Michael St. Cyr
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
Providence, RI
12.2023 - Current
- Manages databases for each facility's financial usage data, which includes pivot table data by month, instrument, hours/runs, amount invoiced.
- Coached, mentored and trained team members in order to improve their job performance.
- Conducted regular meetings with staff to discuss progress and identify areas of improvement.
- Resolved conflicts between employees by providing guidance on company policies and procedures.
- Prepared comprehensive financial statements for administrative review, aiding in effective decision-making processes regarding growth opportunities and resource allocation.
- 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- Contractor
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.
Underwriting Manager
First Home Bank
02.2021 - 11.2022
- Managed a team of underwriters to ensure accurate and timely processing of applications.
- Prepared periodic reports on application status updates for management review.
- Provided guidance and support to junior underwriters in decision-making processes.
- Coordinated with sales staff to develop strategies for addressing potential risks associated with clients' requests.
- 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
- Performed credit reviews on corporations to assess financial conditions
- Conducted presentations to upper management and executive teams for loan recommendations
Underwriter III
Santander Bank
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
- Quantitative and qualitative analysis
- Financial Modeling
- Budgeting and financial management
- Staff leadership and development
- Exceptionally organized
- Customer relationship development
- Performance Management
- Sales Planning
- Pipeline Management
- Staff Management
Timeline
Financial Manager, Cores
Brown University
12.2023 - Current
Underwriting Manager
First Home Bank
02.2021 - 11.2022
Underwriter III
Santander Bank
07.2018 - 01.2021
Financial Analyst
Ancillary Financing, Rhode Island Housing
09.2015 - 06.2018
Senior Associate, Fund Accountant- Contractor
State Street Bank & Trust
1 2023 - 12.2023
BA in Business Management -
Johnson & Wales University
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