. Supervised youth games and recognized/corrected problems in the program. Monitored the registration and progress of programs. Recruit league coaches and train them. Produced and distributed schedules and add to database. Organized all child and adult special events, figure skating and hockey programs. Organized and recruited tournaments at the facility.
• Developed practice curriculum per age group; conducted ongoing coach and player clinics, promoting goodwill, sportsmanship and a positive learning focused environment. Reviewed weekly checklist and serve as key liaison to general manager.
• Key management responsibilities: customer service, follow up, collections, promotions development, employee management, policy enforcement.
• Responsible for referee qualifying, training, scheduling, and management; train and evaluate new referees.
• Managed, trained and supervised retail employees. Monitored sales, supplies and inventories/inventory control. Placed purchase orders for complex and all pro-shop hockey/sports/figure skating and related equipment. Worked closely with vendors and create displays to increase sales.

FIRST UNION MORTGAGE CORPORATION, Raleigh, NC
1998 - 2000
• Key duties include analysis of loan approval documentation.
• Ensured total quality control on all documentation from fault checking to system/non-system monetary errors.
• Assisted with mass loan sales and all processes associated with this area.
• Handled FHA, VA and Conventional loans.
• Created collateral packages for each loan.

PRWRA John M. O'Connor - President - CareerProResumes.com - aoconnor2@nc.rr.com - 919-787-2400

Taylor Anderson
604 Harmony Lane
Pleasantville, CA 94588
(925) 555-1234

QUALIFICATION PROFILE

• Highly accomplished Sales Representative with over 20 years of experience in banking.
• Proven success in managing banking transactions involving cash management, deposits, withdrawals, and customer service.
• Comprehensive background in loan and investment products.
• Played a vital role in increasing customer satisfaction score through the utilization of effective customer service protocols.
• Instrumental in increasing bank loan volume and deposit volume through sound sales acumen.
• Investigated and resolved customer issues in a timely manner.

EDUCATION

Florida State University, Tallahassee, FL
2003
Bachelor of Science, Business Administration

PROFESSIONAL BACKGROUND

Bank of America, Springs, FL
2000 - 2003
Sales Representative / Loan Officer
Managed all aspects of location and cultivation of new deposits and loans.
• Played a key role in generating over $300,000 per month in loan/investment referrals.
• Served as a key member on the sales team.
• Exhibited exceptional level of customer service on a daily basis.

Peoples Bank, Bridgeport, CT
1999 - 2000
Customer Sales Representative
Handled customer service on a daily basis. Opened new accounts as needed.
• Increased customer satisfaction level through sound business acumen.
• Executed all aspects of customer relationship management successfully.

First Union National Bank, Hampton, MA
1994 - 1999
Financial Specialist
Participated in financial responsibilities involving cash management. Initiated business development functions.
• Served as Loan Officer on a regular basis.
• Identified customer needs and recommended investment products to optimize revenue potential.

COMPUTER SKILLS

Microsoft Word, Microsoft Excel, Microsoft PowerPoint, Microsoft Outlook, PeopleSoft

PRWRA Kristen Coria - Accounting Paradigms - Hamden, CT 06518 - resumesAP@aol.com - http://www.careerparadigms.com

Drew Sterling
604 Harmony Lane
Pleasantville, CA 94588
(925) 555-1234

QUALIFICATION PROFILE

· Accomplished Certified Public Accountant with strong leadership skills and extensive experience in tax return preparation, financial management, accounting, financial reporting, auditing, and risk management.
· Directed all aspects of accounting and finance within multimillion-dollar organizations, including cash flow management, financial statement preparation, budget management, accounts payable/receivable, payroll, and treasury.
· Instrumental in ensuring the financial integrity of all reports and filings, including Federal, State, and SEC.
· Adept in administering corporate stock option plans.
· Comprehensive background in general ledger accounting, including account analysis, account reconciliation, accruals, journal entries, and month-end/year-end closing.

LICENSURE

Candidate for Certified Management Accountant
Candidate for Certified in Financial Management
Candidate for Certified Public Accountant

EDUCATIONAL BACKGROUND

Master of Science, Accounting (expected 2004)
UNIVERSITY OF CENTRAL FLORIDA – Orlando, FL

Bachelor of Science in Business Administration, Double Major in Accounting & Finance (2000)
NORTHEASTERN UNIVERSITY – Boston, MA

PROFESSIONAL BACKGROUND

UNITED AIRWAYS, INC. – Orlando, FL
2002 to Present
Senior Accountant
Handled general ledger activity including month-end and year-end closes. Prepared and filed disclosure involving the SEC including 10K, 10Q, and 8K. Spearheaded monthly and quarterly conveyance compliance reports filings involving banks and investors. Controlled corporate stock option plan administration responsibilities. Provided exceptional level of support to external auditors concerning quarterly reviews and annual audits.
· Involved in all aspects of financial statement preparation, which enabled management to make sound business decisions based on accurate financial position of the company.
· Streamlined financial reporting processes involving quarterly capital expenditures as well as month-end general ledger close, which resulted in improved productivity levels.
· Contributed to the implementation of a new accounting information system, which significantly improved operational efficiency levels and accuracy of accounting transactions.

FROMMET CORPORATION – Burlington, MA
2001 to 2002
Senior Accountant
Managed all aspects of accounts receivable, accounts payable, and payroll. Directed profit and loss reporting initiatives. Handled cash flow management responsibilities on a daily basis. Led sales and use tax filing activities for multiple states. Participated in general ledger functions including account analysis and reconciliation, accruals, and closing processes. Prepared monthly consolidated financial statements and analyzed results. Executed foreign currency translating and monitoring including British Pound and EURO. Supervised international sales transactions and filed appropriate tax returns involving VAT (U.K.).
· Played a key role in developing and introducing new corporate policies and procedures that increased productivity levels and improved internal controls involving accounting, inventory control, customer service, warranty service, and shipping/receiving.

GFK NETWORKS, INC. – Cambridge, MA
1999 to 2001
Senior Staff Accountant
Participated in all aspects of accounting and financial management. Established and implemented corporate policies and procedures. Managed budgeting responsibilities including budget planning and variance analysis. Developed and presented financial reports to management. Aided the Chief Financial Officer with venture capital financing, business plan development, and financial analysis. Interfaced with the Board of Directors.
· Supervised and trained a team of staff accountants in daily job responsibilities, which ensured proper handling of all financial and accounting transactions.

RAYMONDSON, INC. – Boston, MA
1998 to 1999
Associate Accountant
Provided exceptional level of support concerning accounting initiatives. Assisted in accounts receivable and accounts payable functions.
· Contributed to the success of performance improvement initiatives established by management, which resulted in maximized profit levels.

SBC INTERNET COMMUNICATIONS – Cambridge, MA
1997 to 1998
Accountant
Spearheaded financial management functions on a daily basis including asset management, cash flow management, and expense reporting.
· Played a key role in improving financial reporting processes within the organization.

AFFILIATIONS

Investment Club of Fitchburg – Founding Member

Kristen Coria - ResumesAP@aol.com - http://www.careerparadigms.com

Drew Sterling
604 Harmony Lane
Pleasantville, CA 94588
(925) 555-1234

PROFILE

Senior Staff Accountant

· With 10 years of accounting experience in manufacturing, commercial property management, and medical industries.
· General ledger expert with an emphasis on month-end account reconciliations, journal entries, and month-end expense analysis.
· Completed 5.5 years in a supervisory role involved in interviewing, hiring, training, staff development, annual performance evaluations, and motivation.
· Proven track record recognizing and implementing improvements in workflow, increasing efficiencies and productivity, increasing accuracy of information, and creating synergy within team management environments.
· Computer skills include Microsoft Office (Word, Excel, PowerPoint, Outlook, Publisher), SAP (Finance/Fixed Assets), Skyline, and MRI.

EXPERIENCE

Staff Accountant
1999 to Present
ATOFINA CHEMICALS, INC. – Crosby, Texas
Maintain full charge general ledger responsibility for an organic peroxide manufacturer with $15 million in expenses. This includes accounts payable, fixed assets, payroll, special construction projects, month-end closings, fixed cost budgeting, and budget analysis. Supervise 2 employees involved in accounts payable and payroll. Interact internally with engineering, local departmental managers, and corporate operations accounting, payroll, tax, and legal departments. Communicate externally with sales tax auditors and outside audit firms. Oversee annual audit for site.
· Oversaw an 8-year audit—involved pulling data, reviewing sales tax payments, building spreadsheets, and providing auditor with information in a timely manner.
· Identified $1 million in obsolete/retired assets during a $38 million fixed asset cleanup currently in progress.
· Setup from 50 to 60 capital projects since 1999—tracked and analyzed payments, verified accuracy, closed capital projects, and posted to fixed assets.
· Coordinated 3 major projects over $5 million each related to incidents and insurance claims—maintained separate sets of books, including claim reconciliation, and insured all engineers followed regulations on rebuild.
· Implemented numerous time efficiency projects to offset a decrease in closing time from 7 down to 2 days, a 70% reduction.
· Created approximately 80 spreadsheets used by management for expense analysis that reduced project time by at least 6 hours each week.
· Developed and implemented an automated fixed cost budget spreadsheet used to track budgets year to year, reducing project time by at least 75%.
· Improved efficiencies by 57% to 64% by creating a month-end report spreadsheet which reduced project time down from 2 weeks to 5 or 6 days.
· Achieved a 40% to 50% decrease in project time by creating automated balance sheet reconciliation spreadsheets.
· Created purchase order tracking spreadsheets adopted by corporate and used division-wide.
· Assigned additional responsibility for cost accounting and researching/correcting errors at month-end due to significant time saved through improved efficiencies.

Project Accountant
1998 to 1999
TRANSWESTERN COMMERCIAL SERVICES – Houston, Texas
Managed month-end closings, financial statement preparations, yearly budgeting, cash management, and all cost reconciliation and journal entries for 7 properties in Houston and New Orleans. Served as 1099 reporting specialist for 120 small entities.
· Saved approximately $30,000 annually by taking on three additional properties, with responsibility for seven after just months into position.

Financial Analyst II/Accounts Payable Supervisor
1997 to 1998
KELSEY SEYBOLD CLINIC – Houston, Texas
Supervised 6 accounts payable clerks and 1 file clerk. Reviewed accounts payable coding and checked production of between 900 to 1,200 invoices weekly. Resolved vendors’ payment issues. Supervised conversion from mainframe system to SAP.
· Developed and implemented check writing and payment procedures to accommodate new SAP system.
· Managed a 7-year balance sheet reconciliation project, supervising 4 temporary employees.

Accountant
1997
DYNACARE HOME HEALTH SERVICES – Lafayette, Louisiana
Tracked cash receipts and disbursements. Managed budgets. Developed and implemented standard operating procedures for all accounting functions. Prepared Medicare/Medicaid billing and cost reports. Interacted with intermediary concerning reimbursements and regulations.

Property Accountant
1996 to 1997
PROPERTY ONE INC. – Lafayette, Louisiana

Insurance Auditor
1995 to 1996
EQUIFAX COMMERCIAL SPECIALISTS – Lafayette, Louisiana

EDUCATION

Bachelor of Science in Business Administration – Accounting (Minor in Business Administration)
1993
UNIVERSITY OF LOUISIANA AT LAFAYETTE – Lafayette, Louisiana

Sandy Hild - TheResumeDoctor@aol.com - http://www.theresumedoctor.com

Chris Fong
604 Harmony Lane
Pleasantville, CA 94588
(925) 555-1234

PROFILE

Senior trust officer with extensive experience working with small to large trust departments with an emphasis on trust administration, trust department management, and business development of investment management services. Specialized background in portfolio management. Familiar with real estate, oil and gas, and mineral interests. Developed and implemented successful campaigns to increase new business and improve bottom-line profits. Designed, organized, and conducted public investment seminars.

EXPERIENCE

Smith Bank and Trust, Galviston, Texas
1999 - 2001
Senior Vice President / Senior Trust Officer
Managed all activities of the trust department with responsibility for personal and employee benefit trust account administration, portfolio management, operations, and business development. Interacted with estate planning attorneys, certified public accountants, financial consultants, investment advisers, and family wealth managers.
• Received excellent trust audit ratings from the FDIC and Texas Department of Banking in 2000 and 2001
• Developed the Alliance Program to provide affluent clients with a wide-range approach to estate planning
• Analyzed and corrected numerous audit exceptions from 1998
• Designed a trust brochure and implemented estate planning seminars for the public

Bank of Galviston, Galviston, Texas
1994 - 1999
Vice President - Private Client Services
Served as a private client manager providing investment management, customized credit and mortgages, trust, brokerage, estate services, and specialized banking for affluent clients.
• Trained private bankers to recognize investment management and trust opportunities
• Originally served as business development manager for investment management and trust services, reported directly to the regional manager of the Private Banking Group, and led a team comprised of a trust officer and an administrative assistant

Bank of Texas, Galviston, Texas
1989 - 1994
Vice President and Trust Officer - Trust Division
Served as statewide liaison officer to international private banking. Interacted and traveled extensively with international private banking officers to Mexico. Solicited non-resident alien investment management business through the use of agencies and offshore corporations and trusts.
• Attained personal fees as high as $204,628
• Contributed to production that was $180,000 over current fee goal and $12.9 million over future fee goal
• Selected to serve as North Texas regional sales manager with 11 direct marketing officers and trust assistants
• Approached to serve as personal trust sales manager and business development officer of the Galviston office with 3 direct marketing officers

North Carolina State Bank, Chapel Hill, North Carolina
1986 - 1989
Vice President and Trust Officer - Capital Management Group
Managed personal trust and employee benefit business in the Piedmont region of North Carolina as business development officer.

Trans-Pacific National Bank, San Fernando, California
1979 - 1986
Senior Trust Officer
Administered up to 75 personal trust accounts involving asset values of $100 million in the Financial Management and Trust Services department of the San Fernando District Trust Office. Developed, implemented, and maintained regional marketing strategies. Worked closely with bank executives and commercial and consumer officers in promoting all trust services and bank products. Settled estates and administered guardianships, in addition to trusts and the performance of agencies.
• Produced over $40,000 in annual revenues in the last six months of 1985

BANK OF ARIZONA, Stacey, Arizona
1977 - 1979
Assistant Trust Officer - Trust Division
Managed multi-million dollar personal trust accounts and solicited new business.
• Served on the Trust Administrative Committee

Remmington Corporation, Stacey, Arizona
1976 - 1977
Regional Manager
Managed the western regional office negotiating with corporate finance directors, assembling and analyzing corporate financial statements, conducting presentations to the Executive Credit Committee, and closing business.

State Bank of Arizona, Dry Creek, Arizona
1973 - 1976
Corporate Trust Administrator

State Bank of Arizona, Dry Creek, Arizona
1972 - 1973
Installment Lending Officer

EDUCATION AND TRAINING

ARIZONA STATE UNIVERSITY, Tempe, Arizona
Management
Bachelor of Science Degree in Management
Bachelor of Science Degree in Political Science

Miscellaneous Training
Tax Analysis I & II
Managerial Development I & II
Leadership Development
Installment Lending
Principles of Bank Operations
Numerous Trust Seminars

Federal Institute of Banking
Basic and Standard Certificates

The LittleField Corporation of North America
The Active Officer Workshop

Cohen and Brown
Numerous Marty Cohen Seminars

LICENSURE

Series 7, 63, 65, and Group I Insurance

PRWRA Sandy Hild - The Résumé Doctor - Theresumedoctor@aol.com - resumespecialist@yahoo.com - http://www.theresumedoctor.com

Sam Sterling
604 Harmony Lane
Pleasantville, CA 94588
(925) 555-1234

Accountant

QUALIFICATIONS

· Outstanding ability to establish and maintain clientele.
· Quickly creates good rapport with co–workers, staff, management, and clients.
· Proficient in QuickBooks Pro, Excel, Word, WordPerfect, Quattro Pro, Access and Windows.
· Excellent working knowledge of Unilink accounting software, Tax Works, depreciation and amortization software.
· Analytical, yet creative; willing to assume responsibility.
· Dedicated—can be counted on to get the job done accurately.
· Bi–lingual—fluent in reading, writing and speaking English and Spanish.
· Hands–on experience with:
· financial statements and analysis
· income taxes
· assets, liabilities and stockholders’ equity
· cost and managerial accounting
· accounting information systems
· tax accounting
· revenue and expenses
· database management

EDUCATION

Idaho State University. Master of Business Administration Degree—Accounting. December 2003.
Idaho State University. Bachelor of Business Administration Degree—Accounting. December 2002.
BYU–Idaho. Associates Degree in Accounting. April 1998.
BYU–Idaho. Associates Degree in Business Management. April 1998.

CC Computer Services & Training. Windows, Word, Excel, Access, PowerPoint, Photoshop, WordPerfect, Quattro Pro, FrontPage and QuickBooks Pro. 1996 to 2002.

Rigby High School. Diploma. May 1993.

EMPLOYMENT

Staff Accountant, Engleson & Capell, Pocatello, Idaho
1999 to Present
Prepared tax returns, financial statements, established and maintained clientele, consulted and advised clients, prepared tax planning, maintained client databases, depreciation and amortization schedules, filed quarterly payroll reports and quarterly sales tax reports. Increased revenue $20,000 within two months of being assigned non–producing accounts.

Intern, Engleson & Capell, Pocatello, Idaho
1998 to 1999
· Prepared tax returns and financial statements.
· Maintained client database using Access.
· Quickly learned new software and instructed other staff members how to use it efficiently.

Accounting Tutor, Idaho State University, Pocatello, Idaho
2000
Tutored and assisted bi–lingual students in accounting fundamentals through intermediate accounting.

Night Auditor/Guest Services Attendant, CottonTree Inn, Rexburg, Idaho
1997 to 1998
Audited daily ledger, cash and credit card sales, made guest reservations, and provided excellent guest services.

Service Representative, Los Angeles, California
1994 to 1996
Arcadia Mission. Utilized leadership, organizational and bi–lingual communication skills.

Instructor, CC Computer Services & Training, Idaho Falls, Idaho (part-time)
2000 to Present
· Teach QuickBooks Pro and Excel to individuals and groups.
· Set up QuickBooks Pro for private and commercial businesses.

Upholsterer, K-Upholstery, Rigby, Idaho (part–time).
1988 to Present
Cost estimates, customer service, collections, and general upholstery work for the office, home, restaurant, automotive and marine industries.

MEMBERSHIPS & AWARDS

· Member, Beta Alpha Psi, The National Honors Fraternity for Financial Information Professionals
· Member, Eta Lambda Chapter
· Placed Nationally in Capstone Business Modeling Simulation
· Eagle Scout, Boy Scouts of America
· On My Honor Award and Duty to God Award

Camille Carboneau - Camille@ccComputer.com - http://www.SuperiorResumes.com

Drew Sterling
604 Harmony Lane
Pleasantville, CA 94588
(925) 555-1234

PROFESSIONAL PROFILE

Banking/Finance Clerical/Customer Service

Dedicated Banking Supervisor/Personal Banker with a progressive background in customer service, cashiering, supervision, and all aspects of client relations. Recognized by management and customers for prompt service, solving banking issues in a courteous and helpful manner, pleasant personality and making customers feel comfortable and attended to. Maintain staff's work schedules, filling in when required. Assure smooth operations of bank facilities and procedures, assist customers with applications and forms and review for accuracy avoiding delays in processing. Consistently receive excellent performance evaluation ratings.

AREAS OF PROFICIENCY

• Detail-oriented Organizational Skills Interpersonal Skills
• Troubleshooting Problem-Solving Motivational Management and Mentoring
• Customer Service Dedication to Excellent Job Performance Team Player
• Staff Scheduling Documenting and Implementing Procedures
• Excellent Communication Skills Training and Staff Development

ACHIEVEMENTS

• Selected to supervise special auditing/trouble-shooting project at bank branch. Researched and determined cash-overs and resolved all outstanding issues resulting in accurate records.
• Received Exceptional Achievement Award for significant contribution to the success of Milwaukee Bank Group 2002, 2001, 2000, 1999

EMPLOYMENT SUMMARY

U.S. SAVINGS BANK, Milwaukee, Wisconsin
1989 - Present
Head Supervisor
1998 - Present
Supervisor
1995 - 1998
Teller/Supervisor - Part Time
1993 - 1995
Teller Supervisor
1989 - 1993

PRWRA Patricia Chapman - CareerPro-Naperville, Inc. - Naperville, Illinois 60563 - http://www.career2day.com - pat@career2day.com - (630) 983-8882 - (630) 983-9021 fax

Dale Wong
604 Harmony Lane
Pleasantville, CA 94588
(925) 555-1234

SUMMARY

Director of Workforce Development with experience in all aspects of accounting and project management. Demonstrated hands-on management style in the development and implementation of strategic plans to ensure company growth. Solid planning and organizational skills in coordinating all aspects of each project from inception through completion. Well disciplined with proven ability to manage multiple assignments efficiently under extreme pressure while meeting tight deadline schedules. Ascertain needs and goals, streamline existing operations, turn around unprofitable functions, envision new concepts and future trends, and follow through with development, direction, and accomplishment. Effectively communicate direction, commit people to action, and convey complex information in easily understood formats. Utilize Microsoft Excel, PowerPoint, and Word software as well as all accounting software.

Specific experience in:

• Marketing Plan Development • Community Leadership
• Governmental Agency Liaison • Business Recruitment
• Financial Management / Analysis • Multi-Site P&L Management
• Project Management • Extensive Marketing Promotions
• Financial and Marketing Training • All Microsoft Software
• Budget Preparation • Governmental Research

EXPERIENCE

Lincoln, Beale, & Frank, Lincoln, KS
1998 - Present
Certified Public Accountant
• Worked with 180 employees to prepare taxes and consult with individual and corporate accounts. Planned best course of financial action for clients within the largest CPA firm in Kansas. Analyzed financial statements and company operations experiencing financial difficulties and formulate recommendations to management. Worked on Business Development Taskforce to generate additional business for firm.

Goldman and Frank Consulting, Topeka, KS
1995 - 1998
Appraiser / Independent
• Prepared automobile accident estimates, obtained salvage values, prepared fair market value of cars when vehicle was considered total loss. Serviced all of Kansas as independent contractor. Assisted adjusters with claim settlements. Territory was expanded due to timeliness and quality of work.

EDUCATION

Kansas Community College, Kansas City, KS
B.S., Accounting

DEMONSTRATED LEADERSHIP

Graduate, Leadership Kansas Class XVI
Member, Knights of Columbus
Diplomat, Local Affairs, and Educational Committees, Greater Lincoln Chamber of Commerce
President, Accounting Society
Senator, College of Business Administration

PRWRA Laurie Roy - PRWRA President - http://www.prwra.com - laurie@prwra.com

Kerry Cordova
604 Harmony Lane
Pleasantville, CA 94588
(925) 555-1234

Career Profile

Tax Audit Professional with twenty-six years of comprehensive experience ensuring that government obtain correct taxes due from businesses and individuals by reviewing tax returns, conducting audits, identifying taxes payable, and collecting overdue tax dollars. Comprehensive and substantial knowledge of all facets of state taxes, compliance, and audit management.

Professional Experience

LOUISIANA DEPARTMENT OF REVENUE, Baton Rouge, LA
1977 to Present
Director, Field Audit Services Division, Revenue Tax Director II, Baton Rouge, LA
1997 to Present
Direct and coordinate the entire field audit program and post audit review unit of the Louisiana Department of Revenue. Supervise 180 employees in the largest division in the Department of Revenue with Field Auditors located in eight regional offices throughout the state and in two district offices (Houston and Dallas), and field auditors in New Jersey, Virginia, Atlanta, Chicago, Tulsa, Oklahoma City, San Francisco, and Los Angeles. Audit review division receives the audits from the field auditor staff and sends taxpayers proposed assessments or refunds based upon audit results. Review protests from taxpayers regarding audit findings. Project future audit collections for the Department of Revenue.

Selected Accomplishments:
· During the past four years, the field audit services division has collected more than $506 million of underreported taxes than in any other four-year period during the existence of the Department of Revenue, despite having few field auditors, due to budget cuts.
· Conduct approximately 1,800 field audits annually.
· Personally performed a corporate income tax audit that resulted in the state collecting $25 million in underreported taxes, interests and penalties, one of the largest amounts ever collected from a single taxpayer as a result of an audit.
· Committee member that selected and is currently implementing a new core software to account for tax collection functions - will take approximately three years to be fully designed and implemented at a cost of $14 million.

Revenue Audit Manager, Lafayette, LA
1991 to 1997
Directed and coordinated tax audits conducted by the Lafayette Regional office of the Louisiana Department of Revenue.

Revenue Senior Agent / Supervisor, Lafayette, LA
1987 to 1990
Conducted audits of large multi-national corporations and supervised work of revenue agents/auditors.

Revenue Agent / Field Auditor, Lafayette, LA
1977 to 1987
Conducted examinations of taxpayers’ financial statements, accounting records and tax reports to determine correct tax liabilities.

Education

UNIVERSITY OF LOUISIANA-LAFAYETTE, Lafayette, LA
Master of Business Administration, 1980
Bachelor of Science in Business Administration, 1977

Activities

Guest Speaker, Dallas Area Tax Administrators, 2002

Testify on behalf of the Department of Revenue at the Louisiana Board of Tax Appeals and Legislative Committees

PRWRA
Judy Arabie - Just Your Type, Inc. - Résumé Manager - http://www.justyourtype.com - resumes@justyourtype.com

Pat Hernandez
604 Harmony Lane
Pleasantville, CA 94588
(925) 555-1234

SUMMARY

Highly regarded Trust Specialist with 26 years experience in financial management in an extremely competitive industry. Proven ability to implement strategies that improve client services and increase revenue stream. Analytical and organized; with ability to identify needs and implement effective solutions. Skilled at matching client and financial advisor to assure a "good fit" and high rate of closings. Dynamic leader, strongly committed to working with colleagues to achieve corporate goals. Areas of expertise include:

• Customer Development • Marketing/Business Development
• Trust Management • Customer Retention Strategies
• Mutual Fund Sales Management • Asset Management
• High-Level Relationship Management • Maximizing Productivity & Profits
• Internal Management

PROFESSIONAL EXPERIENCE

Ferndale Corporation, Appleton, WI
1998 - 2001
Vice President/Manager
• Recruited to oversee sales and marketing strategies for eight offices located in Wisconsin; worked with CPAs, accountants, and support staff.
• Marketed and set up Investment Agency accounts, IRA rollovers, asset allocation mutual fund investment accounts, and individual-invested accounts.

Significant Accomplishments:
• Coordinated efforts with a cross-functional team to develop models and processes that ensured compliance with the State Controller; set up broker-dealer department within eight months (a record in the industry). Managed $10 million in assets.
• Personally secured $100 million to establish Trust Company; worked closely with manager in start-up of the business.

Acme Bank Trust Company, Appleton, WI
1993 - 1998
Vice President/Manager
• Marketed, sold, and administered mutual fund line of products to corporations setting up employee 401(k) and 501(c) 9 benefit plans.
• Coordinated and managed administrative processes; analysis and development of procedures and programs. Met with company personnel to explain plans' benefits and processes.
• Interfaced with companies' human resource and benefits administration departments, and senior level management; developed extensive account relationships with personal service and trust.

Significant Accomplishments:
• Tripled annual quota of $100,000 ,with an IM&T Percentage of Annual Plan of 308.73% year-end 1998.
• Assured current fee new business of $300,000-plus each year. Through productive business relationships, lead in sales of retirement plans.

Helix Bank, Appleton, WI
1982 - 1993
Vice President Sales
• Directed sales, marketing, and operations, including P&L responsibility for company's trust products and services.

Significant Accomplishments:
• Achieved growth of total office revenue from $249,000 in 1982 to $980,000 in 1993 for a $70 million bank.
• Created sales strategies to produce $400,000-$500,000 million in corporate cash management within three years.
• Met and exceeded all quotas; successfully qualified on a yearly basis for the President's Club in total sales; cited for achieving more awards for top percentage of stated goals and top dollar sales than anyone in the company's history.
• Consistently increased revenues; signed up 80 businesses first year, 120 in second year, totaling 200, with significant increases each additional year; secured $2,000+ in annual revenue per business.

Jaybird Insurance Companies, Wausau, WI
1976 - 1982
Employee Benefit Consultant
• Worked closely with companies' benefit administration departments/individuals providing sales support for group health and life plans, individual life products, corporate retirement plans (401(k), 501(c) 9), and pension plans.

Significant Accomplishments:
• Attained national record for top number of retirement plan sales within a one-year period, first in company's history.

EDUCATION/CERTIFICATION

UNIVERSITY OF WISCONSIN, Oshkosh, WI
1978
B.A., Business
Beta Gamma Sigma Fraternity / Member National Business Honor Society

Certified Employee Benefit Specialist (C.E.B.S.)

PRWRA Kathy Hadley - Kathryn Hadley & Associates - E-mail: khanda2001@aol.com