Credit Risk Analyst

YUJI LIAO

**** ********* ***., **** * Los Angeles, CA 90025

626-***-**** ****.****@*****.***

CREDIT RISK ANALYST

Versatile, proactive credit risk analyst with strong academic and professional experience in credit risk management, financial modeling, and investment management. Proven ability to work as a crucial member of a cross-functional team to manage transactional risk and operations for both clients and counterparties. Leverages exceptional analytical and critical thinking skills to conduct comprehensive data analysis on credit risk exposure.

Areas of Expertise:

Risk Management • Credit Analysis • Rating Analysis • Asset-Backed Securities • Collateral Valuation

Structured Finance • Securitization • Fixed Income • Derivatives • Accounting • Stress Testing

Financial Modeling Projection/Forecasting • Industry/Market Trends

PROFESSIONAL EXPERIENCE

DEUTSCHE BANK GROUP – DB Risk Center, Berlin, Germany

Senior Analyst – Credit Risk Management, Securitization, Jan 2012 – Mar 2014

Daily credit risk management in multiple capacities.

Served as the Credit Officer for a portfolio consisting of a wide range of securitization deals, including:

o US Non-Agency Alt-A, EU/Japanese RMBS, UK covered bonds, purchased real estate pools, CDS with SPV, and other residential mortgage related products; EU/US CLOs; and Student Loan ABS.

Traveled to London for five-week training session to develop comprehensive knowledge and understanding of Deutsche Bank’s business lines, fixed income/derivatives products, and risk management.

Formulated informed credit opinions and rating analysis by analyzing economic and market data, industry trends, collateral performance, legal documents, and quality of mortgage servicers/asset managers on company credit exposures in forms of derivatives, bonds and liquidity facilities.

Key contributor in performing stress tests of securitization exposures through coordination, data collection, and results reporting of findings to management team.

UFC HOLDING N.V., Munich, Germany

Junior Investment Manager, Feb 2010 – Jun 2011

Facilitated financial modeling for forest investment projects and designed scenario/sensitivity analysis.

Utilized Excel to develop 3-statement projection models.

Supported client pipeline prospects by conducting targeted and relevant market research.

HUAWEI TECHNOLOGIES DÜSSELDORF GmbH, Munich, Germany

Office Assistant/Intern, Sep 2009 – Nov 2009

Assisted with office administration and clerical responsibilities, including supplier management, payment requests, and travel budgeting/coordination. Participated in price negotiations with a variety of suppliers.

Realized significant cost savings by identifying and capitalizing upon partnership opportunity with client.

EDUCATION & SKILLS

Diplom VwL (Bachlor+Master of Science in Economics) – Competition Theory and Strategic Decision

Ludwig Maximilian University of Munich, Munich, Germany

University of Bonn, Bonn, Germany

Passed All Three CFA Exams/Passed FRM (Financial Risk Manager) Part I Exam

Proficient in Excel/PowerPoint and 3-Statement/LBO Modeling

Languages: English (Fluent), German (Fluent), and Chinese (Native)

Valid US Work Permit (US Permanent Resident)

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