► Evaluating default risk of the personal and business mortgages, use in-build calculators in Excel to predict the monthly cash flow based on the given T4/paystubs to find the risk in families and companies’ affordability. Fulfilled $30+ million loan per month.► Analyzing credit history, assets, and real estate appraisals. Analyze the client background data to determine if the risk is acceptable, manage the assigned business book to a target loss ratio, and input the analyzed data and business decisions in the database.► Reviewing financial statements and corporate balance/equity sheets to calculate income, debt, and other performance ratios when evaluating clients’ ability to repay the requested loan. Review up to 400+ pages of financial and accounting statements per day.

► Grow portfolios for 300+ clients that fit their risk tolerance, driving the sales target by understanding customers’ financial goals.► Implement business development strategies to acquire new business from inbound callings and outbound referrals.► Break down strategic problems and analyze data and market releases to provide insights and recommendations to the customers.

► Mining various second-hand BMW and Mercedes-Benz model data from auto trading websites utilizing Excel to build regression models between mileage and price to compare changing trends in used car trading prices.► Performing solid statistical and numerical analysis in Excel to forecast electrical usage via temperature fluctuations and usage trends to predict consumption for the upcoming year. ► Enhancing communications and optimizing program processes and strategic planning by conducting meetings, creating reports, and providing critical data to the program supervisor.