Yinglun GAO

Commercial Banking: - Assistant relationship manager, Covering SME's in payments and operation issues and sales for common banking products, such as USD/CNY/HKD deposits, Forfaiting, payment packages, cash pool, etc.; - Credit Analysis for facility clients, including credit profile, liquidity, capital structure, competitiveness and industry analysis; - Inclusive Finance to SMEs, cooperate with Shanghai Administration Center of Policy Financing to inject liquidity to financial market. Risk Analyst Assistant: - Annual Review of existing global and large corporate customers and draft risk comments; - Engaged in leaders credit profile analysis in infrastructure, TMT and Real estate industries. Global Trades and Receivable Finance: - Sales assistant in daily operation of Import/Export Letter of Credit, Guarantee, Documentary Collection, etc.; - Participanted in programs in Supply Chain Finance, Pre/Post-Shipment Buyer/Seller Loan, Receivable Finance; - Help with Forfaiting, DC Bills Discounting (NRD) products for SME customers - Business development, i.e. hunting potential clients through phone calls and internet desktop research, in cross-border e-commerce business.

- IoT Industry research (Market Landscape, PESTEL Analysis, Comparable Analysis, Industry Value Chain, etc.) and report to the French headquarter; - Desktop research in car industry (LPWAN Technology, Car-hailing, Aftermarket, Autopilot, New energy vehicles, etc.) and presents to the whole team; - Assist in regulation issues in foreign investment in IoT industry of China. Research in Joint Venture, VIE structure, etc.; - Finance analysis of Chinese listed companies; - Light Due Diligence research of start-ups in car industry. Prepare presentation materials for project managers; - Routine desktop research and PPT assistance.

- Support investment managers and Vice President dealing with investment projects (M&A, SPV, Real Estate etc.) - Assist in Investor Relation issues, such as receive and guide investors for hotel research. - Data analysis of key data of hotel index. Make comparable analysis and support the conference call of Q3 of Huazhu. - Quarterly statement analysis of top hotels (Accor, Marriott, IHG, Hilton, etc) - PPT and analysis preparation for general meeting of stockholders - Perform routine administrative work among finance, legal and Investment department.

- Draft Industry in-depth research reports for listed companies in home appliance industry, such as Panasonic, Gree, Midea, etc.; - Prepare investor conference call meeting minutes for analysts and managers; - Team's Wechat public account operation. Complete and send out daily journal to subscribed clients in Wechat. Design and publish research reports on weekly basis; - Cover 2018 1H reports of more than 30 listed companies, analysing financial status, preliminary earnings estimate and breakdowns of revenues; - Track daily stock market and discover elements that affect stock price; - Update financial database; - Assist in analyst's presentation, PPT preparation, and Wechat group operation.

- Write credit reports for facility customers; - Credit Card sales and marketing through telephone and offsite roadshows; - Lobby manager for VIP clients; - Internal risk control for existing customers.

Audit Intership Program since 2015 Summer to 2016 Summer -Analyzed financial data and completed annual audit reports of 3 listed companies (including one in NASDAQ); Support senior auditor in financial analysis, stock taking, FX translation, etc.

Program Grande Ecole - Msc in Management, specialized in Finance

Exchange student in Erasmus Program. Majored in investment and finance Curriculum: Applied Valuation, Asset Management, Machine Learning, Fixed Income and Corporate Finance.

Background in Process Equipment and Control Engineering, transferred to Finance major and complete all courses in 2 years.