AYLIN UMAROVA
North Tonawanda,NY
Summary
Analytical professional with strong background in finance and banking. Experienced in operations, lending, credit administration, finance, accounting, and human resources fields. Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Future goal is to make contributions to the institution with prior experience and create value in the workplace.
Overview
10
10
years of professional experience
1
1
Certification
Work History
SENIOR FINANCIAL REPORTING ANALYST
BREAD FINANCIAL INSTITUTION INC
10.2022 - Current
- Responsible for SEC Quarterly Reports (10-Q) and annual reports (10-K) Financial Fillings
- Coordinate and assist in the gathering of information generated by other departments for the preparation of the SEC related filings and earning releases
- Support with month-end close and financial statement review
- Assist external and internal auditors
- Enforce in helping to create new processes/procedures
- Coordinated new projects and testing
- Responsible for 8K Filling and Regulatory Reporting
- Responsible for Cash flow monthly statements.
SENIOR FINANCIAL ANALYST/ASSISTANT VICE PRESIDENT
CITI N.A. BANK
07.2019 - 10.2022
- Responsible for SEC Quarterly Reports (10-Q), annual reports (10-K) and CBNA Annual Financial Fillings
- Coordinated and assisted in the gathering of information generated by other departments for the preparation of the SEC related filings and earning releases
- Assisted with month-end close and financial statement review
- Assisted external and internal auditors
- Supported FDL Restriction & WIP processes
- Responsible for Cash Flow, Goodwill & Intangibles, Guarantee, Investments, Short Term Borrowings, Principal Transactions, Commission and Fees, Credit Commitments and Deposit footnotes on quarterly/annually basis
- Took the lead in training new members on systems and processes
- Completed many projects: New Accounting Methods, Data Tracing and ICRM.
FINANCIAL ANALYST-CONTROLLER
M&T BANK
10.2018 - 06.2019
- Responsible for Human Resources Deferred Compensation accounting
- Responsible for Benefit Plan, Pensions & Post Retirement related accounting
- Medical Plans and Insurance Loss Accounting
- Participated in projects that include the development of financial accounting policies and procedures
- Prepared monthly financial reports, including month-end close process
- Prepared quarterly and annually financial reporting analysis
- Prepared account reconciliations, reports, and documentation used in reconciliation of financial statements
- Actively participate in interpreting and analyzing financial information and presenting results
- Worked closely with corporate reporting and General Ledger Accountants to support as the Controller
- Reported to auditors on accounting methods complied by the bank
- Maintained M&T internal control standards, including timely implementation of internal and external audit points together with any issues raised by external regulators as applicable.
COMMERCIAL DOC SPECIALIST
BANKING SERVICES, M&T BANK
02.2017 - 10.2018
- Prepared loan documents for all types of commercial loans
- Completed processing complex customer inquiries and resolved issues to prepare legal loan documents
- Worked with different systems, business, and product lines
- Followed company's risk and regulatory standards, policies, and controls in accordance
- Identified risk related issues needing more research or management attention
- Interpreted legal and bank documents for further actions.
CREDIT ANALYST
D.L. EVANS BANK
04.2016 - 09.2016
- Prepared Balance Sheets and Financial Statements for consumer and commercial loans
- Prepared risk analysis reports and projections
- Reviewed all credit and financial information, including reporting services, credit bureaus, and other companies
- Analyzed information statements and related materials
- Responsible for performing the analyses for the most complex businesses such as health care, real estate, and other specialized industries
- Prepared summary, presented facts, and provided recommendation regarding creditworthiness of client
- Participated in the structure of loan requests
- Developed and maintained financial background information on present and prospective customers
- Completed tax analysis for businesses and individuals
- Prepared loans/analysis/statements for Senior Committee for approval.
LOAN DOCUMENTATION SPECIALIST
D.L. EVANS BANK
08.2014 - 04.2016
- Prepared loan documents in accordance with policies and procedures
- Prepared Change in Terms Documents, SBA loans, FSA and USDA
- Detailed consumer loans
- Gained experience to work within a timeframe
- Provided good working relations with department personal and other employees of the bank.
TELLER
FIRST FEDERAL SAVINGS BANK
05.2013 - 08.2014
- Provided excellent customer service to all customers and participated in creating positive work environment
- Processed a variety of routine checking, savings deposits, and withdrawals
- Received and processed mortgage, consumer, and other loan payments
- Processed garnishments, cashier checks, money orders and bank checks
- Processed mail transactions and night deposit bags
- Balanced cash drawer at the end of every shift
- (100%)
- Completed vault works and balanced it.
Education
GRADUATED -
M.D. - BUSINESS ANALYTICS
UNIVERCITY OF BUFFALO
BUFFALO, New York05.2025
BACHELOR'S DEGREE - FINANCE/BUSINESS MANAGEMENT
BOISE STATE UNIVERCITY
Boise, Idaho12.2016
ASSOCIATES DEGREE - GENERAL - BUSINESS
COLLEGE OF SOUTHERN IDAHO
Twin Falls, Idaho05.2013
Accomplishments
· National Honor Society-Leadership and Scholarship.
· Member of Honors Program at College of Southern Idaho.
· Student Government at CSI-Freshman Student Body Senator.
· Executive member of Program Board.
· President and Vice-President- International Business Club at CSI.
Certification
NOTARY PUBLIC STATE OF NEW YORK
Registration No: 01UM0011739
Languages
Turkish
Full Professional
Russian
Full Professional
Timeline
SENIOR FINANCIAL REPORTING ANALYST
BREAD FINANCIAL INSTITUTION INC
10.2022 - Current
SENIOR FINANCIAL ANALYST/ASSISTANT VICE PRESIDENT
CITI N.A. BANK
07.2019 - 10.2022
FINANCIAL ANALYST-CONTROLLER
M&T BANK
10.2018 - 06.2019
COMMERCIAL DOC SPECIALIST
BANKING SERVICES, M&T BANK
02.2017 - 10.2018
CREDIT ANALYST
D.L. EVANS BANK
04.2016 - 09.2016
LOAN DOCUMENTATION SPECIALIST
D.L. EVANS BANK
08.2014 - 04.2016
TELLER
FIRST FEDERAL SAVINGS BANK
05.2013 - 08.2014
GRADUATED -
M.D. - BUSINESS ANALYTICS
UNIVERCITY OF BUFFALO
BACHELOR'S DEGREE - FINANCE/BUSINESS MANAGEMENT
BOISE STATE UNIVERCITY
ASSOCIATES DEGREE - GENERAL - BUSINESS
COLLEGE OF SOUTHERN IDAHO