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Navin Ram
[email protected] • (949) 614-6796
SUMMARY OF QUALIFICATIONS
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Passed all 3 levels of Chartered Financial Analyst (CFA) program on first attempt
Passed all 4 sections of Certified Public Accountant (CPA) program on first attempt
GMAT: 760 (99th percentile); Analytical Writing Assessment (0-6): 6
PROFESSIONAL EXPERIENCE
Cowen and Company, San Francisco, CA
June 2014 – August 2014
Investment Banking Summer Analyst
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Collaborated with seven-person consumer and retail team to create detailed pitch books and due diligence memoranda for
two debt financings, one equity financing and one M&A transaction
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Evaluated quarterly and annual financial statements of 42 eCommerce and specialty retail companies, including assessing
recurring and non-recurring items, evaluating financial position and analyzing management’s growth assumptions
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Provided in-depth eCommerce and specialty retail industry insights during weekly meetings with managing directors; was
selected by directors to attend and answer questions at four client meetings
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Developed complex financial models (DCF, trading and acquisition comparables and LBO) to determine the value of nine
middle market public and private companies in the retail sector
Transom Capital Group, Los Angeles, CA
October 2013 – March 2014
Private Equity Analyst
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Provided principals and managing directors with operational analysis for Transom’s holdings while overseeing planning and
budget process at portfolio companies
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Advised managing directors on new refund policies, changes to distribution procedures and revisions of advertising budget
which cumulatively resulted in a 25% increase in EBITDA margins on the firm’s largest holding
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Analyzed price inefficiency of domestic call centers and presented findings and proposed solutions to managing directors;
resulted in management’s decision to offshore call center operations
Bank of America, Irvine, CA
June 2011 – November 2011
Financial Analyst Intern
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Created NPV, IRR, DCF and ROI models to evaluate financial implications of new products and investments and provided
investment recommendations to senior managers who relied on the analysis for capital allocation decisions
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Conducted profitability analysis on $40 million insurance contract, which resulted in a $250,000 re-pricing of the contract
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Modified Activity Based Costing system by finding and replacing outdated assumptions which resulted in a $3 million
profitability adjustment for the forced-placed insurance subsidiary and a $2 million profitability adjustment for the
reinsurance business
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Implemented streamlined budget process by incorporating historic departmental costs and managers’ cost expectations which
increased cost visibility and decreased operational cost variances by 12%
PlusOne Tutors, Newport Beach, CA
October 2010 – November 2012
GMAT Instructor
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Created personalized study material for eight students; raised average score of students by 95 points and one student’s score
by 180 points
EDUCATION
Claremont McKenna College, Claremont, CA
Master’s Program in Finance
• Coursework: Advanced Financial Accounting, Investments, Portfolio Management, Corporate Finance
• Honors: Robert Day Scholar (merit-based scholarship)
May 2015
Southern New Hampshire University, Manchester, NH
May 2013
Bachelor of Science in Business Studies
• GPA: 4.0/4.0
• Relevant Coursework: Intermediate Financial Accounting, Equity and Fixed Income Valuation, Financial Statement Analysis
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SKILLS, INTERESTS, AND QUALIFICATIONS
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Technical: Microsoft Office, Bloomberg, ThomsonONE Research, Factiva, Google Tools and Capital IQ
Interests: Competitive Gaming, Reading, Basketball, Poker and Investing
Citizenship: United States