Summary
Overview
Work History
Education
Skills
Accomplishments
Certification
Timeline
Generic
undefined undefined

Your Name

Summary

Seasoned Professional with 18 years of specialized experience in asset management, finance, and anti-money laundering (AML), bringing a wealth of experience in managing substantial financial portfolios and assets, optimizing investment strategies, and ensuring regulatory compliance in dynamic market conditions. Possesses a cohesive set of competencies in developing and implementing robust AML policies, effectively preventing financial crimes and maintaining the integrity of financial transactions. Adept at identifying and mitigating financial risks. Proven track record of analyzing and appraising credit proposals, in-depth study of the documents for sanction/ rejection of the application, and credit disbursal as per the credit policies implemented. A prowess in assessing their credit needs, appraising the credit proposal to the sanctioning authority, getting the proposal sanctioned, completing the documentation, disbursement of the loan, maintaining the account, and maintaining a good relationship with the customer.

Overview

18
18
years of professional experience
1
1
Certification

Work History

Senior Analyst

Alsalam Bank
07.2022 - 04.2023
  • Credit Appraisal: Maintained a minimum acceptable customer credit risk while evaluating the new and existing customer’s financial status and creditworthiness
  • Strictly adhered to the business timescales while carrying out the credit analysis and sanctioning
  • Risk Analysis: Analyzed the financial statements and credit history to understand better how much risk could be involved in extending credit to customers
  • Approved and rejected loans based on available data
  • Credit Administration: Evaluated the credit requests, exceeding the local authority to assess creditworthiness, including loan quality, credit risk classification, loan structure, collateral analysis, pricing, and adherence to bank policies
  • Financial Statements: Analyzed customer financial statements for accuracy and thoroughness
  • Confirmed clients' financial statements conformed to company policies and provided financial assessments
  • Loan Underwriting: Underwrote loan applications and conducted annual loan reviews
  • Credit Limits: Determined and authorized credit limits while monitoring credit risks
  • Customer Engagement: Engaged with existing and potential credit customers and bank loan officers
  • Liaison & Coordination: Coordinated with headquarters for credit decisions beyond local scope
  • Documentation: Reviewed legal documentation for credit decisions and ensured compliance with administrative follow-ups
  • Gathered key information through buyer visits and interviews for portfolio monitoring
  • Assessed loan data from sources to verify borrower creditworthiness
  • Loan Portfolio Management: Rated loan risks during the underwriting process to maintain a profitable portfolio
  • Monitored high-risk accounts, securing proprietary information by networking with financial executives
  • Grading: Provided grading for buyers and escalated recommendations
  • Provided credit ratings through financial and credit analyses
  • Market Analysis: Investigated market trends using public and proprietary data
  • Credit Write-ups: Ensured credit write-ups were decision-ready and reviewed credit line presentations
  • Compliance: Strictly adhere to the bank and regulatory guidelines throughout the credit management functions
  • Team Leadership: Work with cross-functional teams to achieve desired corporate/departmental/team goals, building consensus, agreement, and a common vision for the future.

Associate

Ithmaar Bank
03.2013 - 06.2022
  • Directed client asset management aligned with their investment preferences and objectives
  • Conducted client meetings to evaluate financial positions, needs, risk profiles, objectives, and advancement
  • Curated and managed client investment portfolios systematically
  • Analyzed market trends for profit maximization and pinpointed new investment prospects
  • Liaised with property managers, brokers, and external partners for coordinated asset management
  • Scrutinized financial statements to identify cost reduction strategies
  • Assembled and delivered detailed asset management reports to clients and upper management.

Assistant Manager – Finance & Deputy MLRO

First Leasing Bank, FLB
02.2007 - 02.2013
  • Financial Control:
  • Managed a team of two staff members
  • Compiled quarterly Financial Statements with accompanying notes
  • Generated all required CBB regulatory reports, including Statistical Returns and PIR
  • Forecasted cash flows regularly to manage liquidity
  • Coordinated with auditors for annual and quarterly reviews
  • Ensured accuracy and control through bank account reconciliations
  • Developed systems to guarantee precision in accounting data
  • Verified lease income reconciliation for accurate revenue recording
  • Enforced compliance with local regulations and company policies
  • Facilitated the publication of quarterly financial statements in newspapers
  • Acted as the main contact for the Central Bank of Bahrain
  • Organized and led annual and extraordinary general meetings
  • Deputy MLRO:
  • Served as the primary liaison between the bank and the CBB for AML/CFT matters
  • Reported suspicious transactions to the CBB's Compliance Directorate
  • Provided daily support to the MLRO function
  • Contributed to the annual Money Laundering report for MLRO review
  • Responded swiftly to CBB information requests
  • Demonstrated extensive expertise in KYC and AML practices
  • Kept the MLRO updated on key AML/CFT issues.

Third Secretary

Ministry of Foreign Affairs, MOFA
08.2005 - 01.2007

Education

Bachelor of Science - Accounting

B.S.c -

University of Bahrain
2006

Associate Accounting Diploma (AAD) -

University of Bahrain
2004

Skills

  • Credit Risk Management Credit-Underwriting Client Relationship management Financial Statement Analysis
  • Sanctioning/Disbursements Credit Appraisals / Administration Credit Rating Documentation Credit Monitoring Regulatory
  • Compliance Asset Management Accounting Operations Due Diligence MIS Reporting Team Building & Leadership
  • Financial Modeling with Excel
  • Financial Statement Analysis
  • Technical Proficiency:

Accomplishments

  • Certified Anti-money Laundering Specialists (CAMS), from Association of Certified Anti-money Laundering Specialists (ACAMS), United
  • States in 2013
  • Certified Islamic Professional Accountant (CIPA) from Accounting and Auditing Organization For Islamic Financial Institutions
  • (AAOIFI), Bahrain in 2007
  • Additional Information:
  • Big range of Islamic products and instruments
  • (Murabaha, Musharaka, Ijara, Etc)
  • Participated in the Installation and implementation of Microsoft Dynamics GP in First Leasing Bank 2008
  • Tally software interface
  • Reading philosophy, NLP & travelling
  • Administrative member of Bahrain Youth Forum Society from 2003 onwards
  • Voluntary Accountant in Bahrain Youth Forum Society
  • Trainings:
  • Anti Money Laundering workshops

Certification

Feb 1983 | CPR Number: 830201750 Languages Known: English and Bahrain | Passport No: 3092901, valid up to April 2031

Timeline

Senior Analyst

Alsalam Bank
07.2022 - 04.2023

Associate

Ithmaar Bank
03.2013 - 06.2022

Assistant Manager – Finance & Deputy MLRO

First Leasing Bank, FLB
02.2007 - 02.2013

Third Secretary

Ministry of Foreign Affairs, MOFA
08.2005 - 01.2007

Bachelor of Science - Accounting

B.S.c -

University of Bahrain

Associate Accounting Diploma (AAD) -

University of Bahrain

Similar Profiles

CREATE PROFILE