~ Results-driven professional eager to contribute exceptional analytical, organizational, and financial expertise toward supporting a dynamic employer in optimizing bottom-line performance. ~

 

 

• Deploy innate business instinct, excellent academic credentials, and a diligent work ethic to identify and implement solutions for cost savings and profit enhancements.

         Adept at performing in-depth financial analysis to support short-term and long-range business plans and operating budgets.   

         Polished skills in forecasting, variance analysis, expense tracking, credit risk analysis, banking relations, and portfolio management.  

         Effectively collaborate with team members to meet or exceed expectations; significant ability to establish effective working relationships with all levels of an organization.

         Proficiency in financial statement analysis, accounting, reporting, internal controls, budgeting, and cost containment.

         Solid reputation for honesty, integrity, enthusiasm, and commitment to first-rate client service.

         Advanced planning, administrative, prioritization, analytical, and multi-tasking skills.

 

 

Habib American Bank, New York, NY, 2008 to Present  

Credit Risk Analyst

         Apply dynamic critical thinking abilities toward reviewing and assessing existing or potential credit exposure to banks worldwide.

         Conduct in-depth analysis of corporate financial statements and employ financial ratios to monitor credit quality of corporate banks and accurately gauge liquidity and profitability.

         Utilize Microsoft Excel to resourcefully generate financial model for calculating internal rating scores, Tier1 leverage ratio, Tier1 risk-based capital ratio, and risk-weighted assets, ensuring compliance with Basel I and II Accords.

         Generated and submitted customized reporting documentation inclusive of $60M securities portfolio.

         Exercised strong analytical abilities to compile weekly and monthly reports on Regulation W exposures.

         Evaluated and decisively recommended new credit limits for correspondent banks based on financial performance.

 

General Delegation of Qu bec, New York, NY, 2007 to 2008 (Contract)  

International Business Development Analyst

         Conducted extensive market research and analysis to strengthen competitive positioning of Qu bec technology and energy-related industries.

 

Continued

Imran Rizvi ~ Page 2 of 2

 

Professional Experience continued

 

         Demonstrated excellent planning abilities in orchestrating business development events aimed at assisting Qu bec-based companies in securing export opportunities to the United States.

         Established relationships with several American companies to provide information regarding Qu bec s  international business development initiatives and promote involvement.

         Proactively attended trade shows to identify, explore, and assess potential business development opportunities.

 

DCD Finance Inc., New York, NY, 2005 to 2007

Analyst, Real Estate Investment Division         

         Effectively assisted Vice President in building financial models and defining budgets.

         Conducted variance analysis for multiple properties, successfully slashing expenses by 40%.

         Innovatively formulated cost allocation financial model to aid management in renegotiating leases with current or prospective tenants, resulting in capturing rental income growth of 30%.

         Exhibited sharp attention to accuracy in reconciling monthly bank statements and inter-company balances, performing monthly reporting, and administering journal entries.

Analyst, Commercial Finance Division

         Largely supported management lending decisions on new, renewal and extension of credit/loans by compiling comprehensive financial and credit analyses.

         Scrutinized reconciliations of accounts receivables for over 300 client accounts to classify client credit risk and default risk based on recent account activity.

         Uncovered and rectified inefficiencies resulting in boosting revenues by $1.5M.

         Played a key role in administering loan portfolio valued at more than $250M.

         Leveraged exemplary communication, interpersonal, and problem solving skills to foster, nurture and maintain strong client relationships.

 

 

St. John s University, Queens, NY, graduated 2009

Master s of Business Administration in Finance

Key Studies: Corporate Financial Management, Investment Analysis, Asset Management, Financial Accounting, Intermediate Accounting, Financial Statement Analysis

         Member, The International Honor Society of Economics C Omicron Delta Epsilon, Spring 2007

         Participant, Executive in Residence Program, Fall 2006

         Participant, Asset Management Program, Fall 2005

 

Queens College, Flushing, NY, graduated 2003

Bachelor of Arts in Computer Science and Economics

 

 

Programming:  Java, JavaScript, HTML, SQL, MySQL, People Tools

Software & Tools: SAP (FI-CO), MRI, MYOB, Microsoft Office Suite (Word, Excel, Access, Outlook, PowerPoint), Corel WordPerfect

Operating Systems: Microsoft Windows 95/98/NT/2000, UNIX

 

 

 

 

 

 

Date

 

 

Hiring Agent Name

Title

Company Name

Address

City/State/Zip Code

 

Dear__________________:

 

I am currently seeking a challenging career opportunity in a <insert job title/position> capacity and am submitting my resume for your review.  In advance, thank you for your time and consideration.

 

As demonstrated in the accompanying resume, I bring to you outstanding experience in financial analysis, proficiency in formulating reports and comprehensive forecasts, and advanced computer software skills. To complement these qualifications, I offer a strong blend of ingenuity, organizational strengths and critical thinking skills, as well as an MBA Degree in Finance.

 

As a dedicated team member, you will find me to be a conscientious and focused professional committed to supporting you in achieving your objectives through an impressive work ethic and proven success in analyzing and optimizing an organization s fiscal performance and stability. I am certain that I could be an ideal addition to your company, and look forward to interviewing with you in the near future.

 

Truly yours,

 

 

 

Imran Rizvi