Elmir Garayev

• Evaluate credit applications and assess financial health of corporate clients.
• Allocate credit limits to companies and ensure compliance with internal policies.
• Provide approvals based on risk analysis and prepare credit decisions.
• Monitor and track overdue loans and associated credit risks.
• Prepare and present decision reports for internal credit committees.
• Create reports for the Central Bank and support the Financial Department as needed.
• Continuously follow and evaluate risk exposures and credit portfolio performance.

• Assisted in preparing monthly financial statements and reconciliations, gaining hands-on experience with accounting software and Excel financial models.
• Participated in cost analysis and budget planning meetings, contributing to operational efficiency evaluations.
• Supported the finance team in tracking receivables and payables, ensuring timely updates to financial records and compliance with internal controls.

• Collaborated with the accounting department to review invoices, receipts, and expenditure records, enhancing attention to financial detail.
• Conducted basic financial data entry and supported bank reconciliation processes under supervision.
• Gained exposure to budgeting and construction cost estimation procedures specific to the architectural and engineering sector.