JOSHUA G. GINTING

Business Banking Associate

• Cultivate and maintain strong relationships with business leaders, demonstrating a deep commitment to customer satisfaction.
• Increase portfolio clientele by 54%.
• Effectively manage and grow a diverse business portfolio by identifying opportunities and addressing client needs. $29MM in Deposit, $8.5MM in Loans, 7.5MM in investment balance under management.
• Conduct comprehensive analysis of financial statements and tax returns for various businesses (including commercial real estate), ensuring a thorough understanding of their financial health and cash flow.
• Structure debt appropriately according to borrowing capacity and drafting covenants for company to comply.
• Annually monitor existing debt covenants.
• Proactively build and nurture relationships with business customers to ensure a high level of engagement and trust.
• Serve as a subject matter expert on business banking products, providing guidance and recommendations to clients.
• Perform due diligence inquiries on businesses and their owners to assess risk and compliance.
• Act as a trusted consultant to business owners, offering tailored financial solutions to meet their specific needs.
• Innovatively provide creative and outside-the-box solutions to address unique financial challenges in the banking industry.

Financial Analyst

• Oversee the month-end close process, including preparation of monthly data reporting packages, analysis of key KPIs, and variance analysis.
• Develop forecasting models and lead the planning/budgeting cycle, ensuring flexibility and responsiveness to changes.
• Advise leadership and finance business partners (FBP) on key cost drivers.
• Conduct variance analysis to prior periods and develop recommendations for leadership and FBP.
• Review quarterly performance analytics and reports, presenting findings to leadership.
• Run simulations of various “what-if” scenarios, providing insights and recommending solutions.
• Produce routine and ad hoc financial models to support decision-making.
• Enhance data governance processes to improve data quality and report integrity.
• Facilitate the standardization and sharing of best practices, contributing to continuous improvement of systems and processes.
• Support the preparation of board materials and shareholder reporting requirements.
• Leveraged advanced technology to enhance productivity and ensure the accuracy of financial conclusions, resulting in optimized reporting processes and efficiency improvements of 60% to 80% over five years.
• Played a crucial role in contract renegotiation and pricing, ultimately impacting a contract worth $600 million in gross sales in 2019 and projecting a potential $300 million by 2024.
• Enhanced record-keeping and visibility into budget tracking, variance analysis, and performance measurement by 90% over five years.
• Collaborated extensively with the sales team to provide data-driven insights and performance expectations, resulting in a minimum 20% improvement in actionable insights from budget data.
• Provided recommendations and presented financial insights with clear data visualization to senior management, enhancing decision-making processes.
• Demonstrated expertise in data extraction, manipulation, visualization, and advanced analytical techniques to support comprehensive financial analyses.
• Maintained and improved corporate financial models to forecast, track, and analyze financial performance, ensuring alignment with business objectives.

(Multimedia company consists of non-profit and for-profit segments, offering SaaS, print products, and advertisement services.)

• Constructed and presented monthly sales reports to managers and the CFO.
• Computed and presented KPIs(bookings, ACV, ARR, churn, adoption rates, ASPs), including benchmarking analysis, to managers and the CFO.
• Conducted special studies in support of financial strategy, capital allocation, plan implementation, and corporate growth initiatives.
• Performed financial modeling for project cash flow forecasting and valuations (operating, revenue, and income modeling).
• Analyzed and identified business trends related to product cycles, customer buying habits, spending projections, and operating expense management.
• Managed profit and loss for different operating unit segments.
• Evaluated overall company financial standing and credit worthiness including Weighted Average Cost of Capital(WACC) analysis.
• Led R&D projects for new product opportunities.
• Assisted and complied with CPA firm in all US corporate tax filing and assisted in evaluating optimal tax strategies; support preparation and recommendation.

(First Green Taxi Fleet in Honolulu Focusing on Excellent Customer Service)

• Assisted in supervising and ensuring the achievement of all long and short-term objectives.
• Monitored daily sales with an average value of US$14,000 and a daily growth rate of 8%-15%.
• Identified and resolved issues in accounting, including invoicing, cash management, accounts payable, fixed assets, payroll, and inventory control.
• Manage weekly GL entries for the entirety of company.
• Income & expense forecasting.

• Prepared clients' portfolio reviews.
• Prepared financial data and created Excel spreadsheets for financial advisors.
• Analyzed mutual funds for client selection.
• Review Net Asset Value(NAV) reports in comparison to analyst estimates.
• Developed basic client advising skills.