Yuqing S.

Experience

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  China Life Insurance Co.Ltd

  Jan 2010 - Mar 2010

  Winter Internship

  Gathered information of potential clients to widen group’s client base.Advised existing clients on financial investments and gave suggestions to improve and broaden firm’s client services. Organized, marketed, and directed investment seminar for 95 potential clients.

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  Fannie Mae

  Jan 2012 - May 2012

  Assistant Research Project Analyst

  Designed framework for Fannie Mae analysts to estimate benefits of mortgage servicing transfer. Simulated and processed large data with different distribution for needed factors to fit model by using R and Excel. Developed two proper models based on different methods, regression model and differential model.

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  Bank of China Hong Kong Limited

  Jun 2012 - Aug 2012

  Summer Intern

  Prospected potential client with 2 Billion HKD annual revenue by conducting deep financial analysis, and peer and panel comparison analysis.Conducted industry research in paper manufacture and pharmaceuticals, wrote industry reports based on the research.Maintained relationship of 5 existing clients by reviewing their financial situations and attending meetings about further cooperation.Got the return offer at end of internship proffered to only 2 of 40 interns.

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  Bank of China (Hong Kong)

  Jul 2013 - Oct 2016

  Progressed in a leading syndication desk in Asia Pacific market, provided financing solutions through efforts in initiating, structuring, underwriting and distribution. Experience in wide spectrum of structured finance products including commercial & industrial (C&I) loans, M&A/LBO, privatization and project financing. Selected Transaction Experience:➢ Mindary USD 2 billion Privatization▪ Conducted in-depth research on privatization of China Concepts Stock, summarized privatization purposes, potential risks and exit strategies of over 30 precedent cases. Qualitatively evaluated feasibility of current deal.▪ Created 5-year financial projections to work on alternative exit strategies, performed risk analysis based on financial statement and peer analysis using financial variables such as P/E ratio, revenue growth and EBITDA margins. ➢ CITIC Capital HKD 2.5 billion Syndicated Loan▪ Structured and negotiated appropriate loan terms such as tenor, price, prepayment, repayment schedule and condition precedent with clients and market partners. Prepared Information Memorandum and Lender Presentation.▪ Led loan distribution using Debt Domain, handled all participant correspondences and prepared process reports twice a week for the client.➢ Hong Kong Mass Transit Railway HKD 25 billion Dividend Financing▪ Provided pricing advice to relationship team by collecting and analyzing all-in yield on syndicated loans lent to state-owned and blue chip enterprises using Loan Connector and Dealogic.▪ Negotiated with clients and other Mandated Leading Arrangers on loan terms and pricing. Organized weekly banks meetings and conference calls and arranged signing ceremony. ➢ Sinocare Potential LBO of Bayer’s diabetes care business▪ Assisted in customer calls and due diligence, researched on diabetes market and selected public company comparables to be used in valuation. Performed 7-year financial projections to structure feasible repayment schedule and evaluate credit risk. Show less Identified customer business needs, provided high-quality products and advices. Developed and maintained strong customer relationships and negotiated loan terms with clients for efficient delivery of services at profitable fee or commission levels.Generated an average 20% revenue increase of current portfolio by focusing on new business development and enlarging existing business through product volume, new client acquisition and increasing the number of products held per client. Analyzed credit risk and insolvency risk of clients, underwrote and seek approval of new credit requests and credit line renewals for existing customers and worked with cross-functional teams to ensure appropriate documentation Show less

  • Corporate Finance Manager

    Jan 2015 - Oct 2016

  • Relationship Manager

    Jul 2013 - Jan 2015
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  United Bank

  Jul 2017 - Mar 2022

  Senior Portfolio Manager

  Lead a Portfolio Manager (“PM”) team to manage United Bank’s business banking loan portfolio in DMV market, consists of over 500 C&I, CRE and government contractor deals with credit exposure up to $1.5 million. Renew maturing loans, clear up exceptions, review risk rating, charge-off non-performance assets and negotiate with delinquent clients for restructuring.Handle referrals of new requests from the branches and existing customers. Conduct evaluation and underwriting of loan proposals by providing financial and market analysis, creating financial projections to structure feasible repayment schedule and evaluate credit risk.Coordinate with loan officer and treasury management to effectively grow fees, deposits, and portfolio revenue by presenting financial solutions to customers.Supervise a group of PMs, assign deals on pipeline report, perform annual reviews and train new hired PMs. Show less

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  Capital One

  May 2022 - now

  Manager, UWPM Subscription Lines of Credit

  Subscription Line of CreditFinancial Institutions Group