Yin Zhang
About Yin Zhang
Yin Zhang is a Portfolio Analyst II at TowneBank, specializing in loan portfolio servicing and credit analysis. With a background in finance from Wake Forest University and extensive experience in the banking sector, Zhang has held various roles in portfolio management and underwriting.
Work at TowneBank
Yin Zhang has been employed at TowneBank as a Portfolio Analyst II since 2020. In this role, Zhang collaborates closely with Banking Officers, Relationship Specialists, and Credit Administration to ensure efficient servicing of the loan portfolio. Zhang's responsibilities include conducting comprehensive credit analysis for underwriting new commercial loans, as well as modifying or renewing existing loans. Additionally, Zhang supports Credit Administration's risk management efforts by clearing loan exceptions and completing Problem Asset Reports.
Previous Experience in Banking
Prior to joining TowneBank, Yin Zhang worked at Atlantic Union Bank as a Portfolio Manager II from 2017 to 2020. In this position, Zhang managed extensive portfolios of commercial real estate and commercial industrial clients. Zhang also held a significant role at OneMain Financial as a Senior Branch Account Executive from 2007 to 2017, where responsibilities included personal loan specialization. Earlier in Zhang's career, a brief tenure as a Commercial Line Underwriter at Statefarm Insurance provided foundational experience in underwriting.
Education and Expertise
Yin Zhang earned a Bachelor's degree in Finance from Wake Forest University School of Business, studying from 2002 to 2006. Zhang's educational background is complemented by practical experience in financial analysis and portfolio management. Zhang possesses expertise in using various financial software, including the Salesforce nCino Cloud Banking Platform, Precision Lender Pricing Software, and RIMs appraisal ordering system.
Background
Yin Zhang completed high school at Chapel Hill High School from 1999 to 2002. Following high school, Zhang pursued higher education at Wake Forest University School of Business, where a focus on finance was established. This educational foundation laid the groundwork for a career in the financial services industry, leading to various roles in banking and portfolio management.