Grace Zhou
Grace Zhou
I am Grace Zhou, a Real Estate Debt Lending Associate at Citigroup Global Markets with a focus on data-driven financial analysis and market strategy. Based in New York City, I combine a rigorous background in traditional banking with a passion for emerging technology and cross-border expansion. Outside of the spreadsheet, I am an avid swimmer, a Mandarin Chinese student, and a lover of all things data related (see below)—interests that reflect my commitment to discipline, continuous learning, and global perspectives. I built this site to showcase my professional portfolio and also what makes me who I am outside of work.
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Expertise in Debt Structuring & Underwriting
The following chart illustrates my monthly deal closing volume, reflecting a high-velocity track record of capital deployment across a diverse range of real estate debt structures. Over the past 12 months, I have successfully closed $2.6 billion in total deal volume, managing the end-to-end lifecycle of complex credit transactions—from initial underwriting and risk assessment to final execution. My experience spans all major asset classes and key geographies across the United States, providing me with a deep understanding of regional market dynamics and asset-specific performance. These results demonstrate a proven ability to navigate volatile market conditions while maintaining a robust, nationwide pipeline for high-value assets.
On-Site Execution & Workflow Optimization Metrics
To maintain peak performance in a high-volume environment, I leverage automated tracking via Google Scripts, iPhone Shortcuts, and Google Sheets to monitor my professional output. This chart illustrates my daily office presence over the trailing 15 days, reflecting a consistent commitment to on-site execution with a focus on maximizing high-leverage hours. By analyzing these trends alongside my deal-closing velocity, I am able to optimize my workflow and ensure sustained productivity across complex, long-term credit transactions.