Amgd Mohamed

Delivered on following Engagements:

Ministry of Fishers and Oceans (DFO)

Risk Transformation Program – Benefit Delivery Modernization (BDM) – ESDC Ministry

Risk Assurance - Federal Government

• Provided expert guidance on change management initiatives, leading to successful organizational transformations.
• Developed innovative strategies to address complex business challenges, resulting in increased profitability for clients.
• Presented findings and recommendations to executive-level stakeholders, effectively communicating key insights and action plans.
• Identified key areas in need of improvement and implemented plans to rectify issues.
• Identified business issues through careful collaboration with key stakeholders.
• Provided reporting for forecast analysis and ad-hoc reporting in support of decision-making.
• Presented project scopes to employees and executives, proposing timelines, budgets and specifications.
• Supported creation of detailed, technical financial models to value potential acquisition targets.
• Continuous Improvement and automation of processes
• Closely monitored and updated company systems for efficiency, output and other factors to improve overall productivity.
• Maintained database systems to track and analyze operational data.
• Tested and updated models for improvement until production level is obtained within project deadlines.
• Responsible for strategic planning and execution of reporting parts of programs, building dashboards that address programs and project level KPI's within Program
• Improved visualization and reporting of cash and accrual profile
• Performed IT audit and Internal Auditing to assist risk assurance department.
• Expanded cross-functional organizational capacity by collaborating across departments on priorities, functions and common goals.
• Applied customer feedback to develop process improvements and support long-term business needs.
• Performed statistical analyses to gather data for operational and forecast team needs.
• Accomplished multiple tasks within established timeframes.
• Developed and maintained relationships with customers and suppliers through account development.
• Evaluated suppliers to maintain cost controls and improve operations.

• Implemented process improvements within order-to-cash cycle, driving increased operational efficiency and cost reduction.
• Supported cross-functional teams by providing accurate forecasting data related to orders and revenue projections.
• Optimized cash collection procedures by closely monitoring accounts receivable, ensuring timely payments from clients.
• Monitored and maintained clean accounts receivable aging report to ensure prompt resolution of overdue balances.
• Streamlined order management processes by implementing automated systems, reducing errors and increasing efficiency.
• Maintained thorough knowledge of industry trends and best practices in order-to-cash processes to drive continuous improvement initiatives within the organization.
• Implemented customer credit policies and procedures, resulting in reduced risk exposure and improved cash flow for the organization.
• Ensured proper credit assessments were completed for new customers, minimizing financial risk for the organization.
• Analyzed and resolved order discrepancies, minimizing delays in the fulfillment process.
• Compiled budget figures by reviewing past budgets, evaluating estimated income, and assessing expenses.
• Maintained excellent financial standings by working closely with bookkeeper to process business transactions.
• Supported management by processing invoices and documents with consistent on-time delivery.
• Developed strong relationships with key stakeholders to support effective communication throughout the order-to-cash process.
• Assisted in training new team members on company-specific processes and tools used within the order-to-cash function.
• Played an instrumental role in the development of credit analysts by providing guidance, mentorship, and constructive feedback on their performance.

• Responsible for O2C activities for a portfolio of 25M CAD including credit underwriting, credit release, dispute management, cash collections and billing.
• Managed a diverse portfolio of corporate clients while maintaining strong relationships and addressing their credit needs.
• Improved decision-making processes through the creation of concise reports on key industry trends, macroeconomic factors, and borrower profiles.
• Conducted timely reviews of existing credits ensuring compliance with covenants, terms, and conditions stipulated in loan agreements.
• Streamlined the loan approval process by effectively collaborating with sales, underwriting, and operations teams.
• Responsible for country GAP assessment and customization of credit
  management processes and it’s integration with billing and invoicing.
• Contributed significantly to positive audit results by maintaining detailed documentation related to all aspects of the credit analysis process.
• Implemented robust monitoring mechanisms to track portfolio performance regularly and take corrective actions as needed to manage delinquency ratios effectively.
• Proactively identified opportunities for revenue generation within the existing client base through cross-selling other banking products and services.
• Performed credit reviews on corporations to assess financial conditions.
• Evaluated customer credit data to determine level of risk involved in money lending.
• Collaborated with other teams to identify and mitigate risks impacting organization.
• Reviewed and approved or denied credit applications to keep organization profitable by making informed lending decisions.
• Monitored credit accounts routinely to identify and mitigate issues and prevent losses.
• Attended credit-related training and conferences to stay informed about industry trends and developments.
• Conducted industry research to understand economic conditions impacting borrower ability to repay loans.
• Analyzed and monitored portfolio credit performance against expectations and recommended improvement strategies.
• Maintained compliance with applicable regulations and laws governing consumer credit.

• Reduced delinquency rates with proactive monitoring of clients'' credit performance and timely communication.
• Identified potential problem loans early on through ongoing monitoring activities, enabling prompt remedial actions when needed.
• Achieved operational efficiency via continuous improvement initiatives focused on streamlining processes within the Credit Analysis department.
• Ensured compliance with internal policies and regulatory requirements through diligent documentation of all credit decisions.
• Enhanced credit risk assessment by conducting thorough financial statement analysis and cash flow projections.
• Monitored credit accounts routinely to identify and mitigate issues and prevent losses.
• Reviewed credit reports to comprehensively view borrowers' credit history and identify potential red flags.
• Gathered loan documentation for underwriting.
• Negotiated payment plans and loan terms with delinquent customers.
• Investigated and resolved customer disputes related to credit decisions.
• Created credit policies, processes and procedures to maintain compliance with banking regulations.