PETER TOMA
linkedin.com/in/peter-toma-2981596 petertoma@yahoo.com
Mission Viejo, CA 92692 949.525.1580
SUMMARY OF QUALIFICATIONS
· 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
PROFESSIONAL EXPERIENCE
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
SOFTWARE EXPERIENCE
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
EDUCATION
California State University, Sacramento, CA
BA – Economics
To contact this candidate email petertoma@yahoo.com