Jr. Financial Analyst

FRANCISCO T. H. KUO

** ******* ****, ****** ****, NJ, 07310 732-***-**** *************@*****.***

EDUCATION

Rutgers, the State University of New Jersey New Brunswick, NJ

Master of Financial Analysis GPA: 3.8/4.0 June 2019

●Relevant Coursework: Investment Management, Fixed Income Securities, Real Estate Securitization, Economics, R, SAS

●Awards: Beta Gamma Sigma invitee

National Chengchi University Taipei, Taiwan

Bachelor of Business Administration in Finance Jan. 2017

●GPA: 3.96 (Magna Cum Laude) and graduated top of the class

●Awards: Beta Gamma Sigma Faculty Award and College of Commerce Honor student

●Relevant Coursework: Corporate Finance, Investment Analysis, Financial Case Study, Financial Theory and Policy, Derivatives, Portfolio Management, Business Valuation, Capital Market Introduction

PROFESSIONAL EXPERIENCE

Advantage Capital Funding New York, NY

Summer Credit Risk Analyst June 2019 – Present

Effectively analyzed credit applications utilizing the current Credit Guidelines and background check, examining the credit scoring report and providing a complete assessment of the applicant's credit risk.

Captured the critical data from the financial statements and bank statements to assess the data and credit score model by using Microsoft VBA

Assessed the risk rating, problem loans reporting and analyzing loan structure on pricing model

Made recommendations on credit decisions and pricing based on the model results and quantitative analysis. Ensured that the deals approved are up to internal standard with regards to data quality, approval process and documentation, etc.

Coordinated with Business Development and Underwriter to provide insight into deal tracking and pricing adjustment, completing two deals which over a million within a week.

Rutgers Business School New Brunswick, NJ

Research Assistant Aug. 2018 – May 2019

Built a database with information from over 50 cities and states’ Comprehensive Annual Financial Reports (“CAFRs”),

economic data from the Bureau of Economic Analysis, and census data from the U.S. Census Bureau using SAS

Analyzed loan loss indicators and credit quality disclosures provided in the government agencies’ annual filing

Captured stock returns for firms involved in corporate spin-off transactions through assessing financial and governance data;

visualized the trend data and produced the final report

KPMG Taipei, Taiwan

Tax and Investment Advisory Intern Apr. 2018 – June 2018

Performed comprehensive client reviews to ensure the compliance with the Auditor Independence Rules

Drafted with the initiation of over 20 new contracts and renewal of 100+ existing service contracts including Oman State

Federation and Aberdeen Assets Investment etc. by updating contract terms and reviewing key details

Facilitated the custodian bank (Citibank and Standard Chartered Bank) rate negotiation process by collecting data,

including business volumes and transaction history, to formulate the most effective presentation strategy

Collaborated within the British offshore location of KPMG’s Global Tax Center (Europe), playing a key role in providing global tax and accounting compliance services to our international clients

Cathay United Bank Taipei, Taiwan

Summer Analyst, Department of Wealth Management July 2015 – Aug. 2015

Produced the daily Market Update, an internal newsletter that covered key market news and investment strategy recommendations for the Financial Advisor (FA) team, successfully captured the emerging market growth trend and depreciation of Euro

Conducted research on competitor banks’ credit cards and savings accounts to help improve Cathay’s marketing strategy

which increased the credit card sales by 5% in the following quarter

Led a new initiative to help the bank acquire more Millennial generation clients: designed, implemented and analyzed a questionnaire focusing on financial planning behaviors to inform the marketing strategy

Proposed a new product of deducting fixed amount (50USD) per month and investing on socially friendly target to appeal the Millennial customers based on the questionnaire result

SKILLS /CERTIFICATION

Languages: Mandarin Chinese, English, Conversational Spanish

Computer Skills: MS Office, Advanced Excel, Bloomberg Terminal, Python, SAS, R

Modelling Skills: Derivative Pricing, Monte-Carlo Simulation, Binomial Tree Model, Business Valuation Modeling: DCF/PE

Certification: CFA Level I Candidate

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