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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.

  • Versatile and result oriented professional experienced in monitoring cash flow and preparing business performance reports to manage short and long-term debts, cash rollover as well as investment proposals.
  • Skilful in monitoring changes in the liquidity position and evaluating cash flow. Experience of working with Islamic Finance House in Dubai.
  • Understanding of diverse industries such as contracting, HR, real estate as well as construction and excel in offering wide range of facilities directly related to their field of business.
  • Kept up-to-date about legal, compliance and market risk related issues. Developed advanced written and communication skills by constructing Credit Application, Memos and Call reports.
  • Self-starter equipped with the ability to manage competing priorities in a complex environment. Adept at creating efficiencies for existing or unexpected situations.

Work History

 Jun 2014 March 2016

Credit Analyst (Corporate & Commercial Department )

Finance House P.J.S.C:  Is a financial institution operating in the United Arab Emirates since 2004, reports to Central Bank and listed in Abu Dhabi Securities.

Significant Highlights:

  • Efficiently highlighted the key strengths of the company and marked the benefits to excel with relationship, thereby supporting manageFinance House P.J.S.C:  Is a financial institution operating in the United Arab Emirates since 2004, reports to Central Bank and listed in Abu Dhabi Securities.ment decision to grant facelifts to the customer.
  • Holds merit of creating a diversified credit application that offers both direct and indirect financial facilities and state customer’s position to Risk Management Division.
  • Successfully managed a portfolio of 60 customers given by management of various industries/ markets and acquired positive feedback and enhanced the relationship and thus achieved department goals.

Key Responsibilities:

  • Collecting reports regarding finance and credit data. Evaluating financial records like earnings, savings, payments and purchase and suggesting other useful financial activity for further plans.
  • Completing loan applications, including credit analyses and summaries of loan requests, and submitting to loan committees for approval.
  • Reducing bad debt risk and increasing accounts receivable collections. Generating financial ratios, using computer programs, to evaluate customer’s financial status.
  • Reviewing financial information, such as statements, management accounts, cash flow statements and further assessing the credit worthiness of client companies.
  • Charting out the risk involved in lending money to corporate customers, and preparing credit application such as company financial statements.
  • Working closely with various departments to collect and disburse various documents related to approving and disbursing the application/ facility.
Dec 2013Jun 2014

Internal Auditor

Finance House P.J.S.C

Significant Highlights:

  • Proved instrumental in conducting critical observations while auditing various departments which resulted in better reporting therefore enhance efficiency of overall organization.
  • Participated in AML and KYC presentations with fellow team workers and presented it to upper management which resulted in better understanding of misguided concepts.

Key Responsibilities:

  • Evaluated, assessed and recommended changes in accounting systems and controls of a business unit. Monitored all accounting and clients’ databases are updated and functioning properly.
  • Conducted inspection of accounts receivable, payable and general ledger for its accuracy. Reconciled bank deposits and payments.
  • Analysed and assessed, budgets, balance sheets and other related financial statements and records. Reviewed and recommended changes in internal audit controls.
  • Verified and ensured accounting books and records are in conformity with industry practices and corporate policies. Made sure compliance of regulatory guidelines and generally accepted auditing standards.
  • Submitted report to both audit committee and management on policy programs and department activity which resulted in improvement controls and operation efficiencies.
  • Extended necessary support to Audit head in writing, editing and proof reading audit & compliance reports on various departments.
  • Scrutinized and submitted detail report on the timeliness, relevance and accuracy of financial information provided by management.
Jun 2012Sep 2013

Account Executive

World Wise Partners: Is a recruiting agency that provide businesses with workforce to support their employee end-to-end life cycle.

Significant Highlights:

  • Displayed skills in preparing profit/loss statements (balance sheet/ Income statement/ cash flow) along with normal daily data entry.
  • Successfully managed a team of new entrants and guided them throughout the sales/ marketing development process.

Key Responsibilities:

  • Accessed securely confidential documents including Driver’s License, Credit Card and Insurance Policies while performing background checks to ensure customer’s eligibility.
  • 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.
Sep 2010  June 2012

Median Consutlant

Breeze Max Web: Is a web advertising agency helping businesses improve their online presence with Google Advertising.

Significant Highlights:

  • Successfully monitored leads and led the entire sale cycle from prospecting to closing deals.
  • Demonstrated excellent capability in analysing trends in Canadian and international markets for online media solutions.

Key Responsibilities:

  • 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 

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

Core Competencies

  • Credit Analysis
  • Portfolio Management
  • Risk Management
  • Commercial Banking                      
  • Internal Audit
  • Research & Analyses
  • Team leadership and Communication
  • Critical Thinking