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JOHN A.

EFFREIN
Clive, IA 50325 || 515-778-4059 || john.a.effrein@gmail.com
CORPORATE FINANCE AND STRATEGIC ANALYTICS PROFESSIONAL
__________ ACHIEVEMENT SUMMARY __________
Catalyst and implementation specialist having unleashed billions of dollars in market capitalization by:
identifying value recognition opportunities, executing divestitures & acquisitions, functioning as an internal
investment banker in multiple transactions, and successfully executing deals that significantly increased
shareholder value as a privileged member of elite corporate finance/strategic teams.
Throughout career, delivered superior solutions in diverse areas including: rating agency relations, liaison to
NYSE and stock specialists, business development, corporate finance (including sophisticated financial
modeling), divestitures, enterprise restructuring, executing initial public offerings, catalyzing spin-offs,
investor relations, mergers and acquisitions, and strategic planning.
For Presidential Life Corporation, devised and executed strategies, in collaboration with top-tier executives,
that contributed to $115 million of value delivered to shareholders upon its ultimate sale.
For Commission Express, grew largest realtor commission factoring firm in the state of Kansas in just two
years. After first year of operations received the Franchises' "Rookie of the Year" award.
For Principal Financial Group, Inc., created IR program and orchestrated one of the largest and most
successful demutualization initiatives in Wall Street history that achieved a market capitalization increase of
$11.7 billion or 383% at its peak.
For Kemper Corporation led 17 business divestitures that increased market value an average of $72%.
Chief spokesman in hotly contested issues including a hostile takeover initiative and subsequent proxy fight
that led to the companys ultimate sale for $2 billion.
In the 1987-1996 period, handled billions of dollars in capital market transactions including: the issuance of
$1.1 billion of corporate bonds, 144(A) debt and preferred stock, execution of $474 million share repurchase
program, and $1.5 billion in real estate revenue bond (credit enhancement) guarantees.
__________ CAREER HISTORY __________
HARTFORD INVESTMENT MANAGEMENT COMPANY (HIMCO), Hartford, CT November 2013 - January 2014
Asset management operation to The Hartford and institutional clientele with $115 billion under management
Strategic Planning Analyst (1-month engagement extended to 3)
Orchestrated and created the HIMCO 2014-2016 Strategic Plan in collaboration with multiple disciplines
across the company including executives, finance, investment, ALM/ERM and marketing professionals.
PRESIDENTIAL LIFE CORPORATION, Nyack, NY February 2011 - July 2012
Diversified financial services company specializing in individual fixed annuity, life insurance and accident & health products.
Acquired by Athene Annuity Life Assurance Company in July 2012.
Advisor (3-month engagement extended to 18)
Bottom-Line: Integral to the value recognition of the company which resulted in a sale at a 38% premium to
market (a $115 million increase in market value to $415 million); achieved by preparing a compelling strategic
plan commended highly by board of directors for its comprehensive valuation focus.
Presentations: Developed multiple board & investment community presentations for company executives;
prepared 2010 & 2011 rating agency presentations (2010 resulted in first upgrade in over a decade and 2011
rating agency presentation assessed by agency as better than 95% of what they had ever seen). Authored
letters to shareholders and communications to independent producer channel. Developed an extraordinary
dividend presentation request to the New York State Financial Services Department. Authored Vice Chairman,
CEO and President's speech for 2010 annual shareholder meeting.
Analytics: Developed the comprehensive 2012-2016 strategic plan. Created comprehensive quarterly financial
supplements for Wall Street analysts. Developed non-linear, multi-variant valuation regression analyses.
Conceived and created a comprehensive 82 annuity competitor database. Conducted individual fixed annuity
industry research and strategic business intelligence initiatives. Contributed to the review and editing of 10-Q,
8-K and 10-K filings with the SEC. Conducted comprehensive comparative analysis of competitor executive
compensation tables and developed the firm's executive compensation plan model. Played an integral role
developing statutory and GAAP financial projection models. Automated comparative analysis across life, asset
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accumulation, Accident & Health and other financial insurance conglomerates across the following matrices:
relative price performance, relative valuation multiples, dividend & dividend payout ratios and short interest
positions. Conducted analysis of companys historical absolute and relative price/book valuation multiples to
industry indices (over two decades). Analyzed: capital deployment alternatives and valuation sensitivities,
companys annuity product liability characteristics/ALM processes, quality & composition of investment portfolio
over time, historical dividends & payout ratios, comprehensive corporate finance model predicting projected
valuation implications, time series of shareholder holdings, and styles & short interest positions. Initiated the
creation and introduction of fixed annuity asset roll-forwards; sales analyzes identified channel optimization
opportunities which were integrated into the marketing brochure for the FIA [fixed index annuity] product (back-
tested performance of FIA over variable time horizons to other individual annuities to increase sales through
investor confidence).
GENESIS CLEAN ENERGY COMPANY, Clive, IA 2009 - 2011
Startup, clean energy company aimed at implementing carbon reduction strategies for more sustainable farming and to market
resulting carbon emission offset credits.
Advisor
Developed the $330 million business plan to leverage government clean energy grants to develop a portfolio of
energy-efficient farming practices and resulting carbon offset credits in the open marketplace.
Performed short- and long-term needs analysis, energy market forecasting, efficiency analysis, and cost/benefit
analysis.
COMMISSION EXPRESS OF KANSAS CITY, Overland Park, KS 2003 - 2008
Nations largest real estate commission advance company with over $450 million in advances through 71 franchisees in 36
states. The Kansas City territory was the region's first.
Franchisee
Achieved profitability within five months; acquired 135 accounts with receivables purchased of $4 million and a
repeat business rate above 95 percent. Grew annual revenues to $300K within two years.
PRINCIPAL FINANCIAL GROUP, INC., Des Moines, IA 1998 - 2002
Internationally diversified financial services conglomerate specializing in retirement and asset management services.
Vice President, Investor and Rating Agency Relations
Transitioned mutual organization into publicly traded stock company with market capitalization reaching $17
billion.
Integral to execution of demutualization process, simultaneously created IR function and developed a capital
allocation model to achieve the highest sustainable market valuation over time.
QUANTITATIVE, LLC, Lake Zurich, IL 1996 - 1998
Independent consulting firm offering sophisticated financial analyses, planning and investment services.
Consultant
Provided proprietary financial analysis models & advisory services to a portfolio of small-to-medium sized firms.
KEMPER CORPORATION, Long Grove, IL 1987 - 1996
Diversified conglomerate offering asset management, personal and commercial lines insurance, and reinsurance products.
Director of Investor Relations (1990 -1996) / Senior Financial Analyst (1987-1996)
Increased shareholder value by hundreds of millions of dollars through multiple transactions. Company ultimately
auctioned for $2 billion following a hostile takeover initiative. Served as firm's singular spokesperson to both Wall
Street and the media.
MANAGEMENT COMPENSATION GROUP, Northbrook, IL 1986 - 1987
Senior Financial Analyst
CNA INSURANCE COMPANIES, Chicago, IL 1983 - 1986
Senior Operations Analyst (1984-1986) / Commercial Insurance Underwriter (1983-1984)
__________ PROFESSIONAL DEVELOPMENT __________
EDUCATION: Bachelor of Science in Business (1983), finance major, Indiana University.
ADDITIONAL TRAINING: Kauffman Foundation for Entrepreneurial Leadership Graduate (2004).
RECOGNITION: Whos Who Registry of Executives, Professionals, and Entrepreneurs (2010).