Taleh Najafov
Baku
Summary
With 2+ years of experience as a Finance/Risk specialist and who has a solid background in Risk Management looking for a challenging opportunity to use my extensive knowledge on risk analysis, accurate evaluation of financial performance, and implementation of policies for the benefit of clients as well as the organization.
Overview
8
8
years of professional experience
Work History
Corporate Credit Risk Underwriter
PASHA BANK OJSC
Baku
2023.06 - Current
- Conducted comprehensive credit analysis and underwriting for over 50 corporate loans across Manufacturing, Oil & Gas, Auto, and Telecom sectors; suggested the new loan structures for more than 25% of existing loan requests and 75% of the covenants recommended accepted by Executive Board.
- Analyzed credit ratings for over 150 companies using financial models and industry benchmarks; calculated provisions that mitigated risk exposure by 20% in the loan portfolio, enhancing overall financial stability.
- Evaluated and verified 100+ credit risk factors before loan approvals, and reduced PD default rates for 15% of the customers.
Financial Analyst
NAGSHIJAHAN CONSTRUCTION LLC
Nakhchivan
2021.08 - 2022.12
- Preparing and analyzing financial statements like Cash Flow, Balance Sheets, and P&L statements
- Assisting with research, filing, data entry, and recording
- Evaluating financial performance by comparing and analyzing actual results with plans and forecasts
- Monitoring the efficiency of existing accounting procedures and ensuring they comply with government regulations.
Finance Trainer
SPARKASSENSTIFTUNG FÜR INTERNATIONALE KOOPERATION
Baku
2016.12 - 2017.12
- Increasing the financial knowledge of participants about drawing up and keeping a household budget and making them more aware of the benefits of long-term budget planning
- Informing about such macroeconomic concepts as inflation and purchasing power
- Making the participants aware of the role of financial institutions for the individual customer and the economy as well as understanding how to select a sound financial institution.
Education
MASTER OF SCIENCE - QUANTITATIVE FINANCE
The University of Bologna
Bologna, Italy03.2021
BACHELOR OF SCIENCE - BUSINESS MANAGEMENT
The National Aviation Academy
Baku, Azerbaijan06.2018
Skills
- Financial Statement Analysis
- Statistical Modeling
- Credit risk mitigation
- Quantitative Risk Analysis
- Microsoft Office
- Fast Learner
- Attention to Detail
- Analytical Thinking and Problem-Solving
Languages
Azerbaijani
First Language
English
Advanced (C1)
C1
Turkish
Advanced (C1)
C1
Italian
Beginner
A1
Timeline
Corporate Credit Risk Underwriter
PASHA BANK OJSC
2023.06 - Current
Financial Analyst
NAGSHIJAHAN CONSTRUCTION LLC
2021.08 - 2022.12
Finance Trainer
SPARKASSENSTIFTUNG FÜR INTERNATIONALE KOOPERATION
2016.12 - 2017.12
MASTER OF SCIENCE - QUANTITATIVE FINANCE
The University of Bologna
BACHELOR OF SCIENCE - BUSINESS MANAGEMENT
The National Aviation Academy
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