Work History

Work History
Dec 2009 - Jan 2010


Busey Wealth Management

� Explored valuation metrics and standardized screening method starting at a broad base market view (e.g. overall health of market), valuation of equities vs. bonds and moving deeper to sub-asset class valuation (e.g. industry sectors, investment styles in value and growth, market capitalization)

� Identified key misvaluation in investment markets for internal decision making around asset mix determination

May 2008 - Aug 2008



� Worked with 25 consultants and 5 bank officials at Hana Bank (Korea’s 3rd largest bank) on Anti-Money Laundering and Counter-Terrorism Financing (AML/CTF) project

� Analyzed customers’ transactions to identify suspicious activities

� Translated applicable U.S. AML/CTF policies, practices and procedures from English to Korean

Jul 2005 - Aug 2005

Sales Clerk

Hanwoong Industrial Co., Ltd.

� Promoted the company and its products (waterproof backpack and self-inflating mattress) to 200 potential European buyers at trade show in Germany

� Consulted and contracted with eight major clients

Apr 2001 - Jul 2003


Republic of Korea Army

� Appointed squad leader of 20 soldiers for six months

� Oversaw daily activities of the squad and delegated tasks to squad members for combat training

� Allocated up to 300 military apparel and gear to an armored division of 250 individuals

� Recorded daily transactions to keep track of account balances


Jun 2009 - Present

Master of Science

University of Illinois at Urbana-Champaign

GPA: 3.9/4.0

Specialization in Asset Management

Summer: Corporate Finance, Quantitative Method                                                                   Semester GPA: 4.0/4.0

Fall: Investment, Financial Economics, Accounting, Communication skills                             Semester GPA: 3.9/4.0

Spring: Fixed Income, Financial Derivatives, Investment analysis, M&A, Financial Statement Analysis

Sep 2005 - Jun 2009

Honors Bachelor of Science

University of Toronto

GPA: 3.4/4.0

Computer:C/C++, Java, Python, Unix, SQL, ML, Prolog, Scheme, SAS, Crystal Ball, Excel

Math: Multivariable Calculus, Advanced Linear Algebra, Ordinary Differential Equations

Statistics: Regression Analysis, Quatitative Methods

Economics: Macro, Micro, Labor, Urban



Personal Portfolio Management

� Have invested personal money based on business valuation techniques � Conduct qualitative and quantitative analysis of companies to make real investment decisions � Concentrate to less than 15 undervalued firms with good business model, consistent earnings, able mangement � Have outperformed market since initial investments; Time-Weighted Accumulated Return _ Portfolio (-1.96%), KOSPI (-19.77%), S&P500 (-31.61%)  

Business Valuation

Industry Analysis � Retailing, Manufacturing, and Service   - Relative Valuation: ROE, ROI, Debt ratio, P/E, P/FCFE, B/M   - Absolute Valuation: DCF analysis, Sensitivitiy analysis, Statstical Simuation   - Capital expenditure / generated earning over time   � Insurance   - Growth of "Float" = Policy holders' money held, but not owned   - Underwriting Performance (Combined ratio)   - Capital allocation Performance (Equities vs. Bonds)   � Depository Institution (e.g. local banks)   - Performance: ROAA, Net Interest Margin, Loan/Deposit, Efficiency ratio   - Asset Quality: Nonperforming loans/loans, Loan loss reserve/Gross loans   - Regulatory Captial Ratio: Tier 1 Capital Ratio     Qualitative Analysis � Quality of Product   - Monopoly power and magnitude of competition   - Price elasticity and consumer loyalty   - Additional capital expenditure to sustain growth   � Quality of Management   - Integrity of management   - Past performance   - Capital allocation decisions     Quatitative Analysis � Financial Statement Analysis   - Balance Sheet (current assets, Interest bearing debts, treasury stocks)   - Income Statement (Profit margins, 10 year earning performance)   - Cash Flow Statement (Depreciation and capital expenditure, financing activities)   - Financial ratios (P/E, debt to equity, profit margins)   � Valuation   - Relative ratios with competitors   - Discounted Cash Flow   - Tornado and Monte Carlo analysis using Crystal Ball