Senior Loan Business Services

YU (SOPHIE) SUO

**-** ****** ******, **** Island City, NY ***********@*****.*** 201-***-**** http://www.linkedin.com/in/yu-suo PROFESSIONAL EXPERIENCE

Amadeo Global New York, NY

Private Credit Investment Associate Aug 2024 – Present

• Underwrite, structure, and execute bespoke credit solutions across buyout, refinancing, and growth capital transactions in healthcare, business services, specialty manufacturing, construction, and food & beverage.

• Build integrated financial models, lead sponsor and borrower diligence, draft IC materials and term sheets, and coordinate closing with legal, compliance, and fund operations teams.

• Select Investment Experience:

o $12 Million Structured Credit Facility for a Multi-Pharmacy Acquisition Platform

Structured a $12M senior loan with delayed draws to refinance a legacy lender and fund targeted roll-up acquisitions; analyzed LOIs and integration plans to model projected earnings uplift.

Designed debt tranches with interest-only periods and staged amortization to align with acquisition timelines; negotiated covenant thresholds, including minimum cash and DSCR protections.

Led full diligence process: coordinated calls with borrower counsel, financial advisors, and third-party appraisers; tracked conditions precedent and managed flow of legal and compliance deliverables. o $10 Million Senior Debt Facility for a National Gluten-Free Food Manufacturer

Proposed a $10M facility to consolidate all senior debt and fund growth capex; evaluated historical financials showing $35.6M in revenue and $2.8M in EBITDA with a 37% CAGR since 2020.

Modeled leverage profile under flat growth and channel concentration risk; evaluated procurement dynamics, SKU-level contribution margin, and capacity utilization.

Conducted site visits and led borrower diligence sessions with COO and CFO; negotiated lien coverage and financial reporting requirements with company counsel.

o $10.5 Million Term & WC Financing for Concrete Construction Company Acquisition

Structured $10M senior loan and $500K revolver to fund sponsor-led acquisition of a 30-year Las Vegas-based contractor with

$18.6M revenue and 26% EBITDA margins.

Assessed management transition plan, seller rollover, and successor CEO; built underwriting model and presented to IC with analysis of free cash flow, collateral base, and market durability. Société Générale New York, NY

Investment Banking Senior Analyst May 2021 – Jun 2024

• Deal Structuring and Underwriting: Collaborate with clients in Commodities and Energy to provide various financing solutions, including Acquisition Facilities, Term Facilities, Revolving Credit Facilities, Bridge Facilities, Project Financing, Asset-based Loans, and Letter of Credit Facilities. Support deal origination and execution through pitch books, term sheets, and business credit approval reports.

• Financial Modeling and Credit Analysis: Perform DCF, Three-Statement, and Debt Sculpting models, alongside credit analysis for midstream investment-grade and non-investment-grade companies, ensuring compliance and risk mitigation through financial covenant and collateral oversight.

• ESG Transition, Legal Review, and Cross-Sell: Guide clients in sustainable finance strategies, aligning with ESG policies, conduct legal reviews of loan agreements to ensure compliance and mitigate risks, and identify cross-selling opportunities for banking products and services, collaborating with global teams to enhance client service.

• Select Transaction Experience:

o $1.5 Billion Acquisition Financing for a Refinery

Developed and ran a 10-year operating model with 3 operating scenarios to project financial performance and assess the viability of the refinery purchase.

Conducted pricing analysis to determine the optimal financing structure and terms. o $600 Million One-Year Uncommitted Revolving Credit Facility for a Leading Natural Gas Marketer

Executed comprehensive financial analysis and modeling, including Borrowing Base Analysis, Discounted Cash Flow (DCF) modeling, and Debt Sculpting to assess borrowing capacity and determine lending limits.

Conducted deep dive due diligence, identifying key risks and mitigants, engaging with third parties, and coordinating with legal counsel to ensure regulatory compliance and mitigate potential legal risks. EDUCATION

Cornell University, SC Johnson College of Business Ithaca, NY Master of Applied Economics and Management Technology Management Concentration Jun 2020 Bernard M. Baruch College, CUNY, Zicklin School of Business New York, NY B.A. in Statistics and Quantitative Modeling Minor Mathematics (Core GPA 3.9/4.0) Jun 2019 SKILLS, ACTIVITIES, & INTERESTS

• Language & Skills: Bilingual in English and Mandarin, Microsoft Excel, PowerPoint, Word, Bloomberg, Python, Wind Terminal

• Licenses: Series 79, Series 63, SIE

• Interests: Tennis, Golf, Traveling, Bartending

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