Consumer ABS

• Demonstrated a deep understanding of Moody’s Analytics credit risk products, including the public firm EDF model under option pricing framework, the private firm EDF model based on factor model of key financial ratios, and the portfolio analysis product RiskFrontier based on single instrument lattice valuation, global correlation, and economic capital calculation• Advised risk management and investment divisions of financial institutions on credit portfolio management. Projects include Economic Capital/ Value at Risk, Asset Allocation, Stress testing, and probability of default modeling• Conducted in-depth product training, effectively explaining complex financial models on conceptual, intuitive, and practical levels• Communicated effectively and fostered strong working relationships with partner teams, such as Product Management, Research,Data, and Sales, through diligent and comprehensive research

• Deeply participated in the execution and issuance of a $90M ABN project for a real estate company by writing bond prospectus, analyzing asset pool, risks associated with transactions, historical financial performance and key ratios• Assisting in the issuance of a $2B ABS project for a financial leasing company by collecting and sorting out supporting files, completing project initiation report, writing bond market report, and drafting other ABS reporting documents• Conducted due diligence check on 34 subsidiaries regarding administrative penalties and credit history• Proficient in using Wind, Office, and data statistics tools

• Prepared forecast report to project annual total revenue and expenses, increasing accuracy by 5% • Analyzed $74M budget reports and annual cost report to support budgeting and planning process• Established 350 cost models to reconcile project cost reports with general ledger and reviewed models as updated

• Guided 50+ customers daily on transactions and answered customer inquiries to provide optimal customer experience • Promoted online banking technology to allow customers to initiate in-branch transactions via mobile device and improved efficiency by 30%• Operated international settlement business, including currency exchange, import and export business and checked 200+ corporation business contracts to ensure legality

• Prepared internal financial reporting and analytics including regular revenue reporting, key performance indicators, and monthly forecast analysis• Evaluated new investment and business opportunities to determine profitability and promoted ¥1M business deal with a Chinese top 10 Fruit Chain Corporation