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Ms. Zhang is a professional with over 20 years of experience in credit and market risk management for commercial loan underwriting and portfolio management. She has been responsible for credit risk, market risk, credit review and monitoring for Commercial & Industrial loans, Commercial Real Estate loans and Small Business loans. Prior to joining ARCFE, she worked at various financial institutions including Capital One,RBS America, KPMG Consulting and PricewaterhouseCooper (PwC).