Analyst

Jingyi (Susan) Zhou

240-***-**** adnocq@r.postjobfree.com www.linkedin.com/in/susanzhou8997 81 Fleet Pl, Apt 6D, Brooklyn, NY, 11201

EDUCATION

University of Maryland, Robert H. Smith School of Business College Park, MD Master of Quantitative Finance GPA: 3.2 / 4.0 Aug 2018 - May 2020 Relevant Coursework: Financial management, Financial Econometrics, Financial Mathematics, Advanced Capital Market, valuation in Corporate Finance, Financial Programming, Corporate Risk Management, Bank Management Guangdong University of Finance Guangzhou, China

Bachelor of Economics in Credit Management GPA: 3.57 / 4.0 Sept 2014- Jul 2018 Relevant Coursework: Finance, Principles of Accounting, Economics A1, Economics A2, Financial Accounting, Financial Management, International Finance

INTERNSHIP EXPERIENCE

Sunny Lending LLC Gaithersburg, MD

Loan Processor / Loan Officer Nov 2020 – Present

● Loan origination and oversight of processing

● Communicating with clients, updating them on loan statuses, working with them to obtain closing conditions and ensuring all documentation is complete and accurate

● Calculating the income for the clients, estimating their risks, pricing the loan, drafting the loan estimate and obtain AUS approval

● Following up with third party services to ensure required items are received promptly

● Scheduling closing time and matching CD with lender Union Group USA, Inc. New York City, NY

Data Analyst Intern Aug 2019 – Oct 2020

● Researched and collected macro-economic variables that might affect the client company’s Revenue; Visualized and analyzed data by plotting the historical trend, estimating the correlations and run stepwise regressions

● Tested stationarity and cointegration on the historical data, and built multiple linear regression models in Python and R

● Tested the assumptions of regression models, such as the Homoskedasticity, Collinearity and Serial Correlation of errors

● Performed in-sample and out-of-sample back-testing and sensitivity analysis to make sure the model is robust and the mean error does not have big variance China Construction Bank New York Branch New York City, NY Risk Management Intern Jul – Aug 2019

● Delivered a research report on the topic of regulatory requirement for the global systemically important banks

● Researched on the CECL standards and prepared for the potential transformation to the CECL Framework

● Reviewed Credit Recommendation Reports for various clients and conducted appraisal due diligence Acceleration Capital Group New York City, NY

Financial Analyst Intern Jun – Jul 2019

● Analyzed clients questionnaires, quarterly letters, financial statements and strategies to conduct hedge fund due diligence from the perspective of an institutional investor

● Prepared a pre-IPO analysis of a cloud-based cybersecurity company and drafted potential questions for the senior management team

● Calculated margins on incremental revenues and used the approach to project company revenue, operating income and make future earnings per share estimates

● Reviewed hedge fund manager “best idea” stock pitches and performed a mini case study and SWOT analysis around each investment idea tracking the performance of the stock over time China Investment Securities Shenzhen, China

Fin-tech Department Business Analyst Intern Jun - Aug 2017

● Participated in the research project focusing on the marketing overlap of High-Tech and Financial industry

● Assisted senior co-workers on the release and promotion of the newly developed Fin-tech products

● Contributed to the commercial advertisement on social media helping with the branding of the new area of Fin-tech China Securities Depository and Clearing Co., Ltd. Shenzhen, China Issuer Business Analyst Intern May - Jun 2017

● Delivered a summary report on the financial statements (10K/10Q) of selected public companies

● Interacted with the representatives from public companies on the clarification of specific questions

● Interconnected with Shenzhen Stock Exchange on the public company clearing information SKILLSET & ACTIVITIES

● License: NMLS#2092217

● Technical Skills: MS Office Suite (Advanced Excel), R, SAS, Python, SQL, Tableau

● Languages: Mandarin, Cantonese, English

● Volunteer Activities: Volunteer in the opening ceremony of Honest Business Month, Volunteer in the Environmental Health, Justice and Conservation in the Chesapeake, Volunteer in the World Embassy Tour in DC, Volunteer Chinese Tutor

● Interests: Tennis, Piano, Singing

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