Eynulla Maharramov

- Managed a $300M USD portfolio, performing credit risk assessments for both new and existing clients, ensuring alignment with Shell's risk framework and appetite.

- Conducted credit evaluations using financial ratios and cash flow analysis, optimizing credit limits and minimizing losses.

- Led financial statement analysis and risk assessments, identifying overdue accounts and emerging risks, contributing to a 15% increase in credit utilization.

- Secured $75M in collateral, including bank guarantees, to mitigate credit risk and enhance portfolio resilience.

- Collaborated cross-functionally with Sales, Legal, Accounts Receivable, and IT teams, improving credit analysis accuracy and streamlining workflows.

- Reduced order approval time by 30% through process automation, boosting operational efficiency.

- Provided senior management with actionable insights and trend analysis to inform proactive adjustments to credit strategy and support business growth.

- Presented reports to senior management, highlighting key insights to inform credit risk strategies.

- Acted as a Subject Matter Expert (SME), providing training and support to ensure smooth integration for new joiners.

- Implemented Know Your Customer (KYC) procedures and ensured full compliance with Anti-Money Laundering (AML) policies and regulatory standards.

- Sourced and analyzed CDD documentation from platforms like Banker's Almanac, Lexis Nexis, and World-Check to maintain accurate AML/KYC records.

- Evaluated AML and sanctions screening gaps and collaborated with Business Unit AML officers to assess new products for risk and determine screening needs.

- Completed AML Academy and advanced training to maintain 100% compliance with evolving financial crime regulations.

- Demonstrated integrity by promptly reporting AML concerns and suspicious activities, ensuring a culture of transparency and compliance.

- Exceeded AML/KYC review targets by 20%, consistently meeting deadlines with precision.

- Proactively escalated issues, reducing potential risk by 15% and ensuring continuous compliance with legal requirements.

- Analyzed loan applications, reviewing financial statements, credit reports, and other documents to assess creditworthiness and risk.

- Collaborated with lending officers to structure loan terms, including interest rates, repayment schedules, and collateral.

- Ensured compliance with regulatory standards and maintained accurate loan documentation.

- Managed client relationships, providing clear communication on loan terms, interest rates, and repayment options.

- Monitored loan performance, preparing reports on portfolio status, overdue payments, and risk exposure.

- Coordinated with internal teams including Legal, Compliance, Collections for efficient loan processing and portfolio management.

- Prepared financial statements (Profit & Loss, Balance Sheet, Cash Flow) and performed financial analysis to assess company performance and identify improvement areas.

- Assisted with bank reconciliation, ensuring accuracy in financial transactions for efficient reporting.

- Contributed to budget preparation and forecasting by updating financial models and generating detailed reports for management.

- Managed General Ledger entries in compliance with IFRS and Local GAAP standards.

- Supported risk assessment by analyzing insurance policies and evaluating risk exposure.

- Ensured regulatory compliance and supported audit processes by reviewing financial documents.