Saira N. Khan

*** *. ****** **. #***

Wheeling, Illinois 60090

1-847-***-****

ad1ohc@r.postjobfree.com

PROFESSIONAL PROFILE

Highly motivated and dedicated Professional with more than 10 years of experience in the lending and credit arena. Exceptionally organized professional who manages and prioritized multiple tasks efficiently. Effectively works independently or as part of a team. Possess superior degree of integrity and discretion in handling confidential and sensitive information. Strengths include:

EDUCATION

Master of Arts: Applied Economics

Roosevelt University, Chicago, USA - 1993

Bachelor of Science: Economics, Minor in Finance

George Mason University, Virginia, USA – 1989

PROFESSIONAL CERTIFICATE: NMLS (National Mortgage License Exam for Mortgage Loan Originators)

CAREER SUMMARY

Present – Greater Nevada Credit Union (Greater Commercial Lending) – Financial Analyst (Formerly Portfolio Analyst)

Communicate directly with clients, recommending and implementing new loans, renewals, and restructures to meet client, lender, investor, participant, and Agency requirements.

Perform complete analyses of new and existing borrower(s) and guarantors(s) using internal assessment tools, the company's tax returns, financial statements, business credit reports, industry trends, third party reports, knowledge of applicable SBA/USDA regulations and conventional guidelines to create the initial credit memo including a market, credit, and collateral analyses to make informed decisions on new loans, renewals, and restructures.

Prepare complex, written credit presentations for use by credit committees, investors, participants and Agencies in making credit decisions on new, existing service requests, and delinquent loans.

Collaborate with Diversified Assets on restructuring facilities to mitigate risk and improve borrower performance.

Work closely with all GCL departments to ensure seamless transition of borrower from loan closing to portfolio monitoring or Syndication and Lending Partnerships, Investor Relations, and Diversified Assets.

2017 – 2022

Consultant – Credit Analyst (Collections & Accounts Receivables) for:

Underwriters Laboratories. (Aug 2020 – May 2022) – Credit and Collection Analyst. Managed customer A/R accounts and monitored their credits to minimize past dues and prevent unjustified credit exposures. Experienced improved DSO (Days Sales Outstanding. Setting customer’s credit limits after obtaining recommendations in COFACE. Trade Inquiries. Collections and A/R. Setting new customer’s accounts. SAGE system.

Sullair – (January 2017 – January 2018) Worked at the Air Compressor Unit in Rosemont, Illinois. Responsible for releasing orders 4 times daily, based on financial satisfaction. Collections from overseas as well. J.D. Edwards system managed. In-charge of the aging report to lowering arrears. Prepared loan packages once credit is approved to notify the customers.

PSI International (Feb. 2018 – July 2018)– Accor system. Accounts Receivable role and account reconciliation. Corporate Collections by emails and phone calls. Day-to-day responsibility for all collections processes for open receivables. Establish and manage payment plans and work with legal counsel to resolve delinquencies.

Sysco – (July 2018 – Dec 2018) SAP system. Collection’s role with cash application and A/R responsibilities. Sending emails for collection reminders through the system. Recognized to have made most collection attempts in a month. Coordinate with legal departments to compile all bankruptcy claims and maintain log of all correspondence with customers.

Axis Reinsurance (Jan. 2019 – April 2019)– Cash Application. Matching payments to the corresponding invoices. Bank reconciliation. In-house reinsurance system. Provide client service resolving billing discrepancies and short payments.

CFI Industries (April 2019 – July 2019) Credit Analyst role. Spreading and reviewing financial statements on SAP. Processed and performed underwriting of applications including personal cash flow analysis with Income statements, balance sheets, and cash flow statements. Auditing past financials to conformed to the uniformity. Recommend a credit limit for the upper management. Managing cash flow, income, liability obligations and assets. Managing and analyzing employer’s financial activity.

Revolution Dancewear (July 2019 – March 2020)– Account Receivable – taxes, credit / debit memo, refunds, collections – visual system

Loan Processor (July 2016 – sept 2017) - First Guaranty Mortgage

Tysons, Virginia

Recently worked on a contract with First Guaranty Mortgage Corporation at Tysons Corner, Virginia as a Loan Processor.

The duties included to gather the loan details and generate purchase advice for the wire department and correspondents on daily basis. Further, I had to ship, close the loan and purchase the same day for the secondary market.

Process all incoming application for conventional residential mortgage loans.

Prepare Financials (borrower income, assets, liabilities, and employment history) for each loan application before submitting to lender.

Handle incoming calls from client requesting status on their application.

Contact bank and doing third party merchant call, verify employment.

Discuss with underwriters all requirements needed for funding.

Disburse loan.

Approved with Credit signing authority SASE Level 2 on Conventional and FHA and refinance loans according to investor Guideline (FNMA-FHLMC)

Performed all data entry into Calyx Pointe.

Maintained a digital archive of all borrower documentation.

Experience with VA and FHA loans, appraisal process, TRIS, tax forms and Title/Deeds.

Consultant – Credit Analyst (Aug 2015 – May 2016) - Veritiv Corporation (Formerly: Unisource Inc.)

Chicago, Illinois

Determine customer credit worthiness. Monthly, Quarterly and Annual Reviews.

Prepared credit analysis based on financial statements review – Income statements, balance sheets, and cash flow statements.

Developed effective working relationships with business sales/finance and external customers. Identify account with potential bad debt risk.

Adhered to company credit policies, procedures and best practices. Made credit decision based on financial analysis and other indirect information. Fundamental understanding of credit and bankruptcy laws and procedures.

Interpreting market factors and risk; and operation, accounting, finance and collections.

Auto-scoring of customer’s creditworthiness thru Oracle. Checked aging and collections screens in Oracle. Overall wide use of Oracle on day-to-day basis. Daily usage of DNB with researching customer’s predictive scores, aging, public filings and other analysis. Massive use of Excel for spreading, charts / tables, macros, formulations, and various organization tools.

Aug. 2010 – June 2014 Credit Analyst Qatar National Bank

Kuwait

Reporting directly to Head of Corporate Banking and supporting Relationship Managers in monitoring developments in existing client relationships to ensure credit safety of the relationship.

Writing up new & existing credit proposal and checking if they are as per the Credit policy and norms, and as per stipulated timelines. Also adhering to standards, audit findings, and to regulatory guidelines.

Performing financial spreads on Moody’s Financial Analyst software. Analyzing comprehensively the resulted ratios and numbers to make recommendations. Extensive use of excel.

Responsible for credit appraisal and monitoring process.

Portfolio Management – overseeing QNB’s loan portfolio, recommendation of approving and denying credit, as well as recovering assets.

Worked with senior management team to develop guidelines and a strategy regarding QNB’s lending activities. Also, worked with trade finance on LC’s and LG’s.

Responsible for writing memorandums, call reports, renewals of proposals and credit proposals as well. Working with Financial Statements and break down of them from ratio analysis perspective.

Jan.2006 – Jun2008 Credit Analyst/Asst. Manager BANKMUSCAT INT’L

Manama, Bahrain

Reporting directly to Head of Corporate Banking and supporting Relationship Managers in monitoring developments in existing client relationships to ensure credit safety of the relationship.

Writing up new& existing credit proposals and checking if they are as per the Credit policy and norms, and as per stipulated timelines. Also adhering to standards, audit findings, and to regulatory guidelines.

Preparing financial and non-financial write-ups for conventional as well as Islamic Banking.

Performing financial spreads on Moody’s Financial Analyst software. Analyzing comprehensively the resulted ratios and numbers to make recommendations. Assessing the client’s assets, creditworthiness and potential collateral, and working closely with the risk officers to get through the complex loan process.

Responsible for writing memorandums, call reports, renewals of proposals and credit proposals as well. Working with Financial Statements and break down of them from ratio analysis perspective.

Jan. 2000 – Jan.2004 Account tech USMTM-US FEDERAL GOVERNMENT

Riyadh, Saudi Arabia

Charged expenses to accounts by analysing invoice/expense reports and recording entries.

Paid vendors by monitoring discount opportunities, verifying federal id numbers, scheduling and preparing checks, resolving purchase order, contract, invoice, or payment discrepancies and documentation, insuring credit is received for outstanding memos and issuing stop-payments or purchase order amendments.

Paid employees by receiving and verifying expense reports and requests for advances; preparing checks.

Maintained accounting ledgers by verifying and posting account transactions.

Verified vendor accounts by reconciling monthly statements and related transactions.

Accounts Receivable and Collections. Use Government system n software.

TECHNICAL SKILLS: Microsoft Office Suite Applications: MS Outlook, MS Word, MS Excel (V-Lookup and pivot tables), MS PowerPoint, SAGE, SAP, J.D. Edwards, Oracle, and Peoplesoft.

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