Sarina Narikoso

42 Coral Ridge Drive
Suva, Fiji
+679 331 4827 | sarina.narikoso@email.com
linkedin.com/in/sarina-narikoso


PROFESSIONAL SUMMARY

Results-driven Senior Financial Analyst with over 8 years of progressive experience in capital markets, credit analysis, and risk management. Proven track record of delivering comprehensive financial insights, managing complex consolidation processes, and supporting strategic decision-making through rigorous quantitative research. Expertise in underwriting, loan servicing, and regulatory compliance across diverse financial products and market segments.


PROFESSIONAL EXPERIENCE

Senior Financial Analyst
Pacific Capital Solutions, Suva
March 2021 – Present

• Lead financial analysis and modeling for capital markets transactions exceeding $500M annually, providing critical insights for investment decisions and risk assessment
• Manage consolidation of financial statements across multiple business units, ensuring accuracy and compliance with regulatory standards
• Conduct comprehensive credit analysis and underwriting reviews for corporate and commercial loan portfolios, reducing default risk by 18%
• Develop and implement risk management frameworks to identify, measure, and mitigate financial exposures across trading and lending operations
• Collaborate with cross-functional teams including tax, legal, and documentation specialists to structure complex financial transactions
• Prepare detailed research reports and presentations for senior management on market trends, credit quality, and portfolio performance
• Oversee loan servicing operations and settlement processes, ensuring timely execution and adherence to contractual obligations

Financial Analyst
Oceania Financial Group, Nadi
June 2018 – February 2021

• Performed detailed financial modeling and analysis supporting credit decisions for commercial lending portfolio valued at $300M
• Assisted in the underwriting process for new loan originations, evaluating borrower creditworthiness and collateral adequacy
• Prepared monthly and quarterly financial reports for management, highlighting key performance indicators and risk metrics
• Conducted research on industry trends and competitive landscape to inform credit policy and pricing strategies
• Supported documentation review process for loan agreements, deeds, and security instruments
• Collaborated with risk management team to monitor portfolio performance and identify emerging credit concerns
• Contributed to the implementation of new financial systems improving reporting efficiency by 25%

Associate Financial Analyst
Fiji Investment Bank, Suva
August 2016 – May 2018

• Analyzed financial statements and credit reports for small to mid-sized commercial borrowers
• Assisted senior analysts in preparing credit memos and loan presentations for approval committees
• Maintained financial databases and tracking systems for loan servicing and portfolio monitoring
• Supported month-end close processes including account reconciliation and variance analysis
• Participated in cross-training initiatives covering insurance products, tax considerations, and regulatory compliance
• Developed proficiency in financial modeling tools and credit analysis methodologies


EDUCATION

Master of Business Administration (MBA), Finance Concentration
University of the South Pacific, Suva
Graduated: May 2016

Bachelor of Science in Finance
Fiji National University, Suva
Graduated: May 2014


SKILLS

Financial Analysis & Modeling: Advanced proficiency in financial statement analysis, valuation, forecasting, and scenario modeling
Capital Markets: Deep understanding of debt and equity markets, securities trading, and market dynamics
Credit & Underwriting: Expertise in credit risk assessment, loan structuring, underwriting standards, and covenant analysis
Risk Management: Comprehensive knowledge of market risk, credit risk, operational risk, and regulatory compliance
Consolidation & Reporting: Experience with financial consolidation, GAAP/IFRS standards, and management reporting
Documentation & Legal: Familiarity with loan documentation, deeds, security agreements, and legal frameworks
Loan Servicing & Settlement: Knowledge of servicing operations, payment processing, and transaction settlement
Tax & Insurance: Understanding of tax implications in financial transactions and insurance product structures
Research & Analytics: Strong quantitative research skills with ability to synthesize complex data into actionable insights
Management & Leadership: Proven ability to lead projects, mentor junior analysts, and collaborate across functions


CERTIFICATIONS

Chartered Financial Analyst (CFA) Level II Candidate
Financial Risk Manager (FRM) Certification – Expected 2025


TECHNICAL PROFICIENCIES

Bloomberg Terminal, FactSet, Moody's Analytics, Microsoft Excel (Advanced), SQL, Tableau, SAP, Oracle Financial Services


PROFESSIONAL AFFILIATIONS

Member, CFA Institute
Member, Global Association of Risk Professionals (GARP)