Zoey Dinh

- Evaluated existing RGA portfolio holdings, performed credit research and financial modeling for new investment opportunities - Combined and analyzed data of 13k bonds from Bloomberg and Aladdin, identifying opportunities to reduce Carbon Intensity of public corporate bond portfolio by 20% while generating $9M in book income

- Provided corporate clients with financial advisory services on bond/equity issuance, M&A, divestitures, and IPO, resulting in closure of 7 deals that accounted for 20% of the company’s IB revenue - Cross-functional Leadership: Led teams comprising Sales and Investment functions to prepare regulatory filings and marketing materials, and to conduct investor outreach, successfully referring 30 investors to 7 clients - Forecasting: Partnered with C-suite of a real estate firm to issue $30 million corporate bond by forecasting cash flow, financial analysis and developing bond paydown models to assess viability of different capital structures

- Advised the founders on budgeting, forecasting profit and loss by branches and product lines, insights that led to cost-saving decisions resulting in a 5% increase in profit margin in 4 months - Redesigned PPE management using automated dashboards and spreadsheets, decreasing process of valuing long-term assets for financial statements from 2 weeks to 3 days - Prepared valuation model, built pitching materials and actively sought out prospective investors, resulting in successful funding from a private equity firm

- Managed performance of 15 branches with 300+ personnel and $45M in sales by overseeing weekly and monthly growth and KPI reports, and providing and strategic advice to underperforming branches - Devised and spearheaded campaigns to foster healthy competition between branches and to increase credit and non-credit upsell activities, growing portfolio by 20% YOY, equivalent to $30M in value - Prepared presentation materials on customer portfolio mix, branch revenues and employee performance for Regional Sale Director on an ongoing basis

3rd term: Credit Investigator and Credit Analyst – Enterprise Credit Risk Department - Inspected enterprise customers onsite and offsite; analyzed financial reports and customers’ operation; proposed and presented loan proposals to credit committee for approvals for each customer inspected - Approved 70 loan proposal profiles in 5 months totaling $35M (40% higher than bank average) while achieving zero bad debt rate 2nd term: Relationship Manager – Enterprise Retail Sale - Advised corporate clients on credit and non-credit banking solutions, winning 7 new clients in 6 months - Initiated upselling and cross-selling strategies that grew average loan size by 5% 1st term: Assistant Relationship Manager – Enterprise Retail Sale - Performed account management activities. Worked directly with customers to handle queries and banking needs. Supported Relationship Manager in after-sales services.

- Scholarship for Best Student in Module Branch Semester. Scholarship for outstanding academic achievements of Faculty - Student of Five Merits – awarded annually by Hanoi Youth Union to most outstanding student in Hanoi City - Member of event and logistics department of Vietnam Youth Parliament. Head of External Relations Department of Vietnam Youth Cooperation Organization