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.
• 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