Risk Analyst

Jawwad Ul Haque

** ******** ******, ******** *, Apartment 305, Norwalk, CT 203-***-****

(******.*****@*****.***) www.jawwadulhaque.com

SUMMARY

Proven five years of experience in financial analysis, counterparty credit risk, collateral analysis and management. Proficient in problem-solving, quantitative assessment and in managing relations with third parties and vendors. Team player, strong analytical and communication skills

COMPETENCIES/SKILLS analyst

Business: Financial Modeling, Healthcare, Stress Testing, Collateral Analysis, Counterparty Credit Risk, Financial Statement Analysis, Risk Valuation & Modeling & Basel II

Technical: Python (Pandas, Numpy & Scipy), Excel, SQL, Matlab, VBA, Data Analysis and Bloomberg

WORK EXPERIENCE

Z Creamery LLC

Financial Planning and Analyst February 2017 – Present

Performing financial statement analysis, valuation and developing, reporting and presenting recommendations to senior management

Monitoring company performance by calculating and reporting on Key Performance Indicators (KPIs) using Excel (VLOOKUP & pivot tables) and SQL (Database)

Assisting senior analyst in providing meaningful and informative analysis explaining variances of business results from the financial plan

Prepared Ad Hoc Analysis as needed including third parties for financial matters

Supporting to find gaps in internal controls and performing financial risk analysis to open more franchises

Attending monthly vendor meetings and responded to queries

Assisting in the preparation of periodical management reports

Preparing budget and variance analysis reports

TechneHire (USA)

Financial Analyst Intern November 2015 - January 2016

Analyzed existing customer base to developed a payment plan

Coordinated with software engineering team to extract client information

Created a Financial Model to forecast 5 years’ subscriptions using Excel

Designed a pricing strategy to improve profitability, provided recommendation based on findings

United Bank Limited

Credit Administration Officer July 2012 - May 2015

Performed credit risk analysis and collateral analysis (Cash and Fixed Income) and management for corporate loan products and services

Prepared material and implemented a credit limit approval process and created limits for existing clients based on financials

Drafted risk analysis and due diligence presentations and presented to Head of the Department

Assessed earnings and collateral quality, debt capacity, liquidity coverage ratio, P&L, assisted in internal credit ratings and enterprise valuation using relevant methodologies

Documented potential risks and communicated gaps in internal controls to mitigate the risk

Applied industry’s best practices to ensure risk mitigation and to remain in compliance

Performed financial statement analysis using discounted cash flow and previous transactions for loan transactions

Evaluated counterparty credit risk including PD, EAD and PFE

Supervised disbursement of funds by providing timely financial information

Monitored settlements of USD & distributed reports, captured maturities, rollovers, payoffs, and fees

Performed comprehensive portfolio stress testing for highly net worth clients

Enhanced existing work stream three times by automating the procedures using Excel-VBA

Attended departmental meetings to understand the key risk areas

Used DML and DDL functions on SQL server to query and maintain relational database

Jawwad Ul Haque 203-***-**** (******.*****@*****.***) www.jawwadulhaque.com

Oriental Sales Corporation

Assistant Finance Manager September 2011 - June 2012

Prepared, examined, and analyzed accounting records, financial statements, and other financial reports to assess accuracy, completeness, and conformance to reporting and procedural standards using proprietary database system

Computed taxes owed and prepare tax returns, ensured compliance with payment, reporting and other tax requirements

Developed, implemented, modified, and documented recordkeeping and accounting systems

Established tables of accounts and assign entries to proper accounts

Developed, maintained, and analyzed budgets, performed variance analysis

University of Karachi January 2012 - May 2015

Department of Economics

Visiting Faculty Lecturer (Evening)

Delivered lectures to students in Master of Economics and Finance program

Taught Financial Management, Corporate Finance and Banking

EDUCATION

University of Connecticut Stamford, CT

Master’s Degree in Financial Risk Management, GPA 3.7 December 2016

Research Paper: “Impact of regulatory changes on hedge funds businesses after financial crisis 2008”

TIAA-CREF (Capstone Project from UConn)

Catastrophe Bond Modeling (California Earthquake) September 2016 - December 2016

Successfully implemented a research paper to develop a catastrophe bond (Earthquake)

Used homogeneous poisson processes modeling in R and performed stress testing for expected loss of real estate portfolio, spread analysis and presented the entire model to senior management in New York Office (in person), and North Carolina, Chicago and California (video conferencing).

Academic Projects

Option-pricing using Black Scholes, binomial tress and Monte Carlo Simulations

Used single factor Gaussian copula model to create the Structured Synthetic Products, ran simulation in R to get Vacisek distribution of 100 companies in 1000 scenarios, priced CDS and calculated VaR for each tranche using Cornish-fisher method and constructed trade strategies based on technical results

Stress testing of portfolios using Linear Regression based on DFAST 2016 framework

Estimated interest-rate swap exposure using Vasicek model in Matlab, estimated expected exposure (EE), potential future exposure (PFE), credit value adjustment (CVA) of 250 hypothetical counterparties using simulation

University of Karachi

Master of Commerce, Major in Finance December 2010

Program provided in-depth study of Financial Management, Corporate Finance and Investments

University of Karachi

Bachelor of Commerce (Honors) December 2009

Sindh Board of Technical Education

Diploma in Information Technology March 2011

Database and information system (SQL Server)

Microsoft Office Automation

Operating system

Ecommerce

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