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Corporate Lending

Brooklyn, NY
October 13, 2020

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Erik Liu

718-***-**** ● ● *** 50th Street, Brooklyn, NY 11220


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


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

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