Mark Hutchinson
VP, Treasurer @F&M Bank - Archbold, OH
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WORK HISTORY
VP, Treasurer @F&M Bank - Archbold, OH
Archbold, OH, US
Lead ALCO and oversee the management of our balance sheet to improve the bank\'s net interest margin and overall profitability. Oversee and refine the assumptions used in the bank\'s asset/liability model, which include deposit betas, prepayment speeds, index spreads, and new volume rates. Measure and report the bank\'s interest rate risk (IRR) and economic value of equity (EVE). Produce cash flow forecasts to proactively manage the bank\'s liquidity. Co-designed and built internal loan and deposit pricing models using FTP match-funding, risk-adjusted spreads, customer profitability, floors, and the forward curve to improve pricing discipline and the bank\'s net interest margin (NIM). Lead the bank\'s annual budgeting process and prepare rolling forecasts. Serve on several committees and collaborate with all areas of the bank. Backtest forecasting results to improve the accuracy of all related assumptions. Oversee the bank\'s investment portfolio and collaborate with outside advisory on fixed-income investment strategies.
EDUCATION
Western Illinois University
BB, Management
Indiana Institute of Technology
MBA, Management
ABOUT MARK HUTCHINSON
Accomplished 20+ year financial institution professional with experience in analysis, asset/liability management, budgeting, cash flows, costing, forecasting, funds transfer pricing, incentive plans, interest rate risk, liquidity, modeling, and profitability reporting. Certified Management Accountant (CMA) since 2010.
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