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Aous Chaalan

Management Associate

Work experience

May 2014Feb 2015

Management Associate

Abu Dhabi Islamic Bank

• Provide quality services to business units through undertaking risk assessment analysis of various types of financing proposals.

• Monitor credit worthiness of obligors / counterparties once the lines are put in place.

• Support the Relationship Managers in the review and preparation of credit applications, target markets, return on risk-adjusted capital, green light memos and term sheets.

• Maintain strong and cordial relationship with customers.

• Asses client's current and projected performance in term of financial, management, industry, and environment.

• Identify credit risk exposures and mitigate them through a well structured facilities.

Sep 2013Apr 2014

Trainee (Management Associate Program)

Abu Dhabi Islamic Bank

The Management Associate program is designed to help trainees become well rounded bankers and gain skills required in the Banking and Finance industry. Future leaders are trained and developed at ADIB. The program headlines are:

Islamic Banking - SHAPE

Bank Products and Services

Financial Accounting

Credit & Financial Analysis

Self Management

Credit & Risk Management

Corporate Finance

Real Estate & Project Finance

Moody's Analytics.

The principal exposures during the program are:

•Conduct credit application due diligence for: -Basic information report – KYC -Industry analysis and forecasting for the appropriate tenor -Build financial models to assess loan structure, examining both historical and projection of free cash flow, leverage, revenue, EBITDA, and valuations.

•Spread, analyze, and interpret Moody’s reports for better understanding of the customers.

•Analyze customer’s need and define the best Sharia’a compliant facilities that fit their position.

•Provide appropriate pricing according to bank RORC.

•Identify risks and mitigates for different facilities.

Mar 2012Jun 2013


Burooj Properties

•Handle cash management and General Ledger activities on Oracle ERP System.

•Daily cash and PDC allocation and bank transfer through ADIB for properties rent collection of Abu Dhabi, Al Ain, and Northern Emirates.

•Handle heir’s allocation for properties on a monthly basis.

•Follow up with customers account status and transaction.

•Daily bank reconciliation for 3 main general pool accounts.

•Audit maintenance, security & rent refund, insurance, and legal payments.

•Coordinate with leasing department for the tenant’s accounts.

•Prepare account statements including income, balance sheet, and trial balance statements for property owners.

•Allocate journal entries of properties accounts as per the chart of accounts of the organization.

•Prepare monthly trial balance statement for the legal division.

•Prepare daily cashier report including cash and cheques for Abu Dhabi, Al Ain, and Northern Emirates branches.

•Perform PDC (Post Dated Cheques) posting entries on Yardi System.

•Prepare weekly annalistic report of the outstanding NSF (Non-Sufficient Fund) payments and management fees.

•Prepare current tenants’ account receivable of cash and PDC for data migration (Oracle Project).

•Prepare trial balances for properties’ data migration (Oracle Project).

•Implement Oracle ERP System.

•Meet internal and external audit requirement.

Jun 2012Jul 2012


Abu Dhabi Airports Company (ADAC)

•Preparation of monthly bank reconciliation.

•Participated in the accounts payable process which includes auditing and posting, entries. •Audited payroll documents.

•Completed one year of delayed reporting for the pension plan and kept it and other employee benefit plans current on a timely basis for more than 250 employees.

•Spent two weeks in the internal audit department by practicing internal audit procedure for ADHC (Abu Dhabi Hospitality Company) in risk and potential fraud test.


Jan 2008Jan 2012

Bachelor of Business Administration (B.B.A.)

Abu Dhabi University

Major: Accounting

Minor: Finance

GPA: 3.59 out of 4.0

4 years Bachelor Program

Jan 2006Jan 2007

Secondary Certificate

Al Mutanabi School

Major: Science

GPA: 90%



Credit Risk
Credit Analysis
General Ledger
Microsoft Word
Corporate Finance
Financial Reporting
Microsoft Excel
Financial Accounting
Financial Analysis