Rashed I. Email & Phone Number

Doha, Qa

Doha, Qatar

Prepare financial models and conduct pre-feasibility analyses for major banks and SMEs for GCC clients.Develop complex financial models for performance analysis, forecasting, and strategic decision-making.Conduct variance analysis to identify key drivers impacting performance.Gather, filter, analyze, and interpret data, and use data visualization for effective management decision-making.Expertise in financial modeling and forecasting, risk assessment and management, and investment analysis and evaluation.Key Achievements:Revenue Growth: Achieved a +3% increase in revenue growth.Cost Efficiency: Realized a -7% reduction in cost overruns.Forecast Accuracy: Attained a +15% improvement in forecast accuracy.Risk Exposure: Achieved a -30% reduction in risk exposure.Investment ROI: Increased return on investment by +6%.

Dhaka,Bangladesh

Performed credit administration, financial analysis, monitoring, and due diligence reviews for various financial packages and loan origination processes.Analyzed financial information such as balance sheets, income statements, cash flows, and tax returns to assess the strengths, weaknesses, and risks associated with loan packages.Ensured that all assigned loans were correctly risk-rated, assigned loss given defaults, and had accurate performance statuses.Complied with credit administration practices as outlined in the bank's policy and procedures.Key Achievements:Successfully reduced non-performing loans by 15% within the first year through proactive risk management strategies.Achieved a 10% increase in the overall credit portfolio's quality, leading to improved bank ratings.Implemented an advanced risk assessment model, resulting in a 20% reduction in credit losses over the previous fiscal year.Identified and mitigated potential credit risks, leading to a 25% decrease in loan delinquencies.Streamlined the credit approval process, reducing turnaround time by 30%, enhancing customer satisfaction and increasing loan approvals.Improved client satisfaction by 20% through regular communication and personalized financial solutions, resulting in increased client retention.Identified and pursued new business opportunities, contributing to a 15% growth in the bank's loan portfolio and interest income.Ensured 100% compliance with regulatory requirements by implementing robust credit risk policies and procedures.Developed and implemented data-driven credit scoring models, resulting in a 25% improvement in accuracy and efficiency.Trained and mentored junior analysts, improving the team's overall efficiency and accuracy in credit assessments.

Bangladesh

Performed credit appraisals and wrote credit reports involving thorough industry analysis, in-depth business model assessments, and evaluations of the financial viability of projects. This included financial spreading and projections, as well as making credit rating recommendations.Conducted business, management, financial, and industry analysis, prepared score sheets based on these analyses, and presented them to the rating committee to approve final ratings.Led assignments for corporate sectors, small and medium enterprises (SMEs), and agricultural clients across various banks.Executed comprehensive financial and credit risk analysis, including balance sheet and ratio analysis.Recommended credit and bank loan ratings for various counterparties, credit facilities, and instruments.Spreads financials and drafts financial projections in consultation with clients as needed.Verified documents such as sanction letters and borrowers' past performance, and reviewed other relevant documents related to bank loan ratings.Initiated factory business visits to assess operational risks and incorporated findings into the rating report.Key Achievements:Improved credit rating accuracy by implementing a standardized scoring system, resulting in a 15% reduction in rating discrepancies.Streamlined the credit appraisal process, reducing report preparation time by 20% through enhanced data analysis and documentation procedures.Enhanced the accuracy of financial projections by developing a more robust financial spreading model, leading to a 10% improvement in forecasting reliability.Strengthened risk assessment protocols by initiating on-site factory visits, resulting in a 25% increase in identifying potential operational risks before finalizing credit ratings.

Masters In Business Administration, Business Administration And Management, General

Activities and Societies: Ex-Team leader KUBS youth entrepreneur club

Bachelor Of Business Administration (Bba), Business Administration And Management, General