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Core Competencies

  •        Credit Analysis
  •        Portfolio Management
  •        Risk Management
  •        Commercial Banking
  •        Econometric Methodologies

  •        Internal Audit
  •        Research & Analyses
  •        Business Strategy
  •        Team leadership and Communication
  •        Critical Thinking


Driven and creative professional with over 5 years of experience delivering top performance in areas of policy & procedure. Strong background in market research & analyses with a proven track-record in providing advise to senior and executive management. Double major graduate coupled with bilingual fluency.

Work History

Jun 2014Present

Credit Analyst (Commercial/ Corporate)

Finance House P.J.S.C (Islamic)
  • Analyzing financial information, such as statements, management accounts, cash flow statements and assessing the credit worthiness of client companies.
  • Determine risk involved in lending money to corporate customers, and prepare credit application which includes:
    • Company financial statements i.e. balance sheet and records data on spreadsheet using computer generated ratios to be used in evaluating customer’s financial status.
    • Compare items, for example liquidity, profitability, credit history and cash with previous years and other companies of same industry, size and geographic location.
    • Analyzes factors such as income growth, quality of management, market share, potential risk of industry and collateral appraisal.
    • Results of credit analysis and summary of loan/ facility request, describe credit risk and amount of loan/facility profit.
    • Recommendations which include highlight the key strengths of the company and the benefits to excel with relationship, thereby supporting management decision to grant facelifts to the customer.
  • Monitoring and analyzing the changes in the liquidity position of the companies and analyzing the cash flow of the company.
  • Stay informed about the legal, compliance and market risk related issues involved in approval or credit.
  • Constructing a diversified credit application that offers both direct and indirect financial facilities and state customer’s position to Risk Management Division, moreover respond and backup the application in case of further justification.
  • Developed written and communication skills by constructing Credit Application, Memos & Call reports. Moreover liaising information with various departments to collect and disburse various documents related to approving and disbursing the application/ facility.
  • Gained knowledge about diverse industries such as i.e. contracting, HR, real estate & construction and offered wide range of facilities directly related to their field of business i.e. direct being cash and indirect being any kind of guarantees.
  • Managed a portfolio of 60 customers given by management of various industries/ markets asking to renew their facilities or even expanding them, which resulted in being vocal point of communication, acquiring positive feedback and enhanced the relationship by creating business opportunities & achieving department goals.
Dec 2013Jun 2014

Audit Assistant

Finance House P.J.S.C
  • Reported to both audit committee and management on policy programs and department activity which resulted in improvement controls and operation efficiencies.
  • Reviewed and reported on the timeliness, relevance and accuracy of financial information provided by management.
  • Conducted critical observations while auditing various departments which resulted in better reporting therefore enhance efficiency of overall organization.
  • Conducted AML and KYC presentations with fellow team workers to upper management which resulted in better understanding of misguided concepts.
  • Assisted Audit head in writing, editing and proof reading audit & compliance reports on various departments.
Jun 2012Sep 2013

Account Executive

World Wise Partners
  • Accessed securely confidential documents including Driver’s License, Credit Card and Insurance Policies while performing background checks to ensure customer’s eligibility.
  • Assisted in Preparing; profit/loss statements (balance sheet/ Income statement/ cash flow) along with normal daily data entry.
  • Conducted meetings with the team members on daily basis and discussed the project objectives and schedule.
  • Managed a team of new entrants and mentoring throughout the sales/ marketing development process.

Median Consutlant

Breeze Max Web
  • Assisted in preparation of financial presentation, including power point, word document and excel for boutique investment bank catering to high tech Canadian clients
  • Managed leads and driving the entire sale cycle from prospecting to closing deals.
  • Conducted research to analyze trends in Canadian and international markets for online media solutions.



Financial Analyses 

Emirates Institute for Banking and Financial studies

Double Major degree In Business & Economics

Brock University (Canada) 

3.5 GPA

Technology Skills

  • Globus
  • Minitab
  • Talisma T24
  • Adobe Photoshop
  • Microsoft Word
  • Microsoft Excel
  • Microsoft Access
  • Microsoft PowerPoint