GB Bank hires Miranda and Fitzpatrick, launches internship

Got the Opportunity through the Global Career Accelerator-Early Career Competitions to revise the Wells Fargo Flex Loans Program. -The Wells Fargo Quick Loans program was designed to get individuals money quickly when demanded ⚠️ The Issue: Emergency loans are inherently high-risk, this risk is reflected in a typical junk bond rating which make these loans difficult to securitize and trade on the secondary markets. AKA stay away if your the bank Since borrowers are seeking these loans during periods of financial distress, lenders must impose higher interest rates to compensate for elevated default risk. This creates an adverse selection problem, those most likely to borrow are also the least likely to repay which reduces both repayment reliability and market liquidity. That’s why Wells Fargo Flex Loans are typically limited to small, fixed amounts of $250 or $500. However, these small amounts often fail to meet the borrower’s immediate financial need. Showing why Flex Loans need a redesign. The Question: What should banks do? They must design credit models that mitigate default risk while preserving access to emergency capital, aligning borrower incentives with repayment performance. Check out my solution below in a executive summary and pitch format Special thanks to Abby Samuelson & Tariq Meyers for organizing this competition. https://lnkd.in/eP2bzvft

💼 Inside the Role of an Investment Banking Analyst --- 🧭 Introduction When people hear Investment Banking Analyst, they usually picture someone buried in Excel sheets, working late nights at a shiny corporate office. But in reality, this role goes way beyond numbers. It’s about understanding businesses, valuing opportunities, and telling financial stories through data. As someone passionate about finance and corporate strategy, I’ve always been fascinated by how analysts help shape deals that move industries. Here’s what I’ve learned about what makes this job both challenging and rewarding. --- 💡 1. Building Value Through Analysis At the heart of every big financial deal, there’s an analyst. Their day involves analyzing company financials, building valuation models, and preparing presentations that help senior bankers make multi-million-dollar decisions. Some key responsibilities include: Financial Modeling: Using DCF, comparable company, and precedent transaction analysis to value businesses. Pitch Books: Creating presentations that showcase ideas to clients. Industry Research: Tracking trends that could impact company valuations or investor interest. It’s a role that requires technical precision, creativity, and strategic thinking — all at once. --- 💻 2. Skills That Make a Great Analyst To thrive in this field, you need a balance of hard and soft skills: 💠 Excel and PowerPoint mastery – your daily toolkit. 💠 Accounting and valuation knowledge – the foundation of all analysis. 💠 Attention to detail – because one small error can change the story completely. 💠 Time management and communication – essential when you’re juggling multiple live deals. Many professionals build these skills through programs like the CFA, FMVA, or by working on internships that give real-world exposure. --- 🚀 3. Why This Role Truly Matters Every deal an investment banker works on — whether it’s an IPO, merger, or fund-raising round — shapes the future of companies and their people. As an analyst, you’re not just crunching numbers; you’re helping transform financial data into decisions that impact the real economy. That blend of technical depth and strategic influence is what makes this career so exciting. --- 💬 Conclusion Investment banking is demanding — but it rewards curiosity, discipline, and problem-solving. If you enjoy understanding businesses, markets, and how capital moves, this path offers incredible learning and growth. > “Behind every successful deal is an analyst who turned data into insight." --- 🔖 Tags: #InvestmentBanking #InvestmentBankingAnalyst #FinanceCareers #CFA #CorporateFinance #FinancialModeling #CareerGrowth

Ever wondered why getting a job in a bank in Ontario feels so tough? The truth is - competition, new technology, and changing skills make it harder than before. But don’t worry! With the right training, networking, and confidence, you can start your banking career successfully. I’ve shared simple tips and real steps that can help newcomers and students build a career in finance. Read the full blog here: #OntarioJobs #BankingCareers #FinanceStudents #CareerTips #OntarioFinance #StudentSuccess #BankingInCanada

Career growth doesn’t come from joining institutions that exploit their workforce – it comes from choosing workplaces that respect employees’ dignity, work-life balance, and human rights. 🔴 AU SMALL FINANCE BANK Sanjay Agarwal is repeatedly accused of overburdening staff, ignoring employee welfare, and violating RBI guidelines on working hours and fair HR practices. 👎 Instead of empowering employees, AU is discouraging transparency, silencing voices, and prioritizing targets over human values. 🚫 AIMETU appeals to all microfinance and banking professionals: ❌ Do NOT join AU Small Finance Bank ❌ Boycott institutions that treat employees as machines, not humans ✅ Choose career paths that value respect, freedom, and fair treatment 📢 A true career opportunity is one that helps you grow without losing your mental peace, family life, and dignity. #AIMETU #EmployeeRights #StopExploitation #AUSmallFinanceBank #BoycottAU #MicofinanceEmployees #UnitedWeStand

Session 4 of Investment Banking Internship ProCapitas - Synergy Analysis & Financial Modeling: Driving Post-Merger Value The session focused on how operational and financial synergies could lead to increased profitability in a post-M&A scenario. We examined the flow of money in the company from Revenue and EBITDA down to PAT by means of a very detailed set of synergy assumptions and actual data. Modeling Highlights & Synergy Levers Revenue Split: The combined entity’s top line was made up of 60% contribution from the acquirer and 40% from the target annually, and it kept on increasing from $11.3 billion to $12.9 billion USD (FY2024–28). Cost of Sales Synergy: The post-merger period in the model reflected a 3% reduction, which was a result of supply chain efficiency and procurement leverage. The cost of sales decreased from $8.60 billion to $9.52 billion USD with the synergy gains, and the gross margins were getting better consistently every year. Operating Expense Synergy: The 5% target for the reduction was achieved by the use of shared resources and streamlined functions, and the operating expenses were cut by about $60 million annually in comparison to the base case. Interest Cost Advantage: The combined credit profile that was stronger resulted in the lowering of the financing costs by 2%, which is reflected in the merged entity's steady annual interest savings of $2–$4 million. Tax & Depreciation: The tax was EBT at a rate of 30%, and the depreciation was kept the same so that the operational gains could be isolated. Integration & Advisory Costs: The fixed annual M&A cost of $102 million was taken account of throughout the projection period. Synergy Impact Across the P&L With synergy improvements, EBITDA was between $734 million and over $1 billion USD per year whereas, without synergies, the range was from $495 million to $711 million USD. PAT was almost twice as much as in the years of most synergy realization, e.g., the here to the 2024 year's effect PAT increased from $213 million to $453 million and even later years became positive in spite of high integration costs. Learning & Reflection By doing this hands-on assignment, I learned the essential principle that many small improvements in cost structure and finance can result in very large increases of enterprise value after merger. Real value creation is not just about formulaic modeling — it entails pinpointing actual integration levers and making sure they are captured correctly in the financial projections. Working on this granular model not only helped me to enhance my financial analysis and synergy measurement skills, but also gave me the insight of the strategic nature of the problem that the cross-functional decisions and operational integration have a direct effect on the bottom line. I found out that M&A modeling is the place where the strategic vision gets converted into tangible financial figures.

🌟 Admissions Open: BBA in Banking & Insurance (Online) – GLA University The BBA in Banking & Insurance (Online) from GLA University is designed for students aspiring to build successful careers in the rapidly growing financial services sector. This program blends theory, practical skills, and industry exposure, preparing learners for dynamic roles in banking, insurance, risk management, and financial consulting. Students gain in-depth knowledge of banking operations, insurance principles, financial laws, accounting, investment strategies, and digital banking practices. The online mode ensures flexibility, accessibility, and interactive learning, making it ideal for working professionals and fresh graduates alike. 📘 Program Highlights ✨ Comprehensive Curriculum – Covers Banking, Insurance, Risk, Finance, and Compliance ✨ Career-Oriented Approach – Focus on practical applications & industry readiness ✨ Flexible Online Learning – Study from anywhere, anytime with expert faculty guidance ✨ Industry-Relevant Skills – Gain expertise in financial planning, insurance products & banking systems ✨ Recognized University Degree – Offered by the prestigious GLA University ✨ Mentorship & Guidance – Academic and career support throughout the program 🎯 Career Opportunities Graduates of the program can pursue careers as: ✅ Bank Officer / Financial Analyst ✅ Insurance Advisor / Risk Manager ✅ Loan Consultant / Credit Analyst ✅ Wealth Manager / Financial Planner ✅ Roles in Corporate Banking & Insurance Companies 🌐 Why Choose Online BBA (Banking & Insurance) from GLA? 🔹 Learn from experienced faculty & industry professionals 🔹 Access to digital resources, case studies & projects 🔹 Develop analytical & decision-making skills 🔹 Opportunities in national & international banking & insurance sectors 🚀 Take the first step towards a rewarding career in Banking & Insurance with GLA University’s Online BBA Program.

📌 The Global financial Crisis of 2008 My internship at ProCapitas involved a flagship assignment where we researched and analyzed four influential films to gain a deeper insight into the 2008 financial crisis: 🎬 The Big Short | Too Big to Fail | Inside Job | Margin Call Combined with my own studies, these films offered a comprehensive understanding of the crisis's progression. 📌 Important Takeaway- ☑️ The Housing Bubble The early 2000s saw a rapid increase in housing prices in the U.S., fueled by: Subprime mortgages → Loans given to borrowers with poor credit histories. Adjustable Rate Mortgages, or ARMs, are loans that start with a low interest rate, which is often called a teaser rate, and then later increase to a higher rate. NINJA loans → Loans provided to individuals with No Income, No Job, and No Assets, illustrating extreme risk-taking. Banks and financial institutions thought house prices would keep going up, which made people buy houses just to make money and take on too much debt. ☑️ Financial Instruments that Spread Risk Banks and investors created sophisticated financial instruments to allocate and benefit from these mortgages: 1. Mortgage-Backed Securities (MBS) 2. Collateralized Debt Obligations (CDOs) 3. Credit Default Swaps (CDS) ☑️ Key Players Bear Stearns Lehman Brothers ☑️ How the Crisis Unfolded Defaults on Subprime Mortgages People who took out adjustable-rate mortgages and no-income-no-asset loans couldn't afford to pay when the interest rates went up. Collapse of Financial Institutions Banks that owned mortgage-backed securities and collateralized debt obligations suffered huge financial losses.  Liquidity ran out because banks stopped giving loans to each other. Credit Freeze and Contagion The fear of counterparty default led to a freeze in global credit markets. Panic spread around the world, pulling the global economy into a recession. ☑️ The government's response The government's response was the TARP program, which provided a $700 billion bailout to help stabilize the banks. The Federal Reserve lowered interest rates to almost zero and gave out emergency loans. Global coordination → Central banks injected liquidity worldwide. ☑️ Conclusion The 2008 financial crisis happened because of bad loans made on speculation, dangerous financial tools, weak rules, and too much borrowed money. It spread from the U.S. The housing market caused problems for global financial institutions, leading to the worst economic crisis in many years. The aftermath led to major changes in financial regulation and a global recognition of the risks associated with systemic risk. #investmentbanking #finance #ProCapitas #internship

Leaked TD Bank Interview Questions (2025 Interns Confirmed)... Here are 2 real questions TD asked this year: 1️⃣ Suppose a tech firm shifts investments from OpEx to CapEx — what happens to EBITDA, Net Income, EV/EBITDA, and P/E? 2️⃣ Suppose ParentCo has an enterprise value (EV) of $120, an equity value of $90, $90 of debt, and $50 in cash, along with an EBITDA of $12 and net income of $7. TargetCo has an EV of $50, an equity value of $50, an EBITDA of $5, and net income of $3. ParentCo decides to acquire TargetCo entirely using debt at an 8% coupon. What are the pro-forma EV/EBITDA and P/E ratios following the acquisition? 💡 These are the types of questions that separate prepared candidates from the rest. Want the complete list of past interview questions across TD + other banks? 👉 1. Follow Us 2. Comment your Email #InvestmentBanking #TDBank #IBInterviews #Recruiting

Have you ever wondered where a simple suggestion might lead? For one individual, a part-time job as a bank teller sparked a 26-year career in real estate. An older real estate broker saw potential and encouraged them to get a license, offering to reimburse the course fees upon passing. That initial push led to a successful and fulfilling career. It highlights the importance of recognizing potential in others and the profound impact a mentor's guidance can have. Watch the full video here https://lnkd.in/ebmFCYAw #realestate #mentorship #careerjourney #inspiration

Many people overlook the significance of their credit score, assuming it won't impact their career. Surprisingly, in certain circumstances, your credit history can influence job prospects. Some employers may conduct credit checks without disclosing their reasons for rejection, leaving candidates in the dark. Understanding how your credit score intersects with your career could be vital. High-stakes roles, especially in finance and security, often require clean credit reports. If you haven't checked your credit lately, there may be actions you can take to enhance your score and thereby improve your professional opportunities. What are your thoughts on the relevance of credit scores in career advancement? Do you think it should play a role in hiring decisions? #CareerAdvice #CreditScore #ProfessionalDevelopment #JobMarket #EmploymentLaws https://lnkd.in/gX6gfExs