Summary
Overview
Work History
Education
Skills
Accomplishments
Certification
Languages
Timeline
Generic

Jassim Almousa

Tampa

Summary

Financial Analyst with proven expertise in credit risk analysis, financial modeling, credit assessment, and portfolio management. Successfully improved reporting efficiency by over 40% through automation and streamlined processes. Skilled in SAP and advanced Excel, leveraging data modeling and forecasting to support strategic decision-making. Experienced in evaluating credit risk worthiness to ensure sound lending and investment practices. Known for strong analytical skills, regulatory compliance, and effective risk mitigation in fast-paced financial environments.

Overview

12
12
years of professional experience
1
1
Certification

Work History

Senior Financial Analyst

Sharetec
07.2024 - 06.2025
  • Managed a $50M+ portfolio of 100+ accounts by performing credit risk analysis, financial statement reviews, and cash flow forecasting to support lending and risk decisions
  • Conducted financial and IT project performance analysis, identifying cost trends and providing insights to improve budgeting, resource allocation, and executive decision-making
  • Collaborated with IT teams to implement ERP systems such as SAP, NetSuite, and custom GUIs, ensuring accurate data integration and enhanced financial reporting capabilities
  • Automated monthly financial reports and dashboards using Excel (VLOOKUP, PivotTables) and Power BI, reducing manual work and increasing reporting efficiency by over 40%
  • Prepared detailed financial reports for internal audits and compliance reviews, focusing on IT project costs, cost centers, and financial system transactions
  • Processed accounts receivable transactions, including generating invoices, applying cash, handling deductions, and managing credit memos to support accurate revenue tracking
  • Created interactive dashboards and reports using Power BI, Excel, and SAP Fiori to visualize KPIs, cost variances, and trends for executive-level financial reporting

Financial Analyst III

Greater Nevada Credit Union
10.2022 - 08.2024
  • Managed a diverse portfolio of over 200 commercial and consumer loans totaling more than $30 million, ensuring strong asset quality, risk management, and regulatory compliance
  • Conducted annual credit reviews by analyzing borrower financials, business trends, and tax returns to assess repayment capacity and identify potential risks
  • Performed collateral evaluations including appraisal reviews and loan-to-value calculations to ensure sufficient security for all credit facilities
  • Analyzed credit reports, risk ratings, and payment histories to monitor borrower creditworthiness and detect changes in risk exposure
  • Built advanced Excel models using VLOOKUP, IF statements, INDEX-MATCH, pivot tables, and financial ratio analysis for financial spreading, forecasting, and sensitivity analysis
  • Created and maintained real-time NetSuite dashboards to monitor portfolio performance, track KPIs, and support credit committee reporting with data-driven insights


Financial Analyst II

HSBC Bank
10.2021 - 10.2023
  • Managed a $50M+ portfolio of 100+ accounts by performing credit risk analysis, financial statement reviews, and cash flow forecasting to support lending and risk decisions
  • Conducted financial and IT project performance analysis, identifying cost trends and providing insights to improve budgeting, resource allocation, and executive decision-making
  • Collaborated with IT teams to implement ERP systems such as SAP, NetSuite, and custom GUIs, ensuring accurate data integration and enhanced financial reporting capabilities
  • Automated monthly financial reports and dashboards using Excel (VLOOKUP, PivotTables)
  • Prepared detailed financial reports for internal audits and compliance reviews, focusing on IT project costs, cost centers, and financial system transactions
  • Processed accounts receivable transactions, including generating invoices, applying cash, handling deductions, and managing credit memos to support accurate revenue tracking
  • Created interactive dashboards and reports using Power BI, Excel, and SAP Fiori to visualize KPIs, cost variances, and trends for executive-level financial reporting

Small Business Credit Analyst

SBA Government Agency
07.2019 - 10.2021
  • Assisted individuals and businesses in applying for SBA disaster loans to support recovery efforts following natural disasters and emergencies.
  • Evaluated loan applications by reviewing financial documents, credit history, and eligibility criteria to determine borrower qualification and loan terms.
  • Guided applicants through the loan process, explaining program requirements, documentation needs, and repayment options to ensure clarity and compliance.
  • Coordinated with federal, state, and local agencies to facilitate efficient processing and disbursement of disaster relief funds.
  • Monitored loan performance and compliance using Excel and SAP software, conducting periodic reviews and managing portfolio risk to minimize defaults.
  • Prepared detailed reports and summaries for management on loan approvals, disbursements, and program effectiveness using Excel for data analysis and visualization.


Underwriting Analyst

JPMorgan Chase
02.2016 - 07.2019
  • Executed comprehensive reconciliation of payments and conducted detailed evaluations of financial statements, including business/personal tax returns, fiscal year-end, and interim reports.
  • Enhanced risk assessment accuracy by thoroughly reviewing loan applications and financial documentation to verify income and assess creditworthiness.
  • Increased loan approval rates through in-depth analysis of credit data and financials, ensuring data-driven decisions.
  • Maintained a high-quality loan portfolio by minimizing defaults and maximizing returns through strategic underwriting and proactive risk management.
  • Streamlined underwriting by integrating automated tools and leveraging Excel for financial analysis (e.g., IF statements, VLOOKUP, pivot tables, and financial ratios).
  • Used Excel macros and templates to automate calculations and reporting, reducing processing time and errors.
  • Managed high volumes of applications under tight deadlines, maintaining accuracy, compliance, and efficiency.

Member Relationship Officer/Loan Servicing Associate

GTE Financial Credit Union
01.2013 - 01.2016
  • Delivered comprehensive banking services by opening and closing a variety of accounts and loans, including checking, savings, CDs, personal loans, residential loans, commercial loans, mortgages, and lines of credit.
  • Utilized DNA core banking system and GUI interfaces to efficiently process transactions, update client records, and manage loan documentation.
  • Conducted soft credit assessments to evaluate applicant creditworthiness and accurately calculate debt-to-income (DTI) ratios using Excel formulas and templates.
  • Reviewed and verified loan applications and supporting documents, improving loan approval rates while ensuring compliance with bank policies and regulations.
  • Negotiated loan terms to deliver mutually beneficial outcomes for both clients and the institution. Recommended approvals or denials based on a thorough evaluation of credit history, financial data, and risk factors.
  • Promoted bank products, services, and community initiatives, enhancing member engagement and strengthening brand loyalty.
  • Leveraged Excel to track loan performance metrics, generate reports, and support credit analysis through functions like VLOOKUP, IF statements, and financial ratio modeling.

Education

Bachelor of Arts - Business Administration

St. Petersburg College
Clearwater, FL
05-2023

Associate of Arts - Accounting

Hillsborough Community College
Tampa, FL
01-2015

High School Diploma -

Robinson Highschool
Tampa, FL
05-2010

Skills

  • Financial Systems: NetSuite, CASH Suite, FICS, FIS, SAP, GUI, CRM platforms, Salesforce
  • Credit & Risk Management: Credit risk analysis, underwriting calculations, portfolio management, forecasting trends
  • Financial Analysis: Financial statement analysis, variance analysis, account reconciliation, reconciliation monitoring
  • Accounting Operations: Accounts payable & receivable, account reconciliation, reconciliation tracking and reporting
  • Data Tools & Reporting: Advanced Excel (VLOOKUP, IF statements, pivot tables, financial modeling), CRM and banking software (DNA, GUI systems)

Accomplishments

  • Managed a $10 million federal grant for the SBA’s disaster loan program during COVID-19, ensuring compliance and effective fund allocation
  • Supervised and led a team of 15 staff members, enhancing operational efficiency and team productivity
  • Developed and implemented streamlined workflows to accelerate loan processing and improve customer service during peak demand periods

Certification

  • Cash flow cycles and analysis
  • Financial analysis for credit evaluation
  • Excel fundamentals and financial formulas for analysis

Languages

English
Native or Bilingual

Timeline

Senior Financial Analyst

Sharetec
07.2024 - 06.2025

Financial Analyst III

Greater Nevada Credit Union
10.2022 - 08.2024

Financial Analyst II

HSBC Bank
10.2021 - 10.2023

Small Business Credit Analyst

SBA Government Agency
07.2019 - 10.2021

Underwriting Analyst

JPMorgan Chase
02.2016 - 07.2019

Member Relationship Officer/Loan Servicing Associate

GTE Financial Credit Union
01.2013 - 01.2016

Bachelor of Arts - Business Administration

St. Petersburg College

Associate of Arts - Accounting

Hillsborough Community College

High School Diploma -

Robinson Highschool

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