Prem Anand

Finance Analyst (FP&A) | Wells Fargo

Financial Planning & Analysis Finance Analyst (FP&A) | Wells Fargo

• Supported enterprise-level FP&A activities, including annual budgeting, quarterly forecasting, and long-range planning to enable strategic decision-making.
• Built and enhanced driver-based financial models to forecast revenue, expenses, cash flow, and profitability.
• Delivered rolling forecasts and variance analysis (Actual vs Budget vs Forecast), identifying key performance drivers, risks, and opportunities.
• Partnered with Line of Business stakeholders to align financial plans with operational objectives and business initiatives.
• Prepared loan and deposit trend analyses, tracking day-over-day balance movements and highlighting key drivers impacting portfolio performance.
• Provided actionable insights and recommendations to leadership for cost optimization and performance improvement.
• Managed end-to-end month-end close, ensuring accuracy, completeness, and compliance with internal controls.
• Produced management reporting, MIS packs, KPI scorecards, and executive dashboards for senior leadership review.
• Automated recurring financial reports and supported process improvement initiatives, improving efficiency, consistency, and data reliability.

· Supported enterprise-level FP&A activities, including annual budgeting, quarterly forecasts, and long-range planning to enable strategic and operational decision-making.

· Developed and enhanced driver-based financial models to forecast revenue, expenses, cash flow, and profitability.

· Prepared rolling forecasts to improve forecast accuracy and support agile business planning.

· Conducted in-depth variance analysis(Actual vs Budget vs Forecast), identifying key drivers, risks, and opportunities impacting financial performance.

· Provided actionable insights and recommendations to business leaders to support cost optimization and performance improvement.

Business Partnering & Decision Support

· Acted as a finance business partner to Line of Business stakeholders, ensuring alignment between financial plans and operational objectives.

· Collaborated cross-functionally to evaluate business initiatives, efficiency programs, and investment decisions.

· Delivered executive-ready financial presentations summarizing trends, assumptions, and business implications for senior management.

Month-End Close & Reporting

· Managed end-to-end month-end close activities, ensuring data accuracy, completeness, and adherence to internal controls.

· Produced management reporting, MIS packs, and KPI scorecards for leadership review and performance tracking.

· Built and maintained executive dashboardsto provide timely visibility into financial performance.

Process Improvement & Transformation

· Automated recurring financial and management reports, improving efficiency, consistency, and data reliability.

· Supported end-to-end efficiency management initiatives in collaboration with Line of Business teams, driving process standardization and productivity improvements.

Systems & Tools

· Oracle

· Essbase

Financial Planning & Analysis (FP&A) – Key Responsibilities & Achievements

• Prepared and managed monthly, quarterly, and annual budgets and forecasts for Atos NAO customers in partnership with business operating managers.
• Collaborated with Sales Delivery Managers and Account Executives during forecast reviews and financial governance discussions.
• Delivered variance and bridge analysis (Actual vs Forecast, Actual vs Outlook, MoM) during revenue and project margin reviews with Financial Controllers.
• Developed and maintained Dashboards providing real-time financial health and performance visibility to project managers.
• Managed backlog reporting for external revenue customers, covering active contracts, signed WINS, and amendments.
• Ensured accurate customer invoicing and coordinated with P2P teams to resolve PO funding and processing issues.
• Executed month-end close activities, including journal entries, ensuring trend consistency and accurate financial reporting.
• Created and maintained WBS structures in the Nessie system with required approvals and governance compliance.
• Led P&L cleanup initiatives, resolving financial discrepancies and FIT charge issues, significantly improving reporting accuracy and enabling stronger margin focus and more profitable SOWs.

E2E Project Controller | Financial Planning & Analysis

• Created and managed SAP projects including Time & Material, Fixed Price, and Internal projects, with detailed Work Breakdown Structures (WBS).
• Analyzed Statements of Work (SOWs) and Purchase Orders (POs); created Sales Orders and billing requests in SAP.
• Performed project-level financial planning, forecasting revenue and costs for simple to complex engagements based on SOW and PO terms.
• Managed third-party procurement, including creation of purchase requisitions and purchase orders from vendors.
• Recorded project efforts and expenses and executed customer invoicing as per project type and contractual terms, including invoice cancellations and credit notes.
• Posted monthly accruals and deferrals (revenue and cost) to ensure accurate period recognition.
• Generated and distributed customer invoices from SAP, ensuring accuracy and timely billing.
• Delivered end-to-end project financial reporting, ensuring compliance, accuracy, and alignment with FP&A governance.

Mortgage Loan Validation Analyst | Banking Operations

Validated mortgage loan applications with 100% accuracy, ensuring compliance with product parameters and credit policies.

• Approved loans within delegated authority; referred exceptions to U.S.-based underwriters as required.
• Assessed loan eligibility based on DU and EDE findings, adhering to underwriting guidelines.
• Calculated and verified borrower income, assets, and repayment capacity to determine creditworthiness.
• Reviewed and validated income and asset documentation, including pay stubs, bank statements, W-2s, tax returns, and IRS transcripts (4506-T).
• Analyzed credit reports from TransUnion, Experian, and Equifax, identifying risks such as bankruptcy and adverse credit events.
• Utilized MLCS (Mortgage Lending Control System) and LTDB (Loan Tracking Database) for loan processing and tracking.