Manager Financial

Angela I. McGuire

*****************@*****.*** (mobile) 917-***-****

Over 10 years of experience analyzing, evaluating, and assessing risks associated with banks and non-bank financial institutions. Sectors include, insurance broker-dealers, corporates, energy and renewable energy. Capital markets, financial, energy commodity and derivatives markets. Core skills include Fixed-Income Credit Analysis, Operational, and Compliance examinations and audits. Includes rating agency, regulatory, and corporate finance experience. RELEVANT SKILLS:

More than seven years of relevant experience in financial analysis; operational, and bank regulatory credit and capital markets compliance audits.

Researched and analyzing creditworthiness of bank and non-bank financial institutions, and rated the institutions based on rating agency risk or internal rating system.

Analyzed structure and underwriting standards of structured credits, mortgage-backed securities and credit support structures.

Conducted Risk focused, credit and capital markets examinations of U.S. and international money center banks. Assessed credit, market and regulatory risk assessment.

Assessed asset quality to include loan loss reserve, loan charge-off and net recovery policies.

Assessed capital structure per regulatory compliance and balance sheet risk

Monitored and managed limit structure based on counterparty credit risk.

Supervised and reviewed transactions variance and trend analyses;

Effective leadership skills in working with all levels of staff and management to obtain the necessary and required information to document processes associated with the institutions under review.

Trained either junior analysts in bank credit analysis; trained rating agency clients in rating methodology.

Entrepreneurial: experienced relationship manager, experienced in credit and research sales, marketing and business development.

Pacifica Radio Berkeley, CA 2015~Present

Business Analyst, News Department

Areas covered: finance, economic, environmental and carbon markets

Research news topics to provide background and context information news reports.

Assisting in developing new strategic plan for News Department. This includes financial analysis, forecasting and budgeting.

EXPERIENCE:

Associated Renewable New York, NY 2010 – 2012

Director, Environmental Solutions

Developed revenue generating energy audit business as a baseline to cross-selling other products and services.

Developed web content using Google SEO. Wrote insightful articles that made a case for economics of investing in energy audits, energy efficiency and renewable energy. Conducted analysis to include energy prices and statistics to support analysis.

Communicated and explained local laws that governed the energy audit market in New York City targeted at multifamily and commercial real estate market.

Analyzed tax provisions and tax equity investment pertaining to the solar market. MBU RATINGS - Washington, DC 2008 – 2009

Co-founder

Assisted in creating MBU Ratings, a generalist consulting firm focused on providing counterparty credit risk ratings to multinational banking organizations with global interest in emerging markets, including sub-Sahara African economies, as well as, to research and produce individual profiles on banks and non-bank financial institutions.

Sumitomo Mitsui Banking Corp - New York, New York, 2006 – 2008 AVP - Credit Analyst, (Contract), Corporate Finance Group

Reviewed and analyzed counterparty credit requests and made recommendations to approve or decline such requests, based on my analyses.

Conducted financial statement, accounting, and ratio analysis of entity against peer group.

Conducted industry analysis, banking sector analysis for domestic and International markets.

Participated in creating obligor risk ratings for counterparties, as well as, establish credit limits based on an obligor’s internal risk ratings.

Analyzed warehouse lines ( loan collateral) for mortgage backed securities

Monitored financial institutions, as well as, performed extensive research; analyses; and report writings of institutions for credit risk committee.

Monitored capital market risk for institution and counterparty’s traded derivative products.

Trained junior analysts on formal credit analysis, how to determine a conservative bank loan policy based on bank financials and statistical measurements. Reviewed analyst written analysis for submission to credit committee.

Developed excel based financial model to efficiently derive statistics from balance sheet and income statement to save time.

Moody’s Investors Service – New York, NY 1997 – 2003 Associate Analyst, Banking and Sovereign Group Credit Risk

Performed in-depth review/ analysis of U.S. and Latin American financial institutions to generate risk rating.

Rated, wrote, and published original research substantiating the rating and creditworthiness of rated financial institutions.

Financial statement analysis included close attention to key indicators such as earnings; liquidity; capital, and asset quality and loan underwriting standards.

Collaborated with regulatory authorities; senior management team, as well as CEOs of issuing institutions under my covered portfolio when planning a due diligence review.

Built upon existing rating methodology to developed specific analytical procedures for due diligence reviews.

Conducted primary research using extensive due diligence procedures to analyze sovereign; financial, and institutional risks and analyzed the structured finance standards of institutions that were volume issuers.

Provided guidance and training to staff, especially as it pertained to credit and accounting issues. FEDERAL RESERVE BANK - NY, NY 1993 – 1997

Bank Examiner, Financial Analyst

Performed the review of foreign banking organization in the US to ascertain their financial performance and the overall credit worthiness.

Analyzed structure and underwriting standards of structured credits, mortgage-backed securities and credit support structures.

Analyzed money center banks to validate whether the banks operated in a controlled environment with appropriate risk-management processes.

Reviewed and analyzed banks risk- weighted assets for proper disclosure and calculation of bank regulatory (tier I and II ) capital ratios.

Reviewed branches of foreign banking organizations in the US to ensure that their reporting practices are proper and in accordance with the US GAAP guidelines.

Provided accounting guidance to the Federal Reserve Bank's field examiners. Kidder, Peabondy International - Tokyo, Japan 1991 – 1993 Asst. Manager Financial Futures Operations (Back Office)

Cleared and settled financial futures trades. Was a bilingual “link” between the New York and Tokyo Financial futures front and back offices.

Performed front office, sales assistant functions. Experienced in Exchange traded financial futures trading

EDUCATION

MBA degree, University of Chicago, Booth School of Business 1991 B.A. Japanese Language, U. C. Berkeley.

PERSONAL: Speak Japanese and Spanish at business proficiency; volunteer as Business development consultant For biotech start up “incubator, Berkeley Biolabs. 2014~present.

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