Summary
Overview
Work History
Education
Skills
Timeline
Generic

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
2018.09 - 2020.02
  • 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
2016.05 - 2018.05
  • 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
2014.05 - 2016.05
  • 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
2012.07 - 2014.05
  • 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
2009.07 - 2012.07
  • 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
2018.09 - 2020.02

Senior Credit Analyst

PREFERRED BANK
2016.05 - 2018.05

Credit Analyst

FAR EAST NATIONAL BANK
2014.05 - 2016.05

Credit Assistant

UNION BANK
2012.07 - 2014.05

Business Banker

FAR EAST NATIONAL BANK
2009.07 - 2012.07

Bachelor of Science - Financial Economics

University of California Riverside
Nikki Chang