Simon Chen Email & Phone Number

Los Angeles, Ca, Us

• Created and developed five-year financial forecast models and enterprise valuation models with variable inputs that were used to forecast prospective borrower’s revenues, operating cash flows, and profitability to determine loan repayment under various cases. • Working with lead underwriters and portfolio manager, prepared and presented memorandums to senior bank leadership for credit decisions.• Coordinated with bank loan officers, legal, operations, and servicing departments in a timely manner to execute loan funding.

• Following the acquisition of the bank, lead analyst responsible for onboarding all historical financial reporting records from legacy database to new monitoring and tracking database. • Under the direction of the lead Underwriters and Portfolio Manager, assisted and completed annual renewals of existing credit facilities and the underwriting of new facilities.• Completed and updated financial ratio calculations of profitability, liquidity, and leverage in accordance with loan covenants, borrowing base certificates for ABL loans, and annual loan reviews for borrowers within the Corporate Banking Portfolio.

• Lead analyst during quarterly Allowance for Loan Losses and Leases process that determined bank reserves to meet federal and regulatory requirements. Also created and maintained portfolio wide reports for various banking groups for presentation to senior bank leadership during quarterly portfolio monitoring meetings• Primary analyst assigned to the Corporate Banking and Power Project Finance portfolios. • Completed accurate and consistent financial statement spreads, quarterly trend analysis, and covenant tests in accordance with bank spreading practices and wholesale credit standards on borrowers within assigned portfolios.

Partnering with senior management and the credit team to develop and create credit guidelines and procedures for leasing transactions.Analyze creditworthiness of applications and prepare lending recommendations while facilitating lease transaction between lenders and internal sales department. Due diligence review of credit applications throughout all stages of the lending process by evaluating guarantor backgrounds, business history, operating performance, and financial leverage.Prepare and reviewed loan documentation to ensure accuracy and correctness for an efficient funding process.

Assisted the loan officers in the underwriting required for establishing a variety of products including vehicle flooring lines for automobile dealerships, leveraged financing for business acquisitions, equipment leases, and commercial mortgages. Helped establish loan covenants and monitored compliance through calculations and documentation on the compliance worksheets; performed collateral valuations and validated Borrowing Bases or Advances with restrictions.Analyzed financial statements evaluated historical operating performance and financial condition and assessed operational and credit risk for bank vendors.Spread Financial Statements, Business Tax Returns and Personal Tax Returns utilizing Moody's Financial Analysis software; prepared Loan and Account summary and financial updates to Asset Quality Reports.

Assist managers in counting and verifying ticket revenue daily and conduct deposits at the end of business days.Work independently of manager supervision to help aquarium guests and visitors.Provide information and directions as needed to all aquarium guests.

Assisted Finance Directors with monthly accounting reconciliations.Performed P&L analysis on various dining and entertainment events under the direction and guidance of the finance director.Supported Finance Director in cataloging and tracking promotions

Bba

Certificate In Data Science