Ron Johnson

Experience

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  Citi

  Oct 1982 - Oct 1989

  Senior Financial Analyst, Mortgage Processing Manager, Mortgage Warehousing Manager

  Ft. Lauderdale, Boca Raton, Miami, and Tampa, FL• Managed budget process for 46 mortgage origination cost centers through forecasting of revenues, salaries and expenses, credit losses, and profitability.• Developed a spreadsheet model for more accurate forecasting of deposit balances, which resulted in more accurate funding of the bank’s treasury function.• Developed and administered a $600 thousand incentive program for mortgage origination personnel, which resulted in an $8 million increase in gross revenue in the second year.• Managed centralized mortgage processing group which processed 500+ loans per month to required service, productivity, and audit standards. Staff size ranged from 22 to 45 people depending on staffing requirements.• Managed 24,000 loan mortgage warehousing operation through development of a PC based inventory control system, which reduced required staff by 56%, from 9 FTE to 4. Show less

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  Ford Credit

  Oct 1989 - May 1992

  Division Financial Analyst

  Tampa, FL• Managed annual budgeting process, along with periodic forecasts as required.• Project manager for the design and implementation of PC based profit analysis models, financial reporting systems, and database systems for reporting sales, managing accounts payable, managing Real Estate Owned, bad checks, and customer service referrals to sales.• Performed due diligence reviews of mortgage loan portfolios for loan purchase, with credit authority to $100,000.

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  Gainesville Regional Utilities

  Feb 1993 - Mar 1995

  Contract Database Design Consultant

  Gainesville, FL• Modified, redesigned, and improved several database information systems (using DataEase) for both the Water Distribution and Waste Water Collection departments.• Designed modules to set up work orders, track labor, material, and equipment costs, provide billing to outside clients, and provide departmental managers with relevant work flow data and costs.

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  American Express

  Mar 1995 - Oct 1996

  Lead Financial Analyst

  Jacksonville, FL• Responsible for Budgeting and Forecasting for client groups within Optima Operations, specifically New Accounts, Plastics, Billing and Payment Services, and the Telephone Service Center.• Developed, recommended, and/or implemented cost saving measures based on analysis of operations.

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  Homeside Lending

  Oct 1996 - Feb 1997

  Director of Operations Planning and Analysis

  Jacksonville, FL• Director of Operations for the Consumer Direct Division, including responsibility for budgeting, forecasting, planning and analysis, reporting, accounting, and logistical support.• Project administrator for American Airlines co-branded agreement, including accounting, reporting, and customer service.

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  American Express

  Mar 1997 - Jan 2003

  Six Sigma Black Belt, Manager of Operations Control, Senior Financial Analyst

  Salt Lake City, UT• Led projects with a focus on process improvement, cost reduction, and improved customer satisfaction.• Led project on reducing keying errors at third party vendor, which reduced expenses associated with rework and card replacements in excess of $1.4MM annually. This project also resulted in significant improvements in customer satisfaction. Received 1999 Quality Partnership Award and 1999 Chairman’s Award for Quality for this project.• Led projects on reducing system logic errors in the processing of New Account applications and on reducing system coding errors in the Merchant Processing Division which reduced operating expenses by $1.3MM.• Responsible for overall capacity planning and volume forecasting functions for the New Accounts Division.• Developed models to optimize the demand forecast for production departments through the use of historical data, productivity standards, regression analysis, etc. The models were instrumental in managing staff to an annualized save of $600K versus budget.• Developed volume forecasting model to more effective reflect actual volume flows by comparing marketing forecasts to actual volumes received over time. This model effectively saved $400K annually through reductions in staffing requirements.• Provided strategic direction on optimizing productivity in the outbound verification department through the analysis of hit rates at various hours of the day across the US.• Developed metrics to track monthly productivity of staff and report on trends. Show less

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  Zions Bancorporation

  Oct 2003 - Dec 2007

  Salt Lake City, UT• Develop consolidated, normalized data sets from multiple source systems, using SAS.• Develop and manage end user reporting through collaboration with end users. • Build sophisticated models addressing subjects such as product profitability, portfolio liquidation, and marketing.• Build process maps of various operations for the purpose of identifying possible failure points in data gathering.• Negotiate changes in those processes with responsible parties to close those gaps. Show less Salt Lake City, UT• Developed process improvements in financial analysis and reporting for a $115M budget for the Technology and Operations Division.• Developed improvements in the areas of metrics reporting, allocation methodologies to affiliate companies, accuracy and reconciliation of financials, and the annual budgeting process.• Built Excel-based financial reporting system that interfaced with Oracle text outputs. This reporting system was distributed across multiple locations in 5 states.• Provided strategic financial consulting for major operational initiatives, such as the outsourcing of a main frame operations center. Show less

  • Credit Risk Analyst III

    May 2005 - Dec 2007

  • Financial Analyst III

    Oct 2003 - May 2005
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  Xerox Services

  Jan 2008 - Apr 2008

  Master Six Sigma Black Belt

  Salt Lake City, UT• Institute a Six Sigma program in the Health Care Services Group, including training, mentoring, and supporting Black Belts and Green Belts• Lead Black and Green Belts in process improvement initiatives for both quality and production in conjunction with the primary client’s priorities.

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  Zions Bancorporation

  Apr 2008 - Aug 2012

  Credit Risk Analyst III

  Salt Lake City, UT• Develop consolidated, normalized data sets from multiple source systems, using SAS.• Develop and manage end user reporting through collaboration with end users. • Build sophisticated models addressing subjects such as product profitability, portfolio risk, and marketing.• Build process maps of various operations for the purpose of identifying possible failure points in data gathering.• Negotiate changes in those processes with responsible parties to close those gaps. Show less

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  Alliance Data

  Aug 2012 - Jun 2020

  Credit Risk Manager

  • Grow and maximize the profitability of a $2B low frequency, private label credit card portfolio.• Manage two teams of 3 credit risk analysts each in Salt Lake City, UT and Columbus, OH.

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  Self-employed

  Jul 2020 - now

  Retired