Financial Analyst
TD Bank
Total years of experience :15 years, 8 Months
Responsible for providing a broad range of analytical, advanced finance processing, financial and regulatory reporting support and general accounting expertise, including.
Reporting to US FED for Capital, Stress Testing, Treasury, ALM and Other Credit Exposures etc.
Provide financial analysis, advanced general accounting or related operational support
Provide support to business partners and contribute to the achievement of performance objectives
Analyze financial performance against benchmarks and reconcile variances, research and explain findings
Act as a key Finance Support specialist for providing technical subject matter expertise
Act as coordinator for bringing in appropriate partners on key operational issues and initiatives
Provide accurate and thorough analysis of key process drivers, root or systemic causes of cross-functional operational issues, interpret findings and make recommendations for improvement
Develop and execute on reporting functions and produce consolidated reporting
Manage relationships with customers and other areas of TD Finance
Responsible for overall capital planning and management process of the Bank and Group, including.
Preparation and submission of Quarterly, Annual Capital Adequacy Ratio (CAR) and Pillar 3 disclosures for the Bank and Group.
Preparation of detailed capital plans for pro-active management of capital for Bank and Group.
Capital and RWA advisory to business lines for existing and potential business opportunities.
Assist Risk Management in preparation of the ICAAP & Recovery Plan of the Bank.
Focal point from Finance for issuance process of loss absorbing AT-1 capital instruments with CIBG.
Liaison with credit rating agencies for a rating of the entity and debt instruments.
Risk reporting of exposures based on business segments, overseas locations, and asset returns.
Interpretation of existing and prospective regulations, new developments, impacting regulatory capital and accounting treatment on the Bank and Group Capital position.
Implementation of Risk Based Pricing & Economic Capital methodologies, RAROC & RORAC for optimization of Capital Adequacy Ratio.
Periodic impact analysis and reporting of IFRS-9 on Capital of Bank and Group.
Peer Group analysis for benchmarking and best practices.
Preparation and Review of Capital Management policies and process manuals of Bank and Group.
Functional lead of development and implementation project of in-house automated CAR calculator.
Additionally responsible for the calculation of Liquidity Ratios (LCR & NSFR), Related Party reporting for Financial Statements, BODs, SBP and Group, and Oversight & Control of Strategic Investments.
Monthly, Quarterly and Annual calculationof the Capital Adequacy Ratio (CAR) of the Bank.
Calculation of Capital Adequacy Ratio of Islamic Banking division of the Bank.
Preparation and submission of Quarterly and Annual Capital adequacy Returns to State Bank of Pakistan.
Preparation and submission of Quarterly and Annual Stress Testing Returns to State Bank of Pakistan.
Preparation and submission of ICAAP to the Board of Directors
Ensure Compliance with Central Banks instruction w.r.t MCR & CAR
Computation of VaR of equity portfolio of investments of the Bank.
Data Cleansing and Management of monthly data sent from branches.
Liaison with internal, external and SBP auditors.
Departmental administration tasks, such as Fixed Assets reconciliations and stationery requisitions.
Management and Reconciliations of Advances, Investments and foreign balances for the calculation of CAR.
Various Bank and Sector related analysis of CAR
Various analysis and CAR related tasks, as assigned by the supervisor
Confirmed in the Costing & Project Controlling department (Finance) as Senior Officer reporting to the head of the department, where my major responsibilities are;
Routine accounting of regular Orders and Projects
To carry out quarterly audits of the Projects having huge sums value i.e. Proctor & Gamble PKR 165 Mn, KESC 70 Mn, CAA 40Mn etc.
Supervision of the quarterly audit of raw material inventory
Supervising quarterly internal audits for the WIP
Analysis of Actual Cost Status with Estimated Status and Financial Control of Projects
To submit the monthly variance analysis of Orders / Projects
Prepare the analysis of Labor Expense
To record and maintain Management Accounting System
Recording of Sales Tax invoices for all the purchases
Preparation of Sales Tax Invoices
I was appointed in the Accounts & Finance section as an Internee reporting to the head of the department, I was part of the team of the working capital management which includes;
Payables
Treasury
Receivables
Preparation of monthly cost sheets of generator sets exported to Afghanistan.
Internal Audit Team Member
Expenses analysis
Profitability Analysis
Executive MBA in Banking and Financial Services
Fellow member of ACCA
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