Masoud Saffariashtiani
Apeldoorn
Summary
Dynamic Credit Analyst with a proven track record at Sepah Bank, enhancing financial decision-making through expert risk assessment and credit analysis. Leveraged Microsoft Excel proficiency and strong problem-solving skills to streamline reporting and improve operational efficiency.
Experienced with financial analysis and credit risk assessment, focusing on evaluating borrower creditworthiness. Utilizes advanced analytical skills to interpret complex financial data and provide actionable insights. Track record of effective collaboration and communication with cross-functional teams to achieve organizational objectives.
Overview
6
6
years of professional experience
Work History
Credit Analyst
Sepah Bank
01.2021 - 01.2024
- Assessed credit risk and analyzed financial statements.
- Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
- Analyzed credit scores to determine borrowers' creditworthiness.
- Reviewed credit reports to comprehensively view borrowers' credit history and identify potential red flags.
- Conducted financial review of customer lines of credit by assessing company financials and initiating credit application reviews.
Financial Analyst
Sepah Bank
01.2020 - 01.2021
- Conducted detailed financial analysis to identify and evaluate changes in operations, trends and potential areas of improvement.
- Facilitated smooth month-end close processes by efficiently reconciling accounts and addressing discrepancies promptly.
- Streamlined financial reporting for better decision-making with clear, concise analysis and presentation.
- Initiated process improvements that increased the efficiency of budgeting cycles while maintaining accuracy standards.
Financial Operation
Sepah Bank
01.2018 - 01.2019
- Enhanced financial reporting accuracy by streamlining data collection and analysis processes.
- Identified areas for cost reduction, implementing strategic changes to optimize profitability.
- Managed relationships with external vendors, negotiating favorable terms for contracts while maintaining high levels of service quality.
- Developed custom financial reports to meet the unique needs of various stakeholders within the organization.
Education
MBA - Finance
Wittenborg University of Applied Siences
Apeldoorn, Netherlands09-2024
Master of Science - International Business Management
Payame Noor University
Tehran 01-2013
Bachelor of Science - Accounting
Payame Noor University
Tehran01-2008
Skills
- Risk assessment
- Credit analysis
- Financial statement analysis
- Credit risk
- Microsoft Excel proficiency
- Financial statement review
- Financial forecasting
- Problem-solving
- Teamwork and collaboration
- Adaptability and flexibility
- Self motivation
- Project management
Languages
Persian
Native language
English
Upper intermediate
B2
Dutch
Elementary
A2
Timeline
Credit Analyst
Sepah Bank
01.2021 - 01.2024
Financial Analyst
Sepah Bank
01.2020 - 01.2021
Financial Operation
Sepah Bank
01.2018 - 01.2019
MBA - Finance
Wittenborg University of Applied Siences
Master of Science - International Business Management
Payame Noor University
Bachelor of Science - Accounting
Payame Noor University
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