1. Xiao “JOYCE” ZHOU
 Bishan, Chongqing, China 402760  18581472069  finance_joyce227@yahoo.com
SELF-SUMMARY
• Proven Track-record in Financial Modeling and Financial Reporting
• Solid Understanding in Investment Research and Portfolio Management
• Technical Skills: MS Office Suite, Share Point, Bloomberg, Crystal Ball
• Experienced in Technology Product Management: Remedy and System Development Lifecycle (SDLC)
EDUCATION
George Mason University Fairfax, VA
Master of Business Administration, Finance (GPA: 3.55/4.0) May 2013
• Relevant Coursework: Real Estate Finance, International Finance, Business Valuation, Investment Analysis,
Managerial Finance, Managing Costs and Evaluating Performance, Financial Reporting and Decisions,
Management of Information Technology, Statistics for Business Decision Making
• Scholarship: GMU Foundation Scholarship (Aug 2011 – May 2013)
Central University of Finance and Economics Beijing, CHINA
Bachelor of Science in Finance (GPA: 3.90 / 4.0) May 2011
• Awards: Excellent Student Leader (2009); Most Valuable Player (MVP) in basketball (2010)
Victoria University Melbourne, Australia
Exchange Program May 2011
PROFESSIONAL EXPERIENCE
Fannie Mae Washington D.C., US
Financial Analyst Intern | Underwriting, Pricing and Capital Market Oct 2013 – Jul 2014
• Financial Statements Analysis: Prepared financial reports
for senior management in operation team; conducted financial expense projections based on department
budget plans and identified unusual items
• Credit Risk Valuation: Conducted credit risk analysis for
Fannie Mae by analyzing and stress-testing financial models utilizing internal financial analytics software
tools
• Operational User Support: Performed ad hoc support to
further improve business operations by analyzing user requests, developing queries and providing technical
assistances
George Mason University Fairfax, VA
Intl. Finance Research Assistant | Global Business, Innovation, and Transformation Center Sep 2011 –
May 2013
• Equity Research: Collected data, executed market research, and prepared financial projections for a proposed
small business-focused angel venture fund in Honduras
• Financial Modeling: Initiated financial analysis on the US and emerging market via multiple public domain
data source and successfully improved financial prediction accuracy by 20%
• Data Management: Provided analytical assistance to professor’s research; implemented an innovative
solution for data storage and retrieval
Industrial and Commercial Bank of China Chongqing, CHINA
Financial Analyst | Analytics and Portfolio Management Jun 2009 – Aug 2009
• Portfolio Management: Assessed and reconciled a multi-asset investment portfolio of over $40,000;
conducted in-depth analysis of housing mortgage database and successfully increased data accuracy while
reducing data retrieval times by 10%
• Cost-Benefit Analysis: Initiated focus group on consumer cost-benefit analysis for first-mortgage and
refinance products, leading to an improved consumer satisfaction by 25%
• Mortgage Backed Securities (MBS) Research: Drafted case studies on MBS, with particular focus on its
history, structure, global financial crisis and its development and impact on Chinese real estate market
• Asset Appraisal: Provided ad hoc support to mortgage valuation and delivered high-quality results
SKILLS AND COMMUNITY ACTIVITIES

2. Languages: Native in Chinese; Fluent in English
Activities: Active Member of Toastmasters Club -- Speech Contest Third Place
Volunteer in Fairfax Local Community to teach finance 101 to high school students
Volunteer in New World Bilingual Institute to teach children Chinese every weekend
Student ambassador at www.collegenode.com to provide consultant services for prospective student