Credit Analyst - Corporate Banking
Ajman Bank
Total years of experience :12 years, 4 months
Ajman Bank is a young, agile Islamic commercial bank. Its shares were listed on the Dubai Financial Market in February 2008 and the Bank opened officially and started operations in 2009
Presently, I am working as a Credit Analyst in the Corporate Banking Division. Job role includes:
Preparation of Financial Spreads, detailed Financial Analysis and Credit Proposals
Assisting the Relationship Officers and Relationship Managers starting from new relationship acquisition to servicing and retention
Market Intelligence by Analyzing micro & macro-economic trends industry performance and competitive analysis from various publications.
Assisting Line manager in SME Credit Portfolio Management
Preparation of MIS reports and presentations for the management on the unit’s performance
Client interaction for obtaining any additional data / documents in connection with compliance / new facility request / renewal of existing facility etc and responding to customer queries
Assisting mid management in yearly, quarterly and monthly budgets and forecasts
Maintaining a good relationship with Credit Administration Departments of all major banks in UAE to obtain timely Credit Enquiry Reports
Extensive user acceptance testing for the Moody’s Risk Analyst system being implemented in the Bank.
Liaising with other departments such as CAD, IT, Admin, Centralized Operations etc.
KRC International is a multinational diversified business group based in Abu Dhabi spread across sectors like Retail, Distribution, Catering, Printing & Advertising, Hospitality, Real Estate and Manufacturing. Responsible for Managing a team of 13 accountants and 16 back office staff.
Worked in a managerial role in the group. Job Responsibilities included:
Performing various analysis such as Comparative Balance Sheet Analysis, Ratio Analysis, Risk Analysis etc. for the business and reporting on financial performance, profitability and other KPIs
Supporting budgeting and forecasting activities and introducing cost management strategies
Identifying and strengthening the internal controls with respect to the finance & accounts function
Preparation of Feasibility and Financial Projections for new outlets including overseas outlets
Managing and supervising the accounts team (13 accountants) to ensure optimum work allocation and timely work completion.
Providing accounts and finance related training to the accounts team including the use of spreadsheet software
Part of the SAP steering committee and SAP working committee responsible for overseeing the implementation of SAP in the group.
Responding to inquiries from the Managing Director, Executive Director, CCM, Finance manager and other Senior managers regarding financial results, special reporting requests and the like
Providing support to external auditors
Development and implementation of new procedures and features to enhance the workflow of the department
Performance evaluation of accounts team and handling personnel issues relating to staff conflicts, performance issues etc.
Any other duties or special projects as requested by Top Management relating to Finance
Conducting technical interview for new hires in finance department of the group.
Was the approving authority for all payments in the group exceeding AED 100K.
Financial Analyst Intern reporting to DGM Finance with dotted line reporting to the CFO - India & South Asia. My work responsibilities included
Financial analysis of Non-brand expenses,
Budgetary control,
MIS reporting,
Liaising with statutory audit team and accounting team for Finalization of Financial Statements,
Process Documentation
I have prepared reports for top management as well as operational level management and my work was well appreciated.
Aiding management in preparation of Financial Statements
Statutory Audit of Large enterprises like Delhi International Airport, VST Tillers Tractors,
Internal Audit of Toyota Financial Services India, Sri Chamundeswari Sugars, BAeHAL,
Process Reviews,
Operational Audit,
Business Valuation,
Associate Cost & Management Accountant Merit Certificate holder at the Final level About the institute : On 28th May, 1959, the Institute was established by a special act of Parliament, namely, the Cost and Works Accountants Act, 1959 as a statutory professional body for the regulation of the profession of cost and management accountancy. It has since been continuously contributing to the growth of the industrial and economic climate of the country. Subjects of study at the Final Level - Group I : Capital Market Analysis & Corporate Laws, Financial Management & International Finance, Management Accounting - Strategic Management, Indirect and Direct Tax Management Group II: Management Accounting - Enterprise Performance Management, Advanced Financial Accounting & Reporting, Cost Audit & Operational Audit, Business Valuation Management,
The Institute of Chartered Accountants of India (ICAI) is a statutory body established under the Chartered Accountants Act, 1949 (Act No. XXXVIII of 1949) for the regulation of the profession of Chartered Accountants in India. During its 61 years of existence, ICAI has achieved recognition as a premier accounting body not only in the country but also globally, for its contribution in the fields of education, professional development, maintenance of high accounting, auditing and ethical standards.ICAI now is the second largest accounting body in the whole world. Subjects of study at the IPCC level - Group I : Accounting, Business Laws, Ethics & Communication, Cost Accounting & Financial Management, Taxation Group II : Advanced Accounting, Auditing & Assurance, Information Technology & Strategic Management