Ashkhen Grigoryan Cpa, Cga, Mba Email & Phone Number

Toronto, Ontario, Canada

Toronto, Canada Area

• Prepared and submitted Regulatory reports to OSFI and Bank of Canada including M4 (Balance Sheet), L4 (Average return on assets and liabilities), P3 (Income Statement), K3 (Supplementary Return for Foreign Bank Branches), A2 (Non-mortgage Loans), R2 (Regional Distribution of Assets and Liabilities), GQ (Geographic Assets and Liabilities Booked in Canada), BH (Standardized Institutions Credit Monitoring Data Call),• Prepared daily, monthly, quarterly Management and Head Office reports with specific focus on more complex products such as derivatives, prepared quarterly BIS reports,• Enhanced the quality and efficiency of Regulatory reporting by streamlining and improving working papers, eliminated source data limitations and errors by critical assessment and introducing new build-in controls and checking mechanisms in report preparation procedures,• Prepared Journal entries for IFRS 16 Leases, Hedge Accounting, Tax provisioning and other manual adjustments for month-end close in Oracle GL for IFRS and JGAAP ledgers,• Performed daily GL, banking subsystems and cash reconciliations, investigated, escalated and addressed system breaks and any areas of concern.

Toronto, Canada Area

• Coordinated new credit deal closings, working under tight deadlines with large syndicated credit deals in project finance, oil and gas, utilities, mining, finance and other industries,• Verified credit terms in Credit Applications vs. Credit Agreements, coordinated clean-up items with other credit support teams to ensure compliance with bank policies,• Reviewed complex legal clauses of Credit Agreements, prepared input templates and set up new credit deals in Loan IQ system, ensuring accurate reflection of credit terms in banking systems,• Prepared Term Sheets and monitored financial and reporting covenant compliance of syndicated customers,• Serviced the assigned bilateral customer portfolio, including daily loan transaction processing and handling of direct customer enquiries,• Reconciled Standby and Letter of Credit fee payments from Agent Banks, investigated and corrected discrepancies,• Tested Loan IQ system functionalities for new features and non-routine complex transactions.

Toronto, Canada Area

• Structured complex up to CAD$ 100 million Corporate Banking deals for sole and non-agent syndicated credit facilities,• Read through and interpreted complex legal clauses in English and French Credit agreements for Diversified Industries, Automobile Finance, Real Estate Financing and other deals,• Set-up credit risk monitoring system, such as financial covenants, borrowing base and margin requirement based on Credit agreements and working files of Credit Analysts,• Contributed to the successful conversion of BMO Corporate banking deals to the new Loan IQ credit operational system.

Yerevan, Armenia

- Significantly increased customer satisfaction and retention rates through relationship-focused management of over 100 corporate customers’ portfolio, professional interaction with client senior executives and high quality service- Measured, monitored and controlled portfolio risk by analyzing customer industry trends, financial performance, key ratio analysis and profitability,- Prepared management reports including budgets, product profitability reports, variance analysis, trend analysis using MS Excel advance data analysis tools,- Facilitated faster decision making for Senior Management providing report commentary, highlighted risks and opportunities underlying financial data,- Conducted KYC due diligence for corporate customer’s portfolio, analyzed financial statements, recommended customer exit strategies for high risk customer.

Yerevan, Armenia

- Compiled Balance Sheet, P&L, Cash flow reconciliation and other reports using MS Excel - macros, pivot tables, advanced formulas,- Prepared monthly journal entries for accruals and adjustments, analyzed financial accounts, prepared account reconciliations for IFRS and local GAAP reports,- Worked cross functionally to prepare the Bank’s Strategic Plan consolidating inputs from various departments, explaining bank’s past performance and future strategy,- Ensured error-free and timely reporting by supervising external regulatory reporting process,- Provided support to finance projects of regulatory report automation.

Yerevan, Armenia

- Managed a portfolio of credit customers in construction and real estate finance sectors, prepared credit assessment and lending summary reports, monitored insurance, security and other draw-down documents logs,- Developed new credit lending guidelines to facilitate faster approval process for small commercial loans while preserving sound credit risk assessment,- Developed and successfully launched 7 major product propositions and system enhancements resulting in significant cost savings and increased profitability for Bank,- Generated additional $35K non-fund income and reduced branch cost allocation on departmental P&L by setting-up incentive plan to move customer transactions from branches to direct channels,- Recommended product pricing decisions, monitored product profitability analyzing historical data with MS Excel reporting and data analysis features,- Enhanced risk awareness and compliance culture at Commercial Banking team by guiding internal audit and controls review, performing risk assessments on key business activities, highlighting, shortcomings, making recommendations for procedural changes,- Visited HSBC Georgia to guide their internal audit preparation as result of successful completion of internal audit project at HSBC Armenia.

Prague, Czech Republic - Birmingham, Uk

- Joined HSBC plc in UK and Czech Republic in extensive training and development program after being selected among many internal and external candidates,- Completed comprehensive training of credit products and Moody’s credit risk assessment methodology through in-class learning and daily placements in commercial center and bad debt recovery units,- Assisted project managers at Regional Head Office of the Bank in project implementation, project budgeting and resource planning,- Project managed IT platform transfer project from Czech to Poland business resulting in significant process optimization and cost savings,- Studied lending applications - general template structure and past cases, assisted commercial managers in their daily tasks, conducted customer visits.

Yerevan, Armenia

- Conducted credit risk assessment for lending applications focusing on financial performance, future cash-flows, trade cycle and capital expenditure plans,- Performed Balance Sheet, P&L and cash flow analysis to determine creditworthiness of clients,- Performed credit checks on credit applicants using external sources,- Calculated return on risk weighted assets to determined optimal interest rates using MS Excel data analysis tools,- Organized customer files, monitored insurance, security and other pending documents logs,- Prepared lending commentary reports and submitted prospective credit applications for approval.

Master Of Business Administration (Mba), Accounting And Finance

Bachelor Of Engineering (B.E.)