Sameeh Usman Abdul Kareem

 Proficient analyzing of financial information, assessing risk and credit worthiness of an Individual or company by verifying and examining information and accuracy of Application(Credit Card, Personal Loan), customer identification with KYC and assess financial statements of the customers as per bank credit policy
 Reviewing Al Etihad Credit Bureau(AECB) report for debt burden and credit history to determine their financial health and ability to repay a credit advancement and including bank internal system check to ensure customer's existing relationship with the bank is satisfactory
 Well aware of negative checking such as Emcredit, Internal Watch List and World Check
 Use internal calculator for assigning Credit Limit & EMI.
 Ensuring that strict adherence to Credit is approved based on risk acceptance criteria set by Credit Policy, ensuring compliance with the bank laws, regulations and guidelines of central bank
 Recommended the credit limit tied to analysis and assessment of credit risk after thorough review of customer & company profile
 Sourcing Application(Credit Card, Personal Loan) according to policy guidelines and procedures - KYC review, findings discrepancy and rectification as and when required during Sourcing and Encode customer's information into system and followed up with processing team for Approval, Customer and Employer verification and Disbursal(Partial to Fully) process.
 Ensure that regular feedback and clarity of communication to sales regarding daily application
 Interact with department colleagues and initiate process for improvement
 Maintain strict confidentiality on all accounts, including bank products and policies
 Provide quality Turnaround Time (TAT) to business units as per Service Level Agreements (SLA).

 Qualified professional with over 2 years of comprehensive experience in Finance & Accounts
 Responsible for handling activities in accounts payable and receivable
 Responsible for preparing cheques, payments vouchers, receipt vouchers, bank deposits, other accounting forms and accuracy in controlling cash/cheque
 Processed and Researched the vendor invoice
 Processed the vendor payment as per the terms of payment
 Responded to vendor and employee payment inquiries
 Reconcile vendor statements, research and correct discrepancies
 Prepare manual cheques as when required
 Match invoices to cheques, obtain all signatures for cheques and distribute cheques accordingly
 Processed the customer receipt
 Tracking of receipts and sorting out pending issues with customers
 Allocate receipts to invoices and credit notes to ensure that debtor information is accurate
 Monitoring the credit limit of the customers
 Reconciliation between bank to vendor/customer account
 Inter-Company Reconciliation
 Prepared monthly entries to the general ledger and prepared corresponding account reconciliations and assisted in the monthly closing process
 Preparing monthly reports of company expenses
 Audit finalization
 Prepared Vendor and Customer ageing report and submit to Finance Manager
 Every month reporting to Finance Manager about company accounts
 Payroll preparation for employee salary and wages by calculating time details and other duties
 Confirmed and verified account numbers, maintain employees records and prepare annual leave benefit
 Handled the tasks of providing administrative support through drafting official correspondence of the company, filing, typing, and data entry
 Responsible for handling international processes surrounding the collection, settlement, general ledger, month end closing and many more official duties
 Responsible for various other duties as assigned and as needed

 Responsible for handling activities in accounts receivable and payable
 Responsible for preparing routine entries like cash payment, cash receivable and bank receivable
 Responsible for Preparing supplier and customer invoices
 Responsible for Preparing the Vendor payment and customer receipt
 Reconciliation between bank to vendor/customer account
 Inter-Company Reconciliation
 Tracking of receipts and sorting out pending issues with debtors
 Monitoring the credit limit of the customers
 Preparing the voucher entries like debit note and credit note
 Preparing monthly reports of company expenses
 Preparing fund flow statement
 Audit finalization
 Every month taking Vendor and Customer ageing report submit to Finance Manager
 Every month reporting to Finance Manager about company accounts
 Payroll preparation for employee salary and wages by calculating time details and other duties
 Confirmed and verified account numbers, maintain employees records and prepare annual leave benefit
 Handled the tasks of providing administrative support through drafting official correspondence of the company, filing, typing, and data entry

 Responsible for handling international processes surrounding the collection, settlement, general ledger, month end closing and many more official duties
 Responsible for various other duties as assigned and as needed.
 Respond to the cases within the time specified in the Service Level Agreement.