Abas A•••

About

On the record

Credit and Financial Analyst with an accumulated experience of over 10 years in Banking encompasses Branch Banking, Accounting Processes, Commercial Lending, Credit Control & Collection, Credit Risk Assessment, Cash Management, and Accounts Receivables (AR), Accounts Payable (AP)Adjustment & Reconciliation. With strong ledger posting, & transaction processing skills, enabled for accurate entry, verification and validation for enhanced risk prevention, & detection. Able to employ advanced analytic skills in the field of Financial Planning and Analysis, Budgeting (Static and Flexible), Forecasting, and Financial Statement Analysis including Top-down, Bottom-up, Common Size Analysis, Profitability, Solvency, Liquidity, Variance, Cash flow Analysis, using Ratios, Benchmarking, and Industry Analysis. Along with a solid background in Risk, and Return Estimation using wide variety of techniques such as Net Present Value (NPV),Internal Rate of Return (IRR), Value at risk (VaR), Liquidity Coverage Ratios (LCR), Net-stable Funding Ratios (NSFR),Internal Control Process, COSO, Basel IFRS Requirements. Exceled in financial and credit policies, drafting and implementation, risk monitoring and control, with a track record success in sustaining above-target revenue growth by +25%,and minimizing credit risk of Multi Millions portfolio of larger corporate customers, optimized cash flows, while maintaining strong relationship with customers, and ensured legal and regulatory compliance. CMA-P1 certified, holder of advanced Business Administration, and Finance Degrees, MBA, Msc of Finance, SOCPA Certified, Certified user for a number of Enterprise Resource Planning (ERP) Software such QuickBooks, SAP 4 HANA, Odoo, MS Excel, and Power BI.