Yin Zhang has over 10 years of experience as a credit analyst and loan underwriter, currently working at OneMain Financial where she analyzes credit reports and financial statements to determine risk and make underwriting decisions, manages a portfolio of over 200 clients and $1.15 million in loans. She previously worked as a commercial insurance underwriter at State Farm Insurance and had an internship at Genworth Financial where she led a customer relationship database project. Zhang holds a Bachelor's degree in Finance from Wake Forest University and is fluent in both English and Chinese.

1. Yin Zhang
E: yinzhang66@yahoo.com M: (919)272-8493 Durham, NC 27713
https://w w w .linkedin.com/in/yin-zhang-186395a5
Credit Analyst and Loan Underwriter
Self-motivated credit analyst and loan underwriter with more than 10 years of combined experiences in
banking, insurance, and financial industry. Adept at quantitative analysis, risk portfolio analysis, risk
management, and client relationship. Possess functional skills of risk management, loan origination and
underwriting, client relations, and practical experiences successfully managing expansive portfolio of clients.
Excellent customer service and communication skills.
Core competencies include:
Credit and financial analysis ▪ risk management ▪ loan origination and mitigation ▪ credit underwriting ▪client
relation ▪ critical thinking and problem solving ▪ accurate and detail oriented ▪ written and verbal
communication skill ▪ goal oriented and result driven
Professional Experience
Credit Analyst & Loan Underwriter
OneMain Financial ▪ Durham, NC ▪ Dec 2007 – present
OneMain Financial is one of the largest global consumer lending companies, providing personal loan and
credit options to support customers in their pursuit of financial security and independence.
Review and analyze credit reports, appraisals, titles, and financial statements to determine the degree of risk
involved in extending credit and final underwriting decisions. Assess and effectively manage risks associated
with the business objectives to ensure activities are in alignment with the branch’s and company’s risk
management framework. Evaluate critical risk factors including but not limited to: Net Disposable Income
(NDI), Loan-to-Value (LTV), Debt-to-Income (DTI), ATP, risk grades, etc.
• Generated more than $2 million in credit extension from 2014 – 2015 while simultaneously saving the
branch almost $250,000 in personal credit defaults.
• Successfully manage NC portfolio of over 200 clients and approximately $1.15 million. Helped mitigate
$247,000 in average losses in 2015.
• Integrate statistical analysis techniques in Field Reporting to generate new solicitation and customer
retention strategy, resulting in a 15% increase in renewal loans in 2015.
▪ Maintain 100% qualify from 2014 to date with no audit finding from compliance while exceeding 100% in
production standards among peers.
▪ Obtain licenses to sell optional credit insurances to qualified customers which in turn lower the loan defect
rate by more than 3%.
▪ Provide 24 hour turnaround on an average of 6 to 10 new loan submissions per day.

2. ▪ Manage accounts payable/receivable, cash account management, and process various business and
customer related transactions in the branch.
▪ Assisted in training with junior underwriters.
Commercial Line Insurance Underwriter
State Farm Insurance Companies ▪ Charlottesville, VA ▪ June 2006 – Feb 2007
State Farm Insurance is one the nation’s largest auto and home insurer and the eighth largest life insurance
company. It offers over 100 insurance products and services and a network of 18,000 agents.
▪Underwrite new and existing risks with in level of authority, comply with state and federal insurance
requirements.
▪Analyze and review line of businesses to develop recommendations and assist insurance agents in achieving
and maintaining a profitable risk portfolio.
▪Calculating possible risks and computing results for appropriate premiums using actuarial information, other
statistics and own judgement.
▪Negotiating terms with insurance agents and drawing up insurance contracts. Keeping accurate and detailed
records of policies written and decisions made.
Summer Intern
Genworth Financial ▪ Raleigh, NC ▪ May 2005 – August 2005
▪Lead a customer relationship management database project for the Structured Transactions team.
▪Identify potential opportunities for improvement to current client management procedures and propose
recommended solutions to the management team.
▪Train team members on how to efficiently utilize the database. Demonstrate potential improvements to their
future client management procedures.
▪Create a synopsis to help the international development group understand how to enter the business market
in China.
Education
Wake Forest University, Winston-Salem, NC,August 2002 – May 2006
Graduated with a Bachelor of Science in Finance
Languages
Fluent in both English and Chinese