Senior Financial Analyst
National Bank of Abu Dhabi
Total years of experience :7 years, 8 Months
Provide the organization with a sound, independent and objective assessment of financial, management, market and
industry risk factors as well as loan structure associated with commercial and corporate credit facility requests for middle
market and large corporate loans.
* Responsible for analyzing credit and financial reports to determine the risk involved in loaning money or extending credit.
* Scrutinizes financial data such as market share, income growth & management quality to decide if loans will be lucrative.
* Compare liquidity, profitability, and credit histories of individual or company being evaluated with similar establishments
to determine risk.
* Spread financial statements and prepare a comprehensive financial analysis on the creditworthiness of the borrower.
* Accurately measure the financial condition and operating performance of commercial & corporate domestic enterprises
within the small business and middle market areas.
Managed the accounts of corporate customers and monitored risk exposure whilst evaluated credit worthiness.
* Prepared and managed meeting reports, diary management and provided administrative support to the team.
Significant Contribution
* Interpreted financial statements, handled various customer credit proposals, prepared spread sheets & credit packages.
Proven Job Role
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* Orchestrated SRMs/RMs in preparing customer correspondence and other related documents, conserved credit files and
all other corporate and commercial finance administrative jobs.
Delivered administrative support in daily management and monitoring of the corporate portfolio by supporting SRMs/RMs
by adhering to bank’s policies and procedures.
Significant Contribution
* Provided administrative support to SRMs/RMs in preparing customer correspondence and other related documents,
conserved credit files and all other corporate and commercial finance administrative jobs.
* Prepared facility offer letters and provided active support in customer support function.
Accountant - Al Pharabi International, Dubai
* Reconciled financial discrepancies by collecting and analyzing account information.
* Ensured financial records of the company are maintained in compliance with accepted policies and procedures.
Significant Contribution
* Successfully executed accounting up to trial balance, prepared and managed balance sheets and P & L account, inform
the management in case of complications.
* Oversee all accounts reconciliations, and analyzed an accurate recording of revenues and expenses, and maintain
financial records of the company.
Accountant - Camox Guide International, Dubai
* Ensured financial records of the company are maintained in compliance with the accepted policies and procedures.
* Reviewed the reimbursement report for arithmetic accuracy and verified payment vouchers and supporting documents.
and asset-based facilities while adhering to the Bank’s credit policy & procedures, and make recommendations
on loan structure along with meaningful loan covenants to adequately cover the risk involved in the proposed facilities.
* Ensure preventive measures are carried out to fully comply with current rules, regulations and internal policies relating to
risks and other AML related issues.
* Identify, evaluate, monitor and make any recommendation deemed necessary to the Risk Management Committee in
order to assess, reduce, eliminate or control any current or prospective risks to earnings or capital arising from violations
of, or nonconformance with, laws, rules regulations, prescribed practices, internal policies and procedures or ethical
standards.
Senior Accounting Management
* Perform accounting functions as assigned including, but not limited to book, reconcile and report in-force premium, direct
written premium and loss fund balance, retro accrual, cash, cash applied to A/R, bad debt allowance and non-admitted
A/R on a monthly basis as well as for any GAAP vs. STAT differences.
* Handle complete books of accounts independently up to finalization, cash, stock, production, Accounts Payables,
Accounts Receivables, credit control, general ledger, accruals and other related jobs.
* Responsible for all areas relating to financial reporting, developing and maintaining accounting principles, practices and
procedures to ensure accurate and timely financial statements.
* Carried out tight deadlines and a multitude of accounting activities including general ledger preparation, financial
reporting, year-end audit preparation and the support of budget and forecast activities.
* Prepare bank settlement statements and final accounts like Profit & Loss Account and balance sheet.
* Oversee all general ledger accounts with costing efforts and supporting transaction documents. Manage settlements and
collections of due account receivable on regular basis including follow-ups.
* Provide analytical view on cost control; find out deviations and suggest improvements. Uphold awareness of applicable
laws and rules to keep up-to-date compliance.
* Assist in development and implementation of new procedures and features to enhance the workflow of the department.
Reporting & Analysis
* Facilitate in the preparation of monthly management report and accompanying schedules, worksheets, and narratives,
including “Budget vs. Actual” variance reports. Assist in providing follow-up and documentation of significant variances.
* Monthly closing schedules, depreciation records & various financial reports like sub-ledgers & balance sheet accounts.
* Collaborate with the completion of the quarterly and annual regulatory filings; preparation of assigned Quarterly and
Annual Statutory Statement pages/schedules.
Cost Control & Reporting
* Day to day overview and review of centrally managed costs and ownership of the internal recharge policy for costs,
analysis and reporting of costs as part of monthly reporting cycle.
Banking/Cash Functions
* Accountable for the maintenance of cash/bank book, creditors’ ledger, general ledger, trial balance, and balance sheet
* Coordinate and resolve various issues with the bank such as cleared check differences, bank fee anomalies, targeted
balance calculations and enhancements to online services.
* Conform with and abide by all regulatory guidance and internal policies & procedures.
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