Summary
Overview
Work History
Education
Skills
Timeline
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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, CA
06.2009

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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Nikki Chang