financial analyst

TIANYI(SOPHIE) ZHANG

*** ******* *** *** * Jersey City, New Jersey, 07307 414-***-**** ***********.******@*****.*** Highlights

Technical proficiency operating Microsoft Office (Word, Excel, Access, PowerPoints) Excel with VBA, Macros, Pivot tables & V-Lookup

Financial analysis and modeling

Discount Cash Flow Model

Capital Budget development and forecasting

Education

University of Wisconsin - Lubar School of Business B.S. Business Administration - Finance, Graduated April 2017 Course Highlights: Financial Modeling, Investment Finance, Financial Institution, Corporate Finance, Applied Portfolio Management, International Finance Management, Intermediate Finance Award: Dean Honor List 2013, 2015, 2016 GPA:3.4

Employment History

Henan Tianji Law Firm

Financial Administrative Intern, June 2016 - August 2016 Developed financial reports and analysis to provide precise recommendations to help improve profitability. Assisted the Payroll manager by collecting employee information to calculate monthly salary. Created management reports by using spreadsheet and PowerPoints for upper level management presentation.

Developed and revised management plans to improve initiatives and standards for employees through analyzing periodic employee performance reports.

Binhu Land Limited

Financial Assistant Intern, June 2015 - August 2015 Assisted with budgeting and monthly forecasting projections for upcoming monthly statements to measure whether company is solvent or not.

Produced desired reports to organize employee information and departmental revenue for leased, sold housing, construction projects, demolition, and land development. Collected employee’s information to assist payroll department in calculating the monthly wage. Academic Projects

Client Mortgage Loan Amortization

Developed the loan amortization process through excel functions with different periods (15 vs. 30 years) and interest rate (3.3% vs. 4%) from TD bank database to obtain the total amount paid at end of period. Observed the influence with different periods and interest rates on savings. Result: The shorter loan period with lower interest rates saves more money. (The period with 15 years with 3.3% saves $ 72985.5 than period of 30 years with 4%).

Comparison of Three Models on Capital Budgeting (NPV, Payback & IRR) Constructed net present value approach discounted cash flows by weighted average cost of capital to determine whether projects will be profitable or not. Analyzed payback period among projects by calculating payback periods. Calculated Internal rate of return to make comparison among projects. Result: Achieved a conclusion that NPV model is the favorable approach among analysis. The projects that with positive NPV, lower payback periods, and IRR> cost of capital should be accepted. Common Stock Valuation for Ale House (Discount Cash Flow Model) Produced a report of predictable free cash flow in 5 years by using historic data from Ale House to calculate terminal value.

Established discount cash flow model by discounting all free cash flows to obtain the total value of firm and value of equity $ 46356.16; calculated estimated price per share $ 9.27. Result: Implemented a decision that not to invest in Ale House since the current share price of $ 20 is overvalued compare to the calculated stock price of $ 9.27.

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