Risk Management Credit

Yanting Zhou

New York, NY Tel: 917-***-**** Email : *************@*****.*** LinkedIn : www.linkedin.com/in/yan- ting-zhou0207

EDUCATION

Columbia University in the City of New York, GPA: 3.8/4.0 Sept. 2023 - Dec. 2024 Major: MS in Enterprise Risk Management

Main courses: Credit Risk Management, Financial Risk Management, Intro to Quantitative Risk Management University of Nottingham Ningbo, China, GPA: 3.7/4.0 Sept. 2019 - July. 2023 Major: BS(c) International Business Economics

PROFESSIONAL EXPERIENCE

AXA Hong Kong, Wealth Management Intern Oct. 2024– Present

● Assisted in the development and delivery of personalized financial and investment strategies by engaging in interactive dialogue with clients and prospects to understand their goals, risk tolerance, and portfolio status.

● Assessed the creditworthiness of the firm’s counterparties, monitoring market risks associated with trading activities, or offering analytical and regulatory compliance support.

● Led due diligence, business analysis, and the development of investment thesis, while participating in structuring, negoti- ating, and documenting investments, and actively monitoring portfolio performance. Columbia University, Teaching Assistant, New York, the U.S. Sept. 2024– Present

● Led tutorials for 30+ students on calculating Probability of Default (PD) using quantitative models like the Transition Matrix Model and Merton Model, emphasizing rating migration probabilities, receiving positive feedback for clarity and effectiveness in instruction.

● Collaborated in developing 15+ advanced assignments, guiding students in conducting scenario analysis, resulting in a 20% improvement in exam scores related to credit risk modeling and stress testing under Basel III.

● Conducted credit risk assessments by aggregating exposures at individual and portfolio levels, applying stress testing and scenario analysis to identify risk concentration and ensure compliance with Basel III regulatory capital requirements. Research Assistant for Professor Carl Fey, BI Norwegian Business School May. – Sept. 2024

● Led in-depth market research on organizational structure and innovation to inform strategic decision-making.

● Conducted detailed research on five green energy projects in Africa, analyzing solar and wind energy initiatives led by China, and examined US tariffs on the electric vehicle industry and their strategic impact. Everbright Securities, Wealth Consultant, Ningbo, China Mar. - Jun. 2022

● Formulated analysis of the healthcare industry via Wind covering industry and sector-specific growth, investment logic, industry chain, market drivers and macro-policies.

● Scrutinized 40+ funds by evaluating capital structures, profitability models and return ratios based on SSE 50 Index; ranked selected funds based on the excess return index, to screen for stocks worth investing in.

● Engaged with 100+ prospective clients to explore cross-selling opportunities, troubleshot queries from high-net-worth clients, and provided investment advice.

PROJECTS & COURSEWORK

Comprehensive Financial Risk Assessment Fall 2024

● Collected and analyzed 200+ financial data points for stress testing, including historical price fluctuations, volatility, and interest rate changes across bonds, and GDP growth, identified key risk exposures and provided mitigations accordingly.

● Designed adverse scenarios like market shocks and liquidity crises, using statistical models to evaluate portfolio perfor- mance, reducing potential portfolio losses by 15% through adjustments based on VaR and credit spreads.

● Leveraged derivatives such as futures, options, and forwards to hedge market risk, resulted in a 10% improvement in risk management efficiency, minimizing exposure to adverse market conditions. Project of Analyzing Risks of Mitsubishi and Chevrolet, Team leader of 6 students Spring 2024

● Utilized COSO, Basel II, and Basel III risk frameworks to identify companies' full spectrum strategies and key risks.

● Established customized risk and control self-assessment for control deficiencies and underlying drivers of loss event, in- cluding standard framework, comprehensive survey for risk collections, accountability, and action plan tracking.

● Employed Excel modeling techniques to quantify risks across various scenarios, with a particular focus on financial risk assessment using methods such as Value at Risk (VaR) and default probability estimation. ACTIVITIES

Columbia Risk Management Club, Member of Marketing Team, New York, the U.S. Jan. 2024 - Present

● Enhanced brand awareness by designing marketing materials and managing event promotion, contributing to the club's strategic growth.

Columbia Global ESG Leadership Association, Member, New York, the U.S. Jan. 2024 - Present

● Organized ESG career development sessions and seminars, aiding members in career planning and professional growth.

● Led business negotiations with top financial institutions and manufacturing companies to drive collaborative projects. SKILLS

Certificates: ACCA F1, F2, F3, F4, Crucial Conversation from Columbia University, CFA candidate Computer Skills: Microsoft Office Suite, Stata, Access, Tableau, CSMAR, X-mind Hobbies: hiking, surfing, video shooting and editing, photography

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