Donna Yau Email & Phone Number

• Consistent, accurate reporting of financial data, analysis, and risk assessment to all levels of management• Directed efforts to optimize processes and procedures to be efficient workflow(s) throughout the department• Managed a procedure re-engineering project to improve and consolidate end-to-end service processes; restructured communication flow among three teams and increased completion time• Collaborated with department head regarding potential functionality enhancements to data analysis modules to deliver insight to management that enables data-backed decision support• Analyzed current financial and industry trends for small businesses across the United States to present opportunities and improvements that positively impact financial results• Reviewed and consulted on SBA loan requests up to $350,000; evaluated clients’ ability to repay loans, granting credit according to sound credit-granting principles and risk management concepts• Presented cash flow analyses and creditworthiness summaries to the executive team, securing $3 million in additional funding for small business expansion and commercial real estate acquisition• Monitored key performance indicators and trends for various organizations nationwide to provide recommendations for improvements that positively impact financial results

• Provided training and mentorship for new and existing junior underwriters over time, honing their skills on analysis of financial statements, building detailed financial models, and presenting recommendations• Drafted and refined credit policies and risk rating criteria, defining Five Star Bank’s acceptable risk levels in alignment with the organization’s objectives of reinvesting in the community and supporting small businesses• Identified areas for improvement in current underwriting policies and credit products; presented complex financial information and recommendations to senior management, with an average of loan approval of 5-10 per month• Utilized available data analytics software for manipulation of large amounts of data and summarization of key outputs; developed annual operating plans and yearly/monthly financial forecasts• Prepared budget template for available funds of start-up businesses to allow for easier interpretation of financial numbers

Rancho Cordova, California, United States

• Utilized technical skills for data analysis and general reporting of insight that enables data-backed decision support• Analyzed trends of P&L and supporting financial statements to provide actuals, projections, and adjusted pro formas for purposes of presenting to management and team• Performed financial month-end close activities, including accruals, journal entries, headcount reconciliations and budget vs. actuals analysis for purposes of presenting to management and team to drive profitability and growth• Assisted supervisor with developing training materials, best practices, and assessments of financial risks, operational risks, strategic risks, reputational risks, and regulatory risks of an organization• Monitored covenants of clients within assigned portfolio to identify deteriorating credit conditions and compliance with loan agreement, performing periodic reviews of customers where more frequent monitoring is appropriate

Rancho Cordova, California Area

• Analyzed cash flow statements and credit data to provide comprehensive insights, enabling more accurate risk assessments and reducing bad debt• Trained other underwriters on completing thorough financial analysis and provided mentorship toimprove and accelerate team performance• Actively participated in problem solving discussions to implement solutions and permanentlyeliminate bottlenecks• Presented complex financial information and recommendations to senior management, both verbally and written• Supported a third-party brokerage team as their key advisor and facilitated weekly pipeline meetings through Zoom, resulting in increased productivity and $76+ million in loans funded together within three years• Created training materials used to support existing credit analysts and to onboard new employees • Developed PowerPoint materials to assist current analysts in comprehending the inputs and outputs of business data

Stockton, California Area

• Tutored various kids in elementary school to middle school and helped with homework• Coordinated and implemented various educational activities that helped promote academic skills for 1st-7th graders

Stockton, California Area

Stockton, California Area

• Shadowed the Port of Stockton’s desk top specialist to successfully gain experience in the role and complexity of the technology used in modern business through various tasks around the Port• Streamlined document management processes by creating a centralized filing system for confidential documents • Designed a sleek, functional website from scratch, allowing employees to navigate internally through different departments and access forms useful to the Port• Provided support to all departments and performed ad-hoc analysis of various computer and software issues