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Ambitious entry level Finance professional with more than 2 years of work experience looking to join a progressive organization that offers opportunities for advancement.

Work experience

Sep 2009Present

Financial Analyst

Oger Emirates L.L.C

As a junior analyst, I created the 2010 Head Office Operating Expenditure / Capital expenditure budget forecast for the Abu Dhabi and Dubai Head Offices. Collaborating with all the departments of the company I created budget spreadsheets, integrated with reporting standards to generate executive reports for the CFO and the overseas Board of Directors to review. I followed up with each department on a monthly basis using standardized variance reports allowing each manager to track and abide by the given budget. Operating expenditure decreased 23% by eliminating all unnecessary costs. I was in charge of interpreting financial data affecting income and expenditure trends to streamline future investment risks and economic influences. In addition I predicted future projects’ cash flow trend and turning points (breakeven/profit), and analyzed Developer/subcontractor credit worthiness from a cash flow perspective. My major role by the end of 2010 was to introduce the Hyperion Budgeting and planning application into Oger Abu Dhabi’s systems, transforming the manual basic budget process into a fully functional integrated forecasting and planning tool to be used by all department managers and executives. I am currently working on producing balance scorecard reports assessing and quantifying the performance, efficiency, and degree of development of Oger’s Business.

Key responsibilities:

-Analyze financial performance using KPI’s to produce business forecasts for use in making business decisions.

-Administer budgeting processes through consulting Department manages, and reviewing cash flow streaming as well as variation trends.

-Assemble spreadsheets, draw charts and graphs and consolidate at holding level to illustrate technical reports for the CFO.

-Approve budgets and forecasts. Implement strategies to improve utilization of financial resources to boost profitability

-Use Oracle applications to generate budget and balance scorecard reports.

-Liaise and coordinate with financial institutions.

Key Skills acquired:

-Strategic Business Planning and Process Development.

-Organizational Design and process improvement.

-Cost side Financial analysis for operational and resource optimization purposes.

-Systems implementation skills (ERP, Hyperion Planning, Hyperion Balance Scorecard, Financial Reports Studio).

-Identify cost-savings ideas, revenue growth opportunities, and strategies for productivity improvements.

-Cost/ benefit Analysis

Aug 2008Sep 2009

Money Market and Cash Flow Management Dealer

The Housing Bank for Trade and Finance

I facilitated deals and short term investments with correspondent banking dealers in which we utilized the bank’s cash and client deposits. The team relentlessly negotiated the best interest rates for overnight, monthly, semi – annual and yearly deposits as well as foreign treasury bills and CD’s. Daily, we balanced out the bank’s foreign currency accounts with correspondent regional and international banking institutions. As part of the process of investing in the global money market, we generated many reports assessing the risk and feasibility of each investment instruments using many financial tools and ratios. We also consulted the financial institutions department to valuate the correspondent banking institutions’ creditability and ratings. The whole treasury team that includes the local and foreign money market desks, as well as the local and foreign currency exchange desks collaborated to return considerable profits with high ROI relative to the turbulent time during the crisis.

Key responsibilities:

-Prepared the Daily Interest Rates Bulletin using a Reuter’s integrated spreadsheet.

-Balanced out the bank’s foreign currency cash accounts with correspondent regional and international banking institutions on a daily basis and maintain currency liquidity requirements for each subsidiary in accordance with se policies.

-Participated in preparing the daily foreign current accounts position reports.

-Attain profitability targets in Money Market dealing using a line of money market instruments. (Inter –Bank arena).

-Worked with Head of Treasury to produce individual marketing and customer-targeting plans.

Key Skills acquired:

-Adept price negotiation skills with strong Business and profit Orientation

-Organization, Multitasking and time management skills.

-Good knowledge of MM products, understanding of hedging techniques and analytical and problem solving skills

-Ability to work effectively under pressure while maintaining risk control.

-Tenacity and ethical awareness.

-Strong appreciation of risk management.

-Experience with using information services such as Bloomberg and Reuters

Feb 2008Aug 2008

Assistant Manager

Al-Imad Trading

I assisted my parents in setting up and running our family business for several months. During the time I spent in managing the startup, I oversaw all staffing decisions, administered promotional campaigns and was responsible for book keeping and budget forecasting. Our chain of stationary retail stores provided me an excellent learning opportunity and the responsibility of setting profit margins using cost to market price ratios. I also managed the human resource aspect of the business measuring the employees’ performance and productivity.

Key responsibilities:

-Staffing decisions.

-Administering a promotional campaign, including advertising and direct marketing email campaign.

-Set pricing formulas, including the introduction of new items.

-Book keeping, budget balancing and inventory tracking.

Key Skills acquired:

-Knowledge of supervisory and managerial skills

-Knowledge in inventory techniques and cost control and accounts reconciliation.

-Knowledge in the management of chain operations and employee skill allocation.

-Customer satisfaction approaches and meeting sales metrics.

Jul 2006Aug 2006

Intern - Research Analyst

Jordan Investment Trust PLC. (Jordinvest)

I was hired as an intern into the financial research department of Jordinvest. I was assigned the task of writing daily, monthly and annual local market reports after a two week orientation about the key financial aspects when mining for vital reporting data. I was given further tasks/responsibilities as writing the sector report, which required a more specific research approach which taught me to categorize sectors and industries according to their financial position instead of core operations. After obtaining enough knowledge on how reports are made, I moved on to writing shareholder reports on companies the trust invested in. Finally I was given the task of analyzing financial statements of local and regional banks.

Key responsibilities:

-Summer Internship program completed in the financial research department.

-Participated in writing the daily, monthly, and annual Local market reports.

-Participated in writing company specific reports.

-Analyzing balance sheets and income statements of local and regional banks, in addition to compa­nies of the Jordanian industrial sector.

Key Skills acquired:

-Ability to manage multiple priorities and meet deadlines.

-Knowledge in reporting standards and frameworks.

-Developed further strong verbal, presentation and written communication skills.

-Clear understanding and analysis of financial statements.


Sep 2003Feb 2008

Bachelor of Business Administration

American University of Beirut

Suleiman S. Olayan School of Business, American University of Beirut (AUB) - Lebanon

-Bachelor Degree in Business Administration.

-Double concentration in Finance and Marketing.

-Graduating GPA 3.30

-Dean’s Honor List 2004 and 2008

-Key Finance courses: Principals of Financial Analysis, Credit and Risk Analysis, Financial Markets and Institutions, International Corporate Finance.