Toronto, Ontario, Canada
· Skilled credit analyst with experience involving high-yield and investment-grade debts who effectively identified high credit risk investments by using a unique business valuation-based fundamental credit analysis model, avoiding potential losses of nearly CNY 1 billion (about CAD 200 million) · Financial professional specialized in in-depth corporate intrinsic value analysis with expertise in data analysis (SQL, Python, Machine Learning), financial modelling, and financial statements analysis · Effective communicator and team player, capable of collaborating with diverse stakeholders at all levels to navigate complex financial issues and drive informed decision-making
· Perform daily reconciliations of capital stock activities, cash balances, and security holdings, prepare related income and expense adjustment entries, and resolve discrepancies for about 15 mutual funds, ensuring accurate daily NAV calculations · Execute assigned NAV cycle control and review tasks, including generating and validating cross-check reports and performing manual checks, and assist supervisor in reviewing daily NAV impact report, supporting error-free NAV reporting · Calculate and review monthly, quarterly, and annual fund distributions and assess their NAV impact, supporting timely, accurate, and tax-efficient distributions · Maintain detailed, audit-ready documentation of daily work to support internal management review and external audit requirements, ensuring compliance with client reporting requirements · Liaise with internal & external expense, taxation, custodian, operation teams to resolve reconciliation issues, contributing to the whole process of NAV reporting and meeting clients’ information needs · Respond to ad hoc questions from new fund accountants and provide guidance on basic daily tasks, helping new hires integrate smoothly and reducing the training burden on senior staff
· Resigned and prepared for studying abroad to enhance finance expertise (interrupted by the postponement of language and GMAT exams due to the pandemic), and improved English proficiency level to IELTS 7.5 (6.5)/PTE 74 during the preparation period · Completed overseas graduate school applications (including the GMAT exam), and received offers for Master of Finance programs at prestigious institutions: Trinity College Dublin (Ireland) and University of Manitoba (Canada) · Passed CFA level 1 and FRM Part 1 & 2 exams in one exam session (May 2021) · Obtained CPA Canada International’s exemption for 6 PREP courses and passed the Intermediate Financial Reporting I course
· Conducted credit monitoring of 26 infrastructure and real estate private debt investments (about CNY 29 B / CAD 5.7 B), including financial performance reviews, covenant compliance tracking, and borrower repayments cash flow analysis · Designed and implemented innovative semi-automated templates for producing post-investment reports based on essential MS Office functions, improving departmental reporting efficiency
· Analyzed various data gathered from financial statements and other sources to assess, monitor (daily), and report (annually and irregularly) the credit risk of a debt portfolio valued at about CNY 2 B (about CAD 400 M), maintaining a no-default record · Engaged in due diligence for about 20 proposed private debt investments and persuaded investment team to avoid BMW’s Chinese partner (defaulted in 2020) as a potential borrower despite its favourable market consensus in 2018 thanks to my in-depth understanding of accounting principles, financial statements articulations and reporting standards · Produced credit reports and presentations to present business and financial analysis for debt investments proposed by portfolio managers within 1 to 3 days, providing approvals and investment opinions from a credit risk perspective · Enhanced internal credit rating models by regularly researching trends in Chinese coal mining, auto & machinery manufacturing, and financial service industries, supporting reliable and up-to-date ratings · Utilized Wind Terminal (an alternative to Bloomberg) and Excel to build financial model (3-statement and free cash flow) templates, automating the financial analysis part of credit analysis · Reviewed our shareholder (Generali, an Italian-based international insurance group)’s risk policies, investigated GCAMC’s processes and presented an articulated risk framework to our CEO, contributing to a company-wide risk management restructuring project