Vincent Macdonald
Flushing
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
09.2025 - Current
- Conduct an in-depth analysis using a three-page financial statements analysis and reference Bloomberg data to build an extensive DCF model and an accurate WACC of 6.54 on Penske.
- Prepare to deliver a professional presentation to CFA industry judges, including a Q&A defending methodology and conclusions.
- Facilitate team discussions to ensure alignment on research objectives, fostering a collaborative environment, and enhancing collective output.
Financial Literacy Teacher
Dow Entrepreneurship Institute
Saginaw
07.2025 - 11.2025
- Collaborated with teachers, senior mentors, and administrators to foster the best learning environment.
- Built a positive learning environment, encouraging student engagement, and contributing to 45% test improvements by semester end.
- Created scenario-based lessons that pushed students to make and defend real financial decisions.
Car Detail Owner and Operator
UltraShine Car Detail
Flushing
04.2020 - 11.2025
- Implement financial strategies and marketing initiatives that produced an average of 95% year-over-year revenue growth over the last three years.
- Manage the financial aspects of the business, including budgeting, financial reporting, and tax preparation, leading to a 75% increase in budgeting and inventory efficiency.
- Create retention strategies that result in long-term repeat clients.
Tax Preparer
H&R Block
Swartz Creek
08.2025 - Current
- Streamlined tax preparation workflows to improve accuracy and shorten client turnaround times.
- Analyzed client tax scenarios across 70+ returns to identify savings opportunities and filing strategies.
- Built client trust by delivering clear tax explanations, and dependable support.
Credit Analyst
RMA Commercial Credit Lending Competition
Grand Rapids
09.2025 - 10.2025
- Conducted a detailed analysis of GLB's commercial client, Liquid Transport Inc., using the 5 C's.
- Evaluated over 17 metrics of creditworthiness, cash flow, collateral, risk exposure, and overall lending viability, using key metrics like DSCRs and debt to equity.
- Presented two formal pitches: 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.
JP Morgan Chase Investment Banking Job Simulation
Forage
12.2023 - 01.2024
- Identified 1 out of 8 companies as an ideal M&A target for a client based on an assessment of their strategic and financial criteria.
- Constructed a DCF model to value an acquisition and made adjustments to account for competitor bids and supply chain interruptions within the industry.
- Created a two-pager containing the company profile and a summary of the auction process.
Drum Teacher
Guitar Center
Saginaw
05.2024 - 08.2025
- Taught eight students, developed personalized lesson plans, and improved students' performance by learning rudiments and learning 10 or more new songs each.
Client Service Representative
Appliance Parts Flint
Flint
11.2024 - 07.2025
- Provided exceptional customer service by addressing inquiries and resolving over 300 client concerns, ensuring client satisfaction, trust, and loyalty.
Education
BBA - BUSINESS ADMINISTRATION IN FINANCE
Saginaw Valley State University
Saginaw, MI05.2026
Skills
- Client relationship management
- Concept simplification
- Teaching and mentoring
- Client communication
- Advanced Excel skills
- Financial modeling
- Analytical skills
- Problem-solving aptitude
CERTIFICATIONS AND COURSES
- Life Accident and Health & Variable Life and Annuities 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.
- Currently testing and refining the application’s performance, UX, and data classification logic in preparation for public release.
Timeline
Equity Research Analyst
CFA Institute
09.2025 - Current
Credit Analyst
RMA Commercial Credit Lending Competition
09.2025 - 10.2025
Tax Preparer
H&R Block
08.2025 - Current
Financial Literacy Teacher
Dow Entrepreneurship Institute
07.2025 - 11.2025
Client Service Representative
Appliance Parts Flint
11.2024 - 07.2025
Drum Teacher
Guitar Center
05.2024 - 08.2025
JP Morgan Chase Investment Banking Job Simulation
Forage
12.2023 - 01.2024
Car Detail Owner and Operator
UltraShine Car Detail
04.2020 - 11.2025
BBA - BUSINESS ADMINISTRATION IN FINANCE
Saginaw Valley State University