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Financial Analyst Loan

Downey, CA
October 15, 2018

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Caroline k. Ghaly

Professional Summary

Dynamic and tactful Credit and Financial Officer with 10+ years of experience in banking and finance industry. MBA holder with specialization in Global Finance, have Bachelor degree with specialization in Accounting and Credit Certified. Extensive credit-related experience ranging from structuring complex transactions to underwriting policies. Specialist in general banking procedures. Handled a portfolio of

$100m diversified among different industries. Experienced in financial analysis and planning. Proficient with a proven track record in financial budgeting and financial reporting Core Professional Knowledge and skills

Financial Analysis and Planning

Financial Budgeting

Financial Reporting

Financial Modeling

Proficient in Microsoft Office

Proficient in OFSA and Hyperion

Excellent interpersonal and written/verbal


Credit Analysis

Credit Risk Assessment

Commercial loan underwriting & Documentation

Financial Spreading/lending Rationales/Asset

Valuation /Cash Flow mechanism

Proficient in Pricing Strategy

Marketing Specialist in Banking Products

Professional Experience

Commercial International Bank –CIB Dec. 2005-June 2018 Jan 2014- June 2018 Credit Officer -Corporate Banking Jan 2012-Dec. 2013 Credit Analyst- Corporate Banking Jan 2011-Dec. 2011 Credit Analyst Trainee - Corporate Banking Jan 2010-Dec. 2010 Credit & Investment Course Trainee (Chase Manhattan Bank’s credit School) Jan 2008-Dec. 2009 Senior Financial Analyst - Finance Department Dec 2005-Dec. 2007 Financial Analyst - Finance Department Detailed Professional Experience

Credit Officer Jan 2014- June 2018

Managing a total portfolio of $100m diversified among different industries

Maintain a strong financial credit analysis foundation

Responsible for assessing a new credit facilities’ applicant's credit worthiness

Tailoring finance options with their appropriate support packages and incorporating risk financial assessment

Overseeing legal due diligence, credit facility’s documentation, and inner workings of credit approvals developing them to a successful launch phase

Responsible for preparing, reviewing and presenting annual financial budget plan

Identify weekly the variances between actual and approved budgeted financial performance

Cohesive marketing analysis in order to identify potential opportunities and inherited market risks.

Conduct site visits and attend client meetings

Assist Loan committee and pricing concession committee in making decisions concerning credit limits required support package, loan covenants and loan pricing

Acting as a liaison between my corporate clients and the bank’s different departments to verify financial and credit transactions and resolve queries and complaints

Working on enhancing the bank’s “Share of Wallet” from each customer’s direct loans and contingent business.

Devised and presented robust Ideas on evolving CIB Digital banking experience, which enhanced service quality, reduce costs and increase client base which reflected in the bank’s higher revenues and profits

Credit Analyst Jan 2012-Dec. 2013

Developing financial packages catered to the client’s financing needs ensuring their compliance with the bank’s Credit Policy Guide.

Determine that all pre-closing requirements and audit exceptions are satisfied or appropriate waivers are obtained.

Develops industry financial research and analysis

Monitor loan covenants and conditions per loan agreement and report any violation to loan officer Credit Analyst Trainee Jan 2011-Dec. 2011

Initiating all the necessary commercial loan bookings and payoffs

Work directly with loan operations or outside counsel to ensure loan documents are prepared in accordance with credit approval and loan documentation standards

Underwrite commercial loans under supervision of credit officer

Submit the final loan package to loan operations for funding and boarding Credit Course Trainee Jan 2010-Dec. 2010

Credit & Investment Course is a local adaptation of the Chase Manhattan Credit Course School. The course curriculum covers the areas of Accounting, Risk Assessment, Industry Analysis, Financial Statement Analysis, Cash Flow Mechanism, Lending Rationales, Trade Finance, Legal and Valuation. Senior Financial Analyst Jan 2008 – Dec 2009

Prepare and Analyze weekly/monthly financial performance reports and providing ad-hoc analysis to support institutional banking using OFSA (Oracle Financial Services Application)

Create & maintain complex financial modules with the ability to conduct simulation & scenario analysis.

Design and implement effective financial budgeting models using Hyperion

Monitor business performance against approved budgets and targets through conducting gap analysis for variances between actual and budget.

Developed new automated Model for projected profitability calculation using OFSA

Designed with assistance of IT new model for calculating Find Transfer Pricing per product to assess the pricing concession committee in making decisions

Developed a proficient model using OFSA for the calculation of Effective interest rate, FTP, Interest Spreads, KPI’s, RAROC and share of wallet per customer

Tracking and reporting share of wallet per customer to ensure optimal revenue generation from various streams

Financial Analyst Dec 2005 – Dec 2007

Post-month follow up and financial reconciliation for any discrepancy

Prepare loan past due & loan loss provision monthly report

Developing and launching customer profitability reports using OFSA

Perform financial analysis, profitability analysis and variance analysis Education

Master of Business Administration (MBA) 2010-2012 Institution: École Supérieure Libre Des Sciences Commerciales Appliquées/ESLSCA Area of Specialization: Global Finance

GPA: 3.75

Bachelor of Science in Business Administration 2001-2005 Institution: Faculty of Commerce (English Section) –Cairo University Area of Specialization: Accounting

General Grade: Very Good with Honor

*The Academic Credentials Evaluation Institution, Inc. [ACEI] has evaluated all the educational credentials

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