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Civil Engineer Financial Analyst

Leominster, Massachusetts, United States
November 25, 2018

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Alain ABAYA- ** Beacon St Clinton MA *****- cell 786-***-****


I am an active Member of the Institute of Internal Auditor (IIA). I worked for 8 years as loan officer and financial analyst in the banking industry and for 4 years in Financial Management. I also have a short experience, 7 months in Internal Auditor- I am a licensed life Insurance Massachusetts, and enroll in the Ms accounting Umass-lowell


Certified Internal Auditor Part 1 &2 The Internal Audit Activity's Role in Governance, Risk, and Control & Conducting the Internal Audit Engagement - Institute of Internal Auditor - Altamonte Springs, FL, USA - Valued team player -Known for the ability to adapt to new situation quickly -Self-motivated professional.


February 2018 as of today: General Agent American Income Life

On the top of Supervising Agent roles, Coordinate with teammate, running workshop, motivate the teammate and leadership development.

Sept 2017 to February 2018: Supervising Agent American Income Life

On the top of Agent roles, recruit and train Agents-Coaching agent in their duties- Manage business in the book Quality control- Maintain relationship

October 2016 to June 2017: Substitute Teacher Math Junior year – Clinton Public School

April 2015 to Sept 2017: Producer life insurance American Income Life (Agent)

Handles incoming calls and responds to customers inquiries, analyzes customer needs, makes product and service recommendations and professionally turns each call into a service call- Follows department policies and procedures; and ensures proper account notation and record-keeping- Focus is on revenue generation and customer satisfaction-Responsibilities include accurate and timely completion of service orders, payment posting, payment research, bill and account investigations- Supports department objectives by participating in special assignments/projects and meeting daily, weekly, and monthly department expectations.

Oct 2014 to Feb 2015 Auditor- Office d'Asurance Vehicle Contre Tiers (OAVCT) : Planned and executed operational audits of various business areas using risk-based audit, methodology-Directed and educated junior team members on auditing techniques-Reviewed the Audit procedures in place-Reviewed documents for independent auditors-Tested the design and effectiveness of internal controls

Aug 2010 to Oct 2014 -Assistant Financial Manager- VF Construction: Prepare and mail invoices to Customers- Data entry- Confirming the book with the client-Tracking payment -Monitoring and reconciliation the portfolio- aging AR- Update account receivable – Receive and reconcile bank statement –Sending reminder payment due-Receiving the vendor invoices from vendor and chief department, Verification and validation of invoice- preparing check for payment based on cash flow available- Update AP. Documentation for audit purposes.-Systematically prepared documents and assembled financial statements for independent auditors- Go-between with Banks, insurers, and External Auditors -Monitor the system of cost management for projects-Structured and Managed file to participate to the bids -Ensured the smooth running of the Department of Finance- Assisted the Manager in making strategic decisions.

Oct 2010 to Jul 2012 Teacher- Operations Research I -Introduction to econometrics University Crefima

Jul 2007 to Aug 2010 -Senior Loan Officer-Capital Bank : Managed loan portfolio -Assisted senior-level credit officers with complex loan applications-Informed the customers on the variety of loan products available and the credit options-Created financial analysis reports of commercial, borrowers' financial statements- Analyze financial statement( Analyze ratios, liquidity, AR, AP, Risk) - Reviews and market research-Prospect new customers and determine eligibility for credit-Assess periodically the financial situation of clients and financial statement to ensure the maintenance of credit quality and to highlight the strengths and weaknesses

Apr 2004 to Jun 2007 Senior Financial Analyst-Unibank : Analyzed applicants' financial status, credit and property evaluation to determine feasibility of granting loan-Educated than 300 client relationships-Analyze, process, and present in Credit Committee requests for personal and business customers on the variety of loan products and available credit options- Analyze financial statement( Analyze ratios, liquidity, AR, AP, Risk) -Effectively managed more credit,-Managed credit risk and fraud cases

Jul 2003 to Apr 2004 Junior Civil Engineer- ESC Ingenieurs Conseils: Collaborated with engineers and project managers regarding design parameters for client projects-Drafted structural framing drawings road and buildings projects-Prepared payroll

Oct 2001 to Jul 2003 Math Teacher High school - La Polyvalente de Petion ville

Jul 1998 to Jul 1998 Internship Civil Engineer- Laboratoire National du Batiment et des Travaux Publics

Under supervision perform and interpret laboratory experiments-Under supervision assume the monitoring of the Wharf and the section of road Jacmel-Marigot

Jul 1997 to Jul 1998 Junior Civil Engineer- Societe Technique d'Architecture et d'Ingenierie S.A.

Drawn plans -Supervised construction sites, buildings and wells.


In progress Ms Accounting Umass Lowell: Accounting/Managerial-Intermediate I & II- Federal Income Taxes- Cost Accounting

October 2010 to June 2014-Bachelor of Science, Law-Faculte de Droit et des Sciences

March 2002 to April 2003 DESS in Art of Financial Engineering IMAFE, Faculte des Sciencesi

Octobre 1999 to June 2003 Bachelor of Science, Economics Faculte de Droit et des Sciences Economiques

October 1995-June 2000 Bachelor of Arts, Civil Engineering Faculte des Sciences


Speak, read and write creole, French, English and Spanish (average)


Work with computer: Microsoft office / Introduction to C, ITSM, AMPL, SQL, Autocad, Accpac, CardPack, Probanks, As400

Attend seminars: Economy of Networks and Micro economy of Banking -Trade Finance - Management of small and medium enterprises, formal and informal- Tools and techniques of Internal Audit.

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