EDUCATION

                           Pennsylvania State University , University Park, PA

Smeal College of Business Administration, Bachelor of Science in Finance, May 2006

GPA: 3.1/4.0: Dean’s List in Fall 2003

Relevant Coursework: Multinational Financial Management, Real Estate and Capital Markets, Security Analysis and Portfolio Management, Analysis of Real Estate Markets, Analysis of Business Industry, Intermediate Financial Accounting I, Financial Markets and Institutions, Financial Management of the Business Enterprise, Real Estate Fundamentals, Macroeconomics, Microeconomics

WORK EXPERIENCE

City National Bank              El Segundo, CA    December 2006 – Present

• Applied Baker Hill, Tax Analysis, and Excel to develop financial reports with many different types of consumer and commercial products for Underwriters, such as equity lines, equipment term loan, secured and unsecured line or loan, credit cards, and auto loans
• Analyzed personal and business tax returns’ balance sheet, income statement, and statement of cash flow to evaluate solvency, liquidity, financial flexibility, past performance, and predict future cash flow for the products that the clients are requesting
• Provided underwriters with financial information such as net worth, A/R turnover, A/P turnover, Inventory turnover, debt to net worth, working capital, and current ratio
• Preformed vendor analysis report for privately held and publicly traded companies for risk assessment managers, with information comparing present and prior years of balance sheet, statement of cash flow, and income statement
• Conducted research for risk assessment managers with information such as ROE, debt to equity, Moody’s debt rating, market capitalization, and EPS for further business with City National Bank and privately held and publicly traded companies

FNS INC (Perm- Temp Position)           Rancho Dominguez, CA         July 2006- October 2006

• Provided logistics from our shipper to our end consumers
• Maintained documents and audited freight bills as importer of records for all international inbound shipments
• Offered many different services to our clients such as tracing and tracking international inbound ocean shipments for chemical products, assisting with the end delivery of containers, helped solving problems when occurred with shipments, provided security to our clients for the shipments
• Handled account receivable and payable when occurred during the process of my shipments
• Created room for negotiation with our supplier and buyer to increase our profit
• Transferred assets through FNS’s network system with overseas and our suppliers

UBS Financial Service        New York, NY                      Summer 2005

• Developed proposals for clients’ investments demonstrating the advantages of fixed income such as corporate and government bonds, and equity such as closed end mutual funds, US common stock, and international common stock
• Applied Bloomberg to research equities such as closed-end mutual funds and US common stock, and fixed income such as corporate and government bonds
• Organized clients’ portfolios with adequate information for financial advisors to manage for future uses
• Transferred clienteles’ assets through UBS’s network systems
• Provided financial advisors with client’s portfolio asset allocation for diversification
• Confirmed clients’ realized gain and loss and expected cash for financial advisors
• Conducted performance analysis, relative sector analysis, and statement account portfolio for clients

ACTIVITIES

• Penn State Investment Association (PSIA), 2004-2006 – Supported members as we learned the intricacies of the financial markets; conducted weekly reviews of current events
• Korean Undergraduate Student Association (KUSA), 2004-2006 – Voted as a team leader in 2005 and actively participated to foster intercultural communication
• Asian Society Association (ASA), Penn State Altoona, 2002-2003 - Involved in multicultural group focused on Asian students
• Missionary Trip to Peru-Summer 1997 – Helped people lift up their spirits and constructed a church

SKILLS AND INTERESTS

• Operating Systems: Windows, Mac OSX,
• Software: Excel, Bloomberg, Microsoft Word, Power Point, Baker Hill, Tax Analysis
• Languages: Fluent in English and Korean with some knowledge in Spanish and Portuguese
• Interests: Golf, Tennis, Football, Basketball