Minghao Liu has extensive experience in finance and investment analysis. He received a Master's degree in Finance from Drexel University and a Bachelor's degree in Insurance and Risk Management from Central University of Finance and Economics. Liu has passed several professional exams including the CPA exam and holds certifications in SAS programming and Bloomberg essentials. He has interned at the California Department of Insurance, Morgan Stanley, and Central China Securities, gaining experience in investment analysis, financial modeling, and IPO due diligence. Liu also earned several honors for his academic performance and extracurricular activities.

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Minghao Liu (Howard)
1400 4th Street, Sacramento, CA, 95814
howardliu1991@gmail.com +1 (916) 833 3276
Education
Master of Science, Drexel University, Sacramento, CA 2013-2015
Major: Finance, 3.95/4.00
Bachelor of Economics, Central University of Finance and Economics 2009-2013
Major: Insurance and Risk Management, 86/100
Skills
Certification: Pass CPA exam
CFA levelⅡ candidate
Pass Probability Exam of Associate of the Society of Actuaries (ASA)
SAS Certified Base Programmer for SAS 9
Bloomberg Essentials
Skill: Microsoft Office, SAS, Bloomberg, Preqin, PH Stat2, Crystal Ball, Vlookup
Language: English, Mandarin
Intern & Work Experiences
Investment Analyst, California Department of Insurance, Sacramento, CA 2014
 Working on California Organized Investment Network (COIN) High Impact Investment
Bulletins
 Evaluate the funds for the potential investors
 Analyze proposed investments by using Bloomberg and Preqin
 Review CA Community Development Financial Institutions (CDFI) Tax Credit by using free
cash flow analysis and forecasting
Intern, Morgan Stanley Financial Training Program, Sacramento, CA 2014
 Evaluate stocks by using fundamental and technical analysis
 Forecast stocks by using news analysis
 Analyze Chinese real estate bubble
 Focus on utility sector of stock market
Summer Intern, Central China Securities, Beijing, China 2012
 Supported the Department of Investment Banking
 Compiled information on industry background investigation and communication with
company
 Reviewed company contracts, ensured due diligence and wrote industry background part
for prospectus
 Examined IPO project of Beijing Connate Design Arts Co. Ltd.
Winter Intern, Tianjin Jinwan Insurance Agency, Tianjin, China 2010
 Contacted existing customers regarding policy renewal
 Conducted business with government authorities and commercial banks
Honors & Awards
 Excellent Participant, American University Student Mathematical Contest in 2012
Modeling
 Winner, National University Student Mathematical Contest in Modeling 2011
 Excellent Student Program Executive, Central University of Finance and 2011
Economics
 3rd-tier Scholarship, Central University of Finance and Economics 2010
 Runner-up (certified as the Star of Etiquette), The 9th National University 2010
Student Foreign Diplomatic Etiquette Contest
Social & Extracurricular Activities
Top 2% in Bloomberg Aptitude Test 2014
The 3rd Financial Modeling World Championships 2014
President, Central University of Finance and Economics Student Association 2010-2012
Beijing International Marathon, Beijing Marathon Committee 2009-2012