Credit Risk Analyst

ROHAM ZREIK

CMA, CCP, CTP, CICP, CBCA, MBA

************@*****.***

(514) -775-6369

FINANCE, TREASURY & CREDIT RISK PROFESSIONAL

Accomplished Finance professional with a strong foundation in financial management, supported by a robust educational background and prestigious certifications including Certified Management Accountant US (CMA), Certified Treasury Professional (CTP), Certified International Credit Professional (CICP), Certified Banking & Credit Analyst (CBCA), and Certified Credit Professional (CCP). Possessing extensive expertise in Credit operations, financial analysis, and Risk management, demonstrated through successful contributions in setting up and managing credit departments, and implementing strategic initiatives to mitigate financial risks and drive sustainable business growth. A collaborative team player with a solid academic foundation and a proven track record of professional achievements.

PROFESSIONAL EXPERIENCE

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

Credit Risk Analyst

Assisted in 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.

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

Conduct comprehensive Financial Statements Analysis, interpreting key financial data and Ratios to provide insights into the customer’s performance.

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

Propose and implement strategies with clients to proactively mitigate financial risks, facilitating sustainable business growth.

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

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

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

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'17- 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 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.

Worked collaboratively with other departments, such as sales, finance, and customer service, to facilitate communication and coordination. Aligned credit strategies with overall business objectives.

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

Strong focus on Customer Service

Proficient in crafting and implementing Corporate Credit Policies

Experienced in Supervision and Management roles and KPIs

Skilled in Credit Investigation and Evaluation techniques

Familiar with various Collection methods and Legal Remedies

Intermediate proficiency in Excel

Skilled in Financial Statement Analysis

Tools (Teams, Webex, Outlook, Oracle Fin. AS400, SAP ECC, S4/HANA, and other MIS tools and applications)

Bilingual (English & French as second languages)

PROFESSIONAL DESIGNATIONS & ASSOCIATION MEMBERSHIPS

Certified Management Accountant - CMA

Institute of Management Accountant (IMA) – USA

Certified Credit Professional - CCP

Credit Institute of Canada – Toronto, On.

Certified Treasury Professional - CTP

Association of Financial Professionals (AFP) – USA

Certified International Credit Professional –CICP

National Association of Credit Management (NACM)- USA

ACADEMICS & PROFESSIONAL CERTIFICATES

Master of Business Administration (MBA)

American University of Science & Technology

Beirut, Lebanon

Commercial Banking & Credit Analyst Certificate - CBCA

Corporate Finance Institute - Vancouver, BC

Certificate in Canadian Risk Management

University of Toronto at Mississauga, Ontario

Certificate in Operations Management

University of Toronto, Toronto, Ontario

Certificate in Human Resources Management

Ryerson University; Toronto, Ontario

Bachelor of Science – Business Studies (Accounting)

Lebanese American University

Beirut, Lebanon

TRAININGS ATTENDED & OTHER EXPERIENCE

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

Project Management

Contract Management

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