Bilingual Commercial Credit Analyst II: National Auto Credit Department at TD Auto Finance - TD Bank (2025-07 – Present)
- Evaluating credit risk exposure for automotive commercial portfolios.
- Analyzing financial statements including balance sheets and income statements.
- Conducting financial statement spreading to assess dealer profitability.
- Calculating complex financial ratios including liquidity and leverage.
- Reviewing DSCR metrics to evaluate corporate debt serviceability.
- Preparing and structuring credit memos, financing packages for senior management approval.
- Monitoring and reviewing covenant analysis reports to ensure total compliance.
- Utilizing BBHUB and CARMA platforms for credit administration.
Commercial Credit & Monitoring Analyst: Credit & Monitoring Department at TD Auto Finance - TD Bank (2023-11 – 2025-07)
- Preparing comprehensive credit reviews and loan recommendations.
- Assessing credit profiles, risk exposures, and clients' repayment capacities; advising on loan structuring and collateral requirements.
- Analyzing balance sheets, cash flows, key financial metrics, and credit histories.
- Reviewing and evaluating high-risk credit files to address and resolve escalated issues.
- Continuously monitoring borrowers' financial covenants and testing lending parameter compliance.
Credit & Collections Specialist: Credit & Collection Department at JELD-WEN Windows & Doors (2023-09 – 2023-10)
- Managing credit and collections portfolios and overseeing customer data accuracy and maintenance.
- Conducting credit underwriting and in-depth analysis of financial statements and tax returns.
- Handling the process of obtaining and perfecting various forms of collateral, including Letters of Credit, Guarantees, PMSIs, Bonds, Liens, etc.
- Reconciling accounts: addressing residual balances, resolving disputes, applying credits, and performing necessary adjustments.
Senior Financial Risk Analyst: Finance Department at Construction & Trading Group (C.A.T. GROUP) (2021 – 2023)
- Forecasting cost trends and anticipating future market developments relevant to the organization.
- Contributing to strategic business decisions through financial risk assessments and advisory input across business lines.
- Leading financial risk analysis projects, consolidating data, and producing regular reports on financial performance, sales, and emerging business opportunities.
Senior Corporate Credit Risk Analyst: Risk Department at Société Générale de Banque au Liban (SGBL) (2015 – 2021)
- Evaluating financial statements, cash flows, solvency, and liquidity ratios of corporations across various sectors to support potential local and international financing projects.
Commercial Credit Analyst: Credit Department at Société Générale de Banque au Liban (SGBL) (2012 – 2015)
- Conducting top-down analyses by examining industry-wide trends before performing detailed financial, feasibility, and cash flow evaluations of target companies.
Credit Analyst: Credit Department at BSL Bank (2009 – 2012)
- Preparing and analyzing credit files for corporates and SMEs, including in-depth industry analysis and thorough review of company financial statements.
