Steven Xu Email & Phone Number

Toronto, ON, CA

Toronto, Ontario, Canada

Toronto, Ontario, Canada

Toronto, Canada Area

• Monitored $4 Billion Canadian and U.S. Real Estate Commercial Mortgages, performed annual credit risk analysis and provided rating change recommendations to senior management team
• Followed major Real Estate market, investigated and evaluated credit risk on $332 Million office deals with vacancy concerns
• Assisted on $63.5 Million special projects including loan assumption and discounted payoff requests, evaluated post-closing enquiries, prepared underwriting memorandum for transaction approval on below investment grade.
• Collaborated with different teams to optimize rating change approval process by migrating the entire workflow to SharePoint, improving approval efficiency and reducing operating risk
• Initiated process improvement projects and established a standardized reporting structure to drive consistency in rating rationales

Toronto, Ontario, Canada

• Underwrote real estate development and acquisition transactions, proposed appropriate corporate actions with regards to credit granting and ongoing amendments, as well as the best available financing options to Real.
• Prepared real estate valuation models, analyzed stability of income stream, collateral assets, expense, rent, and cash flow projections, assessed credit risk exposures for land development and construction firms by.
• Conducted Financial Statement Spreading for corporate guarantors with Moody’s Risk Analytics software
• Conducted top-down and bottom-up industry analysis and company specific due diligence in urban Real Estate markets and crafted focused strategy to expand company's corporate business in GTA markets
• Created and presented credit assessment of leasing and acquisition prospects to senior executives for Credit Annual Review

Toronto

Mississauga

• Prepared semi-annual and annual financial statement analysis for assigned mutual funds on a timely and accurate basis
• Increased working accuracy of financial statement reconciliations by using customized Excel Pivot table, Sumifs, Vlookups
• Provided client officers and auditors with detailed explanations to support semi-annual and annual financial results
• Proactively identified and addressed individual training needs of each team member; encouraged team members to support each other

Mississauga

• Researched and analyzed average of 40 fund accounts per day to resolve invalid transactions, with focus on tickets over $150,000
• Initiated and led project to develop new guidelines to increase securities processing efficiency; reduced NSF ticket processing by 40%
• Built strong relationship with AGF advisors by providing exceptional services and timely support regarding rejected orders
• Worked with accounting and operation teams to strengthen knowledge of new products and services, worked to formulate optimal solutions for clients within tight timelines

Master Of Finance, Finance

Bachelor'S Degree, Economics