Senior Analyst Credit MIS Monitoring
Burgan Bank
مجموع سنوات الخبرة :29 years, 11 أشهر
Analyst Credit MIS-Monitoring (Risk/Finance Management - Nov’11 Onwards)
Responsibilities & Experience:
•Responsible for CBK Provision Reporting, managing and finalization of consolidated various CBK reports.
•Conducting Provision Committee Meeting, reviewing forecast plans & watch list customers movement & implementing the decisions taken in the review meeting.
•Managing valuation of unquoted shares, restates as per credit policy, monitoring the periodic reconciliations.
•Reviewing provision movement with individual business units, maintain close relationship with business units heads, ensuring reports/ issues are addressed in a timely manner.
•Liaise with external, internal & CBK offsite /onsite auditors on an ongoing basis.
•Monitor the periodic reconciliations, at gl level & resolving with IT in a timely manner.
•Managing bank wide Stress Test, with various scenarios, sect oral exposures, collaterals, limits, Risk Appetite analysis bank & Individual Subsidiary level, Asset Quality, Lending Book analysis, Preparing business required parameter based modules, Scenarios, Preparing CBK provisioning, analysing, briefing, reporting of specific provision movements, CBK Violation analysis, generate major clients managing collateral valuation & coverage, various exceptional analytical trend analysis, etc…
Achievements:
•Various control checks has helped in many kind of quick analysis and command over irregularities upfront and helped in reducing gaps in analysing, Major portfolio analysis has reduce NPL provision.
•Achieved 3 Major internal Appreciation Certificates 1) Innovative Burganer, 2) Goes Extra Mile, 3) Outstanding Project Contributor.
Senior Financial Analyst (Consumer Credit Risk Collection - Jan'10 - Nov’11)
Responsibilities & Experience:
•Support Retail Collection to prepare CBK Provisioning, specific provision movement, Asset Quality, Lending Book Analysis, Controlling CBK Violation, Government Debt Fund Analysis, generate various exceptional trend analysis, various analytical reports like aging & bucketing movement, delinquency trend, portfolio size, payment trend, salary trend, customer wise employer wise lending trend etc…
Achievements:
•Upfront accurate month end provision estimating which has major effect on NPL Provision, control over bad category movement result shown in downward trend of specific provisions.developed various analytical / MIS Reports, lending book analysis has given a major support in establishing new lending policies for the upcoming customer & employers, various kinds of alerts/exceptional reports
Senior Financial Analyst (Finance and Planning - May'07 - Dec'09)
Responsibilities & Experience:
•Management and co-ordination of Annual Business Plan and 3 Year Strategic Plan, Quarterly Business Reviews and Forecasts, and preparation of Consolidated Bank Plans and Performance summary.
•Preparation of monthly performance report along with various ratios, meaningful commentaries and variance analysis, Preparing and calculating estimated specific and general provisions for CBK.
•Analysing various types of loans and deposits, trends and interest rates. Also analysing of interest income and expense (Yield Spread & Cost of Funds).
•Ensure the various policies of banks are with business requirements, Transfer Pricing policy, OPEX Recharge.
Achievements:
•Independently handling monthly reports, capital expenditures, core team member in preparing strategic planning for next three years, annual budget and quarterly reviews
•Developed Monthly Performance report for bank wide and group level.
Financial Analyst (Finance and Planning)
Responsibilities & Experience:
•Budgeting & Planning, Re phasing Budget, Business Planning, Forecasting & Projections.
•Preparing Key Featured Reports, MIS, ad-hoc management related & external brand/franchise reports.
•Preparing Budget templates & conducting training, scheduling the budget requirements.
•Analysing account, P&L at stores, brand, divisional, group and country level, NBV calculations & projections, Maintaining Capex Register, Preparing cash flow, PIR, ROI, Analysing ROCI's, IRR Calculations, Stocks take reports, shrinkage reports, and incentive calculations.
•Interaction, explanations and support to Internal/External Auditors and users at different levels.
•Handling analytical tool & reporting tool, use analytical skills and automated tools of the firm to provide persuasive evidence, Review of systems and effectiveness of organizational decision support leading to performance improvement & evaluation of existing business related controls.
•Review financial statements involving consolidation of subsidiaries companies, and solving complex accounting and auditing issues.
Achievements:
•Independently handling Business Planning, 5/10 year Projection, annual budget and quarterly reviews.
•Developed ‘Key Performance Indicators’ report, on daily and weekly basis for tracking of various country, divisions, brands, as well as stores level, Monthly Performance report.
•Organised Independent training in various countries & division and brand levels.
•Automation of various calculated (e. g:-sales fee, franchise fee, operating expense recharge).
•Successful implementation of COGNOS planning tool.
Accounts Executive (Finance and Planning - Aug'99 - Apr'04)
Responsibilities & Experience:
• Budgeting & Planning, Business Planning, Forecasting & Projections.
• Age Analyzing & MIS Reporting of Customer’s Order trend, Prices, Rejections & Payments.
• Coordinating/interacting with branches, customer’s related to invoices, rejections, credit memos and
reconciliation & collection of accounts sales representatives relating to stock and branch Invoicing.
• Credit note adjustments against customer’s sales order & payments received. Interacting & Solving problems related to any Discrepancies with vendor's, against purchase orders, payment's, short falls, rejections, credit memos.
• Pay roll processing of 500 employees, taking care of all statutory payment’s (Payables in AP).
• Developing new programmes related to Receivable/Payment/Payroll (AR/AP/GL-ORACLE Financials).
Systems Executive (Systems - Jul '94 - Jul'99)
Responsibilities & Experience:
• Part of ERP Implementation Team, documentation of Utility, Procedure’s, Function’s & giving training to the users on any new development’s (Technical & Functional).
• Implementation & Support to various modules like Cash & Bank, Stock Invoicing, Order Entry Management, Customer Complaint, Credit Note, Purchase & Stores Management, Payroll, Leave maintenance, Attendance & preparing daily & weekly reports.
• Developing New Forms/Reports/Queries or Modifying Reports/Forms as per User’s requirements.
• Support to System Administrator/ Database Administrator on Unix/ Oracle. Maintaining network, connectivity with branches, mailing system & downloading files from net, daily backup of database.
• Administrative functions of Department, Maintaining ISO & TQM Documentation at Departmental level.
Achievements:
• Part of ERP Implementation Team, Training Employee on Oracle Financial & Support (Technical & Functional) Oracle Gemms Implementation & Support (Technical & Functional) .
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