Silk Hedges
Middletown,DE
Summary
Dynamic financial professional with extensive experience at JP Morgan Chase, excelling in financial planning and analysis. Proven track record in budgeting and forecasting, delivering actionable insights that drive strategic decisions. Strong communicator and collaborator, adept at enhancing financial controls and identifying cost-saving opportunities, ensuring robust financial performance.
Overview
1
1
Certification
15
15
years of professional experience
Work History
Financial Planner
Vista Wealth Solutions
New Castle, DE
11.2024 - Current
- Provide comprehensive financial analysis, cash flow modeling, and strategic planning for individuals, families, and business owners.
- Analyze assets, liabilities, income, expenses, and long-term objectives to develop data-driven financial recommendations.
- Present complex financial concepts and recommendations to clients in a clear, actionable manner.
- Collaborate with attorneys, CPAs, and other professionals to implement financial strategies.
Finance & Business Management Associate
JP Morgan Chase
Wilmington, DE
09.2019 - 02.2022
- Managed planning, budgeting, forecasting, and financial performance for a $50M technology operating budget supporting more than 200 employees.
- Partnered with finance and business leaders to monitor spending, evaluate financial performance, and support strategic decision-making.
- Prepared monthly executive reporting packages, dashboards, variance analyses, and presentations for senior leadership.
- Identified cost-saving opportunities through expense monitoring, trend analysis, and process improvement initiatives.
- Supported financial planning cycles, forecasting updates, and business reviews across multiple stakeholders.
Financial Controller Associate
JP Morgan Chase
Newark, DE
03.2016 - 09.2019
- Supported month-end and quarter-end close activities while maintaining the accuracy and integrity of financial reporting.
- Performed balance sheet reconciliations, investigated reporting variances, and strengthened financial controls.
- Partnered with business and finance teams to resolve reporting issues and improve governance processes.
Business Management & Control Reporting Analyst
JP Morgan Chase
Newark, DE
03.2015 - 03.2016
- Produced recurring executive reporting and performance metrics for senior leadership.
- Analyzed operational and financial trends to support business decisions and improve reporting efficiency.
- Managed reporting timelines while ensuring data quality and accuracy.
Senior Credit Analyst
JP Morgan Chase
Newark, DE
03.2015 - 03.2016
- Analyzed financial data in order to extend credit; income, payment history and overall financial status to determine creditworthiness of credit applicants ability to repay.
- Reviewed credit reports to comprehensively view borrowers' credit history and identify potential red flags.
- Conducted industry research to understand economic conditions impacting borrower ability to repay loans.
Fulfillment Mortgage Underwriter
Bank of America
Newark, DE
02.2013 - 03.2014
- Approved or denied loan applications based on customer creditworthiness.
- Evaluated and ensured overall loan documents are accurate, complete, and compliant.
- Maintained mortgage program compliance with federal agencies such as VA, FMNA and Freddie Mac guidelines.
Mortgage Bank Underwriter
Bank of America
Newark, DE
09.2011 - 02.2013
- Performed complete and in-depth review of mortgage loan files including income, assets, credit and collateral to determine financial strength of credit worthiness of borrowers.
- Issued loan decisions, condition files and identify and/or clear red flags and alerts according with client guidelines.
- Educated Loan Officers and Processors on understanding underwriting decisions and conditions.
- Successfully closed over $100m in loans from 2012 to 2013; working with ~$9.2m average transactions per month.
Education
MBA - Finance
Goldey Beacom College
Wilmington, DE06.2014
Bachelor of Arts - Accounting
Monroe College
New Rochelle, NY06.2011
Skills
- Financial Planning & Analysis
- Budgeting & Forecasting
- Executive Reporting
- Cost Management
- Financial Controls
- Process Improvement
- Microsoft Suite
- Excellent Communication Skills
- Financial analysis
- Customer relationship management
- Cross-functional collaboration
- Effective communication
- Time management
Certification
• Securities Industry Essentials (SIE)
• Series 7 – General Securities Representative
• Series 66 – Uniform Combined State Law
• Life & Health Insurance
• Series 7 – General Securities Representative
• Series 66 – Uniform Combined State Law
• Life & Health Insurance
Timeline
Financial Planner
Vista Wealth Solutions
11.2024 - Current
Finance & Business Management Associate
JP Morgan Chase
09.2019 - 02.2022
Financial Controller Associate
JP Morgan Chase
03.2016 - 09.2019
Business Management & Control Reporting Analyst
JP Morgan Chase
03.2015 - 03.2016
Senior Credit Analyst
JP Morgan Chase
03.2015 - 03.2016
Fulfillment Mortgage Underwriter
Bank of America
02.2013 - 03.2014
Mortgage Bank Underwriter
Bank of America
09.2011 - 02.2013
MBA - Finance
Goldey Beacom College
Bachelor of Arts - Accounting
Monroe College