Credit Research Analyst

MON F. SZETO

**********@*******.***

www.linkedin/in/monszeto; 203-***-****

SUMMARY

Credit Research Analyst with wide breath of domestic and international corporate finance experience. Credit trained at global

commercial bank; 3 years in Leveraged Finance at same bank and 3 years in debt Private Placements in insurance company.

Track record of sound investment decisions and planning and executing transactions. Skilled in organizing and planning projects

and transactions, due diligence, risk and financial statement analyses, financial forecasting and modeling, and monitoring of

investment portfolios. Excellent analytical, problem solving, relationship building and collaboration skills with ability to

communicate complex issues.

PROFESSIONAL EXPERIENCE

GENWORTH FINANCIAL INC. – Investment Division, Stamford, CT/Seattle, WA 2006 – 2013

Investment Analyst, Private Placements (Debt) 2010-2013

Originated and conducted fundamental credit research and relative value analyses on debt investment opportunities. Reviewed

and identified pitfalls in debt documentation and covenant packages. Prepared extensive written Investment Memos.

Presented buy recommendations to Investment Committee. Evaluated and recommended appropriate actions regarding

amendments and waivers. Sectors included utilities, REIT and metals and mining. Continued to manage Private Equity portfolio

(see below).

Evaluated 96 transactions, recommended and invested $300 mm in 23 deals, generating relative value of 25 basis points

on average over comparable publicly traded debt.

Managed and monitored debt portfolio of $900 mm from 45 borrowers, experienced no impairment, while keeping

senior management informed of important developments.

Completed credit reviews on 40 borrowers within required timeframe, highest production within Private Placements

Team.

Volunteered over 150 hours during mostly non-business hours to analyze and re-underwrite 50 bonds within legacy

municipal portfolio to improve firm’s understanding of credit exposure to asset class. Recommended sale of

unattractive securities.

Built Excel models based on Moody’s industry rating methodologies for 6 industries to automate corporate credit rating

process, enhancing team productivity and quality of analysis.

Developed and maintained solid relationships with placement agents.

Senior Investment Manager, Private Equity 2006-2010

Joined team to develop and implement alternative investment strategies with focus on private equity. Conducted due diligence

on managers, made commitments and monitored portfolio of funds. Coordinated with other departments to ensure smooth

operations of program including regulatory capital, accounting, and treasury functions. Later took sole responsibility for

managing portfolio of 30 funds with total peak exposure of $500 mm as team was retrenched from 4 to 1.

Reviewed 95 funds in 2006 to 2008, invested in 12 funds, totaling $375 mm in commitments.

Provided training and overview of investment characteristics of Private Equity to accounting and FP&A staff to improve

accuracy of income recognition and cash flow forecasting.

Conducted successful sale of 9 funds in secondary market which resulted in risk based capital savings of $28 mm,

liquidity of $61 mm and elimination of $85 mm capital commitments.

Identified opportunities and worked with finance team to reduce $27 mm of regulatory capital charged against private

equity portfolio.

STONEBRIDGE SECURITIES, LLC, Privately-owned broker-dealer Seattle, WA 2003-2006

Corporate Finance Advisor

Provided capital market/corporate finance expertise to firm's principals and clients that are early stage startups. Recommended

capital structure and capital raising strategies. Produced financial projections, business plans, and offering documents for

clients. Collaborated with attorneys in drafting legal agreements.

Generated revenue in cash and warrants by delivering quality services to 8 early stage startups and small businesses.

Representative transactions:

o Advised Chinese real estate development company in $95 mm fund raising for shopping mall construction.

Gained interest from Wall Street firm with well-received financing memorandum.

o Raised 3 rounds of financing for consumer product company preventing its liquidation.

o Advised wireless software company in creating a corporate structure and raised 4 rounds of financing providing

badly needed liquidity.

PT METAMEDIA INTERACTIF, Jakarta, Indonesia 2000-2001

Indonesia’s first online auction company, a startup company.

Director, Corporate Finance

Recruited to lead IPO team for listing on Jakarta Stock Exchange. Responsible for structuring balance sheet, developing business

plans, budgeting and forecasting.

Designed and implemented cross-border restructuring to qualify company for listing.

Navigated tax regulations and accounting standards under Indonesian and Singaporean regimes saving founders

hundreds of thousands of dollars in personal tax liabilities.

Collaborated with underwriter and attorney to draft business plan and prepare pro forma for prospectus and

registration statement.

UBS INVESTMENT BANK, Singapore 1995-2000

Director, Corporate Finance

Supported in-country relationship managers in winning engagements, then participated or led execution of 10 high quality

financial transactions with total transaction value in excess of $1billion. Countries covered include Indonesia, Malaysia,

Singapore and Thailand. Mentored 2 – 3 analysts.

Organized and led Indonesian plantation company’s $90 million IPO and subsequent $75 million secondary placement;

Identified opportunity and cross-sold debt syndication deal of $197 million debt and several currency swaps.

Supervised valuation of $150 million industrial forest and advised on valuation of $500 million palm oil plantation.

Worked extensively on privatization of Soekarno-Hatta International Airport, Indonesia; Prepared, planned and

organized team presentation to Indonesia government, IMF and World Bank; Won mandate and increased UBS

exposure in region; Proposed acceptable joint venture/concession structure to accommodate Indonesian legal

framework and political reality; Performed due diligence and valuation of concession and financial modeling.

ADDITIONAL RELATED EXPERIENCE

CREDIT AGRICOLE INDOSUEZ (formerly Banque Indosuez), Hong Kong

Vice President – Corporate Finance

JP MORGAN CHASE (formerly Chase Manhattan Bank), New York, NY

Associate – Leveraged Finance; Completed bank’s Credit Training Program

BAIN & COMPANY, Boston, MA

Associate Consultant

EDUCATION AND DEVELOPMENT

BA, Economics, Harvard University, Cambridge, MA

MBA, Finance, University of Chicago, Chicago, IL

CFA Level III candidate

New York University School of Continuing and Professional Studies – coursework on Bankruptcy, Workouts and

Reorganizations

COMMUNITY INVOLVEMENT AND PROFESSIONAL AFFILIATIONS

Treasurer, Organization of Chinese Americans, Seattle Chapter;

Treasurer, Harvard Club of Seattle

Contact this candidate