Mortgage Risk Analytics Associate Resume Example
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MORTGAGE RISK ANALYTICS ASSOCIATE
Professional Summary
Financial Analytics Professional with over two years of experience in risk modeling and reporting analysis, fundamental research, data analysis, and validation of predictive models using SAS, R and Matlab statistical computing software. Be familiar with CCAR, Basel, FAS107, FAS91, Sox test, and FASB.
Areas of Expertise
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Work Experience
Accenture Contractor JobsMarch 2016 to CurrentMortgage Risk Analytics Associate
Saint Charles , IL
Saint Charles , IL
Colliers Mortgage HoldingsJanuary 2015 to December 2015Credit Risk Consultant
Seattle , WA
Seattle , WA
- Working as Credit Risk Consultant involved in developing scripts for data analysis, data transformation, reporting analytics, model validation, back-testing.
- Extensively involved in performing data analysis of mortgage loan data which involves distribution analysis, impact analysis and outlier analysis.
- Worked with reporting team on summarization automation project, generated more than 20 different reports.
- Provided ongoing reporting that supported information-based decision making and periodic submissions.
- Checked in and out the different script versions by Subversion command in UNIX environment.
- Interacted with business user and implementation team to discuss and finalize the business requirement for analysis.
- Coordinated production activities with balanced knowledge from both business and technical aspects, and ensured effective cross-functional communication of key stakeholders, including model development, implementation and production teams.
- Modified and updated the production code according to the dynamic requirements which are dependent on the scenarios like CCAR/ICAAP/Risk Appetite Baseline, Alternative Adverse, Adverse, and Severe Adverse.
- Interpreted trends and patterns of forecasting results by analyzing key model drivers as well as macro-economic data and prepared consolidation of model results to senior management in reports and presentations.
- Performed ad-hoc model and data related analytics per internal customers' requests using SAS and Excel on a daily basis.
TOPEKA CAPITAL MARKETS, INC Internet & MediaJuly 2013 to October 2014Equity Research Associate
City , STATE
City , STATE
- Worked directly with Senior Analyst (Victor Anthony) in constructing, maintaining financial models and supporting with writing Initiation Reports, Earnings Notes and Industry Segment Notes for distribution to the sales force and both institutional and retail clients.
- Analyzed SEC filings, 10-K, 10-Q, 8-K, etc.
- and other financial data for covered Companies, expanding the coverage from 12 to 16, including the new initiation of Twitter, LinkedIn, Alibaba, Pandora.
- Additionally, coverage companies also include: Google, Facebook, Twitter, Amazon, Yahoo, LinkedIn, eBay, AOL, InterActiveCorp, HSN, Liberty Interactive, Bankrate, Shutterfly, and Vistaprint.
- Updated the financial key data, researched on auto-relationship, management, board and directors, and competitors' information.
- Analyzed Internet & Media sector market data to assess and describe current and long term trends.
- Attended industry keynote, company conference calls, events, and follow up with company Investor Relationships, market news, and sell side analysts.
- Conducted financial statement analysis using relevant historical information to create detailed operational and financial projections for internet & media companies, applying and evaluating the main valuation methodologies (EV/Sales, EV/EBITDA, P/E, and Price/Levered FCF/Share) to analyze covered stocks within the internet & media industry sector.
- Provided investment recommendations for our clients and brokers based on earnings projections, valuation, risk assessment of individual company, and the whole industry development condition.
JPMorgan ChaseMortgage Risk Reporting Analytics Associate
- Mortgage Banking Loss and Forecasting team, involved in data analysis, reporting analytics, model validation.
- Summarized the model output using SAS and generated, validated and analyzed the reporting inputs.
- Worked closely with upstream and downstream clients to communicate and explained the forecast results, including Balances, Delinquency trend, Yields, PD and Severity.
- Developed enhanced reporting through use of Excel macros and SAS programming as needed.
- Performed ad hoc analytical requests such as identifying the opportunities and issues, collecting data, programming SAS, analyzing and presenting a solution.
- Interpreted trends and patterns of forecasting results by analyzing key model drivers as well as macro-economic data and prepared consolidation of model results to senior management in reports and presentations.
- Assisted downstream users to interpret model results and build up business strategies; Generated financial reports of Net Credit Loss, Probability of Default (PD), Loss Severity etc.
- Interacted with business user and implementation team to discuss and finalize the business requirement for analysis.
Education
HARRISBURG UNIVERSITY OF SCIENCE AND TECHNOLOGY Estimated
NEW YORK UNIVERSITYSep 2017Master of Science: AnalyticsCity, StateAnalytics
May 2013Master of Science: Financial EngineeringFinancial Engineering
HOHAI UNIVERSITYDec 2011Master of Science: Computer ScienceCity, CHINAComputer Science
Accomplishments
- Telecom customer segmentation for China Unicom within data mining and analysis skills.
- Researched and compared classical cluster analysis methods.
- Designed different models to analyze data characteristics according to customer requirements.
- Summarized the modeling results and generated Telecom Customer Segmentation solutions.
Languages
English (Fluent), Chinese (Native), Japanese (Basic).
Skills
ad, AOL, Analyst, automation, Banking, Basic, Bloomberg, business strategies, C++, Chinese, Consultant, Credit, Credit Risk, clients, Data Analysis, Database, decision making, downstream, drivers, English, senior management, financial, financial reports, financial statement analysis, Forecasting, functional, investment recommendations, Japanese, Notes, Mac OS, Macros, market, Matlab, MS Access, MS Excel, Excel, Outlook, PowerPoint, Windows, MS Word, Modeling, mortgage loan, MySQL, Enterprise, Notepad, Operating System, Oracle, Pivot Table, presenting, presentations, Programming, Python, reporting, requirement, retail, risk assessment, Sales, SAP, SAS, SAS 9.3, scripts, script, SPSS, Statistics, Tableau, Teradata, trend, UNIX, upstream, validation, valuation, Visio, VBA
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Resume Overview
School Attended
- HARRISBURG UNIVERSITY OF SCIENCE AND TECHNOLOGY Estimated NEW YORK UNIVERSITY
- HOHAI UNIVERSITY
Job Titles Held:
- Mortgage Risk Analytics Associate
- Credit Risk Consultant
- Equity Research Associate
- Mortgage Risk Reporting Analytics Associate
Degrees
- Master of Science : Analytics
Master of Science : Financial Engineering
Master of Science : Computer Science
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