Finance & FP&A Professional

TimElrom

Philadelphia-based finance professional with hands-on co-op experience across FP&A, operations budgeting, and financial analysis. Skilled in building models, automating reporting pipelines, and delivering insights to executive leadership. Pursuing a triple major in Finance, Economics & Business Analytics at Drexel University.

View My Work Let's Connect

🏢

Co-ops Completed · Triple Major

⚙️

$19.5K

Saved via VBA Automation

📈

$200K

Active Portfolio Managed

🎓

'27

Drexel Graduation

🏆

Dean's List · A.J. Drexel Scholarship

Academic Honors

Scroll

01 — Work Experience

Where I've Made an Impact

Best Egg · Barclays Sep '25 – Apr '26 Philadelphia, PA

FP&A Analyst

Built and maintained bottoms-up financial models incorporating revenue drivers, unit economics, and operating expenses to support strategic planning.
Performed monthly variance analysis (actuals vs. forecast/budget) and supported the close process, analyzing accruals and P&L line items.
Developed and automated dashboards and recurring reports using Excel, Power BI, and SQL (Snowflake) to improve forecast accuracy and efficiency.
Conducted scenario, sensitivity, and ad-hoc financial analyses presented to senior finance and product leadership.

SEPTA Sep '24 – Apr '25 Philadelphia, PA

Operations Budget Analyst

Conducted detailed analysis of utility consumption data, delivering insights that supported SEPTA's sustainability and cost-efficiency initiatives.
Prepared monthly & annual Mileage Reports, improving data accuracy for operational planning across the organization.
Performed daily accounting validations & reconciliations to ensure financial accuracy and compliance.

American Heritage Federal Credit Union Sep '23 – Apr '24 Philadelphia, PA

Finance Analyst

Implemented advanced VBA automations generating $19,500 in annual cost savings.
Produced comprehensive treasurer, mortgage, & liquidity reports for C-suite executives and board members, supporting strategic decision-making.

02 — Education

Academic Foundation

Undergraduate

B.S. Business Administration

Finance, Economics & Business Analytics — Drexel University (Triple Major)

Philadelphia, PA · Graduating September 2027

A.J. Drexel Scholarship Recipient · Dean's List. Drexel's co-op program enabled three full-time industry rotations alongside coursework in financial modeling, corporate finance, and econometrics.

Summer Program

Investment Portfolio Management

Columbia University

New York, NY · July – August 2021

Intensive program covering equity research, portfolio construction, asset allocation, and modern investment theory with practical portfolio simulations.

Self-Directed

Active Investor

Stocks, Options & ETFs

$200,000 Real Portfolio Under Management

Manages a live $200K portfolio across equities, options strategies, and ETFs — applying academic finance to real capital allocation and risk management.

03 — Skills & Tools

What I Work With

Financial Analysis

Financial Modeling Variance Analysis Scenario Analysis Sensitivity Analysis Bottoms-Up Forecasting P&L Analysis Liquidity Reporting

Technical Tools

Excel (Advanced + VBA) Power BI SQL / Snowflake Python Dashboard Automation Bloomberg Terminal

Investing

Equities Options Strategies ETFs Portfolio Management Risk Management Asset Allocation

Other

Accounting Reconciliations Close Process Support Executive Presentations Hebrew (Verbal) Nationally Ranked Athlete

04 — Key Highlights

Notable Contributions

Automation · American Heritage FCU
VBA Automation Suite
Designed and deployed Excel VBA macros to automate recurring financial workflows, eliminating manual data entry and generating documented annual savings of $19,500.

        Excel VBA
        Process Automation
        Cost Reduction
      

Reporting · Best Egg / Barclays
FP&A Dashboard Infrastructure
Built automated Power BI dashboards and Snowflake SQL pipelines consolidating revenue, expense, and unit economics data into real-time executive views, improving close cycle efficiency.

        Power BI
        SQL / Snowflake
        Forecasting
      

Analysis · SEPTA
Utility & Operations Cost Analysis
Analyzed large-scale utility consumption data to surface cost-saving opportunities supporting SEPTA's sustainability strategy, with monthly mileage reports improving operational planning accuracy.

        Data Analysis
        Budget Management
        Sustainability
      

Investing · Personal
$200K Active Investment Portfolio
Independently manages a $200,000 portfolio across equities, options, and ETFs — applying fundamental analysis, macro research, and disciplined risk management principles.

        Equities
        Options
        Portfolio Management
        Risk
      

Resume

Download My Resume

A full overview of my experience, education, and skills — ready to view or share.

↓ Download Resume (PDF)

Original Research

Papers I Wrote Myself

Questions nobody assigned me. I source the data, build the pipeline, run the tests, and write up what the numbers actually support — including where the method breaks down.

Featured Equity Research LLM Pipeline

Do Companies Deliver on What They Promise?

A Large-Scale Analysis of Management Guidance Accuracy in FY2016 Earnings Call Transcripts

Executives issue forward-looking statements every quarter and almost nobody checks whether they come true. I audited 32,290 guidance items from 3,166 earnings calls and graded each against what the company actually reported. Management delivered 70.3% of the time — but revenue guidance is dependable, EPS guidance is a coin flip, and credibility turns out to be a persistent firm-level trait.

Read the full paper →

View All Research →

Why This Website

Standing Out Takes More Than My Three Degrees

get it because I am triple majoring..? not funny ok.. I am going into finance not comedy writing..

This website is more than a resume — it's where the things I build actually live. In a competitive job market, waiting for a classroom to catch up isn't a strategy, so I don't.

Growing up, my favorite thing to do was build with Legos. Sure, having the Star Destroyer on the shelf was awesome (still is), but being handed the actual building blocks is what got me going. It showed me that the only limit to what I could create was my own creativity. Today I can build almost anything I want, whether it's coding, 3D printing, designing in Blender, or soldering components into custom hardware.

That same instinct is what drives my work in finance. Instead of waiting to be taught institutional-grade analysis, I started building it myself, which is exactly how ValuFlow was born. Whether it's a valuation pipeline or a custom piece of hardware, the process is the same: start before you feel ready, and figure it out by making it. This site is a resume of what I can do professionally, and of who I am as a person.

Finance × Data

ValuFlow

An end-to-end company valuation pipeline — Python, Snowflake, and Power BI turning raw financials into fully modeled valuations.

Explore ValuFlow →

Personal AI

Ruby

A custom AI assistant I built to run and automate my day-to-day.

In Progress

AI Agents

Emerald

A voice-driven agent that runs on my own machine — it drives my browser through logins and rearranges my desktop on command.

See the demo → In Progress

Engineering · Design

3D Printing

Where the engineering side comes out — a mix of functional builds like a custom power-bank desk mount and technical projects like my calculator AI enclosure. Designed and fabricated from scratch to solve real problems.

Ongoing

See everything I've built →

Get In Touch

Let's Talk

Open to full-time roles, co-op opportunities, and conversations about finance, investing, or anything in between.

Email timelrom@gmail.com

Phone (917) 445-0458

LinkedIn linkedin.com/in/timelrom

GitHub github.com/tim3lrom

Location Philadelphia, PA