PETER TOMA                                                                                                                                                           

Mission Viejo, CA 92692                                                                                                                                                                                                                     949.525.1580

·    Financial Statement Analysis
·    GAAP Accounting
·    Ad-Hoc Reporting
·    Financial Modeling
·    Treasury Management
·    Investor Reporting
·    Budgets & Forecasts Reconciliations
·    ACH/Wire Transfers Payments
·    Oracle Testing and Implementation
·    Bank Account Reconciliations
·    Variance Analysis
·    Streamlining Process and Procedures
·    Commissions Analysis
·    Cash Flow Forecasting
·    Collaborative Mind Set

Loan Snap, Inc. – Costa Mesa, CA                                                                                                                                                                                      August 2020 – Current

Senior Capital Markets Analyst (Pricing)

·   Review, lock, extend and revise all mortgage loan rate lock requests submitted by mortgage bankers and operations team members.

·   Analyze and resolve all associated pricing discrepancy requests with operations and sales team associated with the managed loan pipeline.

·   Assist in implementing new pricing methodologies with management to help optimize gain-on-sale and identify revenue inconsistencies.

·   Create, manage, and deliver reporting needs utilizing Microsoft Access for operational requests and completing daily task deliverables.

·   Closely monitor debt market fluctuations on MBS LIVE to help determine optimum sell pricing and execution of funded loans.

·   Assist in managing TBA hedge positions by determining if pair-out adjustments or purchase of additional short positions are needed to help mitigate market risk exposure.


TENET HEALTHCARE – Anaheim, CA                                                                                                                                                                                     July 2019 – July 2020

Senior Analyst (Managed Care)

·   Researched and resolved impatient and outpatient billing payment discrepancies with insurance carriers in a deadline driven environment.

·   Responsible for loading healthcare contracts into the nThrive ERP system, auditing contract data uploads and facilitating corrections and updates on outstanding issues with our partner revenue cycle management team.

·   Supported management and healthcare plan negotiators by building financial models to help illustrate and ensure the rate quotes received from the healthcare providers are market competitive before negotiations are completed.

·   Updated fee schedules based on insurance carriers revised contract terms and promptly delivered financial package to insurance providers within the agreed upon timeframe.


INDEPENDENT CONSULTANT                                                                                                                                                                                              July 2015 – July 2019

Clients Include: SC Fuels, Capital Group, HCP, Inc. and United Health Group

SC Fuels / Financial Analyst – 6 Months

·   Supported the financial operations team in the testing of financial data against Oracle database output identifying variances and making appropriate adjustments across multiple business units.

·   Reviewed dashboards and financial metrics capturing data inconsistencies and assessed best practice approaches with management team.

·   Analyzed and extracted various sections from the P&L statement creating excel templates and uploading changes within Oracle Essbase.

·   Facilitated backend script updates with Oracle admin team during implementation process updating changes and assuring output accuracy.

Capital Group / Senior Analyst – 18 Months

·   Provided financial accounting support for the Investment Global Portfolio Accounting Division.

·   Collaborated with team members on month-end close cycle to resolve any outstanding items to meet strict deadlines.

·   Reviewed daily time-sensitive cash projections identifying outstanding account-level variances and assuring issue resolution.

·   Researched and resolved out of tolerance security price discrepancies and coordinated with account owners on appropriate actions to take.

·   Reconciled daily and monthly security assets with bank statements; adjusting for market value differences, fees/expenses, accrued income, account receivable/payable and finalizing accuracy to all client-facing comments.

·   Reviewed all buys/sells of foreign currencies, projected cash balances and accurate exchange rates are reflected prior to releasing trade.

HCP, Inc. – Senior Associate / Financial Operations – 12 Months

·   Provided financial support to ensure appropriate data is received to execute deliverables for a publicly traded REIT.

·   Prepared and reviewed financial statements received from healthcare operators for format consistency and edited Excel formulas for templates accommodating file changes.

·   Worked with large data sets to create meaningful presentations within Salesforce enabling informed, executive-level financial decisions.

·   Reviewed client level financial statements vs. HCP’s forecasts utilizing Oracle’s Hyperion/Essbase to identify and adjust for discrepancies.

·   Managed month-end closing process by reviewing journal entries and supporting documentation ensuring deadlines are met.

United Health Group (Optum Rx) / Financial Consultant – 12 Months

·   Provided financial and accounting support for the United Health Group pharmacy division – OptumRx.

·   Created pivot tables to report commissions and memberships sales utilizing SQL and Microsoft Access to report to senior management.

·   Prepared monthly accruals, reconciled GL accounts, and worked with various departments to identify month-end carryover adjustments.

·   Reviewed and analyzed the income statement account balances and identified necessary adjustments to allocate and record expenses to appropriate cost centers.


Selected Accomplishments:

·   Finalized processes and procedures for departmental cross training and assured audit accounting controls are in place.

·   Preformed monthly fluctuation analysis on operator financials and metrics by reconciling discrepancies and facilitating updates.

·   Developed Power BI dashboards and monthly reporting packages identifying trends to provide financial insights to business managers.

·   Uploaded and reconciled monthly budget actuals vs. forecasts identifying variances and making necessary adjustments.

·   Carried out process improvements such as Ad-Hoc reporting automation to help optimize month end financial reporting.



RUSHMORE LOAN MANAGEMENT SERVICES LLC – Irvine, CA                                                                                                                    May 2013 – June 2015

Senior Accounting / Treasury Analyst – 80% Accounting/20% Finance

·   Researched and reconciled all investor accounting activity and portfolio analysis on non-preforming loans serviced.

·   Managed all aspects of month-end close including posting of journal entries and the researching/resolving of transactional discrepancies.

·   Coordinated all domestic and foreign treasury activity, forecasted monthly accruals for Investor reporting and remittance analysis.

·   Facilitated the opening and closing of bank accounts and maintained documentation based on contractual agreements with investors.

·   Managed daily data warehouse feed containing all account-level activity analyzing cash forecast projection accuracy and liquidity levels.

·   Supported the presentation of all financial information related to the department’s financial results; assessed cause of change and trends relative to projections to ensure a thorough understanding of variance drivers.

Selected Accomplishments:

·   Oversaw implementation projects to help improve and automate processes such as the creation of standardizing ad-hoc reporting tools.


BANK OF AMERICA – Irvine, CA                                                                                                                                                                                            Feb 2011 – March 2013

Accounting / Treasury Analyst

·   Provided financial support on forced lender-placed insurance policies transitioning from Balboa Insurance to QBE Insurance Group.

·   Prepared and inputted journal entries reviewed and reconciled general ledger accounts in preparation of month-end close cycle.

·   Maintained general ledger activity by transferring subsidiary accounts, preparing a trial balance, and reconciling discrepancies.

·   Performed balance sheet reconciliations, account analysis, accrual calculations, and ad-hoc reporting requirement deliverables.

·   Uploaded and reconciled monthly budget forecasts, identified variances, and delivered client facing commentary to upper management.

·   Managed accounting and financial reporting controls assuring strict guidelines are in place for preparation of external audit review.

Selected Accomplishments:

·   Managed all treasury functionalities during completion of acquasition and facilitated all cash management reporting needs.

·   Developed, maintained, and evaluated financial performance by comparing and analyzing actual results with forecasted.


FIRST AMERICAN FINANCIAL CORPORATION – Santa Ana, CA                                                                                                                                   Nov 2009 – Jan 2011

Investment / Treasury Accountant

·   Provided accounting and financial reporting support directly assisting portfolio manager in overseeing $2.4B in fixed income assets.

·   Balanced and reported all daily cash activity and managed all aspects of the month-end close process utilizing crystal reporting.

·   Managed fixed income security trades, money market funds, demand deposit accounts and all treasury functionalities.

·   Facilitated the opening and closing of bank accounts and maintained documentation based on contractual agreements with custodians.

·   Prepared monthly and quarterly management reports (MMR) and Board of Director package for commentary and review.

Selected Accomplishments:

·   Reported and reviewed portfolio performance analysis, reporting polices and general portfolio strategies with senior management.


STATE STREET BANK AND TRUST, Senior Claims Analyst                                                                                                                                               2007 – 2009

PACIFIC LIFE INSURANCE COMPANY, Commission Analyst                                                                                                                                           2003 – 2007



Microsoft PowerPoint, Word, Visio, and Excel (Pivot Tables, Index Match, IF And/Or, H/VLOOKUP’s, Sum If, Text join, Left/Mid/Right, Offset)

Financial Analysis: SQL, Oracle/Hyperion-Essbase and SmartView, SAP, PeopleSoft, Crystal Reporting, Power BI, Salesforce, Tableau

Mortgage/Capital Markets: Encompass, Optimal Blue, Bloomberg, Mortgage Capital Trading (MCT) and MBS Live



California State University, Sacramento, CA

BA – Economics

  • Updated 2 years ago

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