Tamiru Girmiso
Ellicott City,MD
Summary
Detail-driven Budget Analyst with 7 years of dedicated corporate financial portfolio management. Regularly assisted with analysis and monitoring of corporate budgets to improve annual spending and client satisfaction. Feels strongly about boosting investment efficiency and monitoring techniques to minimize corporate debt. Financially-minded Budget Analyst with 7 years of assisting companies with analysis and improvement of overall spending patterns. Additional expertise includes financial monitoring management and reporting to corporate management on budgetary trends.
Overview
19
19
years of professional experience
1
1
Certification
Work History
Budget Analyst
Wells Fargo & Company
08.2018 - Current
- Facilitated cross-department communication to ensure consistent understanding of budgetary goals and constraints.
- Generated annual budget forecasting information for executive and corporate reports.
- Developed comprehensive financial models to guide strategic planning efforts and achieve desired outcomes.
- Evaluated project proposals for potential risks, ensuring alignment with corporate objectives and long-term sustainability.
- Enhanced company profitability, implementing cost-saving measures across multiple departments.
- Assisted in the preparation of annual budgets, working closely with department heads to gather necessary information.
- Identified and monitored budget expenses for accuracy and signs of fraud.
- Evaluated procurement needs and projected expenditures.
- Implemented budgetary monitoring techniques to improve corporate spending habits.
- Implemented process improvements that streamlined workflows and reduced the time required for monthly budget reconciliations.
- Conducted variance analyses to identify potential areas for improvement in existing budgeting practices.
- Consolidated budgetary models for company efficiency creating 13% growth in annual corporate profit.
- Developed, analyzed and modified budgets to allocate current resources and estimate future financial requirements.
- Submitted recommendations to budgets and forecasts for approval or disapproval.
- Participated in special projects as needed, providing valuable insights based on extensive knowledge of company finances.
- Supported executive decision-making by providing accurate financial forecasts and recommendations.
- Monitored expenditure trends, proactively addressing issues before they escalated into significant problems.
Financial Analyst
Toyota Financial Services
03.2015 - 08.2018
- Supported executive decision-making by providing data-driven insights on revenue trends and cost drivers.
- Conducted detailed financial analysis to identify and evaluate changes in operations, trends and potential areas of improvement.
- Streamlined financial reporting for better decision-making with clear, concise analysis and presentation.
- Enhanced forecasting accuracy through the development of sophisticated financial models and tools.
- Facilitated smooth month-end close processes by efficiently reconciling accounts and addressing discrepancies promptly.
- Collaborated to develop and maintain targeted profit plans to sustain growth.
- Performed complex financial and budget analyses to determine requirements and justify requested funding.
- Evaluated financial performance of investments, acquisitions and other business opportunities to provide strategic recommendations.
- Developed and implemented financial models to analyze complex information and assess health of organization.
- Initiated process improvements that increased the efficiency of budgeting cycles while maintaining accuracy standards.
- Managed corporate watch lists and insurance files.
Junior Business Analyst
Bank Of America
01.2010 - 03.2015
- Boosted customer satisfaction levels with thorough analysis of client feedback and timely resolution of issues.
- Established strong relationships with key stakeholders, fostering a collaborative environment conducive to achieving shared goals.
- Created and managed operational databases to store and track data and maintain accurate information.
- Conducted data analysis to identify opportunities for streamlining client operations and improving customer satisfaction.
- Managed multiple projects simultaneously, delivering results within tight deadlines while maintaining high-quality standards.
- Worked with engineers and technical staff to recommend hardware and software adjustments and resolve design flaws.
- Developed performance metrics to evaluate operations effectiveness, enabling continuous improvement initiatives.
- Maintained a keen awareness of industry trends and developments, allowing for proactive adaptation of operational strategies accordingly.
- Developed and updated tracking spreadsheets using excel Programs].
- Performed validation and testing of models to promote adequacy and reformulate models as necessary.
- Formulated mathematical or simulation models of problems, relating constants, and variables, conflicting objectives and related numerical parameters.
- Created custom reports and visualizations to support decision-making processes.
Mortgage Banker
BB&T
09.2005 - 01.2010
- Evaluated client financial positions and identified most appropriate banking products.
- Worked with underwriters to fix application problems and resolve issues.
- Assisted clients in understanding the mortgage process, addressing concerns, and making informed decisions.
- Reviewed loan agreements to ensure they were complete and accurate before closing transactions.
- Proactively identified opportunities for cross-selling additional products or services to existing clients.
- Participated in ongoing training programs to stay up-to-date on industry developments and enhance professional growth.
- Delivered prompt communication with all parties involved in transactions, fostering strong professional relationships.
- Managed a large pipeline of loans efficiently, prioritizing tasks based on deadlines and client needs.
- Collaborated with underwriters to resolve complex loan scenarios, resulting in successful funding of loans.
- Exceeded sales goals consistently by developing strong relationships with clients and realtors.
- Negotiated competitive terms with lenders on behalf of clients, securing favorable interest rates and loan structures.
- Maintained compliance with federal and state regulations throughout the loan origination process.
- Developed and maintained relationships with customers, lenders and other third parties.
- Assisted clients with improving financial health by counseling on issues such as excessive spending and borrowing.
- Created strategies to develop and expand existing customer sales, resulting in increase in annual sales.
Education
Bachelor of Science - Accounting And Finance
University of Maryland - Baltimore
Baltimore, MD12.2021
Skills
- Preparing budgets
- Accounting assistance
- Developing solutions
- Budget Compliance
- Microsoft Excel proficiency
- Monthly Reporting
- Invoice Processing
- Expense Monitoring
- Budget Planning
- Report Writing
- Report Preparation
- Accounting Principles
- Data Interpretation
- Statistical Analysis
- Compiling Data
- GAAP understanding
- Budget Forecasting
- Cost Evaluation
Affiliations
- Beta Alpha Psi
Certification
Chartered Financial Analyst (CFA®)
Certified Management Accountant (CMA)
Languages
English
Native or Bilingual
Arabic
Full Professional
Timeline
Budget Analyst
Wells Fargo & Company
08.2018 - Current
Financial Analyst
Toyota Financial Services
03.2015 - 08.2018
Junior Business Analyst
Bank Of America
01.2010 - 03.2015
Mortgage Banker
BB&T
09.2005 - 01.2010
Bachelor of Science - Accounting And Finance
University of Maryland - Baltimore
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