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Sam Ricardo

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10-H, Shane Avenue, Jackson, MS 44000, United States

Home 333-999-7711, Cellular 333-999-22288

email@

PROFILE

Senior Financial Analyst with expertise in budgeting, forecasting, variance analysis, and ad hoc reporting. Expert at building Excel-based financial models and tools to maximize profits and mitigate risks. Tapped into market and business trends as well as emerging business opportunities. Personal qualities include rigorous, positive, good problem-solver, autonomous, persistent, adaptable, and driven.

CAREER ACHIEVEMENTS

• More than 8 years of broad experience in the financial market.

• Profound ability to undertake difficult mandates and meet tight deadlines.

• Exceptionally organized with great ability to work on multiple projects at once.

• Remarkable ability to work independently and complete tasks with minimal supervision.

• Strong ability to handle sensitive matters with tact, poise, and diplomacy.

EMPLOYMENT HISTORY

Allied Bank Limited, Jackson, MS 2007 to Present

Corporate Financial Analyst

• Responsible for analyzing and preparing fund and income statements, salary schedules, and balance sheets for $7 billion Company and subsidiaries.

• Examined balance sheets, fund and income statement key ratios by making use of trend reports and prepared gap details as well.

• Conferred with personnel concerned to ensure successful functioning of newly implemented systems and procedures.

• Gathered and organized information on problems and procedures.

• Negotiated with credit-rating organizations to improve company’s credit ratings.

• Followed delinquent accounts and implemented the appropriate steps for collection.

Lead Bank Limited, Jackson, MS 2005 to 2007

Assistant Financial Analyst

• Analyzed inquiries for orders, pricing, and marginal profitability.

• Assisted project financial appraisal, risks analysis, and post auditing.

• Handled research initiatives in business development, strategic planning, and marketing.

• Followed delinquent accounts and implemented the appropriate steps for collection.

• Evaluated and reported to senior management special issues related to account risk, industry risk, and country risk.

• Monitored financial activities, including capital budgeting, banking, hedging, risk analysis, and cash flow forecasting.

Ben Corp. Inc., Jackson, MS 2002 to 2005

Accountant

• Supervised Accounts Receivable and Accounts Payable department.

• Conducted month-end transactions, reconciled bank statements, credit card statements, and daily sales.

• Assumed a broad range of responsibilities, surpassing expectations for the type of work usually produced by short-term contract employees.

• Managed ten-person accounts payable department, including independent contractors.

• Assisted in accounts receivable and accounts payable functions.

• Maintained the general ledger, produced budgets, and prepared profit and loss, balance sheet, and cash flow statements.

EDUCATION

State University, Jackson, MS 2002

M.B.A., Finance & Strategic Management

Community College, Jackson, MS 2000

B.A., Commerce

ADDITIONAL SKILLS

• Financial Statement & Ratio Analysis • Investor Relations

• Treasury Operations • Debt & Equity Financing

• Technical Analysis • SAP & ACCPAC

• Financial Modeling • Trend Analysis

• ROI Maximization • Expense Tracking

• Financial Reporting • Budget Process

• Performance Metrics • Price, Cost, & Margin Analysis

CERTIFICATIONS

• Procedural Asset Valuation – Institute of Professional Education, Jackson, MS 2004

AFFILIATIONS

• Member – American Professionals' Association, Jackson, MS 2006

REFERENCES

Available upon request

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