Erik Liu
● 718-***-**** ● adgx0z@r.postjobfree.com ● *** 50th Street, Brooklyn, NY 11220
Education
Lehigh University - Bethlehem, PA September 2015 - May 2019
Bachelor of Science in Finance Related coursework: Principles of Economics Money Banking, and Financial Markets, Corporate Financial Policy, Investments, Applied Microeconomic Analysis, Securities and Portfolio Analysis, Financial Modeling, Real Estate Finance, Business Information System
Experience
Cathay Bank - New York, NY
Corporate Lending July 2019 - Present
Analyze lending opportunities for the bank by performing financial analysis, evaluating both quantitative and qualitative factors, assessing credit risks, and factoring credit limits on clients. Report these findings and make recommendations to senior management through credit proposals
Underwriting and structuring loans catered towards client’s needs while limiting bank’s downside, accounting for metrics such loan-to-value, EBITDA, collateral, guarantor strength, debt service coverage, and other financial metrics
Build credit risk financial models utilizing projections, leverage, and data points to examine credit risk under different scenarios and stress levels
Effectively assist senior managers in deal execution through conducting deal due diligence, quality assurance of document, serving as the communication channel with clients, and acting as the lead in coordinating with both internal and external departments
Work with senior managers to maintain and review existing portfolio consisting of over $600M in bank exposure through tracking of covenants, analysis of capital, credit, risk, and maintaining relationships with clients
Assess bank’s collateral downside through analyzing real estate valuations (properties and construction projects) in key demographic areas utilizing appraisal reports, market research, industry trends, and key data points
Fedcap - New York, NY
Corporate Finance Analyst June 2018 - August 2018
Collaborated directly with senior staff to forecast budgets and ensure accuracy of financial information of various financial documents
Performed financial analysis and developed metrics to measure the efficiency and effectiveness of various projects and programs that were being implemented
Built budget models to measure how proficient the company is in reaching its goals and using its resources optimally by examining past cost drivers and results and forecasting future performance and goals.
Performed data driven analysis on programs the company was running and made recommendations to management on how to make improvements based on trends and insights revealed from the data
New York Life Insurance Company - New York, NY June 2017 - August 2017
Finance Intern
Led fact-finding sessions and produced illustrations and estimates to recommend financial products to clients, identified target markets and formulated optimal strategy to market New York Life products to potential clients
Reached out to hundreds of businesses to form partnerships for our company’s Business Alliance Program
JH Darbie & Co. - New York, NY June 2016 - August 2016 Sales & Trading Program Intern
Worked closely with a team of 15 interns and Senior Management in all aspects of company’s day to day operations
Researched asset allocation strategies designed to help manage risk while pursuing various long-term
financial goals via upside participation and downside protection
Attended and actively participated in daily meetings to discuss global macroeconomic events dealing with financial markets and the economy
Skills, Activities, & Interests
Skills: Microsoft Word, Excel, PowerPoint, Access, SQL
Languages: Cantonese – Fluent, Mandarin - Conversational
Activities: Delta Upsilon Fraternity, Lehigh Ascend (VP External), Investment Management Group, Lehigh
Consulting Group
Interests: Basketball, Football, Sports Data Analytics, Travel, Podcasts
Motivated Consultant, Accounting Goal Oriented Financial Market Knowledge Analysis Modeling Clients Trading Financials IT Project Management Equity Teamwork People Skill