Ray Chang Email & Phone Number

• Currently working on buy-side transactions in the fintech, consumer products, and real estate industries• Preparing detailed financial models including merger and acquisition models (M&A) and leveraged buyout (LBO) models• Valuing companies using EV, EBITDA and industry specific multiples; supported by comparable company analyses, precedent transactions, and discounted cash flow (DCF) analyses• Currently building M&A model to support expansion of manufacturing facilities and other acquisitions for middle market consumer goods company

• Built DCF and other financial models to analyze competitive landscape, credit risk profiles, and insolvency ratios• Analyzed SEC filings and related client account documents including tax and audit reports and transaction records for three clients• Tasked by senior management to develop an investment thesis for prospective clients

Springfield, Massachusetts, Us

• Led a team of seven other finance interns to conduct field research and analyze findings, ultimately delivering a 60-page comparative analysis of 14 different retirement products• Leveraged company systems to develop client-oriented investment portfolios using mutual funds provided on MassMutual’s proprietary platform; drafted a 30-page fund portfolio report• Met directly with high net worth client to foster their understanding of financial planning strategies

New York, Ny, Us

Subjects: Financial Risk Management and Introduction to Life Insurance

• Built financial models for six land development projects in support of major lease, sale, and refinancing strategies with values exceeding US$50 million• Produced 25 due diligence and business valuation reports on developable real estate, facilitating the bidding process and allowing Han Po to negotiate with buyers, sellers, and other stakeholders from strongest possible position• Negotiated with sales agents to advertise properties valued at up to US$138 million, contributing to a 5% increase in the company’s pre-tax revenues

Master’S Degree, Actuarial Science

Master Of Laws (Ll.M.), Business Law

Bachelor Of Arts (B.A.), Economics

Bachelor Of Laws (Ll.B.), Financial And Economic Law