b"Sam Ricardo\n\n10-H, Shane Avenue, Jackson, MS 44000, United States\nHome 333-999-7711, Cellular 333-999-22288\nemail@example.com\n\nPROFILE\nSenior Financial Analyst with expertise in budgeting, forecasting, variance analysis, and ad hoc\nreporting. Expert at building Excel-based financial models and tools to maximize profits and mitigate\nrisks. Tapped into market and business trends as well as emerging business opportunities. Personal\nqualities include rigorous, positive, good problem-solver, autonomous, persistent, adaptable, and\ndriven.\n\nCAREER ACHIEVEMENTS\n\xe2\x80\xa2\n\nMore than 8 years of broad experience in the financial market.\n\n\xe2\x80\xa2\n\nProfound ability to undertake difficult mandates and meet tight deadlines.\n\n\xe2\x80\xa2\n\nExceptionally organized with great ability to work on multiple projects at once.\n\n\xe2\x80\xa2\n\nRemarkable ability to work independently and complete tasks with minimal supervision.\n\n\xe2\x80\xa2\n\nStrong ability to handle sensitive matters with tact, poise, and diplomacy.\n\nEMPLOYMENT HISTORY\nAllied Bank Limited, Jackson, MS 2007 to Present\nCorporate Financial Analyst\n\xe2\x80\xa2\n\nResponsible for analyzing and preparing fund and income statements, salary schedules, and\nbalance sheets for $7 billion Company and subsidiaries.\n\n\xe2\x80\xa2\n\nExamined balance sheets, fund and income statement key ratios by making use of trend reports\nand prepared gap details as well.\n\n\xe2\x80\xa2\n\nConferred with personnel concerned to ensure successful functioning of newly implemented\nsystems and procedures.\n\n\xe2\x80\xa2\n\nGathered and organized information on problems and procedures.\n\n\xe2\x80\xa2\n\nNegotiated with credit-rating organizations to improve company\xe2\x80\x99s credit ratings.\n\n\xe2\x80\xa2\n\nFollowed delinquent accounts and implemented the appropriate steps for collection.\n\nLead Bank Limited, Jackson, MS 2005 to 2007\nAssistant Financial Analyst\n\xe2\x80\xa2\n\nAnalyzed inquiries for orders, pricing, and marginal profitability.\n\n\xe2\x80\xa2\n\nAssisted project financial appraisal, risks analysis, and post auditing.\n\n\xe2\x80\xa2\n\nHandled research initiatives in business development, strategic planning, and marketing.\n\n\xe2\x80\xa2\n\nFollowed delinquent accounts and implemented the appropriate steps for collection.\n\n\xe2\x80\xa2\n\nEvaluated and reported to senior management special issues related to account risk, industry\nrisk, and country risk.\n\n\xe2\x80\xa2\n\nMonitored financial activities, including capital budgeting, banking, hedging, risk analysis, and\ncash flow forecasting.\n\n\x0cBen Corp. Inc., Jackson, MS 2002 to 2005\nAccountant\n\xe2\x80\xa2\n\nSupervised Accounts Receivable and Accounts Payable department.\n\n\xe2\x80\xa2\n\nConducted month-end transactions, reconciled bank statements, credit card statements, and\ndaily sales.\n\n\xe2\x80\xa2\n\nAssumed a broad range of responsibilities, surpassing expectations for the type of work usually\nproduced by short-term contract employees.\n\n\xe2\x80\xa2\n\nManaged ten-person accounts payable department, including independent contractors.\n\n\xe2\x80\xa2\n\nAssisted in accounts receivable and accounts payable functions.\n\n\xe2\x80\xa2\n\nMaintained the general ledger, produced budgets, and prepared profit and loss, balance sheet,\nand cash flow statements.\n\nEDUCATION\nState University, Jackson, MS 2002\nM.B.A., Finance & Strategic Management\n\nCommunity College, Jackson, MS 2000\nB.A., Commerce\n\nADDITIONAL SKILLS\n\xe2\x80\xa2 Financial Statement & Ratio Analysis\n\n\xe2\x80\xa2 Investor Relations\n\n\xe2\x80\xa2 Treasury Operations\n\n\xe2\x80\xa2 Debt & Equity Financing\n\n\xe2\x80\xa2 Technical Analysis\n\n\xe2\x80\xa2 SAP & ACCPAC\n\n\xe2\x80\xa2 Financial Modeling\n\n\xe2\x80\xa2 Trend Analysis\n\n\xe2\x80\xa2 ROI Maximization\n\n\xe2\x80\xa2 Expense Tracking\n\n\xe2\x80\xa2 Financial Reporting\n\n\xe2\x80\xa2 Budget Process\n\n\xe2\x80\xa2 Performance Metrics\n\n\xe2\x80\xa2 Price, Cost, & Margin\n\nAnalysis\n\nCERTIFICATIONS\n\xe2\x80\xa2\n\nProcedural Asset Valuation \xe2\x80\x93 Institute of Professional Education, Jackson, MS\n2004\n\nAFFILIATIONS\n\xe2\x80\xa2\n\nMember \xe2\x80\x93 American Professionals' Association, Jackson, MS\n2006\n\nREFERENCES\nAvailable upon request"