“I recently had a LinkedIn audit call with Arnau as part of my WSO Academy program, and it was one of the most practical and useful sessions I've had so far. I came in thinking my profile was in decent shape. I left with a clear picture of how recruiters and bankers actually see it, and a concrete list of changes that will make it work much harder for me.
Some background: I'm moving from corporate finance into investment banking, corporate banking, and private equity. I have an MBA in Corporate Finance, a PMP, and several years of finance and project management experience. Making that kind of move depends heavily on how you present your story, and LinkedIn is often the first place a recruiter or analyst sees it. That's why this session mattered so much to me.
From the first few minutes, Arnau was well prepared, direct, and focused on what actually moves the needle. He didn't just give generic tips like "add a professional photo." He went through my profile section by section and explained why each piece matters to someone in finance who's quickly scanning candidates. His feedback was honest without being discouraging, which I really appreciated. He pointed out where my profile was underselling my experience and where it wasn't clearly showing that I'm aiming for banking and PE.
What stood out most was how he helped me think about positioning. My background covers corporate finance, project management, hospitality, and real estate, and it can be hard to make that read as one clear story. Arnau helped me connect those experiences to the skills banks look for: financial analysis, modeling, managing budgets and capital, and working with senior stakeholders. He showed me how small changes to my headline, About section, and experience bullets can make that story obvious within seconds.
The session was also very actionable. I didn't leave with vague ideas. I left with a short list of specific edits I can make right away. That matters a lot when you're job hunting and every week counts. He also shared advice on using LinkedIn more actively, such as engaging with the right people and content, so the profile supports my networking instead of just sitting there.
I also want to recognize the overall WSO Academy experience. Between the modeling bootcamp, the company research work, the mentorship, and sessions like this one, the program has given me structure and support during a career transition that can otherwise feel isolating. This call was a good example of what makes WSO different: the people coaching you understand the industry you're trying to break into and give feedback that reflects how hiring really works.
If you're a WSO member and haven't booked a LinkedIn audit yet, I'd strongly recommend it. It's a short time commitment, and the return is significant. Your LinkedIn profile is often your first impression, and having an experienced set of eyes on it is worth it.
Thank you, Arnau, for your time, honesty, and practical guidance. I'm excited to put the changes in place and keep building toward my goal of breaking into investment banking.”
If it's not callable then you have to pay all future debt service so you will have to PV each payment back to the date you want to 'call' (defease) the bonds on. Basically you will put a bunch of money into an escrow that buys Treasuries that match maturities with your future payments. So you are PVing each payment back by the respective treasury. Generally referred to as a make whole call (ie the holders are being made whole).
Thanks for the explanation. During the summer I heard Analysts getting percentages from GCM. So for example, if a bond was $100MM, they would say you have to pay 110% to break, so retire the $100MM and then pay $10MM in breakage on top. Is that just them simplifying so they don't have to use a make-whole matrix?
Don't know what GCM is but maybe that was just the call premium? 10% sounds high (maybe you just made that # up). Make whole would actually come out (usually) to a lot more than 10% on top of the par so I'm guessing it was just the call premium. In that case you just pay the par + par premium * par, exactly like you said.
sorry, GCM is the abbrev for capital markets. ok, and when capital markets (or anyone else) quotes the call premium, is that premium derived from some make-whole calculation (i do realize i should probably ask capital markets this haha).
i'm just trying to understand if the make-whole would generally tie with the premium. sounds like it does? pay the bondholders a premium to redeem early vs. payments they require to make them whole.
It will be in the bond offering documents and set before the issue goes to market and will be reflected in the yield/price of the bonds sold.
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