Fiona Chau

• Underwrite credit memoranda and loan presentations for commercial loans by analyzing financials, SaaS metrics, industry trends, and capital structure; supported 71% portfolio growth. • Evaluate and model financial statements and forecasts to assess risk and structure credit solutions for VC backed tech startups navigating M&A, equity raises, and market expansions. • Collaborate with credit officers and relationship and portfolio managers to manage credit facilities (term loans, formula, non-formula lines of credit) and monitor compliance with internal policies and risk frameworks.

• Engage in Business Lending Fundamentals, Loan Documentation, Accounting, Sales, and Credit Reasoning and Writing courses.

• Supported sales pipeline development by identifying and engaging prospective education-sector clients through phone and email outreach, enhancing lead conversion and brand visibility. • Adapted to dynamic startup operations, demonstrating initiative and flexibility in contributing to various business development and marketing functions.

• Collaborated with the Alternative Investment Funds (AIF) and Private Client Services (PCS) teams, to identify and resolve evolving tax challenges, actively participating in a variety of client projects. • Cultivated proficiency in utilizing industry-standard software tools, including CCH, GoSystems, and Microsoft Office to prepare workpapers and efficiently file tax returns for clients across diverse sectors.

• Evaluated financial statements, credit metrics, and leverage ratios to execute a capstone project, investigating client assets, risk, and various forms of repayment for commercial real estate loans. • Demonstrated effective written and verbal communication skills through presenting industry-standard credit authorization forms to senior executives. • Participated in immersive training sessions led by industry professionals, developing a strong foundation and expertise in banking operations, including client relationship management, risk management, underwriting concepts, and market trends.

• Collaborated closely with a Ph.D. Student to proficiently collect, manage, and assess video footage capturing cattle behavior and welfare. • Conducted in-depth data analysis, utilizing behavioral coding software (BORIS) independently to identify correlations between early life feed experiences and subsequent behavioral patterns. • Synthesized findings into a comprehensive 5-page research report on heifer behavior, effectively presenting both qualitative and quantitative data to contribute to the research project's conclusions.

• Led a 7-member committee for a Sustainable Agriculture Case Competition in developing a business plan and presentation by identifying business opportunities and conducting market research. • Contributed to the successful completion of a Voter Registration project aimed at boosting voter registration and support for the 2022 Davis Innovation and Sustainability Campus (DiSC). • Successfully delivered persuasive pitches to over 200 elected US officials, advocating for their support in declaring a Global Climate Emergency in the US.