RUSIF NAZARLI
Baku
Summary
I am a highly motivated, enthusiastic, experienced, mature team worker and adaptable to all challenging situations. I am able to work well both in a team environment as well as using my own initiatives. My exceptional problem-solving abilities enable me to leverage analytical insights effectively and optimizing efficiency. I am recognized for my unwavering motivation to excel in all endeavors, thriving in high-pressure environments and delivering results with discipline and precision. Being distinguished as a recipient of the Azerbaijan State Scholarship Program, earning full scholarships to elite global universities, underscores my commitment to academic excellence and personal growth. Graduating from the prestigious University of Warwick further validates this dedication and marks a significant milestone in my academic journey.
Overview
5
5
years of professional experience
1
1
Certification
Work History
Credit Risk Underwriter (Specialist)
Pasha Bank ASC (Head Office)
Baku, Azerbaijan
09.2024 - Current
- Evaluate creditworthiness of small and medium enterprises (SMEs) by analyzing financial statements
- Identify and assess potential risks associated with loan applications, structuring deals with an appropriate balance of risk and reward to protect the bank's interests
- Work closely with relationship managers, credit committees, and other departments to facilitate the credit approval process and enhance client satisfaction
- Evaluate borrower profiles by analyzing key financial ratios (e.g., debt-to-equity, current ratio, EBITDA) and risk metrics to determine credit limits, loan structure, and pricing that align with the bank's risk appetite
- Assess historical financial performance and industry trends to project future financial health, identifying patterns that could impact the client’s ability to meet obligations
- Prepare and present comprehensive credit proposals, outlining the borrower’s financial condition, creditworthiness, and proposed credit terms, providing clear justifications for approval or rejection
Corporate Credit Analyst Specialist
International Bank of Azerbaijan (ABB Head Office)
Baku, Azerbaijan
04.2022 - 08.2023
- Conducted comprehensive analysis of documentation provided by corporate clients, meticulously reviewing financial statements and other business-related documents to assess creditworthiness and determine loan eligibility
- Demonstrated proficiency in analyzing clients' financial health and credit history, leveraging insights to determine appropriate credit limits and mitigate potential risks associated with lending activities
- Fostered proactive communication and collaboration with clients' chief executives, providing transparent updates and addressing inquiries to maintain strong client relationships and enhance overall satisfaction
- Prepared credit memorandums, participated and presented the cases in the credit committees, actively communicated with the client's chief executives
- Evaluated over 250 loan applications spanning diverse industries, including retail, manufacturing, automobile, and construction, employing rigorous credit due diligence to ensure sound lending decisions aligned with the bank's risk appetite
Representative of Yashat Foundation
Yashat Foundation
Lerik, Azerbaijan
06.2021 - 03.2022
- Conducting meetings with socially vulnerable family groups by visiting their addresses and registering them according to their needs
- Presentation and documentation of the funds and other aids allocated by the state to them
Intern
The Ministry of Ecology and Natural Resources of A
Baku, Azerbaijan
02.2022 - 04.2022
Team Leader
Baku EURO 2020
Baku, Azerbaijan
06.2021 - 07.2021
Volunteer
Asan Service
Baku, Azerbaijan
07.2020 - 08.2020
Volunteer
Baku City Circuit
Baku, Azerbaijan
06.2020 - 07.2020
Education
MBA - Finance
Azerbaijan State University of Economics (UNEC)
Baku06-2025
Master of Science - Supply Chain and Logistics Management
University of Warwick
Warwick, United Kingdom10.2024
Bachelor of Science - Accounting And Finance
Azerbaijan State University of Economics (UNEC)
Baku07.2022
Skills
- Microsoft Excel
- PowerPoint
- Word
- Outlook
- Financial Statement Analysis
- Teamwork
- Communication
- Problem Solving
- Leadership
- Creativity
- Time Management
- Risk management
- Multitasking
- Critical thinking
- Analytical thinking
- Decision-making
Personal Information
- Date of Birth: 01/10/2000
- Gender: Male
- Nationality: Azerbaijani
- Driving License: BC
- Marital Status: Single
Certification
- Financial Accounting (ACCA FA), 03/01/21
- Business and Technology (ACCA BT), 01/01/21
- Management Accounting (ACCA MA), 01/01/21
- Fundamentals of Management (Coursera), 100%, 04/01/20
- Formal Financial Accounting (Coursera), 100%, 04/01/20
- Understanding economic policymaking (Coursera), 100%, 04/01/20
- Pricing Strategy (Coursera), 100%, 04/01/20
Languages
Azerbaijani
Bilingual or Proficient (C2)
English
Advanced (C1)
Turkish
Advanced (C1)
Russian
Elementary (A2)
Hobbies and Interests
- Intellectual games
- Football
- Films
- Books
- Travelling
Timeline
Credit Risk Underwriter (Specialist)
Pasha Bank ASC (Head Office)
09.2024 - Current
Corporate Credit Analyst Specialist
International Bank of Azerbaijan (ABB Head Office)
04.2022 - 08.2023
Intern
The Ministry of Ecology and Natural Resources of A
02.2022 - 04.2022
Representative of Yashat Foundation
Yashat Foundation
06.2021 - 03.2022
Team Leader
Baku EURO 2020
06.2021 - 07.2021
Volunteer
Asan Service
07.2020 - 08.2020
Volunteer
Baku City Circuit
06.2020 - 07.2020
MBA - Finance
Azerbaijan State University of Economics (UNEC)
Master of Science - Supply Chain and Logistics Management
University of Warwick
Bachelor of Science - Accounting And Finance
Azerbaijan State University of Economics (UNEC)