Real Estate Management

ATSUKO KATO

*** **** **** ****** ***#**A, New York, NY 10016

Tel: 646-***-****/Email: ******@***.**.***

SUMMARY

Financial professional with broad experiences in international banks for 20 years; have worked in the areas of credit risk management, credit analyst of corporate finance, underwriting, financial modeling, corporate valuation, industry analysis, fixed income, equity investment, leveraged lending, real estate finance, M&A finance, project finance, and internal auditor for credit risk management.

Developed strong risk analysis and assessment skills for all types of credits of banks and other lending institutions. Strong current knowledge of compliance, legal, internal control, and regulatory related issues involved in credit approval.

Proficient analysis of corporate counterparty risks based on quantitative and qualitative approaches through reviewing historical financial data (BS/PL/Cash Flow), liquidity & capitalization, macro & industries prospects, cash flow projections, corporate valuation, and stress test.

Performed due diligence to mitigate credit risks through analysis of collateral- real estate, leased properties, commodity inventories, trade receivables, and cash conversion cycle of working capital.

Strong knowledge of financial products and schemes - structured loans, syndication, securitization, ABL, lease, stand by LC, commodity trade finances, supply chain finance, ABL, credit insurance and derivatives (CDS, FX, and others).

An industry expert of oil & gas-upstream and midstream, renewable energy, resources (iron ore/copper in Brazil, Peru, and Chile), steel & metal, oil tubular, grains, and railcars leasing. Experienced to cover automobiles and auto parts, textile, and real estate sectors as well.

Performed market and industry research analysis to report them to Management in both Japanese and English.

Relevant accounting knowledge (US GAAP and IFRS) for the work of credit analysis, and internal auditing.

Proficient documentation and credit risk monitoring tasks including covenants, UCC filling, credit risk rating, country risks, and various industry risk triggers.

Knowledge of regulatory reporting for both internal and external examiners- FRB, FSA, and BOJ.

Performed translations of financial and credit related reports and market research materials from Japanese to English and English to Japanese.

Good interpersonal skills and ability to work independently.

Self-driving hard worker with mental toughness and to face challenges and responsibilities. Strong time management and high effective communication skills.

LANGUAGES/COMPUTER SKILLS

Languages: Japanese-Native, English-Proficient, Entry level of Spanish (Learning)

Software and others: MS-Word, Excel, PowerPoint, Access, and Bloomberg.

EXPERIENCE

October 2015-Januracy 2017

Mar 2000-August 2015

Officer-Internal Auditor of Credit Risk Audit Group, Internal Audit Department-Americas Office, Mizuho Bank, Ltd., New York, NY

Internal auditing for credit risks for front offices of corporate finances, investment banking and products groups, credit middle offices, credit divisions, and credit risk management division.

Audit planning, create work program, conduct fieldworks and test works, analyze root cause and identify credit risk related issues, and documented audit related reports. Determine and present observations of risks with recommendation to Management.

Well understand compliances for credit activities, US banking regulations, such as Dodd Frank, Prudential, and regulation W, and Japanese banking regulations for overseas financial operations. Acknowledge of audit procedures conducted by FRB, FSA, and BOJ.

Vice President- Lead Credit Analyst, Credit Portfolio Management Group of Asian Corporate Banking Department, MUFG Union Bank, N.A. New York, NY (a former BTMU)

Lead Analyst of Japanese General Trading Companies (“Sogo-Shosha”) – Managed $9billion of credit risk portfolio of US corporations and projects invested by Sogo-Shosha (Mitsubishi Corp, Mitsui & Co., Ltd, Sumitomo Corp, Sojitz Corp, Marubeni Corp, and Itochu Corp) through quantitative & qualitative approaches with performing historical financial analysis, cash flow projection, capitalization & liquidity analysis, collateral analysis, corporate valuation, industry and macro trend analysis and projection.

Prepared credit applications, credit risk ratings, self-assessment, and credit related memos and reports. Participated and made presentations of assigned accounts in credit risk management committee meeting.

Presented updated oil & gas and commodity market information in relevant to the assigned credit risk exposures to Management upon participating external industrial conferences, such as Bentek, S&P, Platts, IHS, and IR conferences of major energy companies.

Independently originated and underwrote complex credit transactions for corporate and investment banking credit facilities-securitization, operating lease, commodity trade finances, and assets backed finances.

Joined clients meeting with RM officers to support the clients’ needs with providing markets information (credit & industry) and new fund raising schemes, such as off-balance debt and assets-back finances.

Reported Sogo-Shosha’s peer comparison, business & credit trend analysis in North America market to Management, marketing officers in the US, Mexico, and BTMU Tokyo.

Gave suggestions about potential new business areas of Sogo Shosha in North America Market to Business and Product teams based on information though clients and industry analysis.

Coordinated internal knowledge sharing conferences of oil & gas market in twice a year in cooperation with the industry research division.

Acted as one of key analysts for both internal and external examiners.

Supported junior analysts and administrators as a mentor. Advised RM officers to close complex transactions at the credit risk standpoint of view.

Oct 1998-Mar 2000

Credit Analyst, The Sanwa Bank Ltd., New York, NY

Financial analysis of US subsidiaries of Japanese corporations.

Apr 1996-Oct 1998

Account Associate, The Dai-Ichi Kangyo Bank, Ltd.

Administration for real estate finance of US Corporations-investment banking group. Monitored and updated covenant checks list, appraisal reports, credit risk exposure, and UCC filings

Administration of corporate banking transactions.

Nov 1994-July 1995

Import and Export coordinator, Mitsui Textile Corp (A wholly owned subsidiary of Mitsui & Co., Ltd), New York, NY

Handled export documentation (BL, Airway Bill, insurances, and others) and arranged freight forwarders to ship merchandises to Japan.

Interpretation (English to Japanese) to Japanese corporate buyers at Calvin Klein showing events (NYC and Tokyo).

EDUCATION

March 1991

Bachelor of Arts in Commerce, Kanagawa University, Yokohama, Japan

Graduated from of Department of International Trade (Faculty of Economics)

TRAIING &TRADE SCHOOL/CONTINUING OF EDUCATION

Oct 2016

Oct 2015

Dec 2006-Aug 2008

MIS Training Institution

Advanced Auditing for In-Charge Auditors (CEP Credit 24.0)

Fundamentals of Internal Auditing (CEP Credit 24.0)

New York Institute of Finance, New York, NY

Introduction of Alternative Investment (CPE Credit 14.0)

Merger & Acquisitions-Structuring the deal (CPE Credit 7.0)

Corporate Failure (CPE Credit 14.0)

Advanced Credit Risk Analysis (CPE Credit 21.5)

Mar 2000-Mar 2002

Aug 1995-Feb 1996

Completed formal credit training at MUFG (BTMU NY)

Baruch College of the City University, New York, NY

Certificate of business accounting/financial accounting/financial analysis.

Oct 1993-July 1994

Katharine Gibbs School, New York, NY

Received the Executive Secretarial Certification.

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