Wendy Zou Email & Phone Number

Markham, Ontario, Canada

Markham, Ontario, Canada

- Support both Funding & Credit analysis to ensure the regular workflow process is implemented smoothly, and also to find opportunities to optimize the process for enhanced efficiencies.- Pull consumer and commercial credit bureau reports regarding their loan applications.- Determine creditworthiness and risk level of loan applicants based on credit ratings, payment histories and application structures.- Review commercial entity's financial statements to assess their business operation condition and along with financial risk level.- Calculate proof of income to get updated debt service ratios and payment to income ratios, ensure those ratios remain within guided limits.- Make recommendations on approval decisions, escalate complicated cases to senior analysts to seek for possible options to ensure that the risk is controlled within acceptable level.

Markham, Ontario, Canada

- Mainly focused on data reporting and data analysis based on Excel utilization.- Fetch data from different sources, check data validity and update data accordingly in multiple linked Excel spreadsheets on daily basis.- Perform Excel calculations based on various formulas to get results, create reports using the updated results and deliver the reports to different departments.- Monitor and investigate on risen issue, troubleshoot the root cause and fix issues in short time frame.

Markham, Ontario

ACHIEVEMENT：* Awarded as the top-performing employee for 2nd quarter in 2016.-------------------------------------------------------------------------- Perform UAT testing and functionality testing to verify system is functioning as desired, report and keep track of issues.- Led initial enrollment and portal on-boarding project to ensure all processes were completed in order and meeting requirements.- Audit submitted applications to ensure all documentation are meeting corporate standards and regulations.- Collect client feedback, work with senior Business Analyst and Product team collaboratively to discuss enhancement possibilities based on feedback.- Identify and troubleshoot on system and data issues, work with product and technical teams to provide resolutions.- Recognized work process inefficiencies and suggested on process improvement, successfully reduced request transaction time.- Analyze data discrepancies between different systems, find root causes and make corresponding adjustments.- Authorize payments to dealers, perform funding process and ensure all data are accurate and complete.- Provide training sessions to clients and other team members to understand business rules, regulations and expected work process to follow.

Markham, Ontario

ACHIEVEMENTS:* Awarded as the top-performing employee for 3rd quarter in 2014.* Made the MOST sales in a one-month team competition held in 2014.* Created and sent the MOST number of leads to sales team.-------------------------------------------------------------------------- Provided 1st call resolution to respond to clients' inquiries and requests on lead management system (similar to CRM).- Identified and troubleshooted on technical issues, created level II Jira tickets to report and keep track of issues.- Acted as liaison between clients and internal teams to gather information and translate them into specific business requirements.- Documented work process in text and drew process flowcharts, made creative and constructive suggestions to enhance efficiency of daily work process.- Kept account information up to date, created & followed up with cases in Salesforce.com, and performed multiple tasks.- Provided back-end support to transfer sales leads to inside sales department to maximize sales opportunities.

Toronto, Canada Area

ACHIEVEMENT:* Completed CIFC and LLQP courses and passed both exams in only 2 months - much shorter than average time period.-------------------------------------------------------------------------- Filed annual tax returns for individuals and self-employed clients following CRA tax regulations.- Advised on financial planning strategies based on clients’ financial needs and conditions to help achieve their financial goals.- Utilized marketing strategies to look for potential clients and sent referrals to senior client specialists to follow up.- Gained in-depth knowledge of various financial products like mutual funds (TFSA, RRSP, RESP) and insurance.

Master’S Degree, Finance

Bachelor Of Science, Information And Computing Science