Xinyi Zhang
Senior Financial Analyst
Las Vegas,USA
Summary
Results-driven finance professional with a CFA charter, a Master’s in Applied Statistics and Decision Making, and a Bachelor's in Finance. Proven expertise in FP&A, budgeting, forecasting, and variance analysis. Strong track record of delivering data-driven insights to support strategic decision-making and optimize financial performance. Experienced in financial modeling, risk management, and complex securities valuation, with a demonstrated history of success at BNY Mellon, KPMG, and BOLD. Adept at collaborating with Product, Marketing, and Accounting teams to drive efficiency, streamline reporting, and enhance financial strategies in fast-paced, dynamic environments.
Overview
10
10
years of professional experience
Work History
Senior Financial Analyst
BOLD North America LLC
03.2024 - 03.2025
- Provided valuable insights by leading monthly variance analysis reviews between actual results and budget/forecast expectations, identifying opportunities for efficiency and growth
- Enabled informed decision-making by presenting key findings from complex data sets in clear, concise formats for senior leadership team members.
- Led budgeting and forecasting, developed and automated financial models to assess revenue trends, cost structures, and profitability
- Collaborated closely with Product, Marketing, and Accounting teams to align financial planning with business objectives, drive process improvements and increase operational efficiency.
- Utilized Anaplan for scenario planning, cross-functional forecasting, and financial modeling
- Maximized company resources by performing ad-hoc analyses supporting cost reduction initiatives across departments.
Complex Securities Valuation Specialist | Senior Associate
KPMG LLP
08.2022 - 02.2024
- Perform valuations of corporate debt, loan portfolios, equity issued as compensation (e.g., RSUs, PSUs), contingent value rights, warrants, embedded derivatives, convertible preferred stock, and other hard-to-value instruments
- Perform valuation projects utilizing a wide variety of complex financial models and techniques including option pricing models (e.g., Black-Scholes-Merton, Monte Carlo Simulation, Binomial Lattice)
- Perform valuations of contingent consideration (earn-outs, claw-backs) for financial reporting, tax purposes, and financial due diligence in business combinations including mergers, acquisitions, and spin-offs
- Perform valuations of preferred stock, common stock, warrants and options for US tax purpose, including IRC409a
- Estimate Incremental Borrowing Rates related to leases under ASC 842
- Perform numerous audit reviews of various valuations prepared by Big Four firms and boutique valuation firms
Market & Portfolio Lead Analyst | Senior Associate
BNY Mellon
10.2020 - 07.2022
- Reviewed and challenged business transaction requests and investment strategy from Portfolio Management Group, including market research, impacts on limits and policies, cash flow analysis, ratings, collateral, and structure review
- Established and enhanced Stress OCI and CaR framework including back testing and sensitivity analysis
- Designed statistical/hypothetical scenarios to conduct stress testing on interest rates and option spreads for all securities
- Developed and implemented python and VBA codes to automate and enhance financial models
- Conducted risk analysis on Mortgage-Backed securities (MBS), Commercial Mortgage-Backed Securities (CMBS), Government bond, and other securities
- Applied key risk measures such as market value, option adjusted duration (OAD), DV01, convexity, key rate duration (KRD), and other risk measures to evaluate instruments from the investment portfolio
- Presented and supported business proposals for approval to Treasury Chief Risk Officer
- Addressed regulatory requirements for Federal Reserve’s exams and audit issues in a timely and effective manner
Intern - Financial Analyst
LMTLSS LLC
03.2020 - 08.2020
- Developed financial models and created financial budgets
- Performed advisory and due diligence work for potential contracts
- Managed accounts payable/receivable, reconciled financial statements, and ensured accuracy in financial reporting
Intern - Financial Analyst
Lanchid LLC
10.2019 - 12.2019
- Performed company valuations utilizing comparable company, precedent transactions, and discounted cash flow analysis
- Reviewed 10-K, 10-Q, earnings call transcript, and relevant sell-side reports to evaluate large-cap US equities
- Developed financial models; conducted benchmarking; and summarized analysis
Graduate Assistant
Fordham University
01.2019 - 12.2019
- Assisted Marketing Department professor with laboratory work
- Promoted sales for non-profit companies
- Acted as liaison between professor and students; graded case studies & exams
Research Assistant
TEMPLE UNIVERSITY
05.2017 - 08.2018
- Assisted two Finance Department professors with laboratory work, researching and analyzing data using Python
- Provided research support by reviewing literature on recent developments and design of Financial Institutions in China & the effect of innovative investment on information asymmetry and stock price jump
Intern - Analyst
OAK EDUCATION COMPANY
12.2017 - 07.2018
- Led teams of five salespeople in developing a new market in Philadelphia; signed up 50 new clients & generated $400K in revenue; and managed client relationships through planning and reporting phases of over 70 contracts
- Performed advisory and due diligence work for potential contracts and created financial budgets
Financial Accounting Teaching Assistant
TEMPLE UNIVERSITY
09.2015 - 05.2017
- Acted as liaison between professor and students; organized workshop to help students better understand the materials
- Held office hours; assisted in developing course outline & teaching materials; and graded assignments & exams
Education
CFA charterholder -
CFA Institute
05.2023
M.S. - Applied Statistics and Decision Making
FORDHAM UNIVERSITY
New York, NY02.2020
B.A. - Finance
TEMPLE UNIVERSITY
Philadelphia, PA05.2017
Skills
- Budgeting and Forecasting
- Financial modeling
- Variance reporting
- KPI Monitoring
- Statistical analysis
- Anaplan
- VBA
- Python
- Microsoft Excel
- Bloomberg Terminal
- S&P Capital IQ
Hobbies and Interests
- Weight Training
- Kickboxing
- Hiking
- Piano
- Travel
- Cooking
Languages
English
Professional Working
Chinese (Mandarin)
Native or Bilingual
Timeline
Senior Financial Analyst
BOLD North America LLC
03.2024 - 03.2025
Complex Securities Valuation Specialist | Senior Associate
KPMG LLP
08.2022 - 02.2024
Market & Portfolio Lead Analyst | Senior Associate
BNY Mellon
10.2020 - 07.2022
Intern - Financial Analyst
LMTLSS LLC
03.2020 - 08.2020
Intern - Financial Analyst
Lanchid LLC
10.2019 - 12.2019
Graduate Assistant
Fordham University
01.2019 - 12.2019
Intern - Analyst
OAK EDUCATION COMPANY
12.2017 - 07.2018
Research Assistant
TEMPLE UNIVERSITY
05.2017 - 08.2018
Financial Accounting Teaching Assistant
TEMPLE UNIVERSITY
09.2015 - 05.2017
M.S. - Applied Statistics and Decision Making
FORDHAM UNIVERSITY
B.A. - Finance
TEMPLE UNIVERSITY
CFA charterholder -
CFA Institute
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