BELLE WU
Denver,USA
Summary
Proficient and highly-motivated finance professional with extensive experience in providing critical financial insights and supporting strategic initiatives. Adept in financial modeling and analysis, demonstrating ability to deliver actionable insights. My endless sense of curiosity drives my desire for continued learning and to seek out new challenges. I strive to operate with integrity, to build trust and earn credibility in all aspects of my life.
Overview
13
13
years of professional experience
Work History
Senior Financial Analyst
TIAA-CREF
05.2021 - Current
- Streamlined financial reporting processes, resulting in more efficient delivery of crucial information to business leaders and senior management.
- Enable informed decision-making by compiling reports and presenting key findings from detailed financial analysis to business leaders and senior management.
- Developed and maintained comprehensive financial models that informed strategic decision-making for the organization by assessing business performance and identifying key drivers and variance - created several financial models including one which evaluates and categorizes expenses in a more efficient and easier to understand manner, and one to help monitor and review the financial performance of the organization's clients.
- Maximized company resources by performing ad-hoc analyses supporting cost reduction initiatives across departments.
- Assist with preparation of the annual budget by collaborating with business leaders to prudently allocate resources.
- Enhanced team productivity by leading initiatives to improve financial analysis tools and techniques.
- Collaborated with cross-functional teams to drive process improvements and increase operational efficiency.
- Trained junior analysts on best practices in financial analysis and reporting; therefore, contributing to a stronger overall team performance.
Financial Analyst
Marathon Petroleum Corp.
04.2019 - 05.2021
- Delivered comprehensive financial oversight and advice to corporate management and executives to improve strategic planning.
- Presented oral and written reports on general economic trends and industry trends, as well as the financial performance of individual corporations.
- Completed thorough research into volatile commodity market and analyzed and monitored financial information and news related to counterparties to determine appropriate credit limit.
- Enhanced forecasting accuracy by developing comprehensive financial models and tools.
- Effectively handled inquiries and complaints submitted by accounts payable, marketing, other departments, and customers.
- Identified risks associated with projects, contract approvals, and other client accounting issues.
- Created and maintained precise and accurate models, charts, and reports
- Managed, tracked and monitored financial updates, watch lists.
- Strengthened relationships with external partners through timely communication and collaboration.
Ratings Analyst
S&P Global Ratings
01.2016 - 03.2019
- Efficiently processed an average of four credit ratings per week while performing a comprehensive analysis of each issue
- Concise and effective presentation of credit recommendations to rating committee with thorough research and detailed analysis to support each rating assignment
- Published reports on each credit rating assigned, providing detailed rationale supporting analysis
- Maintained strong customer relationships through excellent communication and being knowledgeable on subject matters
- Effectively communicated with public officials and/or financial advisors of the credit issue to gather relevant and necessary information about the entity's financial and management policies
- Thoroughly assessed fiscal and economic status of each entity by analyzing and understanding relevant financial information such as audits, Preliminary Official Statements, debt schedules, income and wealth metrics, budgets, etc
- Passed the US Public Finance Advanced Criteria exam
- Facilitated training and problem-solving sessions to identify process issues, and develop procedures for more streamlined operations and smoother workflow
- Meticulously managed and archived quality documentation
- Successfully prioritized daily/weekly tasks in order to accurately gauge workload, and maintain open lines of communication with team members to either ask for or provide assistance
- Developed strong relationships with clients through clear communication and prompt responses, fostering repeat business opportunities.
- Maintained a strong focus on continuous learning and professional development, keeping abreast of industry advancements and refining analytical skills accordingly.
Credit Analyst
On Deck Capital Inc.
06.2014 - 12.2015
- Conducted thorough analysis of customer information, such as financial statements, to determine level of risk involved for extending credit
- Accessed credit records to evaluate customer histories and gathered loan documentation for underwriting
- Consistently achieved and/or surpassed monthly goals of applications and documents reviewed while maintaining a low Quality Assurance rate
- Gathered and utilized appropriate resources to research and validate documents provided such as bank statements, credit reports, tax returns, leases, etc
- Quickly identified missing and/or necessary information in order to concisely relay requirements to the appropriate department
- Carefully reviewed documents for any indicators of fraud or erratic data
- Assisted with the fraud project, Fraudlinks, by reviewing accounts and giving input to help with the efficiency and accuracy of the process
- Volunteered to help with various projects, such as closing audits, and provided helpful suggestions to make the process more seamless and efficient
- Effectively balanced multiple responsibilities and tasks of processing credit applications as well as closing accounts
- Engaged with new hires by answering questions and helping them integrate into the company culture
- Successfully worked in tandem with sales team and customers to negotiate payments and verify account reconciliations
Customer Relations Advisor/Brand Analyst
Gap Inc. Direct
08.2011 - 10.2012
- Liaised with sales, marketing, and management teams to develop solutions and accomplish shared objectives
- Performed data entry with Salesforce to record call notes, suggestions, and questions
- Followed-through on all critical inter-departmental escalations to increase customer retention rates
- Fielded customer questions regarding available merchandise, sales, current prices and upcoming company changes
- Provided primary customer support for internal and external inquiries in fast-paced environment
- Maintained up-to-date knowledge of product and service changes
- Assisted customers by listening closely, finding solutions to problems, and making recommendations based on extensive product knowledge
- Evaluated customer information to explore issues, develop potential solutions and maintain high-quality service
- Directed incoming calls to internal personnel and departments, routing to best-qualified entity to respond to callers' needs
- Communicated accurate information about promotions, customer programs and products, providing exceptional customer service and driving retention
- Documented complaints and comments from customers and retail stores for potential marketing strategies
- Analyzed gathered data to predict and recognize trends in the market
Education
Bachelor of Science - Accounting
University of Cincinnati
Cincinnati, OH04.2011
Skills
- Advanced expertise in financial and credit analysis
- Detail-oriented research and reporting skills
- Excellent communication and writing skills
- Strong organization and efficient multi-tasking skills
- Expertise with Microsoft Office: Word, Excel, Powerpoint; Think-Cell, and Adobe software
- Extensive knowledge of Salesforce; Sharepoint; Tableau; Oracle; RightAngle; and S&P CapIQ
- Financial statement analysis with strong understanding of GAAP compliance and statutory reporting
- Financial model creation
Languages
English
Native or Bilingual
Chinese (Mandarin)
Professional Working
Spanish
Limited Working
Timeline
Senior Financial Analyst
TIAA-CREF
05.2021 - Current
Financial Analyst
Marathon Petroleum Corp.
04.2019 - 05.2021
Ratings Analyst
S&P Global Ratings
01.2016 - 03.2019
Credit Analyst
On Deck Capital Inc.
06.2014 - 12.2015
Customer Relations Advisor/Brand Analyst
Gap Inc. Direct
08.2011 - 10.2012
Bachelor of Science - Accounting
University of Cincinnati
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