Haven Chavous

HAVEN A. CHAVOUS Wilmington, DE 19807 - • - PROFESSIONAL EXPERIENCE OneMain Financial (Banking/Lending)Wilmington, DE Quantitative Analytics LeadJanuary 2017 – May 2020 Key source of financial modeling and predictive analytics for publicly-traded lender. Created and maintains predictive statistical models to forecast effects of targeted portfolio acquisitions. Led analytics team efforts to successful completion of three portfolio acquisitions. Said models are standardized methods/tools for future acquisitions. Models are main driver of acquisition decisions. Created and maintains predictive models to forecast delinquencies at all levels of aggregate loan portfolio. Implemented automated delinquency models to enhance level of granularity and analytical sophistication. Said models are standardized methods/tools for delinquency analysis. Models influence operational strategy related to reduction of delinquencies. Created and continually improves robust forecasting process to predict business results of Digital (online application) Team. Built models from ground up to monitor and forecast all business metrics and results. Models are thus far within 90% average accuracy on a daily basis. Models enhanced level of granularity and understanding of factors that influence the Digital business. Created statistical analysis to assess behavioral trends related to customers who apply online and how said behaviors correlate to underwriting outcome. Created robust profitability model for Digital business to predict profitability within all business segments. Assists in creation, optimization and implementation of underwriting strategies. Utilizes statistical methods to find root causes of trends. Develops conclusions and makes recommendations for developing or modifying underwriting strategies. Continually enhances standard reports. Communicate results to Senior Management. Pro Capital, LLC (Real Estate Private Equity)Philadelphia, PA Senior Quantitative/Modeling AnalystJanuary 2015 – January 2017 Sole source of financial modeling and financial analysis for Private Equity Real Estate Investment firm. Created a complex, innovative financial model for 6 unique, individual investment funds. Created five-year Pro-Forma financials for each fund. Created multi-variable sensitivity analysis for each fund to anticipate changes in an array of factors including borrowing base, asset acquisition, and asset redemption. Created modeling mechanics breakthrough to accurately forecast leverage based on targeted cash balance. Created modeling mechanics breakthrough to accurately trigger fund sunset/redemption automatically based on several variables. Presents Fund Performance to Board and Investors on an ongoing basis. Creates all presentation materials for CEO. Creates ad-hoc statistical analysis based on requests from lending banks, board members, and investors. Performs detailed micro-analysis of smaller asset segments/investments within each fun. Creates ad-hoc financial models (macro and micro) of fund and/or asset performance based on strategy discussions. Assists other departments in creating modeling efficiencies for benefit of the firm. Implemented use of SQL server to enhance data efficiency at firm. Completed SQL Certification on personal time. Ashland, Inc. (Chemicals)Wilmington, DE Financial Analyst, Oil & Gas TechnologiesJune 2012 – December 2014 Performs ad hoc requests from management through development of financial models to avert risks within Energy business. This includes sensitivity analysis around pricing, costs, product mix, and initial capital investment. This also includes variance analysis at a range of detailed levels. Maintains and develops forecast models for Energy business; revenues exceed $500 million annually Developed detailed Working Capital model to track net Trade Working Capital performance. Efforts have led to identification of high risks within inventory levels and subsequent risk mitigation actions. Evaluates capital expansion projects through detailed modeling. Selected Project Experience: Guar Production Expansion – Project designed to phase in 5 levels of Guar product expansion in an effort to increase capacity Conducted in-depth DCF analysis and found each stage of expansion to greatly exceed an acceptable NPV threshold CMHEC Product Development – New product designed to supplement potential decline in sales of other Energy products. Conducted in-depth modeling based on all available variables to evaluate the cost/benefit of project. Efforts led to recommendation of investment based on positive NPV and payback period DuPont Corporation (Chemicals)Des Moines, IA Financial Analyst, Research and DevelopmentApril 2011 – June 2012 Evaluated group’s annual $700 million USD budget by conducting in-depth financial analysis and communication with Directors; concluded that many areas of budget were at risk and worked with Directors to identify areas for potential cost savings, resulting in 2011 budget within target. Created and maintained forecast models on departmental, business segment, and consolidated basis by working with functional department heads and senior management; forecasts showed potential risks, resulting in research teams taking appropriate actions such as spending reduction and project elimination resulting in cost savings of approximately $50 million USD. Performed due diligence on various acquisition targets and made recommendations based on in-depth analysis. Prepared ad hoc requests from external and internal management, conducted cost reviews with Research Directors, and oversaw collaborations and grant development with Buffet Foundation and Gates Foundation. Selected Project Experience: Doebler Acquisition – Acquisition target based in North America (Pennsylvania) converted from joint venture to fully-owned consolidated subsidiary. (cont.) Conducted in-depth diligence on company assets and determined that acquiring the company entirely was beneficial based on synergies, primarily market penetration in Mid-Atlantic region. Pannar Acquisition – Acquisition target based in South Africa where ownership increased from 10% to 80% in 2011 Conducted in-depth ROI analysis which showed that synergies would allow for increased international market share DuPont CorporationWilmington, DE Tax Analyst, Corporate TaxApril 2010 – April 2011 Saved company over $1 million USD by reducing tax liabilities related to state and local utilities. Taught cost accounting personnel proper methods of tax calculations and accrual, and ways to reduce tax liabilities earlier in sales/use cycle of company operations; resulted in more efficient work group. Automated filing process for state and local tax filings relating to DuPont businesses, resulting in time savings of 10 – 12 hours per month. Selected Project Experience: Reduction of State & Local Tax Liability Conducted analysis of DuPont’s tax position at state and local levels and formulated strategies, such in-depth tracking of DuPont’s actual anticipated tax liability versus liability requested by government authorities, to reduce overall tax liability; resulted in annual cost savings of over $1 million USD. DuPont CorporationWilmington, DE Cost Accountant, Performance Chemicals Manufacturing June 2007 – April 2010 Saved company over $5 million USD by evaluating and recommending on-site inventory system, which improved accuracy by over 70%. Created optimal model to account for Idle Mills expense, resulting in time savings of 4 hours per closing cycle. Wells Fargo Philadelphia, PA Financial Analyst, Auto & Home Lending June 2005 – June 2007 Performed analysis and developed related strategies to increase the scope of the bank’s lending products. Created optimal process by which target customers are identified based on a host of variables. EDUCATION University of Delaware, Lerner College of BusinessNewark, DE Masters of Business Administration, Finance2006 Augusta State UniversityAugusta, GA Bachelor of Business Administration, Finance2002 SKILLS & Additional Experience Consulting: Advises firms/individuals on financial modeling and ad-hoc analysis. Skills: Expert Financial Modeling Skills, Expert Excel User, Advanced SQL User, Expert Power Point Presentation Skills, Advanced SAP