Setareh Yaghini

***-*** *** ***** ****, Richmond Hill, Ontario L4C 0T5

Cell: 416-***-****, Email: ac2dr5@r.postjobfree.com OBJECTIVE:

Credit Analyst

SUMMARY OF QUALIFICATIONS:

Five years of experience in credit risk analysis in a bank with deep understanding of analyzing and modeling risk; with expertise in preparing credit risk reports based on the Basel committee guidelines

Master’s degree in Economics with strong knowledge of econometrics and quantitative analysis with a deep understanding of financial statements to interpret data and draw conclusions

Advanced knowledge of MS Office (Excel, Word and PowerPoint) with proficiency in SPSS and SQL to evaluate financial data and prepare reports to other business units and senior managers

Good interpersonal and communication skills with ability to work independently and in a team in order to achieve results in a timely manner; strong capability to multitask and function well under pressure

Flexible, hard-working and enthusiastic to learn with strong initiative and attention to details and accuracy of the information; excellent analytical and strategy skills with problem-solving abilities

Supervised a team to design and implement a new internal credit rating model and presented it at a public lecture at the annual conference on Monetary Policy of Iranian Banks PROFESSIONAL EXPERIENCE:

Senior Credit Risk Analyst Sep. 2010 – Nov. 2015

EN Bank (Bank Eghtesad Novin), Iran

Performed credit risk analysis by reviewing financial and accounting documents and wrote reports based on the Basel committee guidelines and the bank strategy used by other business units

Developed stress testing used to evaluate the potential impact on portfolio values of possible events in a set of financial variables and new legislation with making recommendations on risk coverage

Designed and implemented internal rating and credit scoring models (such as KMV, logit and CART) and conducted statistical analyses to quantify risk by using statistical analysis software

Assessed the financial history of individuals and companies by reviewing financial and accounting documents and tracked their credit behavior to determine the risk of default

Calculated capital adequacy, expected loss, value at risk and economical capital by using portfolio management software; performed research for deriving new risk management algorithms

Assisted in the preparation and management of rating committees by gathering and analyzing data, preparing charts and required documentation, running models and sourcing analytical information

Attended rating committees and discussed key credit issues; published timely and insightful research and assisted in conducting credit research and analysis

Collaborated with a team of analysts on various analytical, statistical and data projects by utilizing Excel and SQL to query and tapping into large data sets to conduct data analysis

Operated on several engagements at a time and worked collaboratively with team members and internal departments to minimize risks and maximize rewards

Provided effective and value added recommendations to resolve issues identified in the reviews and supported the development of action plans to quickly resolve issues Setareh Yaghini

612-350 Red Maple Road, Richmond Hill, Ontario L4C 0T5 Cell: 416-***-****, Email: ac2dr5@r.postjobfree.com Statistic Unit Supervisor Sep. 2009 – Sep. 2010

Journal of Iran Economics, Iran

Collected data, compiled tables, graphs and charts and summarized statistics for forecasting economic indicators and integration in research papers and reports

Conducted research and produced analyses covering global and national economic outlook, Key industries, labour market and financial market trends by using quantitative analytical approaches

Performed statistical, seasonal adjustment and econometric procedures on economic data; wrote and published articles with knowledge sharing and team working in an academic environment

Completed and supported the completion of all regulatory and external reporting requirements with ensuring accuracy and timeliness of information

Accounting Clerk Sep. 2008 – Sep. 2009

Noric Co, Iran

Entered and verified transactions such as accounts payable and receivable, payroll, purchase orders, cheques, invoices and bank statements in a computer system

Determined cost of operations by establishing standard costs; collected operational data based on estimates, quotations and price lists

Examined accounting records and summarized current financial status by preparing monthly, quarterly and annual financial statements and reported to line of business leadership team

Identified financial status by comparing and analyzing actual results with plans and forecasts; provided recommendations for identifying and implementing process improvements EDUCATION AND TRAINING:

Mastering Data Analysis in Excel 2017

Online course, Duke University

SQL Server 2008 Development & Maintenance 2013

Tehran Institute of Technology, Iran

Comfar III Expert / Games Theory in Banking Industry 2013 En Bank, Iran

Credit Rating 2012

Analysts Matrix Institute, Iran

Basel II & Credit Risk Management 2011

Iran Banking Institute, Iran

Master of Science, Developing Economics and Planning 2011 AL-Zahra University, Iran

Bachelor of Science, Industrial Economics 2008

Shahid Beheshti University, Iran

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