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Financial Analyst

Milton, Massachusetts, United States
September 17, 2019

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Wuyan (Joe) Zhou

* ******* *****, ******, ** ****1 617-***-****


Highly-motivated financial professional with solid financial background and strong problem-solving skills.

Skillsets: Financial consolidation and reconciliation, Financial reporting, Financial statement analysis, Financial modeling, Excel (Pivot tables, VLOOKUP, complex ‘IF’ statements, Regression model), Bloomberg


University of Massachusetts Boston

•Bachelor of Science in Business Administration (Concentration: Finance) GPA: 3.8/4.0 May 2016

•Master of Science in Accounting GPA: 3.8/4.0 May 2019


•Member of Beta Gamma Sigma (Top 10%) & Golden Key (Top 15%)


Founder Securities Co, Beijing, China May 2018 - Sep 2018

Financial analyst

•Reviewed financial statements and analyzed sales revenues, costs, expenses for all target companies to

generate detailed spreadsheets which identifying trends and develop forecasts.

•Consolidated and analyzed monthly results and budgets. Delivered internal and external presentations,

provided them recommendations on short- and long-range ROI.

•Reviewed and analyzed monthly financial data to optimize daily operations, increasing efficiency by 20%.

•Analyzed Quarterly P&L and Balance Sheet summary Actual vs. Budget, submitted reforecast to finance

manager for accuracy improvement.

Metro Credit Union, Chelsea, MA Sep 2016 - Jun 2017

Junior Accountant

•Ensured accuracy of data and transactions by reconciling monthly statements, including debits paid, credits

received and ending balance.

•Maintained over 300 vendors payment files and resolved purchase order, contract, invoice, or payment

discrepancies and documentation.

•Prepared check payments for signature and completed mail or wire transfer as scheduled.

•Processed payment of employee expense reports and travel per diems.

•Assisted in transferring to paperless accounts payable process to improve efficiency and accuracy.


Financial Analysis and Forecasting for AT&T Apr 2019

•Analyzed Financial Statement by comparing COGS, Gross Margin, Return on Sale, Assets Turnover, D/E

Ratio, Assets/Equity Ratio, and Return on Equity with competitor to find out the advantages and

disadvantages in the competition.

•Evaluated Stock Valuation by computing and comparing HPR with CAPM, and using multiples, One-stage

DGM, and Multi-stage DGM to value the company is under-/over-/correctly- valued, and what is the fair

value of the stock.

•Calculated the WACC of the company by collecting income statement, balance sheet, and all bonds’

information to provide a good overall view of the capital structure of the company.

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