Financial Data

Xinyu (Nina) Yang 202-***-**** ******@*****.***

EDUCATION

Johns Hopkins University Carey Business School

Master of Science in Financial Economics (STEM-designated) Washington DC, U.S.

Jul 2019 – Aug 2020

Courses: Financial Modeling, Data Analytics, Linear and Non-linear Economics, Computational Finance (Matlab) Shanghai University of Finance and Economics Shanghai, China Bachelor of Law in International Finance Law (LL.B.) Sep 2015 – Jun 2019 Saint Vincent College, School of Business Latrobe, PA Business Analysis (Scholarship) Aug 2017 – Dec 2017 PROFESSIONAL EXPERIENCE

Ivy Direct Maryland, U.S.

Credit Analyst, full-time Oct 2020 – Mar 2020

• Conducted analyses and assessment of credit and financial data by applying statistical tests to determine the degree of risk, creditworthiness for borrowing, and potential for default; Determined numeric ratios using software and quantitative tools such as VBA and SQL, based on key indicators like DTI and LTV

• Analyzed and interpreted financial statements and tax returns as well as proforma and projections using trend analysis, ratio analysis, cash flow analysis and industry averages, as well as macro/industry trends review; Managed over 400 loan applications by performing credit review and compliance review and processing documentation;

• Developed phase-in execution strategy to bring pre-closing files in-house and coordinated with third parties to ensure completeness of the applications and timely close of escrows; Maintained continued high credit quality for Ivy Direct

• Automated loan defect categorization process, created internal performance framework and provided training recommendations to management by deploying data cleaning and processing in SPSS; Provided a written narrative of the loan proposal including any relevant information discovered including recommendations and concerns regarding the prospective/present customers

Alpha Capital

Business Analyst, Intern

New York, U.S.

Jun 2020 – Aug 2020

• Produced high-quality valuation analysis and cash flow forecasting to evaluate the equity value of target companies; Developed quantative tools and models to improve decision making and assessment of target financial products

• Understood business requirements and adequately represented the business in meetings and ensured that any outcomes meet their requirements; Conducted research on industry trends, market insights, competitor analysis, new technologies, customer demographics and more

• Adapted business to demands of new and changing business environment, particularly legislation and regulation, and work with technology and support functions (Risk, Compliance & Legal, New Business, Finance, Internal Audit, etc) to provide solutions

• Built relationships by communicating effectively with business heads, senior managers, team members, technical experts and Corporate functions

Yingjia Capital Shanghai, China

Business Analyst, Intern Feb 2019 – Jun 2019

• Conducted data analysis to identify opportunities for improvement and developed a deep understanding of the drivers for the key metrics across the business; Prensented data and research results through data visualization tools like Tableau

• Supported the team in mining data and exploring specific investment opportunities and sectors and improving asset allocation and quantitative equity process

• Participated in all aspects of investment transactions including sourcing, detailed financial and quantitative analysis, corporate valuation; Provided consultative support and recommendation to asset allocation models and fund selection

• Monitored financial and operational conditions and industry trends of assigned portfolio companies, synthesized and analyzed business intelligence data across multiple sectors to identify industries of potential growth Guotai Junan Securities Shanghai, China

Research Analyst, Intern May 2018 – Jan 2019

• Balanced equity research with daily operational tasks (reconciliation, reporting, trade execution, etc.); Contributed to process improvements like spreadsheet redesign, macro building to reduce the time consumed by operations; Developed a customized monthly report template to automatically extract fund portfolio stats from Bloomberg, including YTM, Modified Duration, Asset Allocation, and Market risk-return analysis

• Performed data cleaning, financial analyses, primary research on companies and industries; Prepared and updated valuation models and monitoring existing investments; Provided research input on potential third party investment managers

• Compiled a comprehensive report for FOXCONN based on a deep-dive analysis on its historical financials and capital structure, collected relevant data from Wind to make the market scale and profitability analysis, which realized a 110% rate of return since incorporated into the fund

China Construction Bank Shanghai, China

Wealth Management, Intern Dec 2017 – May 2018

• Contributed to the investment solution brochure by performing cash flow and financial ratio analysis for 3 key products; distributed product questionnaires to 70 customers and obtained an overall satisfaction rate of 98%

• Implemented Business Analysis& Reporting automation to improve process efficiency, reducing the use of manual inputs and saving over 1 hour during the close week

• Organized wealth management seminars on a weekly basis, prepared research reports covering market update, risk assessment, and competitor analysis to facilitate credit decision making at the senior management level

• Reviewed Apply interpersonal communication skills over the phone and in-person to conduct customer service PROGRAM EXPERIENCE

MAS financial modeling and valuation program Washington DC, U.S.

• Analyzed Masco Company and wrote a full equity research report with a buy, sell, or hold recommendation; Prepared a report from the perspective of an independent finance analyst;

• Gathered and organized past financial statements; Developed the next five-year forecasted Pro-forma statements based on the modified income statement and balance sheet; Computed critical financial statistics and ratios for the past and forecast years; Valued the firm and its equity using various approaches; Performed sensitivity/risk analysis

• Interpreted the results of financial and valuation reports, discuss insights or practical questions that arise from analysis, and make recommendations that are supported by analysis Johns Hopkins University Washington DC, U.S.

Research Assistant Nov 2019 – Apr 2020

• Investigated contributing factors of brand authenticity by conceptualizing and implementing sentiment and emotion analysis which enabled long-term business branding strategy; Gathered and analyzed industry activity, customer demographics, buying habits, and preferences to build correlation with brand authenticity using Python and R

• Interpreted dynamics using regression model with Matlab to determine key factors to brand image, and deliver insights that lead to business transformation

ADDITIONAL QUALIFICATIONS

• Skills: Microsoft Office (Pivots, Vlookups, etc), SQL, Tableau, Python (Pandas, Requests, Matplotlib), R (Rcrawler, Dplyr, Ggplot2), Financial Modeling, Matlab, Bloomberg

• Certificates: Certificate of Securities Professional, Certificate of Accounting Professional

• Languages: Native Mandarin, English

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