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OBJECTIVE Looking for a challenging position in financial and credit analysis where I can deploy my experience and education

in order to achieve company's goals. SKILLS Have 3 years experience in financial analysis, financial reporting and credit an alysis. Display strong Effective time-management skills and the ability to work effectiv ely in a team environment. Possess outstanding interpersonal skills and ability to solicit input from other s. Have proficient programming skills in VBA and SAS. Own solid work knowledge of Microsoft Word, Excel, PowerPoint, Access, @Risk and SPSS. WORK HISTORY Credit Analyst - 2010 - Present H & W Elite Realty, LLC. New York , New York Review investors' historical financial data and establish EXCEL spreadsheet to p rovide financial valuations on impact of new debt on current cash flow. Prepare ARS by analyzing collateral and industry assessment; provide an independ ent evaluation opinion across the entire spectrum of credit analysis, due dilige nce, minor closing tasks and loan processing for commercial real estate transact ions to recommend a decline or approval of a request. Underwrite and perform risk analysis of permanent mortgages for property acquisi tion by applying cash flow modeling, asset valuation, debt structuring and prici ng, lease and loan document review. Manage relationships with borrowers, borrowers' representatives including accoun tants and attorneys, and third party vendors including appraisers, environmental ists and engineers. Provide portfolio risk management analysis as necessary for prospective new busi ness. Financial Analyst - 2006 - 2008 Bank of East Asia (Hong Kong), China Coordinated and transferred Letter of Credit, Bill Purchased and Collections amo ng HSBC, JP Morgan and other banks by using SWIFT to facilitate business transac tions. Computed liquidity ratio, FX rates (USD, EURO, RMB and HKD) and other daily comm on ratios to provide explicit financial evaluations. Forecasted annual and quarterly income statements, cash flow and balance sheets. Performed quantitative analysis including European option, spot/flat volatility and duration analysis. Helped to construct new valuation criteria and risk management models to support the bank's equity and asset management businesses.

Prepared daily payment reports with an overview of variations on bank reserved. Investigated and reconciled discrepancies in General Ledger leading to upgrade o f company's accounting controls Communicated with customs brokers for import-export declarations and ensured tim ely delivery Performed cost and profit analysis for preparation of department's monthly finan cial reports. RELATED EXPERIENCE Summer Associate - 2006 - 2006 China Min Sheng Banking Corp. LTD, Wuhan, China Prepared monthly loan ratio and financial performance report for senior manageme nt. Created solutions for survey data access, manipulation, analysis, and interpreta tion. Provided statistics analysis and SAS programming support. Generated the predicted curve and rates. EDUCATION M.S., Risk Management - 2010 St. John's University, New York, New York B.S., Economics - 2006 Jianghan University, Wuhan, China