Download PDF

Core Competencies


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




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


Summary

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.
20102012

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.

Education

2015

Financial Analyses 

Emirates Institute for Banking and Financial studies
2013

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