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Aaron Maharaj

@aaronmaharaj

Financial and Regulatory Analyst at the Ministry of Labour, Small and Micro Enterprise Development, applying CAMEL analysis to support supervisory decisions.

Trinidad and Tobago

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What I'm looking for

I’m interested in opportunities in Financial Analysis, Credit & Financial Risk, Prudential/Regulatory Risk, Compliance, and Regulatory Analytics, including remote and international roles.

At the Ministry of Labour, Small and Micro Enterprise Development, I analyze regulated co-operative societies using the CAMEL framework. My assessments cover capital adequacy, asset quality, earnings, liquidity, and overall financial condition to support regulatory decisions.

I review audited financial statements and multi-year trends, and assess investment applications, maximum liability limits, and other material transactions. I prepare technical analyses and recommendations for senior regulatory decision-makers.

I also support risk-based inspections and inquiries through off-site financial analysis and examination of financial records, policies, controls, and operational practices. In my current role, I have assigned responsibilities in the liquidation of a failed credit union.

Earlier, in the Ministry’s Enterprise Development Division, I researched policy and programmes for Trinidad and Tobago’s micro and small enterprise sector. My professional development includes credit union supervision, forensic auditing, data analytics, and AML/CFT training.

Experience

Work history, roles, and key accomplishments

Current

Investment Officer (Financial & Regulatory Analysis)

Current

Ministry of Labour, Small and Micro Enterprise Development

Apr 2024 - Present (2 years 6 months)

-Assigned to the Co-operative Development Division
-Conduct financial statement and multi-year trend analysis of regulated co-operative societies, assessing capital adequacy, asset quality, earnings, liquidity and overall financial condition using the CAMEL framework.
-Perform financial and risk assessments to support regulatory decisions on investment applications, maximum liability limits, prope

Research Aide/Investment Analyst Understudy

Ministry of Labour, Small and Micro Enterprise Development

Nov 2020 - Apr 2024 (3 years 5 months)

-Assigned to the Co-operative Development Division
-Supported and progressively undertook financial and regulatory analysis of credit unions and co-operative societies, including review of audited financial statements and calculation and interpretation of CAMEL ratios.
-Assessed institutional financial condition, investment capacity and risk to support regulatory review of investment and other fin

Research Assistant (Policy Analysis)

Ministry of Labour, Small and Micro Enterprise Development

Oct 2019 - Nov 2020 (1 year 1 month)

-Assigned to the Enterprise Development Division.
-Conducted economic and policy research on Trinidad & Tobago's micro and small enterprise (MSE) sector to support policy development and programme evaluation.
-Analyzed government policies and enterprise-development programmes, identifying gaps and recommending areas for greater emphasis across financing, market access, business support, governan

Early Career Experience (Banking, Finance, Operations & Technical Roles)

Various Companies

Mar 2010 - Sep 2019 (9 years 6 months)

Earlier career experience spanning financial services, commercial credit, insurance, project/operations management and industrial technical environments;
-Worked as a Commercial Credit Officer/Management Trainee, supporting commercial lending applications, reviewing corporate documentation and financial statements, and conducting basic ratio analysis to assess creditworthiness.
-Previous financia

Officer Cadet

Trinidad and Tobago Regiment

Sep 2009 - Feb 2010 (5 months)

Undertook military and officer-cadet training in preparation for commissioned leadership responsibilities, including basic military training, tactics, navigation, drill and field skills.