Sales Management

LI ZENG

*** ****** ******, ***** ****, NJ *****

856-***-**** (work); 609-***-**** (cell)

E-mail: **.****@*******.***; *****@***.*****.***

Profile: Formally credit-trained finance and risk management professional with impeccable integrity. Over 11-year experience

in credit, risk management, financial control and pricing. Strong background in international business. Expertise includes:

-Commercial Credit Underwriting -Strategic and Corporate Planning -Sales and Marketing Support

-Pricing & Structure Finance -Risk Management -Business Performance Matrix

-Financial Modeling & Business Analysis -Budgeting and Forecasting -Capital Market

-IPO and M&A -Financial Control -Investment Evaluation

PROFESSIONAL EXPERIENCE

CANON FINANCIAL SERVICES, INC, A CANON COMPANY MT. LAUREL, NJ Sept. 2007 – Current

Senior Manager, Strategic Pricing and Financial Analysis Sept. 2007 – Current

• Manage company’s profitability and margins. Portfolio size is $1.4 billion.

• Develop and implement risk-based pricing and financial discipline in the company to capture pricing opportunities.

• Provide day-to-day leadership and financial expertise in managing Company’s pricing and financial analysis departments.

• Design and create management information database to provide analytics for Company’s sale growth and initiatives.

• Educate management in better understanding the business and portfolio as a key member in the senior management team.

• Monitor the rate card business and price large competitive deals. Develop pricing for new programs.

• Oversee analysts in collecting market intelligence and creating financial models.

CITICAPITAL VENDOR FINANCE, A CITIGROUP UNIT MAHWAH, NJ Jan. 2000– Sept. 2007

Vice President/Credit Officer, Credit Department July 2005– Sept2007

• Underwrote deals over $1MM for the Business Technology group according to regulatory and Citigroup internal policies.

• Managed lending portfolio risks across a diverse customer base.

• Performed financial analysis and prepare credit memos using Moody’s Financial Analyst and Debt Rating Model. Familiar

with public, private and personal financial statements as well as SEC reporting requirements and US GAAP statements.

• Conducted annual reviews and evaluate risks for customers with aggregate exposures over $1MM.

• Classified borrowers’ loan portfolios and provided early warning for problem loans and minimize loan losses.

• Completed all the compliance and regulatory trainings required by credit officers, including Basel II and Sarbanes-Oxley.

Vice President, Corporate Planning & Pricing Department Aug. 2000 – July 2005

• Priced and structured new programs and deals for this $3 billion Business Technology group. Hedged the risks against

cost of fund fluctuations in our pricing programs using capital market indexing and other internal hedge mechanisms.

• Developed quarterly dealer segmentation analysis that included detailed ROE and P&L for 1,000+ vendor relationships. It

was praised as the best practice and was implemented across CitiCapital Vendor Finance, including Canada and UK.

• Participated in developing and implementing company’s long-range strategic plan. Developed tactics to achieve the plan.

• Assisted in managing back-end losses and recoveries by providing analyses in delinquency, losses, and residuals stress test.

• Developed Risk Management Monthly Reporting Package that included historical loss information, monthly loss analysis,

and delinquency by business units.

• Performed complicated business analyses for Managing Director, such as evaluation of exiting certain businesses, purchase

and sale of portfolios, loss forecast, residual exposure risk, and Balance of Payment P&L impact.

• Conducted quarterly business review for all business units and primary vendor relationships. Results are used as basis for

restructuring major relationships, pricing adjustments and enhancing overall business performances.

• Facilitated in integrating of EAB/Fidelity and Associates business acquisitions.

• Managed analysts to collect market intelligence and conduct competitive research.

Senior Financial Analyst, Financial Control and Accounting Department Jan. 2000 – Aug. 2000

• Created dynamic risk-based pricing model, which provides Present Value projections, GAAP income statements and

scenario analyses. Increased productivity ten-fold and significantly reduced turn-around time.

• Provided financial expertise and support to all business units as it related to their financial results, profitability,

productivity, and pricing structures.

Teamed with senior sales professionals in developing new business opportunities and analyzing portfolio acquisitions to

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ensure that corporate objectives were achieved. Provided pricing support to this $4 billion multinational company.

Assisted in portfolio acquisitions and due diligence evaluation process.

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Performed financial modeling and analyses of company’s monthly performance, such as ROE and PV Profits.

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Implemented and assisted the company budget and monthly forecast by utilizing multi-dimensional database.

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Developed new financial models and enhanced existing models to provide innovative business solutions.

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BANKVEST CAPITAL CORP. MARLBORO, MA June 1998 – Jan. 2000

Financial Analyst/ Assistant to the President

• Conducted monthly sales of asset-backed securities through securitization and syndication channels. Familiar with US

capital market conditions, debt instruments and debt structures as well as the associated accounting treatments.

• Prepared company budget, monthly management reports, and analyzed financial condition for the company.

• Assisted to manage company’s cash flow. Developed a cash flow model to forecast company’s cash position.

• Performed financial modeling and analyses of company’s 5-year business plan.

• Developed and implemented company’s financial control and reporting system.

• Participated in company’s preparation for IPO, M&A, issuing of commercial paper and sale of the company.

• Acted as the finance expert in providing financial modeling and enhancing existing models for on-going business.

• Provided information and support for financial reporting and related external audit.

• Assisted in conducting and implementing company’s strategic plan and sales tactics.

• Monitored company’s financial conditions and its securitization covenants.

LEVY TRAJMAN MANAGEMENT INVESTMENT, INC BURLINGTON, MA Sept. 1997 – Dec. 1997

Management Consulting Intern, International Venture Capital Firm

• Performed due diligence and evaluation for investment opportunities in early stage, high-tech companies.

• Prepared and provided investment research reports for prospective investors on behalf of this international VC firm.

• Built an investment portfolio database and conducted detailed market and industry analyses.

RAYTHEON SERVICE COMPANY BURLINGTON, MA May 1997 – Aug. 1997

Summer Intern, Budgets & Planning Department

HANGZHOU INSTITUTE OF COMMERCE HANGZHOU, CHINA July 1987 – Jan. 1993

Librarian

EDUCATION

F. W. OLIN GRADUATE SCHOOL OF BUSINESS AT BABSON COLLEGE WELLESLEY, MA – 1998

Master of Business Administration with honor, Dean’s Fellowship

GORDON COLLEGE WENHAM, MA – 1996

Bachelor of Science in Chemistry, Minors in Mathematics and Economics, Magna Cum Laude

• Sarah Ball Memorial Award (Highest cumulative GPA in all Science, Mathematics and Computer Science majors)

HANGZHOU UNIVERSITY HANGZHOU, CHINA – 1987

A.B in Library and Information Science

CITIGROUP COMMERCIAL CREDIT COLLEGE –Citigroup’s global credit training program MANHATTAN, NY

One of the few graduates who achieved the highest grade level of this best-in-class program Jul. 2005– Dec. 2005

LEADERSHIP DEVELOPMENT PROGRAM –The Center for Creative Leadership January 2009

INVESTMENT IN EXCELLENCE –The Pacific Institute March 2008

Highly proficient with spreadsheet, Microsoft applications and databases. Experienced in Moody’s Financial

COMPUTER

Analyst, DRM, D&B, Business Objects, Hyperion Essbase, Comshare BudgetPlus. Excellent technical skills.

LANGUAGES Fluent in written and oral Chinese. Fluent in Shanghai, Mandarin, Hangzhou and Wenzhou dialects.

Member of Association of Chinese-American Finance Professionals.

PERSONAL

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