JULIE WANG

53 Buttonwood Drive
E. Brunswick, NJ 08816
(732)266-4931 (Cell) (732)719-3595 (Home)
E-Mail: wang08816@Yahoo.com
OBJECTIVE Seeking a Sr. Credit Analyst position that will utilize my knowledge a
nd analytical skills in credit, financial, economic analyses and risk management
.
EXPERIENCE
7/1/09 a" 12/10 Financial Resources Federal Credit Union Bridgewater, NJ
Credit Analyst
* Underwrite small commercial real estate loans, asset based lending, term loans
and lines of credit.
* Conduct comprehensive due diligence on potential financings including initial
evaluation, analysis of deals and review of legal documentation.
* Meet with clients, participate in on-site visits and conferences, and serve as
primary due diligence contact supporting Relationship Manager.
* Prepare financial statement spreads and written credit analyses for prospectiv
e and existing customers, and present to Loan Committee to make recommendations.
* Liaise with law firms to ensure timely and quality loan closing and legal docu
mentation.
* Manage loan system including booking loans, loan modification, controls over d
isbursement, and loan pay off.
* Participate in stress loan management.
* Provide credit administration support including handling customer inquiries, b
illing, filing, reporting, as well as various projects based on managementas req
uest.
5/07 a" 6/25/09 The Provident Bank Woodbridge, NJ
Underwriter
* Underwrote small and medium-sized commercial real estate loans and C&I loans c
onsisting of commercial mortgage loans, term loans, lines of credit, constructio
n loans, and asset based lending.
* Assessed repayment capacity and associated risks by analyzing financial statem
ents, tax returns, credit reports, global cash flows, collateral valuation,
business profiles, management structure, operations, practice of corporate and s
mall business, industry trends and competitions.
* Conducted due diligence on borrowers and guarantors by using UCC Direct Servic
e, D&B report and other search engines.
* Reviewed loan structures including pricing, term, financial covenants, collate
ral, documentation, and bankas exposure to ensure that loans are made within the
bank policy and in compliance with governing laws and regulations.
* Interacted with Lending Officers and bank management to discuss concerns regar
ding specific loans, evaluate the credit quality and recommend credit rating.
* Conducted customer and site visitations with Lending Officers.
* Prepared written analyses, made loan recommendations and presented to credit c
ommittee.
* Spread financial statements with Moodyas.
2/06 a" 4/07 Millennium bcpbank Newark, NJ
Credit Analyst
* Underwrote small and medium-sized business lending with focus on real estate m
arket including commercial mortgage loans, construction loans, bridge loans, ter
m loans, as well as C&I loans, lines of credit and other asset-based lending.
* Analyzed financial statements, ratios, tax returns, credit reports and persona
l financial statements.
* Performed research on industries and local markets.
* Prepared credit reports and made recommendations to loan committee.
* Conducted due diligence by UCC Direct Service, D&B report, Westlaw search, i-l
ien web page and other tools.
* Performed quarterly loan review and reported any non-compliance with approved
credit terms and conditions, legal lending limits and credit policy.
* Developed stress test model to enhance risk assessment and control according t
o OCCas recommendations.
* Spread data with One Point.
* Directed trainees in reviewing loan documents and spreading data.
12/02- 1/06 Bank of China New York, NY
Credit Analyst
* Prepared written credit analyses for diverse types of commercial loans in midd
le market including commercial mortgage loans, trade finance and syndicated loan
s.
* Assessed credit risk by analyzing financial data, performing research on indus
try trends and peer comparison as well as conducting due diligence on borrowers
and guarantors.
* Reviewed loan structures and documentations to determine if loans were made wi
thin the bank policy and in compliance with governing laws and regulations.
* Prepared loan documents, listed bank policy exceptions, answered questions and
provided support to management during the course of external auditing and OCC e
xamination.
* Projected loss reserve for the Bank, which involved the following types of wor
k: loan portfolio review; credit quality rating migration analysis; identifying
credit concentration; ascertaining and recommending the bankas methods for ident
ifying, measuring, monitoring and controlling credit risk; utilizing both fundam
ental research and quantitative modeling to estimate default probability and del
inquency level.
* Evaluated the Bank investment performance in BOLI program by analyzing both st
atutory and GAAP based financial statements, insurance industry, security market
s and changes in regulations. Prepared quarterly reports and presented to the co
mmittee.
10/00-12/02 A.M. Best Company Oldwick, NJ
Financial Analyst
* Rated over fifty small and medium-sized life and Health insurance companies. W
rote rating recommendations and presented to the rating committee.
* Analyzed both statutory and GAAP based corporate finance focusing on investmen
t assets (bonds, equity, mortgages, real estates, ABS, MBS, CDS, etc.), capital
structure, operating performance, business strategy, management structure, insur
ance regulations and security markets.
* Conducted industry research, peer comparison, ratio analysis, and financial mo
deling and projection.
* Managed meetings and discussions with insurance company executives.
* Interacted with insurance companiesa executives intensively to discuss busines
s and financial issues to deliver rating decisions.
* Performed industry studies and published articles in the companyas internal jo
urnal.

09/99-10/00 Kinetic Concept Inc. Teterboro, NJ

Regional Business Analyst
Prepared and developed regional operating budgets and forecast. Consolidated a
nd reviewed quota allocation to sale representatives. Analyzed business by P&L,
transaction review, sales performance ranks, sales trends, commission research a
nd cost allocation. Provided technical and analytical support to management.
06/95-05/99 First Union Corporation Summit, NJ
Senior Credit Portfolio Analyst
* Forecasted, modeled, and analyzed the Bankas credit portfolio risk consisting
of consumer, real estate, commercial and commercial real estate loans with empha
sis on commercial and commercial real estate loans.
* Prepared quarterly loan loss reserve adequacy report by conducting loan portfo
lio review, non-performing assets and payment probability testing, regional and
industry research, and banking peer group comparison.
* Utilized and implemented Company Scoring & Portfolio Risk Analysis System (RAS
) to assess the bankas credit portfolio quality by risk ratings, industry concen
tration, geographic concentration, and loan types.
* Generated Commercial & Industrial Portfolio Management Activities report to su
pport policy decisions.
* Served as liaison between Wharton Economic Forecasting Associate and the Bank
to build Factor Analysis model.

10/93-05/95 Bank Leumi Trust Company of New York New York, NY

Information System Analyst
Managed and operated Credit Administration System for all commercial and consume
r loan and non-loan credit risk products. Developed, updated, maintained and an
alyzed financial and loan related database. Utilized PAL, Paradox, Lotus 1-2-3,
Always, Centrax and Sims to compile, analyze and present reports for company man
agement.
10/92-10/93 Moishe's Moving Systems, Inc. Jersey City, NJ
Accounting Assistant
Managed daily cash settlements, prepared journal entries, and reconciled cash fl
ow report and daily A/R debit and credit postings. Maintained payroll-tracking d
atabase.
09/90-08/92 University of Illinois at Chicago Chicago, IL
Teaching Assistant, Economics Department
Tutored students in micro and macroeconomics. Assisted professors in development
of various research projects.
EDUCATION
09/96-1999 FAIRLEIGH DICKINSON UNIVERSITY Madison, NJ
Completed MBA core courses, GPA to-date: 4.0/4.0
09/90-08/92 UNIVERSITY OF ILLINOIS Chicago, IL
Master of Arts in Economics, GPA: 4.53/5.0
02/81-02/85 PEOPLE'S UNIVERSITY OF CHINA Beijing, China
Bachelor of Arts in Economics, GPA: 4.75/5.0
RELATED SKILLS:
Working knowledge of both Microsoft Windows and main-frame system based analytic
al and planning models including: Oracle Developer 2000, PARADOX 3.0, dBASE, FOX
BASE, MS Access, MS Excel, TWIN, QUATTRO, MS Word, SAS, AREMOS, Lotus Notes, Hyp
erion, Centrax, Business Objects.
Certified Professional Oracle SQL and PL/SQL programming
Fluent in Chinese
PROFESSIONAL TRAINING IN FINANCIAL SERVICES:
o Workshop on Tracking US Macroeconomic Data and The Economy, Estimation and Mod
eling in Macro-economy and Regional Diversification Study from Wharton Economic
Forecasting Associate (WEFA)
o Certificate of UCC Direct Service
o Certificate of Completion of the Course Entitled Analyzing Construction Contra
ctor from RMA
o Certificate of Completion of the Course Entitled Structuring Commercial Loans
from RMA
o Certificate of Achievement of Real Estate for Investment from Middlesex County
College