Summary
Overview
Work History
Education
Skills
Languages
Timeline
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Almira Hodzic

Bellevue,WA

Summary

Dynamic Senior Financial Analyst with extensive experience at Wuestenrot Bausparkasse & Bank AG, excelling in profitability tracking and KPI development. Recognized for delivering impactful financial analyses and implementing liquidity models, showcasing strong analytical skills and a goal-oriented approach to enhance decision-making and strategic planning.

Overview

13
13
years of professional experience

Work History

Senior Financial Analyst, Controlling

Wuestenrot Bausparkasse & Bank AG
Ludwigsburg, Germany
04.2012 - 04.2014
  • Conducted monthly profitability tracking and prepared performance reports for all banking and housing finance products, serving as the foundation for CFO-level decision-making and annual strategic reviews.
  • Delivered detailed ad hoc financial analyses and special evaluations for executive leadership, department heads, and cross-functional teams.
  • Supported profit margin planning by helping to determine operating margins and developing KPIs for liability products, improving planning transparency and precision.
  • Designed and implemented a regulatory-compliant liquidity transfer pricing model, including both direct and indirect cost structures.
  • Led workshops with board members and departments to coordinate, document, and professionally roll out the new financial concepts, including team training sessions.
  • Proficient in financial modeling, Excel, and data analysis tools like CBS (a self-created program with external technical support) and Microsoft Access; highly experienced in developing structured reports and presentations for executive audiences using Microsoft PowerPoint.
  • Recognized for analytical thinking, precision, independence, high resilience, and a strong ability to communicate complex financial concepts clearly and effectively.

Specialist – Credit Risk, Restructuring

Wuestenrot Bausparkasse & Bank AG
Ludwigsburg, Germany
08.2007 - 03.2012
  • Managed complex delinquent and restructuring cases across consumer and secured loan portfolios.
  • Developed and executed tailored restructuring plans.
  • Created a process with Microsoft Access for customized dunning notices and termination letters.

Specialist – Savings and Loan Services

Wuestenrot Bausparkasse & Bank AG
Ludwigsburg, Germany
01.2004 - 07.2007
  • Handled end-to-end processing of savings and loan contracts, including contract modifications, debt restructuring, and disbursements.
  • Managed trust mandates and collateral agreements.
  • Ensured regulatory compliance, high data accuracy, and customer-oriented service.

Graduate Apprenticeship Trainee

Wuestenrot Bausparkasse & Bank AG
Ludwigsburg, Germany
09.2001 - 12.2003

Completed a banking apprenticeship with a focus on lending, savings, customer service, and financial advising. Gained experience in credit operations, tax incentives, securities, international payments, and account management.

Education

Bachelor of Arts - Business Administration

South Westphalia University
Iserlohn, Germany
01-2013

'Betriebswirtin VWA' - Certified Business Economist - Business Administration And Economics

VWA - Academy Business Administration & Education
Stuttgart, Germany
09-2011

Banking And Finance

IHK - Industrie Und Handelskammer
Boeblingen, Region Stuttgart, Germany
01-2004

'Finanzassistentin IHK' - Qualification in Private Wealth Management

IHK - Industrie und Handelskammer
Boeblingen, Region Stuttgart, Germany
01-2004

Some College (No Degree) - AWS AI & ML Scholars

Udacity

Skills

  • Financial analysis
  • Profitability tracking
  • Margin planning
  • KPI development
  • Liquidity modeling
  • Forecasting
  • Ad hoc reporting
  • Cost optimization
  • Financial modeling
  • Excel (advanced), Python, PyTorch
  • Goal orientation, resilience
  • Communication, presentation

Languages

English
Full Professional
German
Native/ Bilingual
bosnian/croatian/serbian
Native/ Bilingual
French
Full Professional

Timeline

Senior Financial Analyst, Controlling

Wuestenrot Bausparkasse & Bank AG
04.2012 - 04.2014

Specialist – Credit Risk, Restructuring

Wuestenrot Bausparkasse & Bank AG
08.2007 - 03.2012

Specialist – Savings and Loan Services

Wuestenrot Bausparkasse & Bank AG
01.2004 - 07.2007

Graduate Apprenticeship Trainee

Wuestenrot Bausparkasse & Bank AG
09.2001 - 12.2003

Bachelor of Arts - Business Administration

South Westphalia University

'Betriebswirtin VWA' - Certified Business Economist - Business Administration And Economics

VWA - Academy Business Administration & Education

Banking And Finance

IHK - Industrie Und Handelskammer

'Finanzassistentin IHK' - Qualification in Private Wealth Management

IHK - Industrie und Handelskammer

Some College (No Degree) - AWS AI & ML Scholars

Udacity