Key Strengths



  • Enthusiastic, passionate, and self-driven

  • Natural hands-on leader in seeing through implementation to achieving end goal

  • Reliable and strong ability to resolve complex problems

  • Exceptional relationship-building skills and resource optimization skills

  • Outstanding ability to learn new software applications quickly

  • Ability to ask the right questions to best assess any situation

  • Confident decision maker under stress and other environments

  • Exceptionally knowledgeable and goal-oriented Mortgage Analyst with huge experience

  • Multi-lingual- Fluent in English, Russian, Turkish, Uzbek, Persian, Azerbaijan and Tajik



International Relations


  • Managed currency exchange rates for the Ministry of Finance of the Republic of Uzbekistan

  • Direct liaison as a government official with international financial institutions such as the International Monetary Fund, World Bank, and European Bank Reconstruction Development, etc.

  • Contributed to establishing the first tax policy guidelines in the public and private sectors

  • Selected by the Prime Minister to attend tax code training in the USA sponsored by the US Internal Revenue Service and the USAID

  • Led projects to analyze business plans and creditworthiness of enterprises  and governmental bodies seeking to secure loans from international financial institutions including IMF (USA), Citi Bank (USA), Chase Bank (USA), Morgan Stanley (USA), Asian Development Bank (ADB, Philippines), Société Générale S.A. (France), European Bank for Reconstruction and Development (EBRD, UK), Japan Bank for International Cooperation (JBIC, Japan) and other financial institutions

  • Advised and provided expertise in strategic planning of allocation of domestic and foreign investment projects

  • Analyzed financial history for various companies such as OSF (Open Society Foundations), Quinn Emanuel Urquhart & Sullivan, LLP



Finance & Economics


  • Advised clients on calculation and accrual of all company costs, taxes and other state charges, correct calculation, payment to the state budget, minimize the costs and increase revenue/profit, product export & import operations, credit analysis, tax planning, currency exchange, and risk management

  • Advised hundreds of companies on increasing revenue, cost efficient tactics and implemented financial policies to maintain business budget

  • Assisted 100% of all clients in increasing revenue by an average of 100% in the first year

  • In-depth analysis of the correct implementation of the financial and economic resources of the company

  • Analyzed and critical examination of financial records and books of accounts

  • Prepared comprehensive and complex financial statements and tax return

  • Analyzed the collateral mix, credit risk, profitability and performance of organization's mortgage products

  • Performed analysis to support mortgage product in making credit and pricing decisions



Core Competencies


  • Banking • Compliance • Business Development • Financial Management • Strategic Planning • Client Services Staff Recruitment & Management • Territory Management • Operations Management • Financial Planning Team Leadership/Motivation • Employee Training/Development • Business & Financial Management • Sales Management • Staff Supervision • Market Share Penetration • P&L • Key Account Management • Contract Negotiations • Strategic Planning • Training Initiatives • Policies & Procedures • Recruitment





  • Maintained 100% employee satisfaction in sustaining company morale by open door policy

  • Supervised entire financial and economics departments of  2,200 employees with over 50 specialists

  • Advised Governor of the City of Samarkand, Uzbekistan

  • Hands-on leader with rich experience leading teams to success in financial management, and banking functions for multinational financial institutions and corporations with national and global presence

  • Managed healthcare, pharmaceutical, construction, education, and tourism projects funded in the amount of 5 million USD to 150 million USD

  • Led thousands of teams in accomplishing various goals dealing with productivity, self-sufficiency, and efficiency

  • Valued leader with innovative ideas and strategies, dedicated to meeting goals and exceeding expectations

  • Recruited, interviewed, trained, and/go let go hundreds of employees



Teaching & Education


  • Remarkable ability to work with and motivate college/university students

  • lectured in auditoriums of 500+ students 

  • Planned, evaluated, and revised curricula, content and methods of instruction

  • Prepare course materials such as homework assignments and handouts

  • Maintained student attendance records, grades, and other required records

  • Demonstrated the proper use of the discussion board and forums

  • Held Q&A conferences for government officials and citizens quarterly





  • The Voice of America (VOA), the official external broadcast institution of the US federal government, “Financial and Economic situation of Uzbekistan” (2015)

  • BBC News - “Inflation of Uzbek Economy” (2014)

  • Radio Freedom  - “Projection of Economic Situation of Uzbekistan” (2014)

  • Google.com - “Uzbek Currency Exchange Rates” (2014)

  • Uznews.net - “How The Presidential Family of Uzbekistan is Making Money Illegally” (2014)

  • Uznews.net -  “The U.S Dollar Should Cost 4,000 soms & Inflation is 20%”  (2013)



Career History


August 2014-Current             Hovik M. Khaloian CPA, Glendale CA, USA  

                                                  Chief of Internal Service Department

June 2004 – Current               Financial Economic analyst, advisor

                                                  Independent Expert for the Post-Soviet Unio Countries

March 2002 - June 2004        Director of Finance for Economic Development, Department of Treasury, Tashkent


March 1994 - March 2002    Ministry of Finance of the Republic of Uzbekistan

                                                  Director of Finance for International Debt Management,

                                                  Reported directly to  Minister of Finance. 

                                                  Lecturer, State University UzDU, Tashkent, Uzbekistan





2015- 2018  Ph.D. Candidate, Doctor of Business Administration Program, Westcliff University, Irvine CA, USA,                          GPA-3.83

1998-1999   Academy of State and Public Affairs under the President, Department of Economics, Master in 

                      Economics, Tashkent, Uzbekistan, GPA-3.98

1992-1994   Financial College, Bachelor of Finance, with Honors, Samarkand, Uzbekistan, GPA – 4.00

1986-1992   Samarkand State University, Master in Mathematics, Samarkand, Uzbekistan, GPA – 3.28



Professional Development 


2001 - Transitional Economies of Developing Countries, JBIC Seminar, Tokyo, Japan

1999 -   Project Economic Analysis ADB Project/Workshop, Tashkent, Uzbekistan

1999 -   Advanced Intermediate English course, International House, London, UK

1998 -   Presentational Academy Courses on Fiscal Reform USAID/Barrens Group, LLC, and USAID/Global   

             Training for Development Project, Tashkent, Uzbekistan

1997 -  Tax Administration Program, US Agency for International Development (USAID), Washington, D.C.