MBA Holder
Hult International Business School
Total years of experience :13 years, 7 Months
MBA full-time student.
Oversaw relationships between fund and contributors through handling 52 employers with up to 20, 000 participants in pension fund. Managed seven research analysts performing financial research and analysis of client financial standings amounting to $45m/month.
• Worked closely with team leaders to develop and coordinate annual and long-range financial budgets and forecasts for the department.
• Presented for CFO, CAO, and board of trustees on monthly basis month-end results and defaulted employers. Liaised with lawyers throughout the arbitration process, and created confession of judgment documents.
• Prepared and presented variance analysis, ad hoc reports, created excel schedules for new employers, coordinated the development of annual budget up to $3.5m, and computed A/R balance in balance sheet.
• Increased A/R proceeds by 14% per month by collaborating with developers to implement a new Oracle system.
• Ensured company passed all audits by coordinating and managing the annual audit process with external and internal auditors.
Managed and developed 50+ corporate accounts in New York City for businesses with annual profit of more than $10 million.
• Increased the bank’s portfolio for middle-market and large corporate accounts by 20% with annual net profit more than $10m through providing variance products including corporate loans, letters of credit, and investments.
• Prepared and analyzed financial and budgetary reports, including month and year end reports in order to control operational costs and increase revenue.
• Facilitated the decision making of the Board by drafting credit proposal memos.
As Section Head, managed three Sr. Financial Analysts and an Administrative Assistant. Responsible for 32 corporate accounts with total approved limits of 1.3B and an average utilization of 800m, representing an ROE increase of 8%.
• Drafted credit proposal memos which included: credit facilities description, pricing and conditions, financial spreadsheets, projections’ scenarios, financial statement and cash flow analysis/projection, and risks analysis.
• Presented the credit proposal memos to the risk department and ultimately, the Board of Directors for approval.
• Increased the bank’s portfolio for middle-market and large corporate accounts by 50% with annual net profit not less than $30m.
• Planed and conducted complex studies to determine cost of lending and recommended budget adjustments, and other cost improvements measures.
• Performed budgeting/forecasting and prepared monthly, quarterly, and semi-annual reports and charts to monitor the budget utilization and current outstanding.
•Rotation to New York campus •Growth and innovation project - Johnson & Johnson New York, May-June 2014
Formal Credit Training - Societe General Bank Bachelor Degree of Accounting Advanced Excel course Multicultural skills gained via diverse travel abroad; fluent in English and Arabic, good in Spanish and basics in French.