Bahruz Namazov
Ganja,Azerbaijan
Summary
Results-driven professional with strong expertise in audit and inspection, combined with many years of experience in the banking sector as a Credit Specialist. Skilled in evaluating financial and operational processes, assessing risk, and ensuring compliance with internal policies and regulatory requirements. Experienced in providing guidance and oversight to support process improvements, strengthen internal controls, and enhance risk management practices. Possesses a solid understanding of credit analysis, loan assessment, and banking operations, with a proven ability to deliver accurate reports and actionable recommendations.
Overview
22
22
years of professional experience
Work History
Branch manager
BSC Consulting & Outsourcing
Ganja
04.2023 - Current
- Documented process and HR policy changes with SMEs and executed a communications plan to ease the transition of employees into a new organization.
- Developed communication portal and employee forums to enhance leadership engagement with employees.
- Provided strategic advice, development of solutions and operational assistance.
- Managed operational relationship between client and third-party data center.
- Generated business from existing accounts by developing relationships.
- Developed and executed a vision to grow the regional business unit, satisfying specific technical, sales, and business requirements.
- Served as a Project Manager leading the development and implementation of program and project management frameworks for multiple organizations.
Leading Specialist in Corporate Loans
Kapital Bank
Ganja
01.2018 - 01.2019
- Carried out day-day-day duties accurately and efficiently.
- Proved successful working within tight deadlines and fast-paced atmosphere.
- Initial persecution of credits.
- Offered friendly and efficient service to customers, handled challenging situations with ease.
- Served customers and followed outlined steps of service.
- Resolved problems, improved operations and provided exceptional service.
- Used coordination and planning skills to achieve results according to schedule.
- Actively listened to customers, handled concerns quickly and escalated major issues to supervisor.
Leading Specialist in Corporate Loans
Unibank
Ganja
01.2018 - 12.2018
- Demonstrated respect, friendliness and willingness to help wherever needed.
- Offered friendly and efficient service to customers, handled challenging situations with ease.
- Served customers and followed outlined steps of service.
- Resolved problems, improved operations and provided exceptional service.
- Used coordination and planning skills to achieve results according to schedule.
- Actively listened to customers, handled concerns quickly and escalated major issues to supervisor.
1.Loan Specialist 2.Audit and Inspection Services
Rabita Bank
Ganja
01.2012 - 01.2016
- Conduct internal audits of financial and operational processes
- Review financial records, reports, and accounting documentation for accuracy
- Evaluate internal control systems and identify weaknesses
- Ensure compliance with laws, regulations, and internal policies
- Identify risks and provide recommendations to mitigate them
- Prepare audit reports and present findings to management
- Monitor the implementation of corrective actions
- Investigate irregularities and non-compliance issues
- Collaborate with different departments during audit activities
- Support improvements in policies, procedures, and control mechanisms
- Explained very technical financial information to applicants in easy to understand language.
- Originated, reviewed, processed, closed, and administered customer loan proposals.
- Assisted customers in understanding loan terms and conditions to make informed decisions.
- Advised clients on mortgage, education and personal loans.
- Examined customer loan applications for loan approvals and denials.
- Assessed loan portfolios for compliance with underwriting policies.
- Proactively identified solutions for customers experiencing credit issues.
- Researched and updated industry knowledge on changing legislation and regulations.
- Approved loan applications based on customer creditworthiness and provided detailed financial advice.
- Negotiated loan terms and conditions with customers to secure best deal.
- Identified opportunities to cross-sell and upsell loan products to customers.
- Supervised loan personnel and motivated to maintain customer service and performance standards.
- Helped college students obtain financial aid through loan programs.
- Developed and maintained relationships with customers, lenders and other third parties.
- Established plans and payoffs for customers' loans, prioritizing control of overall costs.
- Assisted clients with improving financial health by counseling on issues such as excessive spending and borrowing.
- Monitored pipelines to track and log status of loans.
Loan Specialist for Micro Loans
Access Bank
Ganja
01.2008 - 01.2011
- Initial persecution of credits.
- Quickly learned new skills and applied them to daily tasks, improving efficiency and productivity.
- Carried out day-day-day duties accurately and efficiently.
- Demonstrated respect, friendliness and willingness to help wherever needed.
- Used critical thinking to break down problems, evaluate solutions and make decisions.
- Offered friendly and efficient service to customers, handled challenging situations with ease.
- Served customers and followed outlined steps of service.
Credit Specialist for Consumer Loans
Nikoil Bank
01.2007 - 01.2008
- Informing customers about bank products;
- Used critical thinking to break down problems, evaluate solutions and make decisions.
- Offered friendly and efficient service to customers, handled challenging situations with ease.
- Initial persecution of credits;
- Collection of documents and sending to the head office;
- Clearance of cards
Ganja International Airport
Security Guard
Ganja
01.2004 - 01.2007
- Worked flexible hours; night, weekend, and holiday shifts.
- Greeted guests professionally and courteously to cultivate welcoming atmosphere while making safety top priority.
- Checked identification of persons entering and exiting facility to eliminate unauthorized visitors.
- Executed security rules and procedures and calmly and promptly escorted non-compliant individuals out of building.
- Inspected suspicious activities and monitored premises for criminal acts and rule infractions.
- Aviation Security service
Education
Bachelor of Science - Finance-economist
Azerbaijan International University
Baku, AzerbaijanSkills
- Corporate Documentation
- Adaptability
- Customer Service
- Analytical skills
- Conflict resolution
- Inspection and Audit Procedures
- Detection of Errors and Irregularities
- Self-motivated professional
- Strong interpersonal and communication skills
- Strong presentation skills
- Corporate Partnerships
- Strong computational skills
- Corporate Standards
- Corporate Messaging
- Corporate Communications
- Corporate Services
- Commercial and Credit Loans
References
- Mr Elmadin Gurbanov, Branch manager of Ganja Card center in Kapital Bank, +994 55 270-43-96
- Mr Agil Atayev, Manager of Ganja branch in Unibank, +994 50 239-94-49
- Mr Maghsud Alizadeh, Head of Credit Department in Rabita Bank, +994 50 344-74-44
- Tehmine DemirovaHR Department Head, BSC📞 +994 55 447 47 77
Languages
- English
- Turkish
- Russian, Bilingual or Proficient (C2)
- English, Intermediate (B1)
- Turkish, Upper intermediate (B2)
Additional Information
MS Windows, MS Office, Internet Explorer, LFS, SMART, MARBASSİ, ASBank (banking systems), VA-BANK, International Security Forces, Kabul, 01/01/02 - 01/01/03
Languages
English
Upper Intermediate
B2
Russian
Proficient
C2
Turkish
Advanced
C1
Timeline
Branch manager
BSC Consulting & Outsourcing
04.2023 - Current
Leading Specialist in Corporate Loans
Kapital Bank
01.2018 - 01.2019
Leading Specialist in Corporate Loans
Unibank
01.2018 - 12.2018
1.Loan Specialist 2.Audit and Inspection Services
Rabita Bank
01.2012 - 01.2016
Loan Specialist for Micro Loans
Access Bank
01.2008 - 01.2011
Credit Specialist for Consumer Loans
Nikoil Bank
01.2007 - 01.2008
Ganja International Airport
Security Guard
01.2004 - 01.2007
Bachelor of Science - Finance-economist
Azerbaijan International University