Experienced Credit Analyst skilled in risk

analysis for all types of banks and other

lending institutions. Proven experience in

assessment of creditworthiness of client

companies. Wide background in financial

information analysis including cash flow

records and management accounts.

Strong St current knowledge of compliance

and legal issues involved in credit

approval.

Loan Officer with a unique set of

solutions for every problem. Creative in

decision making. Resourceful financial

professional adept at recommending

loans and managing multi-million dollar

portfolios. Increased profits by 200%.

Handled and resolved the largest number

of reporting discrepancies in 2016.

PROFESSIONAL SUMMARY

Corporate Finance

Expert in GAAP and statutory

Cash flow analysis

Data trending

Financial reporting modeling

Self-motivated

Langua Language: English, Mandarin

MS Office Suite

Evaluate at CRE, Syndication

loan proposal

SKILLS

aczsmh@r.postjobfree.com

Email

857-***-****

Phone

35-51 93rd Street, Jackson Heights,

NY,11372

Address

PROFILE

Business Administration (MBA) focused on finance / Accumulated GPA: 3.36 University of Massachusetts –Lowell Manning School of 2013 – 2015 Business

Taipei, Taiwan/ Graduate School of Information Communications Master of Science/ Accumulated GPA: 4.0

Chinese Culture University 2008 – 2011

EDUCATION

Developing financial status, references, and investigating credit histories. Have knowledge of Market Data Systems like Bloomberg. Before reaching a decision, also compare how much cash and liquid assets a business has on hand with how much it owes. Credit risk analysts demand at the actual rating agencies, such as Moody's, S&P and Fitch. Evaluating historical trends, projections, management performance, industry, cash flow, capital structure and collateral analysis.

Validate the accuracy of the internal credit grading / loan rating system Coordinated with team of risk analysis in monitoring risk portfolio level Oversee quarterly reports and fiscal-year reports on a timely manner. Credit Analyst

Hua Nan Commercial Bank, Ltd., New York Agency 11/2015-Current Originated, reviewed, processed, closed and administered customer loan applications. Processed from approval to drawdown including all matters relating. Collects interest, principal and other payments from borrowers. Loan Administration

Ensure the creditworthiness of the loan or customers, Identified problem loans and outline deficiencies.

Stress tests the loan portfolio and individual loans. Evaluate watch list and allowance for loan loss reserves. Recommend and submitted final credit grades to Loan Review supervisor for approval Loan Review Officer

Analyzing and investigating annual and monthly financial accounts Undertaking financial administration

Preparing reports, budgets, business plans, commentaries and financial statements Financial forecasting and risk analysis

Controlling income and expenditure;

Accountant

Hua Nan Commercial Bank, Ltd., New York Agency 9/2015-11/2015 Financial data entry

Prepare financial statement include Balance Sheet and Income Statement Assist Accounting Manager with special project

Financial Department (Taiwan)

Cathay Life Insurance 7/2011

EXPERIENCE

HYDE PAN

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