Azhar Ebrahim

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,