Hmm, something's wrong with this mod... I had a merchant with +5 finance skill (various positive traits, cannot remember what exactly he had, but Finance Genius and Capitalist were among the original traits) before I saved the game yesterday. Today, on a reload, the same merchant shows up with the following:

Daft Dealer (-1 Finance)
Slightly Crooked (-1 Finance)
Gaudy (-2 Finance)
Quite Religious (-1 Finance)

And, while displaying these traits, he still showed up with +5 Finance...