Manager Accounting

Sameeh Usman

Mobile No. : +971********* Email Id : ******@*****.***

BANKING, CREDIT ANALYSIS AND SALES COORDINATION ACCOMPLISHMENTS

**** – 2020, Emirates NBD, Dubai, UAE.

Proficient analyzing financial statements, assessing risk, and evaluating credit worthiness of the customer by verifying and examining information and accuracy of Application(Credit Card, Personal Loan), KYC and financial documents of the customers as per the policy

Evaluate Application(Credit Card, Personal Loan) according to policy guidelines, ensuring that strict adherence to credit approval process is followed.

Ensuring that Credit is approved based on risk acceptance criteria set by Credit Policy, ensuring compliance with the bank laws and regulations of central bank

Detail analysis of financials (bank statements and other statement)

Reviewing Al Etihad Credit Bureau(AECB) report for debt burden and credit history of existing cards and loans including thorough internal system check to ensure customer's existing relationship with the bank is satisfactory

Well aware of negative checking such as Emcredit, Internal Watch List and World Check

Use internal calculator for assigning EMI.

Recommended after a thorough review of Customer profile, company Profile & company financial situations

Sourcing Application(Credit Card, Personal Loan) according to policy guidelines and procedures - KYC review, discrepancy findings and rectification as and when required during Sourcing and Encode customer's information into system and followed up with processing team for Approval, Customer and Employer verification and Disbursal(Partial to Fully) process.

Ensure that regular feedback and clarity of communication to sales regarding daily application

Interact with department colleagues and initiate process for improvement

Maintain strict confidentiality on all accounts, including bank products and policies

Provide quality Turnaround Time (TAT) to business units as per Service Level Agreements (SLA).

FINANCE AND ACCOUNTING ACCOMPLISHMENTS

2011 – 2012, ETA, Dubai, UAE

2009 – 2011, A.P.MOLLER-MAERSK GROUP, MAERSK GLOBAL SERVICE CENTRE, Chennai, India

Qualified professional with comprehensive experience in Finance & Accounting

Responsible for handling activities in accounts payable and receivable

Responsible for preparing cheques, payments vouchers, receipt vouchers, bank deposits, other accounting forms and accuracy in controlling cash/cheque

Processed and Researched the vendor invoice

Processed the vendor payment as per the terms of payment, vendor and employee payment inquiries

Reconcile vendor statements, research and correct discrepancies

Prepare manual cheques as when required

Match invoices to cheques, obtain all signatures for cheques and distribute cheque accordingly

Processed the customer receipt and tracking of receipts and sorting out pending issues with customers by taking proactive role in managing and collecting debts of company debtors

Allocate receipts to invoices and credit notes to ensure that debtor information is accurate

Monitoring the credit limit of the customers

Reconciliation between bank to vendor/customer account and Inter-Company Reconciliation

Prepared monthly entries to the general ledger and prepared corresponding account reconciliations and assisted in the monthly closing process

Preparing monthly reports of company expenses and Audit finalization

Prepared Vendor and Customer ageing report and submit to Finance Manager

Every month reporting to Finance Manager about company accounts

Payroll preparation for employee salary and workmen wages by calculating time details and other duties

Confirmed and verified account numbers, maintain employees records and prepare annual leave benefit

Handled the tasks of providing administrative support through drafting official correspondence of the company, filing, typing, and data entry

Responsible for handling international processes surrounding the collection, settlement, general ledger, month end closing and many more official duties.

FINANCE, ACCOUNTING, BANKING, AND BUSINESS DEGREES

Master of Business Administration, (Finance Concentration) B.S.A. Crescent Engineering College, Anna University, India (2007-2009)

Bachelor of Commerce (Commerce and Accounting Concentration) Jamal Mohamed College, Bharathidasan University, India (2004-2007)

Banking Practices and Law, (Banking and Law Concentration) Emirates Institute for Banking and Financial Studies, UAE (2016)

SAP – FICO, (Finance and Accounting Concentration) Reliance Global Services PVT LTD, India (2010)

TECHNOLOGY SUMMARY

Operating system known – WINDOWS 10/7/XP/2000/98/95 and Server 2003/ 2008

Package working with – MS-OFFICE (Word, Excel, PowerPoint, Outlook)

(ERP) software working with – SAP FI CO

Pay roll software working with – ORBIT

Knowledge of Various CREDIT SYSTEM

DECLARATION

I hereby declare that all the above furnished information are true and correct to the best of my Knowledge.

Dubai, UAE. (SAMEEH USMAN AA)

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