Jose J.

Fernandez
8545 NW 198th Terrace - Miami, Florida 33015
Cell (786) 385-0746 - E-mail: jfaba59c@westpost.net

Profile - Treasury professional with broad experience in the areas of cash/liqui

dity management, accounting/bookkeeping. Bilingual: English / Spanish.

Education
* Bachelor of Business Administration - Major in Finance, Florida International
University, Miami.
* Certified Treasury Professional (CTP) designation from 2003 to 2006.
* Currently pursuing a Masters in Accounting at Nova Southeastern University.

Experience
Accountant / Cash Analyst, Eco Destination Management, Inc., Fort Lauderdale
October 2008 - Present
* Provided all cash management functions for the company - Determination of dail
y cash position, and rolling cash budget. Created MS-Excel financial model in pe
rforming these functions
* Performed all necessary accounting functions - Accounting entries for general
ledger, accounts payable, accounts receivable as well as job cost accounting fun
ctions using QuickBooks.
* Provided financial control - Bank account reconciliations as well as corporate
credit card reconciliations.

Treasury Manager, Intermex Wire Transfer, LLC, Miami

February 2005 - September 2008
* Provided cash management functions for all company accounts - Determined daily
cash position and funding needs for all bank accounts. Engaged in the trading o
f US Dollars against Mexican Pesos for funding payer accounts in Mexico. Created
Excel-based financial models in performing these functions.
* Managed daily liquidity and long-term LIBOR based debt - Managed revolver cred
it facility. Determined any necessary daily borrowing or payback on revolver lin
e. Monitored covenant compliance as it related to use of revolver credit facilit
y. Managed long term LIBOR based debt with execution of P & I payments, and roll
over of maturing LIBOR loan balances.
* Managed interest rate exposure - Managed interest rate exposure via selection
of new LIBOR maturity dates, and the use of interest rate swap. Prepared yearly
forecast of interest expense along with yearly forecast of daily funding / payba
ck activity.
* Managed the company's concentration of funds - Managed the transfer of funds f
rom regional bank accounts in the United States to concentration bank account by
bank website wire transfer.
* Managed company's payment function - Created payment templates from bank websi
tes, and held responsibility for execution of wire payments from bank website to
domestic vendors
* Created and updated the company's Treasury Procedures Manual
Accounting Specialist, Temporary Position at DHL, Sunrise,
July 2004 - February 2005
* Provided bank account reconciliations for many corporate bank accounts denomin
ated in foreign currencies

Foreign Exchange Trader, Dresdner Bank Lateinamerika AG, Miami,

Sept 2000 - Apr 2003
* Traded successfully in the major currencies for bank's own account (proprietar
y basis) as well as provided foreign exchange spot, forward, and swap pricing to
Latin American banks

Foreign Exchange Trader, Barclays Bank PLC, Miami,

July 1995 - Aug 2000
* Provided spot, forward, and swap foreign exchange prices and trade execution o
n the major currencies to bank's clients (Latin American banks), as well as enga
ged in marketing calls to client banks

Foreign Currency Manager, International Trade Finance, Miami

Jan 1995 - Jul 1995
* Researched and evaluated all available resources to create foreign exchange/mo
ney market department for bank based out of Grand Cayman. This involved an analy
sis of all startup costs as well as the costs of continuing operation in conjunc
tion with the forecast of revenue projection

Financial Trader, Consolidated Bank, N.A., Miami

May 1989 - Jan 1995
* Bought / sold foreign exchange from commercial clients
* Bought / sold Treasury bill, T-Notes, T-Bonds and Commercial Paper for clients
on both a spread basis and a fee basis as well as supported treasurer in portfo
lio acquisitions and sales

Assistant Trader, Banque Sudameris, Miami

Jan 1988 - Apr 1989
* Invested / borrowed overnight and term Eurodollars deposits and Fed Funds depo
sits
* Traded foreign exchange for clients in spot and forward markets
* Invested foreign exchange for clients wishing to hold foreign currency deposi
ts
* Traded silver, gold, and platinum for clients on spread basis