Location: Qatar
Sector: Finance, Accountancy, Insurance
Experience:
Credit Analyst
Qatar Finance House
11/2019 – Present Doha, Qatar
• Conducted comprehensive Credit Risk Assessments by analyzing clients’ financial statements and credit data to determine lending risk and establish appropriate credit limits, ensuring alignment with the organization’s risk appetite and regulatory requirements.
• Designed and developed the Expected Credit Loss (ECL) Portfolio using advanced Financial Modeling techniques in Microsoft Excel, resulting in improved financial forecasting accuracy and a significant reduction in credit risk exposure.
• Managed provisions for non-performing clients and the Expected Credit Loss (ECL) Portfolio for performing clients, while evaluating creditworthiness and maintaining accurate credit ratings.
• Prepared detailed risk assessment reports on portfolio risk exposure, providing actionable recommendations to enhance portfolio quality and ensure compliance with regulatory standards.
• Developed tailored financial models for data analysis and credit risk assessment, driving reduced non-performing loans (NPL) and enhanced credit portfolio management.
Credit Officer
Alshamal Islamic Bank
07/2016 – 12/2018 Khartoum, Sudan
• Optimized profitability by overseeing financing operations, processing check collections, and managing returned checks efficiently.
• Conducted in-depth analysis of feasibility studies provided by clients, evaluating potential returns for various Islamic financing products (Murabaha, Musharaka, and Mudaraba).
• Oversaw letters of guarantee and documentary collections for both export and import transactions, ensuring meticulous verification of all documentation to uphold compliance and accuracy.
• Monitored and reconciled credit accounts within the general ledger and balance sheet, while preparing comprehensive credit reports (daily, weekly, monthly, and annually).
• Provided expert financial planning advice to clients by assessing their financial situations and designing tailored strategies to achieve their financial objectives.
Finance Officer
Alshamal Islamic Bank
01/2015 – 06/2016 Khartoum, Sudan
• Conducted daily audits of financial statements to ensure accuracy and identify discrepancies, maintaining error-free records.
• Promoted compliance awareness and risk management practices across departments, fostering strong inter-departmental collaboration to enhance customer service efficiency.
• Prepared monthly financial statements to accurately reflect the organization’s financial position, ensuring the validity and integrity of all balances.
• Executed year-end financial closure by meticulously reviewing and confirming balances across all financial statements, ensuring compliance with regulatory standards.
• Developed and monitored accurate and systematic budget estimates, providing detailed reports on the implementation of approved budgets to support strategic decision-making.
Customer Relations Officer
Alshamal Islamic Bank
07/2013– 12/2014 Khartoum, Sudan
• Assisted customers in account opening processes and ATM card issuance, ensuring accurate entry of customer data into the bank’s system.
• Identified customer needs and delivered tailored banking solutions to meet their financial requirements.
• Educated customers on available banking products and services, as well as resolving technology-related inquiries.
• Maintained strict confidentiality of customer and bank information while effectively communicating customer feedback to relevant departments.
Operations Officer
Alshamal Islamic Bank
07/2011 – 06/2013 Khartoum, Sudan
• Processed outgoing and incoming checks through the electronic clearing system, ensuring accuracy and compliance with banking regulations.
• Conducted thorough reviews of checks and provided timely responses regarding their approval or rejection.
• Conducted daily reconciliation of cleared checks, identified discrepancies, and transferred differences to the central clearing room, ensuring trial balance accuracy at the end of each working day.
• Communicated effectively with customers to provide updates on the status of their submitted or sent checks, ensuring a high level of customer satisfaction.
Bank Teller
Alshamal Islamic Bank
07/2009 – 06/2011 Khartoum, Sudan
• Processed a variety of banking transactions, including transfers, check cashing, deposits, and withdrawals.
• Verified checks for accuracy, ensuring they were properly written, dated, and compliant with banking standards.
• Conducted daily reconciliation of teller balances with the bank treasury and overall treasury, ensuring financial accuracy and consistency.
• Monitored cash balances in the trial balance, identifying and resolving discrepancies to maintain error-free records.
• Completed all assigned tasks within negotiated deadlines, adhering to legal requirements and maintaining high operational efficiency.
Education:
• Master of Science in Accounting and Finance
Sudan University of Science and Technology
11/2007 – 11/2010 Khartoum, Sudan
• Bachelor’s Degree in Banking and Financial Studies
Sudan Academy for Banking and Financial Sciences
10/2001 – 10/2006 Khartoum, Sudan
• Diploma in Computer Studies
Sudan Academy for Banking and Financial Sciences
10/2001 – 10/2006
Languages:
Arabic - English CV attached: CV_9085
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Posted by:
Mohamed Elnasir  27/05/2025
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