Summary
Overview
Work History
Education
Skills
Websites
Accomplishments
Professional Development
Reading, watching documentary, volunteering and curious to learn new cultures
Timeline
Generic

Frederick Tulay

Charlotte,NC

Summary

Diligent and driven professional who has achieved success in a variety of roles with increasing levels of responsibility. An effective communicator and team-builder with strong analytical, management and organizational skills. A solid leader who successfully followed through with team goals and expectations. Skilled at learning new concepts quickly while working well under pressure. Ability to multi-task, organized and very detailed oriented. Excellence customer service with proven results in face-to-face, online and call center environments. Proficient knowledge in Microsoft tools (Word, Excel, PowerPoint, Access, Outlook, etc.), etc. Enterprising Financial Analyst with proven success in recommending appropriate financial plans based on accurate data collection, financial monitoring and business strategizing. Expertise includes financial analysis and reporting, contract management and forecasting. Develops and maintains high standards of quality and issue resolution through effective financial planning. Adept at utilizing top-of-the-line communication skills to build and foster long-term relationships.

Overview

24
24
years of professional experience

Work History

Commercial Banking Portfolio Associate

Wells Fargo Bank NA (Commercial Investment Bank-CIB)
08.2022 - 03.2024
  • Research complex financial and credit information for commercial customer loan packages according to standards within Commercial Real Estate Portfolio Management
  • Investigate credit standards and determine credit worthiness of loans
  • Participate in the underwriting and review of loans
  • Collaborate and consult with managers, functional colleagues, and stakeholders including internal as well as external customers
  • Receive direction from supervisor and exercise independent judgement while developing understanding of function, policies, procedures, and compliance requirements
  • Prepare weekly Portfolio Management Tool (PMT) report (the report aggregate Asset Managers loans portfolio to apprise senior management)
  • Research the Strategy System and produce daily loans delinquency report for Asset Managers and senior management loans payment tracking
  • Organized and setup weekly portfolio management calls with loans’ modification report
  • Research performance of loans through benchmark Risk Rating Methodology of Borrower Quality Rating (BQR), document grade changed recommendation for underperforming, performing, and overperforming loans assigned grade rating
  • Underwriting reviews the recommendations, approved, or denied changed recommended
  • Track monthly loans paid-off, new loan(s) funded and future advances to appraise upper management with the performance of each Asset Manager’s portfolio
  • With support from Data Analytics Group, research Market Data for each loan portfolio in each geographic location and information saved in each loan portfolio shared folder
  • Performance other responsibilities as assigned by management
  • Document and track each new loan funded and future advance approved and apprise senior management monthly with this information.
  • Enhanced portfolio performance by conducting detailed research and thorough analysis of investment opportunities.
  • Contributed to the growth of client assets through effective management of various investment portfolios.
  • Optimized asset allocation strategies by continuously monitoring market trends and adjusting risk exposure accordingly.
  • Developed strong relationships with clients by providing timely updates on portfolio performance and addressing any concerns or queries.
  • Collaborated with senior management to develop long-term investment strategies, supporting the achievement of organizational objectives.
  • Improved operational efficiency by streamlining internal processes and implementing best practices for portfolio management.
  • Managed risk effectively within portfolios, ensuring compliance with established guidelines and regulatory requirements.

Corporate Trust Review Analyst III

U. S. Bank Global Corporate Trust (Wealth Management)
12.2016 - 04.2022
  • Independently reviewed corporate deals and setup using various systems, governing documents; make approvals and rejection base on careful and detailed consideration of acceptable criteria unique to each account
  • Used various communication tools, emails, telephone, etc
  • To communicate with internal and external clients to resolve compliance issues
  • Monitored tickler system for compliance requirements, performing research and resolving items to satisfy our obligations and protect the interests of all parties by minimizing risk of occurrence of a trigger event due to noncompliance with governing documents
  • Performed quarterly assurance review for new accounts to mitigate risk to bondholders and the bank, through review and interpretation of governing documents unique to each account, to confirm the system accurately populated in accordance with transaction governing documents, established procedures and pertaining regulations to ensure governing covenants are adhered to over the life of the account
  • Respond to internal and external customer inquiries in an accurate and timely manner
  • Base upon research, provide direction to both internal and external customers for resolution, ensuring compliance with the governing documents and adherence to the bank’s policies and procedures
  • Focus on operational quality and problem resolution that coincide with the intent of the bank’s culture of responsibility
  • Maintained a current level of industry knowledge and comply with all company policies and procedures and applicable government regulations that may allow for participating in the Best Practice project team
  • Identified, compile and monitor ‘at risk’ accounts on the “Cure Letter Tracker” for senior management review
  • Escalate items that need management resolution
  • Provided weekly update to the Southeastern team on ‘at risk’ dissemination ticklers for various accounts and Trust Review Analyst responsible
  • Processed account terminations on the tickler system in a timely manner in accordance with governing documents and established procedures.
  • Enhanced data accuracy by meticulously reviewing financial documents and reports.
  • Streamlined review processes for increased efficiency and productivity.
  • Collaborated with cross-functional teams to ensure accurate reporting and analysis.
  • Identified discrepancies in financial records, leading to improved internal controls.
  • Conducted comprehensive analyses of complex data sets for better decision making.
  • Developed customized reports for management, addressing specific business needs and questions.
  • Provided guidance to junior analysts, fostering a collaborative team environment.
  • Reduced errors in financial reporting through diligent attention to detail and thorough verification processes.

Operations Analyst III

Wells Fargo Real Estate Technical Services (RETECHS)
07.2012 - 12.2016
  • Worked with the Bank commercial Loan origination team on a client commercial real estate acquisition or construction
  • Used various commercial real estate programs to setup the project profile and followed through from beginning until closing
  • Received loan documents for clients, evaluate the document and identified a vendor from our list of qualified real estate appraiser to review the project through a competitive bidding process depending on the project need
  • Reviewed the appraiser, environmentalist, etc
  • Project assessment, approved or reject the project and send the project back to loan original to approved or reject loan base on our recommendation
  • Approved the invoice for the vendor’s selected and make payment
  • Used various programs to pulled daily projects assigned base Service Level Agreement (SLA) dates
  • Prepared daily report of projects and forward same to manager to track performance/productivity
  • Worked on other assigned projects and participated on weekly conference calls to determine progress from various offices within the footprints.
  • Optimized operational efficiency by analyzing and streamlining processes.
  • Improved team productivity by implementing effective workflow strategies and time management techniques.
  • Boosted customer satisfaction levels with thorough analysis of client feedback and timely resolution of issues.
  • Increased cost savings by identifying areas for process improvement and implementing cost-effective solutions.
  • Collaborated with cross-functional teams to develop comprehensive project plans, ensuring timely delivery of key milestones.
  • Reduced risk exposure by conducting thorough risk assessments and developing mitigation strategies.
  • Supported business growth by providing insightful recommendations based on detailed market research and competitor analysis.
  • Strengthened communication between departments, facilitating a seamless flow of information for faster decision-making processes.

Tax Preparer

H&R Block Tax Corporation
01.2012 - 04.2015
  • Reviewed individual and/or Business Tax forms (w2s, 1099s, etc.) and complete tax preparation
  • Analyzed clients’ tax situation base on the allowance selections and advised on best action
  • Submitted individual/Business taxes prepared to the IRS and state revenue office for approval & payments
  • Scheduled intake of clients and support the front desk in daily tabulation of receipts
  • Trained on annual certifications for PTIN renewal (Tax preparer’s annual IRS registration)
  • Projected quarterly tax scenarios for self-employed individuals and small businesses.
  • Increased client satisfaction by providing accurate and timely tax preparation services.
  • Streamlined tax filing processes for clients, ensuring a smooth and efficient experience.
  • Ensured compliance with federal and state tax regulations by staying up-to-date on the latest tax laws.
  • Assisted in resolving complex tax issues, strengthening client relationships and building trust.
  • Conducted thorough research to identify potential deductions and credits for clients, maximizing their returns.
  • Collaborated with colleagues to develop best practices for efficient and effective tax preparation.
  • Reduced errors through meticulous review of financial documents and double-checking calculations.
  • Educated clients on tax planning strategies, helping them save money in future years.
  • Implemented time-saving software tools to automate portions of the tax preparation process, increasing productivity.

Operations Specialist 3

Wells Fargo Bank-Charlotte, NC
10.2007 - 07.2012
  • Processed daily transactional checks for Wells Fargo Charlotte region leading to 99.9% of meeting targeted Service Level Agreement (SLA) daily
  • Reconciled checks files through the Insite System and Dashboard
  • Communicated regularly with relationship management regarding production performance and quality issues relating to checks printing and processing
  • Trained & mentored new associates leading to low turnover and 100% productivity
  • Pulled checks daily for early mailing through various courier services (FedEx, UPS, etc.)
  • Developed daily SLA log to pass on to the next shift (3rd) identifying jobs, quantity to be processed and statuses
  • Initiated point of escalation for any checks related issues including missing items, etc to upper management.
  • Improved operational efficiency by streamlining processes and implementing new systems.
  • Reduced costs for the department by identifying areas of improvement and proposing cost-effective solutions.
  • Enhanced team productivity with effective communication strategies and regular performance reviews.
  • Boosted customer satisfaction, addressing client concerns in a timely and professional manner.
  • Developed and maintained strong relationships with vendors, ensuring quality service at competitive prices.
  • Collaborated across departments to identify opportunities for process improvements and increased efficiency.
  • Oversaw day-to-day operations, delegating tasks appropriately to ensure smooth workflow and timely completion of projects.
  • Analyzed data to identify trends and make informed decisions, driving continuous improvement in operations.

Reconcilement Analyst

Wachovia Bank, NA –Charlotte, NC
06.2000 - 09.2007
  • Adjusted customers' deposits using the Document Correction System (DCS) with100% completion of daily work on schedule
  • Executed financial due diligence in accessing customers accounts, made debit/credit adjustments as deemed necessary and advised client on correction made to their accounts
  • Performed extensive analytical calculations, including a complete audit of customers’ accounts and validate tellers' transactions
  • Researched customers complaints arising from adjusted accounts and responded appropriately to limit client impact
  • Maintained a professional attitude in discussing customers account(s) and impact.
  • Identified trends and patterns in large datasets, leading to actionable insights for business growth.
  • Increased efficiency by streamlining data analysis processes and implementing automation tools.
  • Enhanced team collaboration by providing clear communication of complex findings through visualizations and reports.
  • Evaluated the effectiveness of marketing campaigns using advanced statistical techniques, resulting in improved return on investment.
  • Assisted in decision-making processes by presenting accurate, data-driven recommendations to stakeholders.
  • Reduced operational costs with thorough analysis of vendor performance metrics and contract negotiations.
  • Supported company expansion efforts through careful market research and competitive landscape assessments.
  • Optimized resource allocation by conducting thorough cost-benefit analyses on potential investments.

Education

Master of Science in Finance: Strategic Leadership of Value and Risk, MSF - Finance, Value Risks And Leadership

Bellevue University
Bellevue, NE
06.2016

MBA, Corporate Accounting - Accounting And Business Management

Capella University
Minneapolis, MN
07.2012

Bachelor of Arts - Political Science

University of North Carolina At Charlotte (UNCC)
Charlotte, NC
08.2009

Skills

  • Trading strategies
  • Portfolio Management
  • Asset Allocation
  • Economic forecasting
  • Due diligence
  • Equity research
  • Microsoft Excel
  • Derivatives knowledge
  • Fixed Income Analysis

Accomplishments

  • Successfully led the revitalization of the Liberian Community Association of Charlotte, a community based non-profit organization catering the welfare of immigrants in the Charlotte, NC Metro.
  • Through collaboration with churches and other organizations in the community, helped newly arrived immigrants with job search and place.
  • Left over $40,000.00 in the organization's coffers after inheriting just $4000.00 within an eighteen months period.
  • Applied for two sets of grants with the local goodwill community to fund food, utilities and rent assistance for those impacted during the COVID-19 period.

Professional Development

  • Liberian Community Association of Metropolitan Charlotte, Interim Chairman/President, 07/15/2018, 01/14/2020, Led the organization through reorganization and transition to an elected leadership, Organized & arranged meetings venues, created an agenda and chaired all meetings, Organized programs to raise funds for the organization activities, Worked along with the Board to reach members who have stayed away from the organization, Attended other community activities representing the organization including at funerals, funds raisers, etc., Supervised the leadership team including Financial & General Secretaries, Treasurer, Managed the organization financial accounts; designed budgets to meet target goals., Participated in other activities of the community, etc., Through collection of members dues and programs activities, raised about $40,000.00 before leaving office
  • Lofa County Association of the Carolinas (LOCAC), Vice President, January 2009, 2017, Coordinated activities, identified, and created a registry of immigrants from Lofa County, Liberia, West Africa residing in the Carolinas., Organized community programs to raise funds to assist members; annually donated cash and schools’ materials to needed schools in Lofa County, Liberia (West Africa)., Partnered with community organizations in the Carolinas, US and the Liberian Embassy in Washington DC; organized befitting programs for Liberian immigrants in the USA, Headed a team that successfully filed documents with the state of North Carolina to grant recognition and registration for the association as a non-profit organization., Teamed annually with state chapters of the Federal of Lofa Association in the Americas (FLAA) to organize benefiting programs in different municipalities across the US to create awareness, educate members and friends about conditions in Liberia.
  • Capella University, Capella Ambassador, 2010, 2012, Engaged via social media, email, etc with perspective learners to share insights and experiences about Capella, helped prospective learners make informed decisions about pursuing higher education at Capella University., Completed ten referrals of learners with seven admitted as students and all completed various degrees at Capella
  • Wachovia Community Engagement for employees, Reading First Volunteer, 2005, 2009, Read stories books to elementary schools to encourage and help students develop early reading skills and interest, Partnered with administration and teachers for selected books to be read to students in class during school hours
  • United Nations High Commissioner for Refugees (UNHCR), Danane, Cote d’Ivoire, Relief Enumerator/Registrar, 1994, 1999, Registered incoming refugees fleeing from Liberia conflict into Cote d’Ivoire (Ivory Coast), Arranged for accommodation into shelters constructed by the UNHCR, Distributed relief items (food, clothing, household utensils, etc), Assessed medical conditions and made referrals to local clinics and general hospital based on assigned physicians assessment, Conducted basic dissemination workshops on the rights of refugees and respecting the laws of local communities as refugees, Visited other displaced camps, conducted refugees census and notified the appropriate head department

Reading, watching documentary, volunteering and curious to learn new cultures

My favorite movie is "Coming To America" by Eddie Murphy.  The story catalogued the journey of a prince in a new country in search of a bride and the struggles he endured to find Lisa. 


The documentary are also stories of immigrants who came to this country without anything, but worked hard to built prosperous lives for they and their children. This is the story of America where there are possibilities for anyone who work hard, respect the laws and are driven for success.

Timeline

Commercial Banking Portfolio Associate

Wells Fargo Bank NA (Commercial Investment Bank-CIB)
08.2022 - 03.2024

Corporate Trust Review Analyst III

U. S. Bank Global Corporate Trust (Wealth Management)
12.2016 - 04.2022

Operations Analyst III

Wells Fargo Real Estate Technical Services (RETECHS)
07.2012 - 12.2016

Tax Preparer

H&R Block Tax Corporation
01.2012 - 04.2015

Operations Specialist 3

Wells Fargo Bank-Charlotte, NC
10.2007 - 07.2012

Reconcilement Analyst

Wachovia Bank, NA –Charlotte, NC
06.2000 - 09.2007

Master of Science in Finance: Strategic Leadership of Value and Risk, MSF - Finance, Value Risks And Leadership

Bellevue University

MBA, Corporate Accounting - Accounting And Business Management

Capella University

Bachelor of Arts - Political Science

University of North Carolina At Charlotte (UNCC)
Frederick Tulay