Management Real Estate

Cindy Y. Liu

Permanent Address

**** ****** ****** ****

Cell Phone: 515-***-****

Morrisville, NC 27560 E-mail: ********@*******.***

CAREER PROFILE

Master of statistics expert in data manipulation, quantitative analysis, credit risk management, loss forecasting, portfolio management, strategy development, and statistic

modeling.

Master of accounting with demonstrated abilities in financial analysis, enterprise risk management, audit, and project management.

OBJECTIVE

Seeking full time position in Statistics/Finance/Risk Management /Compliance or related field

KEY SKILLS

Business-

* 6 years Database Analysis- Marketing Data, Operational Data, Mortgage Database

* 5 years Financial Analysis- Data Validation, Financial Exposure Analyzing

* 2 years Enterprise Risk Management

* 4 years Credit Risk Management- Credit Card, Real Estate Lending

* 4 years Quantitative Analysis- Marketing Database Analyzing, Portfolio Performance Analyzing

* 5 years Strategy/Policy/program Development- Credit Card Marketing Effort Strategy, Corporate Operation/Compliance Policy, Loss Mitigation Programs Rollout

* 3 years Project Management - Corporate Internal Audit Project, Loss Mitigation Programs Monitoring, Real Estate Portfolio management

Technology/Application-

* 4 years SAS application - Data Manipulation, Statistical Modeling, Methodology Development

* 2 years ACL application- Data Analyzing, Fraud Investigation

* 1 year Access application- Database Management

* Advance Microsoft Office application- Excel, Power Point, etc.

Working Ethics-

* Detail Oriented

* Strong problem solving

Proven time management skills, ability to prioritize, meet deadlines and multi-tasking

* Excellent Team builder and individual contributor

EXPERIENCE

CitiGroup, Stamford, Connecticut 10/2010- 03/2011

Citi Mortgage Real Estate Lending

VP, Credit & Portfolio Risk Manager

* Update and maintain portfolio information, including risk and financial information.

* Monitor and report on progress of the project to all stakeholders.

* Track project deliverables using appropriate tools. Interact with counterparts in businesses to

* coordinate and drive credit review data needs and analysis.

* Participate in evaluating consumer real estate lending based on economic and housing market

analysis and analysis of portfolio performance through the review of delinquency trends,

vintage analysis, and default model.

* Effectively communicate related analysis to various groups.

* Assist in regular and ad hoc reports and analysis on credit quality such as origination, portfolio

and collection/recovery performance.

* Prepare reporting and analysis presentation materials covering mortgages and home equity loans.

* Deliver in-depth risk analysis, key portfolio insights as well as highly effective loss mitigation strategies.

* Develop/implement/enhance major loss mitigation programs - HAM, CSM, HAM-PRA, 2MP,

short sale/DIL, short pay, innovative collection strategies as well as Responsible Refi program

* Provide critical credit input and analytical support for asset sale execution. On track to achieve

non-performing asset sale of $6B for 2010

* Successfully developed key loan modification tool kits - short sale pricing, REO evaluation and

foreclosure bid haircut, in addition to frequent updates of HAM NPV tool

* Significantly improved NCL(Net Credit Loss) forecast accuracy by introducing HAM monthly

vintage forecast process and HPI/Unemployment sensitivity by delinquency bucket

Wells Fargo Bank , Charlotte, North Carolina 06/2010 - 10/2010

Wellsfargo Home Mortgage

Risk Management Consultant

* Performing monthly real estate portfolio (Pick-A-Pay portfolio) forecast using mathematical, statistical models and other tools (ie, roll rate model, SAS, Excel).

* Performing complex analysis and/or modeling that maximizes profits and/or asset growth and minimizes credit and/or operating losses and other risk exposures

* Developing and maintaining mortgage delinquent models. Using models to provide forecasts

* Providing analytical support on retail credit, operating losses and other product strategies to ensure company goals are met

* Segmenting and monitoring various product groups, vintages, NPVs. Making recommendations to management based on those trends

* Producing performance monitoring and benchmarks regarding growth, mix delinquency, losses and overall profitability and performance

* Coordinating the production of monthly, quarterly, and annual performance reports for senior management; reviewing and analyzing trends in current population distributions

and recommending strategies

* Develop more complex programming models to extract data and/or manipulate databases to provide statistical and financial modeling.

* Create and maintain high quality model procedure documentation.

Eastman Kodak Company, Rochester, New York 06/2008 - 06/2010

Corporate Audit Department

Internal Auditor

* Plans, supervises the execution thereof, as well as reporting the results of all audits conducted to Senior Management and Corporate office

* Ensures adequate controls exist and are relevant to the business environment

* Reacting to and being proactive on any additional projects and assignments (as requested) on an ad hoc basis

* Pays close attention to detail and accuracy, and is successful with meeting deadlines

* Monitoring and assisting with the company's compliance efforts

* Monitoring management timely completion of assigned action plans

Wells Fargo Financial, Des Moines, Iowa 10/2007 - 06/2008

Consumer Risk

Risk Management Analyst

* Forecast losses, delinquencies and foreclosures on real estate portfolios using mathematical and statistical models, economic trends and the current business environment

* Analyze portfolio performance each month, including a review of real state losses, variances between forecast and actual losses, and trends and changes in the portfolio

* Present forecasted real estate losses to business partners including Financial Planning, Collections Group and Portfolio Management

* Work with business partners on development and implementation of Basel II models across lines of business

* Performing data and model analysis, drafting findings and issuing final validation report that include identification of issues, development of appropriate solutions, and

presenting recommendation to Lines of Business and senior management

* Calculate the forecasted losses in accordance with regulatory requirements. Prepare reports summarizing portfolio experience, including information about the current

business environment, portfolio trends, expected portfolio losses, and the forecast assumptions

* Active participation in strategic initiatives, which includes leading, organizing, and facilitating initiatives and/or meeting from a risk perspective

* Identify areas of improvement through various policies, procedures and follow up, and track and monitor those through completion and/or closure

Wells Fargo Bank, West Des Moines, Iowa 03/2005 - 10/2007

HM&Consumer Fin/Card Services/CRD SVC Finance

Risk Management Analyst

* Using SAS, Hyperion Essbase, and other soft-wares collect reporting results from multiple sources and compiling weekly and monthly management reporting documents and

communicating them to various attendees

* Developing, validating, updating and documenting reporting system

* Variance reporting and analysis of monthly, year to date and budget results

* Creating and maintaining models used to support financial reporting and forecast results on an ad-hoc basis

* Providing data supporting and statistical consulting for various project on a timely basis

* Participate in various initiatives and projects, such as ABC and EFO/Re-IP

* Interpreting relevant financial information

* Working closely with other finance group and senior management, recommend business approaches based on various analysis

Kingland System Inc. , Ames, Iowa 5/2004 - 01/2005

Data Research Analyst (intern)

* Fund linkage research

* Shares linkage research

* Securities import exceptions research

* Entities import exceptions research

* Mutual fund break point analysis

Michigan Technological University, Houghton, Michigan 9/2000 - 8/2002

Graduate Teaching Assistant

* Instructed pre-calculus and calculus courses.

* Completed research on risk theory and survival models.

* Analyzed collection/loss data and recommended collection/loss prevention strategies.

EDUCATION

Master of Accounting

Iowa State University (ISU), Ames, Iowa

Graduated, December 2005 G.P.A. 3.5/4.00

Financial Value & Corporate Decisions, Accounting for Strategic Management, Tax Implications of Business Decisions, Advanced Auditing and Assurance Services, Advanced

Financial Management, Advanced Federal Taxation

Master of Science, Mathematics/Statistics,

Michigan Technological University (MTU), Houghton, Michigan

Graduated, August 2002 G.P.A. 3.61/4.00

Mathematical Statistics, Multivariate Statistical Methods, Loss Distribution/Credibility Theory, Regression Analysis, Linear Models

Honors and Accomplishments:

Recipient, Teaching Assistant Scholarship from Mathematics Department

Bachelor of Science, Mathematics

Shanghai Normal University, Shanghai, China

Graduated, July 1995 G.P.A. 3.8/4.00

COMPUTER/ SOFTWARE SKILLS

SAS, Hyperion Essbase, ACL, MATHEMATICA, MS OFFICE, Windows, UNIX, Excel, Access

LANGUAGES

Bilingual. Fluent in both Chinese and English

ACTIVITIES

* Member of MWSUG (Mid-West SAS user group)

* Member of IASUG (Iowa SAS user group)

* Member of ASWA (American Society of Women in Accounting)

* Silver member of BAP (Beta Alpha Psi)

REFERENCE

Available by request

Contact this candidate