Financial Planning Due Diligence

ABU SAAD

Atlanta, GA 470-***-**** ********@***.*** https://www.linkedin.com/in/a-saad/

Financial Planning, Corporate Governance & Banking Comprehensive understanding & knowledge of financial and risk assessment. Expert in regulatory compliance, financial analysis & forecast, relationship management, portfolio Management and due diligence. Senior finance executive, developing sustainable financial and operational models, marketing & nurturing high-value business relationships, and collaborating cross-functionally to achieve corporate objectives. Build internal controls and generate financial planning/analysis mechanisms to support senior management in decision making. A team player and the go-to person for creating solutions for complex problems. Core Competencies & Technical Skills

Corporate Finance Strategy Development Financial Modeling Risk Management Due Diligence Financial Planning

& Analysis Budgeting and forecasting Financial Reporting International Trade Treasury & Banking Contract Negotiation Balance Sheet Analysis Relationship Management Microsoft Office (Word, Excel, PowerPoint, Teams) Anaplan QuickBooks Sage3000 Peachtree SAP

PROFESSIONAL EXPERIENCE

KCT CAPITAL LIMITED, Dubai, United Arab Emirates

Group providing array of financial services within investment management, fund administration, structured finance and advisory categories.

Director November 2020 – May 2023

Headed Structured Finance and International Trade desk with responsibility for managing a diverse portfolio of corporate and HNW clients. Provided advisory services to assist clients in meeting their business requirements for balance sheet management, mezzanine financing facilities, credit financing and international trade. Managed active portfolio exceeding US$ 250 million for over 30 customers, ensuring profitability, due diligence and compliance for the portfolio.

• Built and nurtured dependable relationships with clients, lenders and professional advisors.

• Designed and structured financial transactions, including securitizations, derivatives, and trade lines.

• Conducted thorough financial due diligence, credit and risk analysis while preparing financial risk models to assess the profitability and viability of every transaction.

• Researched, interpreted and advised the company regarding compliance with the laws and regulations.

• Assessed performance trends and forecast delivery by applying cost and schedule analysis methods.

• Collaborated with internal and external stakeholders to negotiate terms, secure financing, and ensure compliance.

• Formulated and reviewed legal documents, proposals, risk assessment for structured finance and trade transactions.

• Prepared regular reports and presentations for senior management, lenders, financial institutions, effectively communicating the performance and progress on prospect and on-going transactions.

• Provided leadership and managed a team of 3 relationship managers - offering mentorship, guidance and training. DIA33 LLC., Dubai, United Arab Emirates

Chemical distribution house offering customized services in industrial/specialty chemicals and related core facilities. Controller, Director Finance January 2015 – April 2020 Financial planning & analysis/budgeting and auditing besides responsibility for all accounting & corporate governance in the position of the CFO for the company.

• Developed a business and financial model that optimized Credit Receivables and Payables policies, improving cash flow and liquidity, while leading a team to foster a culture of accountability, effective communication, and analytical problem- solving.

• Conducted internal audits across the company and subsidiaries, implementing corrective actions as required and developing remedial plans to address audit findings.

• Prepared detailed reports and vendor data analysis, supporting business objectives and forecasting for senior Contd… Page 2. Controller, Director Finance

management through weekly / monthly business reports and presentations.

• Established cross-departmental strategic partnerships, ensuring the efficient exchange of information to align with organizational goals.

• Led financial planning and performance analysis, using budgeting frameworks to identify trends, forecast performance, and recommend corrective actions, minimizing forecast variance to 8%.

• Spearheaded the integration of ERP & CRM systems, migrating to a cloud-based platform via SAGE 300, which boosted customer satisfaction by 28% and increased work efficiency by 18%. FIRST ABU DHABI BANK (formerly First Gulf Bank), Dubai & Northern Emirates, United Arab Emirates UAE’s largest commercial bank offering customized financial solutions, products, and services. Relationship Manager May 2007 – November 2014

Managed corporate banking portfolio exceeding US$ 800 million consisting of semi-government and private companies in Dubai, Sharjah, and Northern Emirates in the UAE. Managed a team of relationship officers, customer service officers, and trade officers. Participated in leadership forums and training courses on behalf of the bank.

• Developed and actively managed the corporate portfolio exceeding US$ 150 million during the first year at the bank.

• Provided expert financial advice and solutions to clients, including debt financing, trade finance, balance sheet re- structuring, capital optimization, mergers and acquisitions, and due diligence.

• Conducted balance sheet analysis and risk assessments of potential and existing clients to determine their creditworthiness and the appropriate terms for credit underwriting. Presented the credit proposals and one-off transactions to the Bank’s Credit Committee.

• Collaborated with internal teams such as credit risk, legal, compliance, treasury and customer services to ensure seamless execution of financial solutions for the timely drawdowns and adherence to regulatory requirements while providing a unified and efficient service to clients.

• Exceeded yearly budgetary targets in the categories of annualized profitability, funded and non-funded income, CASA balance, and management fee income.

Previous job roles include Group Commercial Manager, Account Manager, and Dealer Treasury/Money Markets EDUCATION

UNIVERSITY OF MELBOURNE, Melbourne, Australia

Post Graduate Degree, Applied Finance.

INSTITUTE OF BUSINESS ADMINISTRATION (IBA), Karachi, Pakistan MBA. Bi-Majors, Finance and Marketing.

UNIVERSITY OF CENTRAL PUNJAB, Lahore, Pakistan

Bachelor of Arts, Business Management

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