Ginger Mentzer

Ginger Mentzer

Small businesses need financial leadership to stay on course with strategic objectives while successfully navigating day-to-day operational demands. Effective strategic planning, sound financial reporting systems, and effective operational policies and procedures are keys to this success.

I work with clients to meet these challenges mainly focusing on:

  • Financial Management and Reporting
  • Implementing Systems and Automating Manual Processes
  • Resolving Problems and Creating Sound Policies and Procedures
  • Developing Strategic Planning Tools and Models and Drilling Down to Operations
  • Regulatory Compliance
  • Liquidity and Cash Management
  • Building Cohesive, Motivated and Accountable Teams

I am a senior-level executive with extensive financial, operational, and management experience, who brings strategic leadership and delivers results using a goal-driven, well-vetted, efficient, and collaborative approach. I am an enthusiastic leader with a high level of integrity, drive, and commitment, and I am a Florida licensed CPA and earned a master's degree in business administration.

I have been fortunate to work for small to mid-sized private companies in the CFO role for the last 20 years, allowing me the opportunity to work across entire organizations, with significant interaction with customers, shareholders, boards and their committees. I have worked as a CFO for community financial institutions during the most challenging regulatory environment in our history and received high marks from regulatory agencies and audit firms for balancing compliance and profitability. In addition to my in-depth financial management expertise, my experience extends across virtually all operational areas. A few accomplishments where I have led or played an integral role include:

  • Transformation of a "troubled" institution to a "well-capitalized" institution by assisting in raising $7.6 million of capital and developing strategies to reduce expenses by $170,000 per year
  • Growing deposits, loans, capital, and investments, doubling asset size and earning $3.9 million in net income in a three-year period
  • Selection and conversion of core processing (operating) system, financial and ancillary systems; negotiation of five-year contract savings over $500,000
  • Improved liquidity concentrations and increased unsecured and pledged borrowing facilities
  • Improved ROA by restructuring departments and reducing redundancies and non-value added tasks, implementing cross-training, establishing written procedures, and ensuring timely reconciliation and clearing of all accounts
  • Developed a human resource department and introduced competitive benefits for recruiting and maintaining a talented team as well as a professional development plan process to ensure employee career and performance goals were established, maintained and achieved
  • Converted financial statement reporting, streamlined payable and fixed asset processes, and improved strategic modeling accuracy and depth of information.

Although I can help you with just about anything from a financial or operational perspective, my expertise is in:

  • Financial Management & Reporting
  • Financial Planning & Analysis
  • Budgeting
  • System Implementation and Automation of Manual Processes
  • Liquidity Management
  • Contract Negotiations
  • Creating Efficiencies and Establishing Standard Policies and Procedures
  • Strategic Planning

I joined the Florida CFO Group in 2016 with over 25 years of experience in accounting and finance in an executive leadership capacity. I am a CPA and a member of the AICPA and FICPA and earned my BS from Glassboro State College, specializing in accounting, and an MBA from the University of South Florida.

Professional Experience: Chief Financial Officer, Treasurer, Auditor, Corporate Secretary, Financial Institutions, Marketing & Servicing Companies.

Contact Ginger

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"I worked with Ginger for approximately 3 years, where (together with a few other key players) we turned around a struggling bank. Ginger knows her craft (accounting) well and is hard-working, detail-focused, and results-oriented. She understands and balances the importance of gathering meaningful information and including others to make key decisions ... and then has the confidence, resolve and judgment to make routine and critical decisions in timely and appropriate manners. Ginger expects much of herself ... and the best from others ... and this led to a successful turn-around."
Jeffrey Carter
Senior Vice President, Commercial Lender


"Ginger is a detail-oriented person with skills, knowledge and enthusiasm for her profession. She adapted quickly to a different business and made valuable contributions to the organization. She would be on my short list of CFO's."
Tom Randle
Executive Coach & Strategic Planning