ASHLEY A. PENG

**** ****** *****, ********, ** **068 617-***-**** ablrdd@r.postjobfree.com

LinkedIn: www.linkedin.com/in/ashleypeng

Seeking a challenging position in the Real Estate industry. Five years of entrepreneurial experience combined with

seven years of academic and professional knowledge in real estate finance, market and analysis. Proven ability to

successfully implement a vision into a business from end to end: concept, research, marketing, sourcing, production, sales and

operations. Detail-oriented, hardworking and a quick study to learn the industry and apply the required knowledge and tools

with a die-hard commitment to succeed.

Areas of skills and expertise include:

- Financial and Management Accounting - P&L Financial Modeling - Financial and Cash Flow Analysis

- Risk/Portfolio Analysis - Market and Industry Research - Business Plan Writing

- Loan Underwriting and Credit Reviews - Competitive Analysis - National Homebuilder Knowledge

- Proficient in Excel - Familiar with ARGUS

Master of Science - Building Construction/Facility Management – Integrated Project Delivery Systems

Georgia Institute of Technology - Atlanta, GA Dec 2008

Related Coursework - - GPA 3.91

Generational Community Design Design and Construction Processes

Best Practices in Multi-Family Residential Property Construction Management

Value Management for Integrated Facility Design

Management and Building Construction

Design-Build Organization and Management and Construction

Real Estate Development and Construction Facility Planning, Project Management and

Residential Design and Construction Benchmarking

Advanced Project Management

Design and Construction Law

Operational Management

PROFESSIONAL CERTIFICATIONS:

LEED Accredited Professional Feb 2009 – Current

Certified Aging-in-Place Specialist, National Association of Home Builders March 2009 - Current

EXPERIENCE:

FiberScrumptious Inc. - Roswell, GA Dec 2009 - Current

Owner/Founder

A company that creates healthy, high-fiber, low-calorie mini muffins using all natural ingredients.

Entrepreneur of the start-up responsible for all aspects of the business, including recipe development, operation, sourcing,

production, accounting, sales, marketing and finance.

Increased sales by 50% from 2011-2012 and by 100% from 2012-2013.

Established sales channels from local farmer’s markets, online and Whole Foods Markets throughout Atlanta.

Maintained strong relationships with vendors and individuals critical in purchasing decisions.

Drive brand awareness through demo at stores, social media accounts and direct emailing.

Strategized product placement from farmers markets to specialty health foods giant Whole Foods Market.

Responsible for all accounting, budgeting and financial planning, P&L and cash flow.

City National Bank - Walnut Creek, CA Nov 2005- Jun 2007

A premier California private and business bank which offers a full line of banking, trust and investment services.

Credit Analyst II – Commercial Real Estate

Mid-level analyst who performed credit and financial analysis on private and public homebuilders to assist in City National

Bank’s lending credit committee decision-making process.

Assessed financial information of national public and private homebuilders and developers to write credit reviews.

Monitored economic, demographic and homebuilding development and purchase trends in various U.S. cities.

Analyzed company annual reports and financial SEC filing reports utilizing the Baker Hill software.

Gained in-depth industry knowledge of national public homebuilders’ leverage strategy, revenues, closing units and

average prices.

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Bohan Group Inc. - San Francisco, CA & The Clayton Group - Shelton, CT Sep 2004 - Oct 2005

Risk analysis firms with strong presence in both lending and capital markets that fully support all bulk acquisition

counterparties in the secondary mortgage market.

Underwriter

Risk assessment team member responsible for performing due diligence, portfolio analysis and compliance reviews.

Evaluated closed loans to determine its credit and compliance status using the loan analysis systems.

Performed due diligence reviews on both conventional and sub-prime loans from US lenders and investors.

Reviewed legal documents and inspected appraisals and field reviews.

DIRECT Federal Credit Union - Needham, MA Nov 2002 - Aug 2004

A competitive non-profit credit union delivering simple, reliable, and affordable banking products to all bank members.

Mortgage Underwriter

Critical team player in the Lending Department with delegated lending authority responsible for analyzing and underwriting

primarily residential mortgages, as well as home equity and consumer loans.

Approved conventional loans using Freddie Mac Loan Prospector automated underwriting guidelines and jumbo non-

conventional loans using Countrywide Home Loans guidelines.

Reviewed and signed off on documentations and appraisals and authorized clear to close on loans.

Improved customer experience and reduced call volume by developing standardized process on approvals.

Trained fellow underwriters and processors to prepare and complete closing packages.

INVESCO Institutional, Inc. - Boston, MA Jun 2000- Mar 2002

A world leader in global investments with more than $35B in assets under management.

Portfolio Accountant

Member of team responsible for successful transition of $30B in assets under management from external back office vendors to

internal INVESCO Operations Department.

Monitored cash levels and highlighted exceptions within $5B portfolio of assets under management.

Resolved and reported discrepancies within security trades, corporate actions, pay-downs and dividends.

Consistently attended to details, prioritized and multi-task responsibilities to exceed target performance deadlines.

UNDERGRADUATE STUDY:

Boston University - Boston, MA May 1999

Bachelor of Arts - International Relations

Concentration: International Business/Economics and East Asian Studies

INTERNSHIP:

May 2009 – Aug 2009

Urban Green Council - New York, NY

U.S. Green Building Council, NY Chapter

A non-profit organization seeking to promote sustainability in the built environment, and serve as a model for other cities

through education, advocacy and research with a focus on New York City, Rockland and Westchester.

Summer Intern

Green Codes Task Force member promoting green laws and regulations that govern construction in the city.

Collaborated with staff at the Mayor’s Office of Long-Term Planning and Sustainability and industry leaders related to

the built environment and city agencies.

Worked with team to compile over 100 proposals by Winter 2009.

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