Credit Risk
Burgan Bank
مجموع سنوات الخبرة :11 years, 4 أشهر
• Preparing credit review reports/comments on credit request’s received by the department, adhering to the Bank’s credit policy and guidelines by:
a. Assessing creditworthiness of existing or prospective clients.
b. Examining financial statements, transactions and credit history case by case.
• Assisting and preparing reports on stress analysis of share collateral of Bank’s portfolio.
• Preparing reports such as volumetric analysis quarterly report on the credit application statistics and various other monthly and quarterly reports and performing other duties as instructed by the direct manager.
• Performed comprehensive audits of various Kuwait client company's financial statements within diverse industries.
Assisted in various accounting functions involving general ledger analysis and reconciliation.
Performed testing procedures on cash, fixed assets, accounts receivable, intangible assets, prepaid expenses, accounts payable, deferred revenue, accrued liabilities, revenue, and expenses.
Performed detailed tests of transactions for significant account balances.
Communicated with clients to obtain required financial data to perform and complete fieldwork efficiently.
Utilized detailed analytical procedures to analyze income statement and balance sheet accounts.
Reconciled Trial Balance to General Ledger.
Prepared audit work papers and memoranda by documenting audit tests and findings.
Prepared audit deliverables such as Financial Statements and Overall Analytical Review (OAR), Sales GP Analysis and reporting in Excel.
Have working knowledge of EY Audit Tools - Case ware, EY Random, Microstart.
Analyzing the financial statements and identifying the tax implications. Comparing the financial statements for two accounting periods to assess the change in client’s financial position.
Prepared Simple to complex tax returns for individuals and Trusts after reconciling the taxable income.
Reviewed documents and financial records to determine forms needed to complete tax returns.
Prepared I-package (Excel) to reconcile the Revenue, Capital Gains/losses, Expenses and calculate the tax deductions if any.
Prepared Form 1040 (Individuals) and Form 1041 (Trusts) and supporting schedules in Go System (software).
Prepared federal, state and local tax returns, estimates and extensions.
Reviewed financial records such as income statements and documentation of expenditures in order to determine forms needed to prepare tax returns.
Used all appropriate adjustments, deductions, and credits to keep clients' taxes to a minimum.
Communicated with the US counterparts to provide the deliverables which met the expectations of Client.
• Providing quality deliverables within the turnaround time.
• Managing deliverables on daily, weekly and quarterly basis.
• Communicating with the US counterparts to provide the deliverables which meet the expectations of Client.
Analyzing the financial statements and identifying the tax implications. Comparing the financial statements for two accounting periods to assess the change in client’s financial position
Prepared Simple to Complex Annual Reports of Employee Benefit plans including 401 K and deferred benefit plans after analyzing Audited Financial statements and reconciling taxable income.
Prepared Form 5500 and Form 5500SF and its supporting Schedules -Annual Report of Employee Benefit Plans for Non Profit Seeking Organizations in Relius - Sun Guard Software and Form 1040/1040NR (Individuals - Expat/Inpat) in GFX software.
Prepared Simple to Complex High net worth Individual nonresident tax returns after compiling the financial records and considering the financial information and supporting documents.
Prepared tax reports on Relius software for e-filing.
Provided and managed high quality deliverables exceeding client expectations on daily, weekly and quarterly basis.
Project RCO - Have worked as a part of the Project RCO team in the Deloitte & Touché Audit LLP, Hyderabad, INDIA as part of Hybridization.
Job Profile: Project RCO was on the mortgage loans given by the client and the customer repayment.
Audited financials to determine the financial status and repayment period for the debt of the mortgage loan availed by the client’s customers.
• Participated in the timely and accurate delivery of monthly, quarterly and annual accounting reports and financial statements for the consolidated parent, consolidated external reporting entities and subsidiary operating companies under US GAAP for reporting to Board of Directors, shareholders and debt holders.
• Prepared the company’s periodic reports and filings with the SEC, including XBRL tagging.
MBA in Finance and HR from the University of Calicut, India, graduating from Holy Grace Academy of Management Studies, India.
Bachelor of Business Administration from M.G. University,Kottayam, India, graduating from SAS SNDP Yogam Colllege,Pathanamthitta, India.