bio resume downloads mfranklin@email.com

	Portfolio Management: Outperformed S&P 500 in managing stock portfolio for CSUF Craig School of Business.
	Trading: Familiar with debt and equity instruments, swaps, options, and futures. Knowledge of bond pricing, present value, duration, and convexity.
	Entrepreneurial Finance: Studied venture capital markets, deal structuring, business forecasting, financial planning and control strategies, valuations, public offerings, and other harvesting methods.

Advanced skills in MS Excel, Access, Word, and PowerPoint, as well as Internet research and use of browsers (Netscape, IE); knowledge of database applications and proprietary banking software. Invited to be teaching assistant for university computer labs.

CALIFORNIA STATE UNIVERSITY – San Jose
School of Business Honors Program
BS Business Administration with Concentration in Finance (2004)

Selected from competitive candidate list for business school's first honors class.

Certification: Pursuing Chartered Financial Analyst Certification. Preparing for Level I Exam with studies in accounting, finance, economics, and ethics.

MAJOR BANK – San Jose, California
Credit Analyst, Commercial Credit Center (2007-Present)
Analyze financial statements and present lending recommendations for middle-market clients (agricultural, commercial accounts). Verify compliance with financial covenants. Make projections for forecasting purposes. Analyze accounts receivable/payable agings. Analyze and identify financial trends. Promoted from senior customer service representative, where responsibilities included training new employees and promoting bank products. Ranked in top 20% among 260 employees for overall sales volume.

CALIFORNIA ARMY NATIONAL GUARD – San Jose, California
Team Leader (2002-2007)
Completed Joint Readiness Training Center program. Led team members in simulated combat operations. Participated in flood relief missions.