Jassim Almousa
Sterling Heights,MI
Summary
Highly motivated and goal-driven Financial Analyst skilled in collecting, monitoring and studying data to analyze financial status and recommend business strategy. Experienced in qualitative and quantitative analysis, contract management and forecasting. Tech-savvy in use of spreadsheets, accounting and financial management software.
Overview
11
11
years of professional experience
1
1
Certification
Work History
Financial Analyst II
Greater Nevada Credit Union (GNCU)
10.2022 - Current
- Achieved significant cost savings by identifying financial inefficiencies and implementing improved processes.
- Streamlined financial reporting for better decision-making with clear, concise analysis and presentation.
- Reviewed financial reports and streamlined operations to increase productivity and company profits.
- Utilized advanced Excel functions such as pivot tables, VLOOKUPs and macros to streamline manual tasks associated with data entry and analysis.
- Develop robust short-term and long-term forecasts (P&L, Balance Sheet, Cash Flow, and Credit Profile) to help shape future expectations for the company.
- Interpreted financial statements and data to identify trends, variances and potential risks in accordance with Generally Accepted Accounting Principles.
- Optimized cash flow management through meticulous tracking, forecasting, and proactive communication with stakeholders.
- Trained junior analysts on best practices in financial modeling, contributing to a stronger overall team performance.
- Improved decision-making processes with accurate data analysis and visualization techniques.
Portfolio Analyst III
HSBC Bank
10.2021 - 10.2022
- Analyzed and assessed the financial statements and credit history of existing & potential clients
- Undertaken risk analysis by developing financial models of material credit exposures, including “what-if” scenarios, to determine the creditworthiness of applicants and minimize potential credit losses.
- Supported senior management in making informed decisions through the generation of detailed reports and presentations.
- Provided support for client accounts, including onboarding new investors, monitoring compliance with regulations, and managing account documents.
- Developed financial models to analyze and forecast the performance of multiple portfolios.
- Collaborated with other teams such as legal, compliance, accounting, finance, technology, as needed.
- Managed daily operations, including reconciliation of positions, trades, cash flows, and security pricing data.
- Maintained relationships with external custodians, brokers, advisors, and other counterparties.
- Utilized risk management techniques to identify potential risks in portfolios.
- Drew charts and graphs, using computer spreadsheets, to illustrate technical reports.
Small Business Credit Analyst
SBA Government agency
07.2019 - 10.2021
- Point of contact for all incoming loan document packages & paperwork and ensuring closing details comply with state and federal regulations
- Enhanced small business credit decision-making by conducting thorough financial analysis and risk assessments.
- Supported the approval of credit applications for small businesses through comprehensive research and evaluation.
- Collaborated with other analysts to share insights and develop best practices for credit analysis processes.
- Contributed to increased profitability of the bank''s small business portfolio through precise evaluations of loan applicants'' repayment capacities.
- Participated in regular meetings with clients, presenting detailed financial analysis findings and clarifying any questions or concerns.
- Reviewed credit reports to comprehensively view borrowers' credit history and identify potential red flags.
- Assessed credit risk and analyzed financial statements.
Underwriter Specialist II
JPMorgan Chase Bank
03.2016 - 07.2019
- Executed reconciliation of all payments and evaluated all financial statements (business and personal tax returns, fiscal year-end and interim statements and personal financial statements).
- Improved risk assessment accuracy by conducting thorough reviews of loan applications and financial documents.
- Enhanced underwriting efficiency with the implementation of an automated system for managing application data.
- Improved loan approval rates by meticulously analyzing credit data and financial statements.
- Played a key role in maintaining a high-quality loan portfolio, minimizing defaults and maximizing returns for the organization.
- Built strong relationships with clients, fostering trust and loyalty in the company''s services.
- Streamlined underwriting processes for increased efficiency, implementing automated tools and software.
- Balanced multiple priorities while managing high volumes of loan applications during peak periods, consistently meeting deadlines without compromising quality or accuracy.
Member Relationship Officer/Loan Associate
GTE Financial Credit Union
01.2013 - 01.2016
- Demonstrated banking services & products, opened lines of credit, checking accounts, saving accounts, mortgages, CDs, personal loans, residential loans and commercial loans.
- Improved member satisfaction by providing exceptional customer service and addressing concerns promptly.
- Enhanced member relationships through proactive communication and personalized recommendations for financial products.
- Promoted credit union events and community initiatives, strengthening brand awareness and loyalty among members.
- Enhanced loan approval rates by efficiently reviewing and verifying applicant information.
- Managed a diverse portfolio of loans spanning multiple industries, demonstrating adaptability and expertise across sectors.
- Negotiated loan terms to provide favorable outcomes for both customers and lenders.
- Recommended loan approvals and denials based on customer loan application reviews.
Education
Bachelor of Arts - Business Management -
St. Petersburg College
Tampa, FL01.2023
Associate Degree - Business Management
Hillsborough Community College
Tampa, FL01.2015
Skills
- Revenue trend analysis
- Financial statement analysis
- Auditing
- Financial Modeling
- Portfolio Management
- Knowledge of DNA, CASH, FICS, FIS and SAP software
- Excellent attention to detail
- Business Relationship Management
- Risk Mitigation
- MS Excel expert
- Data Analysis and Data trending
- Banking Operations Proficiency
Accomplishments
- Lowered company costs by 15% through accurate financial modeling, budgeting and process improvement.
- Used Microsoft Excel to develop inventory tracking spreadsheets.
- Supervised team of 8 staff members.
References
References are available upon request.
Certification
Cash Flow Cycles and Analysis
Languages
Arabic
Native or Bilingual
Timeline
Financial Analyst II
Greater Nevada Credit Union (GNCU)
10.2022 - Current
Portfolio Analyst III
HSBC Bank
10.2021 - 10.2022
Small Business Credit Analyst
SBA Government agency
07.2019 - 10.2021
Underwriter Specialist II
JPMorgan Chase Bank
03.2016 - 07.2019
Member Relationship Officer/Loan Associate
GTE Financial Credit Union
01.2013 - 01.2016
Bachelor of Arts - Business Management -
St. Petersburg College
Associate Degree - Business Management
Hillsborough Community College
Cash Flow Cycles and Analysis
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