Experienced and detail-oriented Financial Analyst specializing in federal budget formulation, grant management, compliance, financial reporting, and expense management. Skilled in managing complex financial systems, ensuring compliance with federal regulations, and optimizing resource allocation. Proven track record of overseeing Pcard expenses, direct vouchers, and travel & training expenses, driving efficiency, accuracy, and cost-saving initiatives. Adept at utilizing ERP systems to provide accurate financial insights and support data-driven decision-making. Seeking to leverage expertise in financial operations to support the mission-critical goals of a federal agency.
Overview
6
6
years of professional experience
Work History
Financial Analyst
District of Columbia (Office of Attorney General)
11.2023 - Current
Lead budget formulation and execution for multiple agency programs, ensuring alignment with federal and district priorities and legislation. Develop and monitor multi-year budget projections and annual budgets to ensure financial resources are appropriately allocated.
Oversee Pcard expense management for agency personnel, ensuring compliance with district financial policies and best practices. Implement cost-control measures to reduce non-essential spending while ensuring compliance with internal policies and regulatory guidelines.
Manage direct voucher processing for various programs, including verifying, tracking, and ensuring the accuracy of payments. Conduct detailed reviews of invoices and vouchers, ensuring they align with budgeted amounts and meet the required compliance standards.
Administer travel and training expenses, ensuring proper approval and documentation while adhering to federal and district travel regulations. Process and track travel reimbursements and training costs to ensure accurate accounting and efficient use of resources.
Utilize DIFS ERP for monthly variance analysis, budget forecasting, and comprehensive financial reporting. Provide senior management with timely, data-driven insights to guide decision-making and program execution.
Oversee compliance for federal and district grants, ensuring all grants are administered according to regulatory guidelines. Track, allocate, and report expenditures to meet 100% compliance with all deadlines.
Conduct cost-benefit analysis to optimize financial processes and identify inefficiencies across operational areas, leading to a 15% reduction in costs while maintaining program effectiveness.
Prepare for audits by maintaining comprehensive documentation and financial records, ensuring alignment with GAAP and other regulatory standards. Successfully maintain a 0% audit discrepancy rate.
Loan officer
CMS mortgage
04.2023 - 10.2023
Interview applicants to define financial eligibility and establish debt payment plans
Monitor and update account records
Submit loan applications in a timely manner
Prepare detailed loan proposals
Reject loan applications and explain deficiencies to applicants
Respond to applicants' questions and resolve any loan-related issues
Operate in compliance with laws and regulations
Loan officer
Prmg
06.2022 - 03.2023
Collect and organize client's financial information
Assess client creditworthiness
Assess client eligibility for obtaining a mortgage loan
Connect with clients
Guide clients through appropriate mortgage loan options
Prepare and submit client mortgage loan applications
Guarantee you're abiding by national and local financial rules
Collaborating with management to gather and analyze financial information
Using oracle based softwares (ERP,ERM) to create reports
Preparing financial plans and developing financial models
Evaluating cost structures and revenue streams
Researching and analyzing business trends and preparing financial forecasts
Preparing budget reports and financial statements in accordance with professional and regulatory standards
Performing risk modeling and quantifying results to advise strategic business decisions
Recommending solutions to reduce expenses, increase revenue, and maximize efficiency
Monitoring the implementation of financial plans, performing risk assessments, and making adjustments as needed
Documenting financial processes and presenting progress reports
Keeping informed of regulatory requirements and best practices in financial management
Loan officer
Simple mortgage
11.2021 - 05.2022
Evaluating credit worthiness by processing loan applications and documentation within specified limits
Interviewing applicants to determine financial eligibility and feasibility of granting loans
Determining all applicable ratios and metrics and set up debt payment plans
Relationship Banker
Bank Of America
09.2020 - 10.2021
Delivered comprehensive financial services and guidance to clients, improving customer retention by 20%.
Facilitated digital banking adoption by 15%, boosting customer engagement and operational efficiency.
Provided financial planning services and built strong relationships with clients.
Maintained up-to-date knowledge of banking products and industry trends to provide expert advice to clients effectively.
Assisted customers in achieving financial goals by recommending suitable products and services based on their needs.
Expanded client base through effective networking and referral generation, leading to increased business opportunities.
Accounting And Financial Analyst
Embassy Of India
11.2018 - 09.2020
Renowned for delivering unparalleled customer engagement and service, empowering customers to execute seamless transactions using self-service technologies, such as mobile banking, wire transfers, and zelle transfers
Demonstrated a keen understanding of customers' financial goals, offering personalized, data-driven recommendations on products, services, and solutions that resulted in a 20% increase in cross-selling and customer retention
Exhibited extraordinary relationship-building skills, achieving a remarkable 150% of sales targets and earning the Top Relationship Banker award for two consecutive quarters
Led and orchestrated a range of sales and product knowledge sessions, embodying the company's commitment to unmatched customer service while addressing intricate business needs
Provided invaluable support to the Chief Accountant, presenting monthly management presentations, reports, forecasts, and analysis that served as the foundation for critical financial decisions, directly influencing strategic investments resulting in a 25% growth in revenue
Demonstrated an unparalleled grasp of preparing meticulous budget and forecast analysis, making a tangible impact on the executive team's strategic financial planning and enabling the organization to achieve 100% compliance with financial targets
Conducted rigorous churn metrics and general ledger variance analysis, generating comprehensive reports that elevated data-driven decision-making to an art form, reducing operational costs by $Z million annually
Displayed unparalleled attention to detail in reconciling balance sheets, ensuring precise and accurate recording of transactions adhering to GAAP and Central Government Policy (India)
Showcased exemplary organizational skills in meticulously maintaining the fixed asset register, expertly monitoring and tracking capital purchases to enable timely asset capitalization, acquisitions, and disposals
Proactively ensured contract compliance with regulatory requirements and quality assurance, laying the groundwork for exceptional vendor communication, resulting in an average vendor response time improvement of 30%
Education
Masters Of Business Adm Inistration - MBA
University Of Baltimore
Baltimore, MD
05.2024
Bachelor Of Business Adm Inistration - Bba In Finance
Pune University
Pune, MH
12.2015
Skills
ERP Systems: DIFS, Oracle ERP/ERM
Financial Analysis Tools: QuickBooks, Microsoft Excel, Financial Modeling, Budget Analysis
Compliance & Standards: GAAP, Federal Grant Management, Regulatory Compliance
Additional Skills: Grant Management, Pcard Expense Management, Direct Voucher Processing, Travel & Training Expense Management, Data Interpretation, Trend Analysis, Forecasting, Internal Controls, Reporting