Senior Director
National Bank of Canada
Total years of experience :21 years, 10 Months
Lending high net worth business clients up to $25Mn to support their commercial business and real estate purchases.
•Became the trusted business financial advisor in my market (Halton Region)
•Being the senior healthcare professional business account manager
• Supporting small and medium business owners with all their financial day to day banking needs
•Offering financial solutions to small and medium business owners based on their credit needs
•Achievements fiscal 2020: (1) 28 New Client Acquisitions (2) Met stretched financial sales targets (3) Conducted a Financial Review for 100% of my existing clients during the fiscal year
•Mentoring 2 new business account managers until they successfully become on board of my team
•Supported the Canadian entrepreneurs and provided financing, investment and consulting solutions
•Offered unique and competitive products in the Canadian market, being a complimentary term loans lender
•Led a multi-million dollar project, implementing financial reporting tools (Oracle: OFSA and Hyperion), to automate and reduce the turnaround time of financial reporting and budgeting processes
•Evaluated the business units’ business plans by providing financial analysis and recommendations to senior management
•Planned, produced, consolidated, and executed bank/group budgets - by business unit and product for presentation to senior management
•Performed weekly financial results review (versus forecasts) to identify expected inefficiencies and negative variances, and make recommendations to reduce financial defaults
•Produced monthly financial results, management reports, and KPIs for senior management; discussed and compared past budgets to predicted forecasts
•Managed the funds transfer pricing process to assure the fair internal pricing for the products between treasury and all other business units
•Controlled the cost allocations mechanism and updated the rules regularly with the business units and the cost centers for fair cost distributions
•Assisted group in reducing cost to income ratio from 42% to 38%, by providing recommendation to senior management, based on potential saving expense areas for each business
•Extracted and manipulated data from financial software (IBM: Cognos); developed customized financial models for group finance functions: forecasting, planning, budgeting, and financing
•Led the implementation of a new financial reporting tool (Oracle: OFSA) that reduced the turnaround time of financial and management reports by 50%
•Played a key role in the implementation of the new core banking system (Temenos-T24)
•Worked closely with external consultant to plan, discuss, and produce the bank’s 9-year strategy
•Evaluated the business units’ business plans by providing financial analysis and recommendations to senior management
•Produced monthly management reports for senior management to aid in future decision-making.
•Produced financial statements, regulatory reporting, budgeting and management reports for regulatory bodies and bank headquarters in Bahrain
•Complied and automated successfully Basel II mandatory rules, within the time specified by the local authorities and other regulatory bodies
•Initiated documentation of the expense policy manual to be applied by all bank departments, to tightly control, monitor and rationalize costs
•Produced the bank’s financial statements, regulatory and governmental authorities’ regular reports, as well as ad hoc reports, analyses, and requests
•Coordinated between the regulatory inspectors and business units to ensure regulatory requirements and action plans were met, on time, and up to standards
•Earned employee-of-the-month prize, for saving the bank USD 1.5M related to retail consumer banking, for re-opening and re-building a tax closed case, by gathering the case documents from various retail departments and providing them to the tax authority
•Performed tasks in Operations: cheque issuance, funds transfers, money market bookings, and treasury rate inputs
•Reduced bank external risk by analysing high-risk credit card transactions
•Monitored bank internal risk from employee fraudulent activities
Financial Analysis Certificate/Credit course (3 months)
•Moody’s (Accounting for credit professionals) and National review credit coach)
•RBC (in-house) Financial Analysis Certificate (6 months)
Credit Course - Financing