Customer Service Real Estate
Resume:
CINDY NG
*******@*****.***
EXPERIENCES:
FLUSHING FINANCIAL CORP., NEW YORK
Treasury and Finance Analyst
May'09- Present
* Manage broker dealer and third party relationships through purchase
and sales of securities. Responsible for transaction risk review, credit
write up and analysis on revenue bonds and GO along with
maintenance of all supporting contracts and agreements.
* Plan and project for maintenance of adequate funds through cash and
other financial instruments for short term investment portfolio.
* Prepare monthly reports summarizing cash projections for senior
management team meeting. Provide ad-hoc analysis, variance & trend
reporting.
* Handle margin calls with broker dealers, custody of cash and
securities settlement (DVP, Free Deliver), monitor funds receipt and
disbursements and settle end of day cash position with
Federal Reserve Bank and Federal Home Loan Bank of New York.
* Assure adequate collateralization to satisfy Board approved
investment and liquidity policy of the Bank.
* Support Government Banking Dept. on competitive bids for Municipal
BANs and TANs. Maintain and handle all documentation with
external attorneys, fiscal advisors, municipalities to
underwriters from initial notice of win to closing of transaction.
* Develop and manage Business Continuity Plan for Treasury Dept.
* Ongoing review of risk assessment and due diligence on Vendors and
Correspondent Banks.
* Interact regularly with senior management of all departments within
the Bank (Risk Management, Commercial Real Estate, Residential
Real Estate, Business Banking, Retail Banking, Internet Banking and
Government Banking) on preparing for short/long term cash forecasting.
BANK OF TOKYO-MITSUBISHI, NEW YORK
Marketing Manager
November'04- October '08
* Provided marketing, research and client support to Relationship
Managers for development of new and existing business in Broker
Dealer,
and Power/Utilities portfolio.
* Managed portfolio of $750 Million for various syndicated credit
facilities, club facilities and bilateral facilities.
* Assisted with origination of traditional commercial loans to cross
sell products such as reverse repos, letters of credit,
securitization,
cash management, capital market, corporate trust, security
lending, F/X, swaps and derivatives.
* Prepared value-added information for marketing materials (pitch
book) / customer research relating to relationship review.
Participated in
client presentations and assisted with RFP and Transaction
Memo for potential cross sell products.
* Analyzed portfolio risk adjusted profitability (RAROC) with
specific haircuts and margins for short term loans/LOC, prepared
economic
capital analysis (ECCALC), relative value analysis (RVA) and
credit risk assessment.
* Tracked portfolio revenue on a monthly basis, forecasted quarterly
budget, funding of loans, account set-up and maintenance, resolved
overdraft discrepancies, managed account plans and corporate
action request.
* Monitored and managed credit lines and exposure limits, tracked
collateral securities and rating position change on Watchlist.
* Assisted and supported Compliance Dept and KYC Analysts on
implementing policy and procedures and internal control for
comprehensive
KYC/CIP recordkeeping, transaction verification, suspicious
activity report (SAR) monitoring and reporting on new and existing
customers.
* Reviewed due diligence/KYC on low, medium and high risk clients
exposed to potential money laundering, BSA/AML Risk Assessment.
BANK OF NEW YORK, NEW YORK
Global Relationship Manager
April '03- November'04
* Administered portfolio of global structured finance trust
transactions related to CMBS, RMBS, ABS, CDO, Structured Receivables,
Life
Settlement Policies, and Project Finance from inception of legal
documentation review to deal closing.
* Managed large transactions for pricing and structure, market
business to new and existing institutional clients, evaluated deal
package, and
screening of perspective clients. Negotiated changes to terms and
conditions, amendments, compliance with financial covenant for
Pooling and
Servicing Agreement, Collateral Agreement, Deed of Charge,
Trust Indenture, Offering Memo, Private Placement Memo and Credit
Agreement.
* Supported Analytics in collateral management, restructured or
released of collateral, waterfall scenarios and assessed exposure
level for existing
investment with stress test models and ensured compliance
with rating agency criteria and guidelines.
* Researched and resolved debt service issues, monitored daily
account activities, managed investments for clients, generated
monthly cash
flow analysis, corporate action/partial and full redemption,
securities transfers and trade processing, and generated servicing
and loan reports.
* Assisted Team Leader in special time sensitive projects and
managed Trust Associates.
CITIBANK, N.A. NEW YORK
Product Specialist
August '98- April '03
* Fiduciary responsibilities as trustee, paying agent, escrow agent,
custodian and registrar for domestic trust and custody portfolio and
handled
project finance transactions.
* Administered and invested funds in excess of $150,000,000 monthly
in Treasury Bills, Treasury Notes, Commercial Paper and Nassau Time
Deposits.
* Actively participated in the retentive marketing efforts
for securing additional business opportunities with law firms, investment
bankers and
industry professionals.
* Monitored proper loss reserve protection to investors via over
collateralization, third party credit enhancement, LOC, and reserve
funds.
* Analyzed financial statements, company certificates and opinion of
counsel with respect to compliance with indenture covenants
* Annual review for transactions, due diligences on Know Your
Customer, AML/OFAC/SDN list, Sarbanes-Oxley law and US Patriot Act.
EDUCATION
NEW YORK UNIVERSITY
School of Continuing Education - Real Estate Institute - Certificate in
Mortgage Banking/Brokerage
BERNARD M. BARUCH COLLEGE
Bachelor of Business Administration Major: International Marketing
ADDITIONAL
Proficient in Excel, Word, Powerpoint, Lotus Notes, Outlook, FHLB 1LINK,
FRB Fedline, JPM Access, Moody's, Ratings Direct (S&P),
Sharepoint, Dun and Bradstreet (D&B), Watchdog Pro, DTC UW Source,
Intralinks, Syntrack and Bloomberg
ACTIVITIES
Active member of PTA Executive Board and Girl Scouts of America
Volunteer: Bank Counselor for Bring Your Kids to Work Day, Camp
Counselor -Fresh Air Fund, Special Olympics, Encore Soup Kitchen
AWARDS
Bank of Tokyo-Mitsubishi - Certificate of Appreciation for Community
Services
Citibank, N.A. - Customer Service Award for Outstanding Team Work
and Customer Satisfaction
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