Analyst Management

HIROKO KAWAKAMI

*** ********* ****., #**, *** York, NY 10069; Phone: 917-***-****;

Email: ********@*******.***

CREDIT ANALYST

Credit analyst experienced in analyzing corporate and banking

institutions. Detail-oriented professional with strong analytical,

quantitative and computing skills. Proven ability to complete complex

analyses and projects accurately within aggressive deadlines. Team

player with excellent work ethic who communicates well with clients,

peers and senior management.

PROFESSIONAL EXPERIENCE

Moody's Investors Service

December 2005 - Present

Associate Analyst, U.S. Banking, Securities and Finance Companies

Team, New York, N.Y.

. Analyze rated banking institutions to monitor/update their

qualitative and quantitative factor assessments - franchise

strength, risk appetite and positioning, efficiency and core

profitability, asset quality, liquidity and capital adequacy.

. Perform stress-tests on securities and loan portfolios of rated

banks to ascertain the robustness of their profitability, liquidity

and capital adequacy.

. Conduct statistical analysis, including regression analysis,

correlation analysis and hypothesis testing, to update rating

methodologies and enhance credit rating scorecards.

. Write and publish credit opinions and credit analyses on rated

banks as well as special reports on the U.S. banking sector.

. Actively participate in investor briefings, conferences and special

projects, including the development of analytical material and

preparation of presentations.

. Evaluate banking institutions seeking first-time ratings, and

recommend likely ranges of rating outcomes to be provided as

feedback to these issuers, should they decide to proceed with

formal rating relationships.

. Contribute to new business and product development initiatives.

Currently engaged in development of Moody's new Financial Metrics

product that has been designed to automate the financial

performance monitoring of banking institutions worldwide on a

consistent basis.

. Presented credits, defended ratings or recommended rating changes

at Moody's rating committees as appropriate.

Mitsubishi UFJ Financial Group

February 2005 - December 2005

Credit Analyst, Japanese Corporate Group, New York, N.Y.

. Conducted credit analysis of 16 corporate clients: evaluated

operating performance and financial risks using both qualitative

data analysis (company profile, corporate governance, corporate

strategy, customer base, company outlook and any mitigating

factors) and quantitative data analysis ( industry analysis,

competitive indicators, liquidity, asset quality, capital structure

and sources of repayment). Evaluated each company's on-going

performance through analysis of their financial ratios, and

comparing them with industry averages and those of competitors.

. Interacted with senior management of these 16 companies to obtain

updates on performance, financial projections, new strategic

initiatives and changes in strategy.

. Developed complex cash flow models with numerous sensitivity

features to perform 'scenario' analysis.

. Assigned internal ratings based on the company financials and

projected performance.

. Prepared loan applications and internal credit approval packages

for these assigned credits.

Reuters Research, Inc.

January 2003 - January 2005

Financial Data Analyst, Fundamentals Group, Lake Success, N.Y.

Analyzed quarterly, semi-annual and annual operating results of

American, Canadian and Japanese companies. Compiled data from company

income statements, balance sheets and cash flow statements, and

calculated financial ratios.

Researched and published company overviews, segment performance and

equity distributions.

Mizuho Corporate Bank

September 2000 - January 2003

Operations Risk Analyst, U.S. Business Operations Division, New York,

N.Y.

Established operational risk indicators such as error rate, turnover

ratio and loss ratio. Compiled data on trading volumes, payment

volumes, loss amounts and loss frequency, and conducted monthly trend

analysis for reporting to Risk Management Committee.

Key member of the team responsible for the migration of the legacy

Fuji Bank New York customer database to a newly established common

system following the merger of Fuji Bank, Daiichi Kangin Bank and

Industrial Bank of Japan.

EDUCATION

Master of Science in Finance, Kogod School of Business, The American

University, Washington, D.C.

Master of Business Administration, Kogod School of Business, The

American University, Washington, D.C.

Bachelor of Fine Arts, Parsons School of Design, New York, N.Y.

OTHER

Bilingual in English and Japanese.

Computer skills: SAS, SPSS, S-Plus, Excel, Microsoft Access,

Microsoft Word and PowerPoint.

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