Cindy H.

CPA | Commercial Banking | Private Equity | Investment Analysis | Private Lending | Real Estate Finance I'm a CPA and finance executive with more than 25 years of experience in public accounting, commercial banking, private equity, private lending, and real estate investing. I help business owners, investors, lenders, and entrepreneurs evaluate opportunities, structure transactions, raise capital, and make sound financial decisions. My commercial banking background includes underwriting and structuring transactions ranging from $1 million to $35 million across manufacturing, transportation, nonprofit, healthcare, retail, and commercial real estate. Today, I work with private investors and borrowers to evaluate investment opportunities, analyze financial and collateral risk, structure lending transactions, prepare investor presentations, coordinate due diligence, and manage deals from underwriting through closing. I bring a unique combination of institutional credit expertise and real-world investment experience, allowing me to evaluate opportunities from the perspectives of a lender, investor, financial advisor, and business owner. My approach emphasizes disciplined risk assessment, transparent communication, and practical solutions that help clients confidently raise capital, deploy capital, and execute complex financial transactions. I joined Upwork because I enjoy working on challenging financial projects and have the flexibility to partner with clients beyond my own investment activities. I selectively take on engagements where I can provide immediate value, whether that's underwriting a transaction, evaluating an investment opportunity, building a financial model, preparing investor materials, or helping clients navigate complex financing decisions. My goal is to become a trusted advisor who delivers thoughtful analysis, responsive communication, and results clients can rely on. Core Competencies • Investment Analysis & Deal Evaluation • Commercial Credit & Risk Management • Loan Structuring & Underwriting • Private Equity & Private Lending • Real Estate Investment Analysis • Financial Modeling & Cash Flow Analysis • Investor Presentations & Capital Raising • Due Diligence & Transaction Management • Portfolio & Risk Management • Commercial Real Estate Finance • Strategic Financial Planning • Executive Financial Advisory