OBJECTIVE
To achieve a dynamic position
in an Islamic Bank that offers me to learn and reap higher reward of
success and can utilize my analytical/tactical skill’s to enhance
competence of an organization and my self.
RELEVANT
SKILLS
· Diploma
in Islamic Banking and Insurance from London Institute of Islamic
Banking and Insurance
· Business
professional with over 9 years’ experience in the banking/financial
industry
· Excellent
analytical, leadership, communication, conflict resolution and group
dynamics skills
· Skills
/ Knowledge in the Business and Banking industry
· Advanced
knowledge of Microsoft Office and other computer applications
· Exceptional
problem-solver and decision maker with diverse experience
of various multi-national markets
PROFESSIONAL EDUCATION
The Institute of Islamic
Banking and Insurance, London, United Kingdom.
University Of Houston – Clear
Lake (UHCL), Texas, USA
-
Bachelor
of Science in Business Administration,
1996
Eastern Connecticut State
University, Connecticut, USA
PROFESSIONAL COURSES
-
Leadership & Team Building 2009
-
Credit Appraisal Techniques 2009
-
Risk Management and Basel II 2008
-
Sarbanes Oxley Workshop
(SOX) 2006
PROFESSIONAL EXPERIENCE
Credit Assurance
Manager
2008 - Present
Sharjah Islamic Bank,
Sharjah, UAE
-
Mitigation and Quality
Assurance of all Credit Risk functions within the Retail Division.
-
Review and conduct
periodic assurance tests of branches and RCD to ensure that all
credit Risk Functions are at adequate risk levels and meet the
Credit Parameters ensuing Sharia Compliance.
·
Responsible for
generation of all business, credit and collection MIS to ensure control
on delinquency and credit losses. Design MIS reports for higher
management demonstrating the portfolio behaviour.
·
Responsible for
the set up of Credit Monitoring Policies and procedures.
-
Ensuring compliance with
the statutory requirements laid down under different acts governing
banking regulations including Basel II, etc.
-
Actively participating in
assessing the non performing assets for the product based on monthly
reporting.
-
Monitoring Overall
Business Risk
-
New Market and Product
Launches : Review and sign off on product launches to ensure
regulatory and procedural compliance.
-
Perform risk analysis
of new initiatives and confirm adherence to regulations.
-
Ensure proper
procedures and automation are in place and all known risk issues
have been mitigated.
-
Coordinate with
relevant risk and business committees prior to launch.
-
Conduct process
overview of country business and identify areas that need
strengthening and greater control.
·
To constantly review
and update the Retail Credit – Islamic Financing Policy manual in
coordination with direct report to remain abreast with dynamic market
conditions.
Financial / Business Analyst -
Technology and Operation Finance Division 2005 -
2008
Bank of Montreal, Canada
-
Responsible for
Business/Financial Analysis of projects (RFI, RFQ, and RFP) for the
enterprise infrastructure networking division.
-
Work on
business/feasibility analysis for projects ranging from CAD $100K –
CAD$100 Million
-
Compile and negotiate
financial/billing contracts and verify for compliance, governance,
and risks within the framework of bank policies.
-
Evaluate vendors/bidders
for best possible business / financial solution.
-
Attend project meetings
representing finance department.
-
Help collect budget
requirements from managers and forecast/track yearly budgets and
expenditure for our department (Yearly expenditure of CAD$ 80
Million)
-
Responsible for Capital
budget expenditure and NIX related to them (Yearly Capital of CAD$
8-12 Million).
-
Play an active role in the
annual budget process
-
Prepare financial reports
for cost centre managers and management teams within designated
departments (e.g., monthly and quarterly reports as well as reports
required during the budget process)
-
help perform ad hoc
financial analysis
-
Responsible for
maintaining and updating Business Contingency Plan on a quarterly
and yearly basis.
-
Participate in the
continuous improvement of financial & operational processes within
the division
Analyst Special Projects
(Mutual Funds)
2004 - 2005
Unisen, Canada
-
Examine daily Money Market
reports for Mutual Fund clients.
-
Analyze & research daily
reports for pending trades, errors and wrongly posted transactions
-
Create monthly &
semi-annually Management Fee Rebate report for different clients
-
Research special projects
-
Provide support to general
processors for processing & quality control during RRSP season
Manager
2001 - 2003
Cidra Financial, Inc. DBA
AIM Insurance of Texas (Houston, USA)
·
Handled daily
operations
·
Made quotes,
issued and bond auto, home and commercial policies through different
underwriters
·
Followed up on
renewals and processed claims
·
Worked within
the management reporting group and liaised with Finance, IT, Marketing
and Business Management Units to complete projects, gathered
information, and resolved issues
·
Developed and
implemented information based strategies to support Marketing and
Analysis programs
·
Developed
project proposals and plans to determine timing, funding limitations,
procedures for completing projestct, affing requirements, and allocation
of resources to various phases of the project
Supervisor
1998 – 2001
Union National Bank
(Dubai, United Arab Emirates)
-
Assisted in performing
analysis of financial statements of corporate clients in the
Textile, Manufacturing, Computers, Electronics and Service
industries with a view to minimize risk of exposure
-
Analyzed, proposed &
processed credit facilities for commercial clients for revolving
credit, Letter of Credit, Bills Discounting & Bank Guarantees
-
Analyzed, proposed and
processed applications for loans and other credit facilities for
high-net worth individuals
-
Independently managed
branch operations of 7-10 employees
-
Opened personal, company &
term deposit accounts and placed foreign currency with treasury
division
-
Proposed and processed
Salary loans & Small Business loans.
-
Worked with the lawyers
and delinquent customers for the recovery of overdue individual and
corporate accounts.
Manager
1996 – 1997
Tuesday Morning Inc.
(Connecticut, USA)
-
Responsible for daily
store operations
-
Responsible for inventory
control, customer service & merchandise display.
-
Advertising Proofing
Manager for the state of Connecticut.
Peer
Consultant
1996 – 1996
Eastern Connecticut
State University (ECSU) Business Dept. (Connecticut,
USA)
-
Consulted Business Majors
(seniors) for Business Plans, requiring knowledge of accounting,
finance, marketing, management, operations management, and human
resource management.
-
Analyzed business plans
and made recommendations for improvement
-
Recommended sources of
research for competitive industry analysis
-
Attended presentations and
interviewed students based on real life basis scenarios
COMPUTER LITERACY
·
Advanced
knowledge of Microsoft Excel (Pivot tables, Macros, etc.) and Word.
·
Applications:
MS Windows 98, 2000, XP, MS
Publisher, Visible Analyst, Adobe PhotoShop, Access, Power Point,
Outlook, MS Project and Front Page 2000, etc.
·
Skills:
Small Business Network Setup, PC Diagnosis & Troubleshooting,
INTERESTS
