ROHAM ZREIK

CMA, CTP, CICP MBA

ad1yu9@r.postjobfree.com

(514) -775-6369

CREDIT RISK PROFESSIONAL

Results-driven and detail-oriented Credit Analyst/Accounts Receivable Specialist with a proven track record of success in establishing and optimizing credit departments for global organizations.

PROFESSIONAL EXPERIENCE

Mitsubishi Heavy Industries (MHI) – Boisbriand, Quebec May'20-Current

Commercial Regional Jet Program (Previously Bombardier CRJ)

Credit Analyst/Account Receivable Specialist

Spearheaded the setup of the newly established Credit department for MHI during the transition of the Bombardier CRJ business segment.

Ensured a seamless transition of customer accounts from Bombardier Inc. to Mitsubishi Heavy Industry.

Managed disputed bills and negotiations, consistently bringing payments within agreed terms.

Conducted accounts reconciliations, ensuring accurate and timely posting of customers' payments.

Played a key role in the credit decision process, from initial credit applications to Dun & Bradstreet risk report analysis.

Collaborated with internal stakeholders to conduct thorough assessments of risks associated with specific transactions, providing insightful analysis and recommendations.

Oversaw accounts receivable forecasting activities, providing accurate and timely insights into cash flow projections, supporting strategic decision-making.

Proposed and implemented strategies with clients to proactively mitigate financial risks, facilitating sustainable business growth.

Successfully reduced disputed balance on purchased A/R from CAD 4M to less than CAD 350K within the first six months.

Freelance Financial Analyst/Consultant Aug'18- Dec’19

Prepared Business Plans and Feasibility studies and for SME's in the Middle East & Africa

Developed Internal Control and Finance Systems for newly established business ventures.

Groupe Publicis France – UAE/ Lebanon, June'14-Aug'17

East Mediterranean Area Regional Credit Controller

Established the Credit Control Department, formulating strategic credit policies aligned with the group's corporate strategy.

Managed a global multidisciplinary team within the Credit department, fostering a collaborative and high-performance work environment.

Successfully led the team through various initiatives, ensuring effective communication and coordination across diverse functions.

Reduced average Days Sales Outstanding (DSO) from 93 to 45 days within the first half of the first year.

Collaborated with IT and other departments to develop, enhance, and implement credit scoring and data analytic tools.

Conducted credit investigations and evaluations, approving new customer accounts, and assigning credit limits.

Prepared monthly KPIs and various reports for management.

Advised management on liquidity, cash position, and other banking relationship tasks.

Ecolab Canada Inc.- Mississauga, Ontario Jul'07-Feb'11

Credit Officer

Set credit limits based on findings, patterns, and trends for new and existing customers.

Monitored customer business performance to assess risk and minimize credit losses while maximizing growth.

Coordinated outsourced collection activities and reported delinquent accounts to sales managers.

Proactively monitored bankruptcies, implementing effective recovery strategies to minimize financial losses and safeguard organizational interests.

Mobile Telecom Company of Lebanon Jan'04-Jun'07

Credit Officer

Executed credit and collection procedures following policies and guidelines.

Invoiced wholesalers, dealers, and distributors.

Reviewed accounts receivable daily and contacted customers for outstanding invoices.

Schneider Electric Industries – Middle east & North Africa Jan'02-Jan’04

Senior Accountant

Conducted daily accounting data entry, updated fixed assets files, and prepared monthly closing and cost accounting reports.

Monitored and reviewed accounting and related system reports for accuracy and completeness.

Prepared payroll entries, invoices, and other accounting documents

COMPETENCIE AREAS

Treasury Management, Working capital Management & Credit Management

Planning, Budgeting & Forecasting

Performance Management & KPI’s

Cost Management

Internal Controls

Intermediate Excel

Financial Statement analysis

Risk Management

Tools (Teams, Webex, Outlook, Oracle Fin. AS400, SAP and other MIS tools and applications)

PROFESSIONAL DESIGNATIONS & ASSOCIATION MEMBERSHIPS

Certified Management Accountant - CMA

Institute of Management Accountant (IMA) – USA

Certified Treasury Professional - CTP

Association of Financial Professionals (AFP) – USA

Certified International Credit Professional –CICP

National Association of Credit Management (NACM)- USA

Certified Credit Professional - CCP – In progress – Credit Institute of Canada – Toronto, Ontario.

ACADEMICS & PROFESSIONAL CERTIFICATES

Certificate in Canadian Risk Management

University of Toronto

Certificate in Operations Management

University of Toronto

Certificate in Human Resources Management

Ryerson University; Toronto, Ontario

Master of Business Administration (MBA)

American University of Science & Technology

Beirut, Lebanon

Bachelor of Science – Business Studies (Accounting)

Lebanese American University

Beirut, Lebanon

TRAININGS ATTENDED & OTHER EXPERIENCE

Credit Institute of Canada – Professional development (Short Modules) in progress

Dun & Bradstreet North America. Risk Data Base user/Credit Analyst full training. - 2020/21

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