Vincent Macdonald
Flushing,MI
Summary
Self-motivated finance professional with over five years of entrepreneurial experience. Strong analytical thinker with hands on experience in valuation, financial modeling, credit analysis and personal financial education. Highly driven, detail oriented, and passionate about advising, investment research, and wealth management.
Overview
6
6
years of professional experience
Work History
Equity Research Analyst
CFA Institute
10.2025 - Current
- Conduct in-depth analysis of financial statements through Bloomberg, to build an extensive financial thesis and DCF model.
- Prepare to deliver a professional presentation to CFA industry judges, including Q&A defending methodology and conclusions.
- Facilitate team discussions to ensure alignment on research objectives, fostering a collaborative environment and enhancing collective output.
Tax Preparer
H&R Block
Swartz Creek, MI
09.2025 - Current
- Efficiently process tax returns with software, enhancing accuracy and reducing client wait times.
- Identify and rectify tax document discrepancies, ensuring compliance and lowering audit risks.
- Organize client data using advanced tools, streamlining tax processes for improved submission speed.
- Develop and maintain strong relationships with clients, resulting in repeat business and referrals.
Financial Literacy Teacher
Dow Entrepreneurship Institute
Saginaw, MI
08.2025 - 12.2025
- Collaborated with teachers, senior mentors, and administrators to foster the best learning environment.
- Fostered a positive learning environment, encouraging student engagement and personal growth in financial literacy.
- Designed interactive lesson plans that increased student participation, leading to noticeable improvements in financial understanding.
Car Detail Owner and Operator
UltraShine Car Detail
Flushing, MI
05.2020 - 12.2025
- Implement financial strategies and marketing initiatives that produced an average of 95% year-over-year revenue growth over the last three years.
- Manage financial aspects of the business, including budgeting, financial reporting, and tax preparation, leading to 75% increase in budgeting and inventory efficiency.
- Market Madness 1st place winner.
- 3.70 GPA
Credit Analyst
RMA Commercial Credit Lending Competition
Grand Rapids, MI
10.2025 - 11.2025
- Conducted in-depth financial analysis of GLB's commercial client, Liquid Transport Inc.
- Evaluated creditworthiness, cash flow, collateral, risk exposure, and overall lending viability through DSCRs and industry comps.
- Presented two formal pitches with the SVSU team - one to a panel of banking professionals acting as the loan committee, and another to the borrower, allowing us to communicate from both the lender and client perspectives.
Drum Teacher
Guitar Center
Saginaw
06.2024 - 09.2025
- Taught fundamentals, developed personalized lesson plans, and improved student performance.
Client Service Representative
Appliance Parts Flint
Flint, MI
12.2024 - 08.2025
- Provided exceptional customer service by addressing inquiries and resolving over 300 client concerns, ensuring client satisfaction trust and loyalty.
JP Morgan Chase Investment Banking Job Simulation
Forage
01.2024 - 02.2024
- Identified an ideal M&A target for a client based on an assessment of their strategic and financial criteria.
- Constructed a DCF model to calculate a valuation on an M&A target and made adjustments to account for competitor bids and supply chain interruptions.
- Created a 2-pager containing company profile and summary of the auction process.
Education
BBA - BUSINESS ADMINISTRATION IN FINANCE
Saginaw Valley State University
Saginaw, MI05.2026
Skills
- Client relationship management
- Complex concept simplification
- Teaching and mentoring
- Leadership
- Communication
- Advanced MS Office proficiency
- Financial modeling
- Valuation
- Analytical
- Budgeting and forecasting strategies
CERTIFICATIONS AND COURSES
- Life Accident and Health Producer License Holder, 2025
- Certified in Bloomberg Market Concepts, 2024
- CFA Certificate in Ethical Decision Making, 2025
- Certified in Environmental Social Governance, 2025
- Income Tax Course Certification, H&R Block, 2025
- Investment Banking Training Certification, Forage, JP Morgan
FINANCIAL VENTURES
MONEY MOVES – PERSONAL FINANCE & WEALTH TRACKING APP (FOUNDER)
- Developed and designed a full personal finance platform with income, expense, budgeting, and investment tracking features.
- Built and integrated Plaid API connections for real-time transaction syncing, account aggregation, and investment data imports.
- Created intelligent dashboards for budgeting, net-worth visualization, and cash-flow analytics to improve user decision-making.
- Conducted competitive and user research to define core features, product direction, and the MVP roadmap.
- Currently testing and refining the application’s performance, UX, and data classification logic in preparation for public release.
Timeline
Equity Research Analyst
CFA Institute
10.2025 - Current
Credit Analyst
RMA Commercial Credit Lending Competition
10.2025 - 11.2025
Tax Preparer
H&R Block
09.2025 - Current
Financial Literacy Teacher
Dow Entrepreneurship Institute
08.2025 - 12.2025
Client Service Representative
Appliance Parts Flint
12.2024 - 08.2025
Drum Teacher
Guitar Center
06.2024 - 09.2025
JP Morgan Chase Investment Banking Job Simulation
Forage
01.2024 - 02.2024
Car Detail Owner and Operator
UltraShine Car Detail
05.2020 - 12.2025
BBA - BUSINESS ADMINISTRATION IN FINANCE
Saginaw Valley State University