Jeff Tolman is a market research professional seeking a new opportunity. He has over 6 years of experience in financial analysis and data analytics. He currently serves as the Director of Data Analytics for Utah Community Credit Union, where he manages a database of 125,000 customers and provides insights that have increased marketing ROI by 12% and sales conversions by 9%. Prior to his current role, he held several other positions with increasing responsibility at Utah Community Credit Union, including Secondary Market and Mortgage Servicing Manager. He has an MBA and BS in Business Management, and is involved in his community through the Boy Scouts of America.
Curriculum Vitae / Resume
An organized, results-focused and well rounded finance professional, specialized in reporting and analysis for senior management, Excel-based modelling, budgeting and forecasting, commercial evaluations, financial control, and the preparation/delivery of board-level presentations.
Curriculum Vitae / Resume
An organized, results-focused and well rounded finance professional, specialized in reporting and analysis for senior management, Excel-based modelling, budgeting and forecasting, commercial evaluations, financial control, and the preparation/delivery of board-level presentations.
As a MBA (Business Strategy), Herriot Watt University, UK with 22+ years of experience in implementing operational strategies and coordinating project activities across diverse organizations, having exposure to working on various multi-million dollar projects, I present herewith, my candidature to work with your company, in a challenging managerial role and add value to the operations.
As a MBA (Business Strategy), Herriot Watt University, UK with 22+ years of experience in implementing operational strategies and coordinating project activities across diverse organizations, having exposure to working on various multi-million dollar projects, I present herewith, my candidature to work with your company, in a challenging managerial role and add value to the operations.
Performance & emission optimization of single cylinder diesel engine to m...eSAT Journals
Abstract
The growing cities, sharp increasing traffic, trajectory growth, rapid economic development and industrialization, and higher levels of energy consumption has resulted an increase of pollution load in the environment. It is also accepted that automobiles have emerged as a critical source of air pollution in the developing world. Realizing the gravity of the problem, steps are being taken to introduce better technologies, better fuel quality, shift to environment friendly fuels, and mass transit system for the control of environmental pollution in urban areas. Electronic diesel control, use of electronic FIE with increase in injection pressures and flexibility in injection control has changed the image of diesel engine. Engine optimization will lead to the better power with the better fuel economy which accomplish the urban living standard and care of the environment. Conventional fuel injection system was unable to fulfilment of this requirement, so it is necessity to modify fuel injection system along with vehicle after exhaust after treatment devices. Performance and Emission was optimized by using ETAS-INCA software. For the subject Bs-III engine, capacity is increased 50cc and certain modifications done. After proper optimization, with EGR ON the power value increased by 8.776% and torque value increased by 16.667% with respect to previous BS-III engine. Since the introduction of the new auxiliary system shows the gradual effect on the engine. According to the BS-IV norms the taper exhaust re-circulated by Oil Mist Separator (OMS) and to increase the performance the implementation of EGR Cooler is done. Also the BS-IV norms are achieved successfully in chassis dynamometer.
Keywords: BS-IV (Bharat Stage IV), INCA (Integrated Calibration and Data Acquisition), NOx (Oxides of Nitrogen)
Electronic Head Lamp Glare Management System for Automobile ApplicationsSushil kumar Choudhary
Headlamp glare is an issue that has grown in terms of public awareness over the past decade.
High beam of headlight of an on-coming car has blinding effect and decreases visibility during night
driving dangerously. The drivers of most vehicles use high, bright beam while driving at night. This causes
a discomfort to the person traveling from the opposite direction. He experiences a sudden glare for a short
period of time. This is caused due to the high intense headlight beam from the other vehicle coming
towards him from the opposite direction. We are expected to dim the headlight to avoid this glare. This
glare causes a temporary blindness to a person resulting in road accidents during the night. This model
concept eliminates the requirement of manual switch by the driver which is not done at all time. This
concept very useful in the automobile field applications, which provides safety of driver during night
driving. The construction, working, advantages & future scope of the system is discussed detail in this
paper.
- United Nations Conference on Trade and Development Iron Ore trust fund
- Production & industry concentration with specific reference to China
- Future pricing system, transparency issues
-Impact of demand changes: production cutbacks, upstarts and expansions, project pipe-line, changing ownership structure
- A special note on the Chinese iron ore industry
- Medium term outlook
- Summary and conclusion
Author:
Per Storm, Managing Director, RAW MATERIALS GROUP, Sweden
Business Intelligence Group Manager, including the Business Analyst Department, Marketing Department and Data Architect Department, with MBA, 4+ years of analytical experience and 2+ years of managerial experience
1. JEFF TOLMAN
493 East 300 North ~ Provo, Utah 84606
801-473-4913 jeffptolman@gmail.com
MARKET RESEARCH PROFESSIONAL
Business Analysis ~ Data Analysis ~ Financial Analysis
Recent MBA graduate with six years of financial industry experience. Excellent verbal and
written communication skills, detail oriented and able to meet deadlines in a fast-paced
environment. Possesses extensive strength in frontline management including budgeting and cost
management. Proven ability to train, develop and motivate individuals and teams. Experience
handling multiple priorities and deadlines. Strong talent for building productive client
relationships. History of successfully overseeing all aspects of complex projects. Promoted and
given additional responsibilities three times over the last five years. Core competencies include:
Financial Forecasting Risk Management/Analysis Mortgage Backed Securities
Budget Planning Data Research IBM SPSS
Department Management Project Management Operations Training
CAREER ACCOMPLISHMENTS
Increased marketing campaign ROI by 12% by leveraging available data.
Developed a system for generating sales leads from data trends that increased sales conversions by an
average of 9%.
Created and managed a key performance indicator dashboard used for executive level decision
making.
Created a unique and proprietary Excel tracking system to minimize exposure to interest rate
fluctuation producing an increase in mortgage loan sale profitability by an average of $35,000/month.
Partnered with executive management in creating and designing the initial set up of the secondary
market department, and have maintained ongoing direct supervision of the department since 2012.
PROFESSIONAL EXPERIENCE
UTAH COMMUNITY CREDIT UNION, Provo, Utah 2010 – Present
A not for profit institution serving over 125,000 members and operating 18 local branches.
Director of Data Analytics (2015-Present)
Manage the data analytics of a database consisting of 125,000 unique individuals.
Provide insights into consumer behavior for the marketing department which was used to increase
campaign ROI by 12%.
Develop reporting dashboard that displays key metrics to executive management that are used for
decision making.
Implement lead list generation for sales department that increased sales conversions by 9%.
Identify potential high value projects and campaigns through mining data.
Coordinate cross-department data mining projects for the credit union.
Secondary Market, Residential Construction / Mortgage Servicing Manager (2013-2015)
Managed the secondary market function of a $30 million monthly mortgage pipeline.
Hedged against market movement risk and maintained profitability resulting in competitive interest
rates for customers and offsetting institutional loss.
Coordinated the successful completion of new residential construction projects with a $15 million
monthly pipeline.
2. JEFF TOLMAN Page Two
PROFESSIONAL EXPERIENCE
(Continued)
Supervised department operations including: hiring, interviewing, employee counseling, training, and
budgeting.
Handled reporting of monthly profit and loss to the executive management team.
Monitored daily financial market reports to detect trends that impact risk decisions.
Secondary Market Manager (2012-2013)
Managed the day to day operations of the secondary market department including managing risk
using financial instruments, analyzing multiple daily reports, resolving customer concerns, and
handling employee issues.
Established programs that increased the profitability of loans sold by 20%.
Created daily mortgage rates for use within the mortgage department.
Monitored employee productivity and took action to increase efficiency by developing and
implemented new training programs.
Presented monthly reports to the CEO, CFO, COO, Controller, and AVP of Real Estate Lending.
Lock Desk Coordinator, Mortgage Division (2010-2012)
Initiated programs to streamline and otherwise improve processes and procedures related to the lock
desk.
Locked mortgage loans with secondary market investors and ensured accuracy of loan information
and loan sale pricing.
Vault Teller Manager (2010)
Managed a team of tellers and ensured quality customer service and training.
Maintained appropriate cash levels for the branch.
EDUCATION
UTAH VALLEY UNIVERSITY, Orem, Utah
Master of Business Administration, 2014
Dean’s List
UTAH VALLEY UNIVERSITY, Orem, Utah
Bachelor of Science in Business Management, Financial Management Emphasis, 2010
Cum Laude
COMMUNITY INVOLVEMENT
BOY SCOUTS OF AMERICA
Eagle Scout
Current Adult BSA Volunteer since 2010
LDS MISSION
Volunteer, 2002-2004