Lisa Kobza

Accomplished risk professional with extensive background in franchise lending/banking that includes underwriting, relationship management, portfolio management of performing and adversely classified loans and asset management. Detailed understanding of real estate and cash flow lending, loan underwriting process, loan closings, construction draws, loan covenants and calculations and agenting syndicated transactions. Proactively grade loans based on periodic analysis and review of financial information that would prompt risk grade modifications. Make recommendations to Bank based upon portfolio management and loan covenant compliance.

Residential property management ensuring profitability for various personally-owned residential dwelling including multi-dwelling, home, vacation, storage, land Maintain effective working relationships through excellent interpersonal skills, relationship development and problem-solving complex issues Skilled in business management, contracts, mediation and negotiation All facets of daily rental operations management

Supervise a small staff for two enterprises interacting with regional and corporate finance centers that also provide some financial services for the local newspaper Focus is on maintaining internal accounting controls, ensuring accurate financial statements and financial planning Responsible for financial analysis and evaluation to determine productivity and cost metrics for corporate Determine and maximize profit drivers, accurately assessing the ongoing impact of strategies and protecting the assets of the company

Administrator for conversion of two independent dealership DMS operating to one centralized accounting system each according to specific manufacturer accounting and information reporting guidelines Fairly represent and interpret financial condition of two dealerships; directing overall financial planning, accounting, human resource and payroll practices with high ethical standards Develop and maintain controls for business management including regular rapport with department managers on profitability, pay-plans and strategy to strengthen operations Ability to plan, prioritize and organize workload to meet numerous time constraints and deadline requirements Cash management forecasting for profitable use of cash funds and daily operating control (DOC) management Review of all ledgers and work with accounting staff to continually maintain data integrity Ensure compliance will all tax and applicable government and dealer regulation Working knowledge of all accounting positions and skilled at managing, delegating and training 7 direct reports

Pilot research to Board of Directors and Production Management measuring key performance indicators (KPI) impacting profitability to company and driving management decisions of genetics, feed and treatment protocol conversions through closeout economics & ad-hoc analysis Handle details of a highly confidential nature in company research and innovation. Ensure that research studies are designed to provide clear results to the objectives Guide teams to develop clear measurable objectives, employ appropriate statistical methods (SPC), draw data-supported conclusions, and present results (Lean Six Sigma (LSS) tool-pack) Solid data analysis, problem solving and critical thinking skills and effective formulation and presentation of spreadsheet systems across trial data Member of senior production team and administrator of LSS continuous improvement Green Belt project

Proficient in extensive financial report preparation including profit and loss, balance sheet and supporting schedules; Work with audit investigation Responsible for complete set of working papers, note obligations, property management, depreciation, insurance, allocation, accrual and expense entries; and all facets related to monthly closing procedures Budget development support and variance reports Distinguished team member of special projects generating spreadsheet systems used to analyze revenues and lost business opportunities Integral role in establishing ‘lot tracker’ database including testing, post-deployment, training and implementation Streamlined production reports by skillfully creating, formulating, and programming spreadsheets systems Supported start-up operations following bankruptcy restructure to continue uninterrupted business

Maintain state of readiness for Guard force and support; Annual training and physical fitness