Michael St. Cyr
Financial Manager
Warwick,RI
Summary
Ambitious Financial Manager determined to continually exceed expectations. Willing to take on added responsibilities to achieve desired results.
Overview
9
9
years of professional experience
Work History
Financial Manager, Cores
Brown University
12.2023 - Current
- Manages databases for each facility's financial usage data, which includes pivot table data by month, instrument, hours/runs, amount invoiced.
- Prepared comprehensive financial statements for administrative review, aiding in effective decision-making processes regarding growth opportunities and resource allocation.
- Develop annual budgets for the 5 cost centers
- Financial reporting, analysis, and forecasting for the core research facilities.
- Develop consistent and timely billing practices for the core research facility usage.
Senior Associate, Fund Accountant
State Street Bank & Trust
1 2023 - 12.2023
- Responsible for monthly financial close activities, including preparing journal entries and account reconciliations
- Calculation of Net Asset Values
- Processing of trades, cash, income and expenses on a daily basis
- Review of underlying portfolios
- Kept accounts current with updates about posted payments and outstanding balances
- Coordinated funds transfers between different types of accounts and at outside institutions
- Analyzed data and developed reports to inform operational strategy and decision-making.
Senior Analyst
Bayfirst National Bank
02.2021 - 11.2022
- Evaluated customer credit data to determine level of risk involved in money lending
- Reviewing financial statements provided by applicants to ensure that they accurately reflect all assets and liabilities
- Performing risk analysis to determine whether a loan is likely to default based on current market conditions
- Ability to meet production, quality and service standards along with providing direct coaching and feedback to ensure quality
- Performed credit reviews on corporations to assess financial conditions
- Conducted presentations to upper management and executive teams for loan recommendations
- Identified improvement opportunities to effectively meet customer and business needs.
Underwriter III
Santander Group
07.2018 - 01.2021
- Underwrote, managed and serviced profitable book of business
- Analyzed credit, income, compliance, title documents and appraisals during underwriting process
- Conducted comprehensive analysis and evaluated risk to control underwriting loss
- Inspected financial statements, credit information and title data to complete underwriting process
- Monitored underwriting teams performance and provided mentoring to achieve personal and department production goals
- Understanding of credit and an ability to review complex financial documents
- Assess an individual's creditworthiness while adhering to all regulatory and compliance requirements
- Meet production, quality and service standards along with providing direct coaching and feedback to ensure quality.
Financial Analyst
Ancillary Financing, Rhode Island Housing
09.2015 - 06.2018
- Analyze and report on the cost of goods sold and other expenses
- Prepare and analyze cost estimates for new products and services
- Monitor and analyze inventory levels and costs
- Manage daily operations of the assigned program to ensure that project underwriting & funding recommendations and developments are in accordance with applicable policies and program guidelines
- Monitor budgets; approve expenditures and compile appropriate financial reports for various programs in an accurate and timely manner
- Track eligible expenditures and monitor draws and disbursements.
Education
BA in Business Management -
Johnson & Wales University
Providence, RISkills
Lending regulations
Sales Experience
Underwriting
Reporting capabilities
Data Analysis
Risk Analysis
Financial Analysis
Advanced Microsoft Excel
Power BI
Salesforce Experience
Budgeting and financial management
Timeline
Financial Manager, Cores
Brown University
12.2023 - Current
Senior Analyst
Bayfirst National Bank
02.2021 - 11.2022
Underwriter III
Santander Group
07.2018 - 01.2021
Financial Analyst
Ancillary Financing, Rhode Island Housing
09.2015 - 06.2018
Senior Associate, Fund Accountant
State Street Bank & Trust
1 2023 - 12.2023
BA in Business Management -
Johnson & Wales University