Clifford Dias
Bangalore
Summary
Highly-motivated employee with desire to take on new challenges. Strong work ethic, adaptability, and exceptional interpersonal skills. Adept at working effectively unsupervised and quickly mastering new skills.
Overview
3
3
years of professional experience
1
1
Certification
Work History
Associate Financial Analyst
Wells Fargo
Bangalore
02.2023 - Current
- Handled the most complex and sensitive accounts.
- Processing the task assigned on daily/monthly basis and ensuring all the loans /Task/Transaction are completed with 100% accuracy and to meet SLA.
- while maintaining AHT and completing the maximum number of daily/monthly assigned targets with 90-100% of efficiency as per the SOP while complying with organizational policy.
- Analyzed financial statements to understand the valuation techniques, financial position, liquidity, net worth of the clients.
- Analyzed Income Statement and Balance Sheet and profit and loss account to evaluate the
financial position of the borrowers and ensured that they have maintained the covenants like
Reserves, Taxes, monthly Installment, regular payments Etc. - Analyzed the movement of credit rating by Moody, S&P and Fitch for securitized loans.
- Accountable for managing client Assets Reports Such as Balance sheet, operating Statement, Star Reports, P & L accounts, Rent Rolls & Cash flow statement
- Making Sure that Clients Financials are UpToDate and reviewing them in QTR, SA, AN basis, & Escalating Triggers if Required.
- Handling the Client Emails and Providing Necessary timely information & Resolving their Queries.
- Analyzing client’s property inspection Report and Checking Tenants Bankruptcy, Tenant
occupancy, Credit Ratings. - Managing the daily operation of the team by ensuring timely and accurate processing of requests by effective work allocation.
- Assisting clients on their financial planning and analyzing client’s financial position and providing financial report as per their requirement.
Relationship Manager
ICICI Bank
Bangalore
06.2021 - 11.2021
- Developing relationship with new and existing customer.
- Sales of banks product.
- Client Servicing.
Education
MBA - Finance & Marketing
St. Aloysius College (Autonomous)
Mangalore10-2021
B.com - Commerce
SGS Degree College
Bhatkal05-2019
Skills
- MS excel, MS word, MS PowerPoint
- Undergone 3 months of course in MS excel
- SPSS data analysis
- Proficient in CS Strategy, TA, PM, Report central
- communication, meeting deadlines, team work, friendly
Certification
- Starting a business as an entrepreneur, From Santa clara university (09/12/2019 -12/02/2020)
- Global Impact on business ethics, From Coursera (10/12/2020 -13/03/2021)
- Investment analysis and portfolio management (19/04/2021 -12/07/2021)
- Completed 3 months Internship in CB & CIB Under Iprimed Education.
Languages
English
First Language
Kannada
Proficient (C2)
C2
Hindi
Proficient (C2)
C2
Konkani
Proficient (C2)
C2
Affiliations
- Finance Intern At " Poornachandra Cashew Pvt Ltd (March 2021 - April 2021)
- Participated in Rural exposure organized by college
- Completed courses like Integrated management lab, Personal financial planning, Entrepreneurship development
- Participated and conducted Gavel Clubs.
- Conducting Fun events for the team.
Personal Details
- Gender : Male
- Date of Birth : 16/04/1998
- Nationality : Indian
- Present Address : Annapoorneshwari Residency, DB Halli, Road, Adarsh Palm Retreat, Bellandur, Bengaluru, Karnataka 560103
Declaration
I hereby declare that the above mentioned information is true to the best of my knowledge and belief.
Timeline
Associate Financial Analyst
Wells Fargo
02.2023 - Current
Relationship Manager
ICICI Bank
06.2021 - 11.2021
MBA - Finance & Marketing
St. Aloysius College (Autonomous)
B.com - Commerce
SGS Degree College
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