Nikki Chang
Irvine
Summary
Driven and hardworking professional looking to leverage 10 years of financial skills from Banking & Financial sector into Hotel industry.
Overview
11
11
years of professional experience
Work History
Bookkeeper
CHAO, YU CHAO, CPAs
09.2018 - 02.2020
- Managed full cycle accounting for a portfolio of clients, include payroll processing, bookkeeping, and financial reporting
- Analyzed and maintained financial data to ensure accuracy and completeness
- Recorded journal entries along updated ledger accounts in QuickBooks
- Produced financial statements: balance sheets and income statements
Senior Credit Analyst
PREFERRED BANK
05.2016 - 05.2018
- Managed Commercial Real Estate, Commercial Revolving Line of Credit, Construction and Real Estate Development loans
- Prepared deal sheets and letters of intent for loan officers, and loan committee
- Underwrote new loan requests as to approved pricing, loan terms and conditions
- Maintained loan renewals and loan modifications on the assigned portfolio
Credit Analyst
FAR EAST NATIONAL BANK
05.2014 - 05.2016
- Assisted senior underwriters in the preliminary analyses of certified financial statements, filed business & individual tax returns
- Performed quarterly sensitivity analyses on the assigned loans, stress testing debt service ratio to potential macroeconomic and financial shocks
- Prepared site visit reports on the Commercial Real Estate properties
Credit Assistant
UNION BANK
07.2012 - 05.2014
- Assisted loan department to obtain updated financial statements, credit & appraisal reports for credit review
- Maintained great customer relationships with Commercial Real Estate clients
- Answered phone calls and filed loan documents
Business Banker
FAR EAST NATIONAL BANK
07.2009 - 07.2012
- Processed branch deposits, check and cash withdrawals, loan payments and outgoing wire transfers
- Reconciled cash drawer, bank vault, and ATM machine
- Assisted clients open and close personal / business accounts
- Answered account inquires and resolved issues with high customer satisfaction
Education
Bachelor of Science - Financial Economics
University of California Riverside
Riverside, CA06.2009
Skills
- Effective Communication
- Empathy & Patience
- Tenacity
- Adaptability
- Strong Analytical
- Time Management
- Detail Oriented & Well Organized
- Problem Solving
- Multi-Tasking
- Critical Thinking Skills
- Proficient with Microsoft Word
- Proficient with Microsoft Access
- Proficient with Microsoft Excel
Timeline
Bookkeeper
CHAO, YU CHAO, CPAs
09.2018 - 02.2020
Senior Credit Analyst
PREFERRED BANK
05.2016 - 05.2018
Credit Analyst
FAR EAST NATIONAL BANK
05.2014 - 05.2016
Credit Assistant
UNION BANK
07.2012 - 05.2014
Business Banker
FAR EAST NATIONAL BANK
07.2009 - 07.2012
Bachelor of Science - Financial Economics
University of California Riverside
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