Business Analyst
Value Improvement Specialist
Total years of experience :44 years, 6 Months
Activity Base Costing / Management to allocation cost based to each activity. This provide actual cost of product and increase bottom line of the business.
Financial Reporting, Management Reporting, Accounting. Marketing company products to corporate and retail clients.
ALCO report includes GAP, internal liquidity scenarios, yield/cost analysis, Liquidity reporting, LCR, NSFR, Monitoring tools, Prudengials, Liquidity Disclosure Returns.Assets Liabilities Management reports for ALCO and Group Finance Committee.
•Preparing GAP - consolidated and by currency
•Industry comparison for major BS items and productivity/profitability/efficiency & Liquidity ratios
•Sector comparison Vs prior period and plan for major business lines
•Currency Balance Sheet Comparisons Vs prior year and year end
•Net Revenue From Funds (NRFF) Analysis (Yield & Cost) by business
•Sales Activities Monitor - Auto leasing, credit cards, home finance etc.
•USD contingencies funding calculation
•BS monitoring triggers
•Investment break-down by nature/business
•Monitor equity participation in local market
•Daily Inter-bank, Deposits integrated position with lending ratio and comparison with last day/month/year.
•Weekly balance sheet by major currency.
•Budgeting - top down and bottom up. Integrated level (account and business/cost center)
•Plan auto consolidation set up was made on intra-net portal. All divisions down load operating plan formats with actual figures and upload the file after their plan input for auto consolidation.
•Auto comparison of all divisions detailed operating plan with approved budget. This system was developed on intra-net portal for error free, fast and integrated validation.
•Final budget upload to main frame. Division, cost center and account level plan upload electronically without any manual input.
•Budget extensions, transfers in system
•Banking industry competitive analysis
Comparison of actual results with plan and banking industry
•Management Reports by Sector and by Segment.
•Prepared Geographical Income Analysis Package (Specifically for Riyadh Region).
•Financial control activities of three divisions (OCFO, Remittances and strategic acquisition)
•Provide clean, meaningful analytical data to MIS department for sector/division level reporting
•Analyzing KPIs - Financial ratios and statistical data such as headcount, number of ATMs, POS, branches etc
Bank wide / Sector level management reports
•Geographical/Region base financial analysis such as, Riyadh Region, Western, Eastren Region etc.
•Analyzing financial reports of equity investment
•Cost allocation of support division to business divisions
•Y2K - GL / SL manual consolidation at sector level after bottom up transactions received from branches, divisions and then to sectors.
•Participated in Oracle implementation from Finance & Accounting and developed/finalized Budget upload, transfer, addition, deletions process with I.T. team.
•Convert previous (Finance-1) systems chart of account to new (Oracle GL) chart of account e.g. digits in account numbers, country party and cost center numbers etc.
Consolidation of Income Statement, Balance Sheet, Regional Reporting, SAMA Prudentials.
Periodical returns to HO
•General/Subsidiary Ledger (Vouching, interest calculation of Lending & TDs)
Scholarship in all semesters.
CIMA - Stage 2
Banking Diploma Part - 1
Bachelor of Commerce