KAREN LLOYD
Kingston,NH
Summary
Strategic and results-oriented finance leader with 20+ years of experience in Financial Planning & Analysis across healthcare, retail, and technology sectors. Proven success leading budgeting, forecasting, financial modeling, and executive reporting processes. Skilled at partnering with senior leadership to drive data-informed decisions, improve operational efficiency, and align financial performance with organizational goals. Adept at building scalable reporting tools, leading month-end close, and managing high-impact cross-functional initiatives. Trusted with confidential financial data and recognized for consistently delivering actionable insights in dynamic environments.
Financial professional with deep expertise in financial planning and analysis. Skilled in budgeting, forecasting, and financial modeling, with proven ability to drive strategic initiatives and optimize financial performance. Strong focus on team collaboration and achieving results, adaptable to changing business needs. Known for reliability and effective communication, ensuring seamless integration of financial strategies and operational goals.
Overview
32
32
years of professional experience
Work History
Financial Planning and Analysis Manager
BayMark Health Services
02.2021 - Current
- Company Overview: GRANITE RECOVERY CENTERS, Salem, NH
- Lead all FP&A activities including budgeting, forecasting, and KPI reporting across multiple facilities. (14 facilities within US)
- Partner with senior leadership, including Accounting, Facility CEOs and the SVP of Finance, to align financial strategies with business objectives.
- Drive financial performance through robust variance analysis, revenue tracking, and operational reporting.
- Designed dynamic Excel-based financial models and dashboards used in monthly executive and board-level presentations.
- Conduct scenario planning to support strategic decision-making and assess risks and opportunities.
- Manage month-end revenue recognition, billing audit, and P&L reporting by analyzing CPT code accuracy, rate compliance, and census data.
- Oversee confidential payroll analytics, staffing models, and headcount reporting across departments.
Consultant, Sr Financial Analyst
CORETELLIGENT
11.2020 - 01.2021
- Temporary assignment to Prep for 2021 budget. Reported actuals for current and prior year, assisted with 2021 budget scenarios.
Sr Financial Analyst
PLANET FITNESS WORLD HEADQUARTERS
08.2019 - 08.2020
- Ownership of General Administrative Expense (GAE) departments.
- Prepared & owned budget and forecast.
- Reviewed expenses and delivered monthly results.
- Worked closely with the VP of Marketing managing a $62M budget. Performed variance analysis that included intense scenario analysis for the Marketing team during COVID impacts to provide potential threats to Franchise Revenues vs expenses.
- Analyzed data, provided team leaders with latest estimate, and identify potential favorability/un-favorability.
- Performed ad-hoc requests.
- Responsible for PO approval process, including monitoring spent to date and remaining balances.
- Supported monthly closing process and reporting.
- Managed Capital Expenditures
Sr. Inventory Utilization Analyst
THE TIMBERLAND COMPANY
01.2014 - 01.2019
- Provided timely and accurate revenue forecasting for the “ship the month” process. Identified risk and opportunity to the month and quarter.
- Communicated and collaborated with the logistics team and DCs to achieve shipping targets, including most efficient, quickest way to deliver to the customer and provided “pull in” opportunity by customer to assure monthly and quarterly shipping goals were met.
- Developed a robust forecasting tool to analyze Inbound supply impact to the customer.
- Provided month end Inventory results and forecasting for Timberland North America, averaging $135M.
- Analyzed N/A supply position monthly, ensuring accuracy of the planned and bought inventory and provided support to help avoid impact (lead time, exit factory dates, due in DC supply dates).
- Accounted for achieving monthly and annual inventory targets and reconciliation, raising any critical risks and recommendation for mitigation.
- Managed and executed Deferrals while avoiding disruption of customer demand.
- Maintained system data integrity, managed the inventory class code changes by material, inventory transfers.
- Produced and evaluated excess inventory position monthly, offering insight and feedback on ways to mitigate inventory levels.
- Developed a template to calculate inventory ownership for North America.
- Managed Community Service projects and coordinated donations for supplies and food for employees.
National Projects Administrator - Proposal Analyst
SYLVANIA LIGHTING SERVICES
01.2012 - 01.2013
- Generated retrofit quotes for CVS stores, which included building costs for labor and overhead lighting fixtures.
- Provided ROI and rebate incentive for each proposed store.
- Maintained the Master Tracking file for all of CVS, corresponded with the branches to ensure compliance of store projects met deadlines.
- Provided weekly budget updates, project status and reporting to SLS Account manager and CVS management.
Owner – Bookkeeper
LLOYD MANAGEMENT
01.2003 - 01.2012
Sr. Financial Analyst, Retail, Financial Analyst/ Cost Accountant
THE TIMBERLAND COMPANY
08.1993 - 10.2003
Education
Business Administration
New Hampshire College
PortsmouthBookkeeping Certificate
Penn Foster
Skills
- Advanced Excel skills, CMD, KJPU, Word, SAP, PowerPoint, TM1, Hyperion, Brio, Cognos, Microsoft Office Suite, QuickBooks
- Data-driven management reporting
- Strategic decision support
- Revenue recognition
- Scenario analysis
- Teamwork and collaboration
- Time management
- Financial analysis and reporting
Timeline
Financial Planning and Analysis Manager
BayMark Health Services
02.2021 - Current
Consultant, Sr Financial Analyst
CORETELLIGENT
11.2020 - 01.2021
Sr Financial Analyst
PLANET FITNESS WORLD HEADQUARTERS
08.2019 - 08.2020
Sr. Inventory Utilization Analyst
THE TIMBERLAND COMPANY
01.2014 - 01.2019
National Projects Administrator - Proposal Analyst
SYLVANIA LIGHTING SERVICES
01.2012 - 01.2013
Owner – Bookkeeper
LLOYD MANAGEMENT
01.2003 - 01.2012
Sr. Financial Analyst, Retail, Financial Analyst/ Cost Accountant
THE TIMBERLAND COMPANY
08.1993 - 10.2003
Business Administration
New Hampshire College
Bookkeeping Certificate
Penn Foster
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