Sahar Saleh
London,Ontario
Summary
Diligent Accountant with strong accounting background and proven industry expertise. Monitored business operations and regulatory compliance for large corporation. Superior account management and reconciliation skills leading to achievement of desired results. Analytical and insightful Client Service Associate, known for high productivity and efficient task completion. Possess specialized skills in financial analysis, risk assessment, and regulatory compliance. Skilled at leveraging critical thinking, problem-solving, and communication to navigate complex credit environments and make informed decisions. Excel in teamwork and adaptability, ensuring seamless collaboration with colleagues to achieve optimal outcomes.
Overview
15
15
years of professional experience
Work History
Client Service Associate – Commercial Banking
Bank of Nova Scotia
London, Canada
11.2022 - Current
- Process Credit presentations (Annual Review, increase facilities and onboarding Clients) in line with defined polices (corporate and personal guarantee, specific and general securities and collaterals), Contact clients for financial reporting and spread Financial Statements and analyze it, Projections and Borrowing bases, review results, escalate any signs of deterioration and update appropriate systems
- Conduct thorough analysis of financial statements and assessment of credit requests, including new requests, changed requests, refinancing and annual due diligence
- Supporting the collection of information directly from clients and from various sources necessary to assess the client’s risk profile to ensure the Bank meets its regulatory requirements related to KYC, AML, etc
- Analyze credit data and financial statements to determine the degree of risk involved in extending credit
- Maintain and follow up pending security documents list and fulfil pending documentation through direct contact with the respective Relationship Managers and Customers
- Assist with completion of conditions precedent, diligence, and any other requirements necessary to obtain approvals
- Ensure that original security and facility documents are in Bank’s safe custody before funding
- Preparing covenant checklists, securities and collateral, Transaction Summaries, and presentation materials
- Assist in monitoring and carrying out CRM portfolio maintenance, by assisting to avoid or minimize having Past Due Annual Reviews, expired limits, overstepping, discrepancies and other credit related issues affecting the delivery of service to the customers
Senior Benefit Pension Administrator
CIBC Mellon
London, Canada
01.2021 - 07.2022
- Responsible for providing accurate and timely pension payroll for approximately 7,000 to 10,000 pensioners monthly, comprised of 15-25 corporate pension plan sponsors
- Responsible for protecting and managing large volumes of personal information on a daily basis
- Responsible for all plan activities including new pensioner set-ups, lump sum payments and pensioner maintenance
- Responsible for the accurate and timely completion of large volume transaction processing via electronic file including new business set-ups, pensioner increases, monthly withdrawals, Beneficiaries, deceased pensioners, surplus payments, reissuing chqs, loading eft files and other adjustments
- Review client instructions for completeness and identify inconsistencies with respect to such things as; income tax, plan types or irregularities, follow-up or escalate as required
- Liaise with internal departments, for example, Relationship Management, Institutional & Pension Accounting and Fee Billing, to resolve client issues
- Develop expertise on system features and functions used within the department including the benefit payment system, mobius, Pensioner Information Network and Lotus Notes
- Prepare payroll related filings and supporting documentation, such as year-end tax statements, pension, Records of Employment, and other statements
- Provide information on payroll matters, benefit plans and collective agreement provisions
- Compile, review, and monitor statistical reports, statements, and summaries related to pay and benefits accounts
- Prepare and balance period-end reports and reconcile issued payrolls to bank statements
- Identify and resolve payroll discrepancies
Senior Accountant
Grillo Holding
Taanayel, Lebanon
09.2016 - 09.2020
- Review and manage accounts payable and receivable
- Review and analyze financial data and create reports on financial status based on the analysis results
- Manage the full payroll cycle, including data collection, payroll computation, and disbursement of salaries
- Create timely and accurate accounting reports and present them to company's executives and senior management
- Develop recommendations to optimize company's accounting systems and procedures and detect inaccuracies
- Support and consult company's personnel on accounting control procedures
- Supervise accounting assistants and bookkeepers, plan their work and assign tasks
- Take part in forecasting and financial standards setting processes
- Participate in department’s goal setting activities and month-end and year-end close processes
- Organize financial statements and budget preparation, accurately and timely
- Support and oversee tax audits (both internal and external) and tax returns
- Support business processes and accounting policies and prepare corresponding documentation
- Ensure that accounting procedures comply with GAAP requirements
- Work together with financial and accounting managers to optimize financial operations
Senior Credit Officer
Nirvana Travel and Tourism
Abu Dhabi
09.2014 - 08.2016
- Company Overview: https://www.linkedin.com/company/2576371/
- Provide research and support for audit requirements
- Setting credit limits for new and existing customers
- Work with colleagues in the Sales and Operations departments in order to research and resolve deductions and chargebacks
- Follow through on “action items” and various projects assigned by direct supervisor
- Conduct daily collection calls and proactively monitor outstanding account receivables in accordance with the company’s collection process; Manage clients accounting by sharing past dues with the team and sending payment reminders as needed
- Actively monitor and document customers whose aging becomes severe
- Receive, review, and resolve customer questions and issues regarding account balances in a courteous manner
- Participate in special projects and perform other activities as needed
- Work with Billing Team to resolve systemic billing process issues and contribute to continuous process improvement
- Provide collection progress updates
- Distribute monthly client AR statements
- Reconcile AR records to client records (invoices, payments, credits, etc), as needed
- Assist in developing cash receipts forecast based on client collection activity
- Https://www.linkedin.com/company/2576371/
Senior Accountant
L’Origine manufacturing Company
Bekaa, Lebanon
09.2011 - 07.2014
- Posted Cash and Cheques to customer accounts
- Manage the full payroll cycle, including data collection, payroll computation, and disbursement of salaries
- I created and implemented a comprehensive billing, credit and collection policies and related procedures for the department
- Managed Accounts Receivable documents, handled all ingoing and outgoing invoices, and took care of their data entry into the computer on a daily basis
- Tracked delinquent accounts and contacted clients to discuss timely payments
- Prepared credit reports and verified credit information
- Preparing sales invoices & the upkeep of an accurate accounts filing system
- Preparation and input of month end journal vouchers
- Inputting, matching, batching and coding of invoices
- Debtor and Creditor reconciliations
- Preparation of various reports for senior managers
- Responsible for financial accounts including budgets and cash flow
- Supervising junior financial staff
- Conversant with VAT reconciliations
- Conducting regular business reviews of financial performance
- Proactively identifying business improvement opportunities
- Fixed Asset accounting, reconciliations and depreciation journals
- Ensuring that information is accurately collated & entered into systems
- Preparation of biweekly invoice and expense claim payment runs
- Assist in the preparation of monthly Budget & Balance Sheet account reconciliations
- Inputting of supplier invoices and employee expense claims to the ledgers
Accountant
L’Origine Manufacturing Company
Bekaa, Lebanon
08.2009 - 08.2011
- Prepares asset, liability, and capital account entries by compiling and analyzing account information
- Documents financial transactions by entering account information
- Recommends financial actions by analyzing accounting options
- Summarizes current financial status by collecting information; preparing balance sheet, profit and loss statement, and other reports
- Substantiates financial transactions by auditing documents
- Maintains accounting controls by preparing and recommending policies and procedures
- Guides accounting clerical staff by coordinating activities and answering questions
- Reconciles financial discrepancies by collecting and analyzing account information
- Secures financial information by completing data base backups
Education
Master Degree - Business Administration
AUL University
01.2014
Bachelor Degree - Banking And Finance
LIU University
01.2008
Skills
- Payroll Administration
- Financial Reporting
- Tax Preparation
- Payroll Management
- Financial statement preparation
- Management accounting
- Cash Flow analysis
- Financial Analysis
- Regulatory Compliance
- MS Office Suite
- Financial Portfolio Management
- Quantitative and analytical skills
- Credit and collections analysts
- Attention to detail
- Communication skills
- Multitasking abilities
References
Available Upon Request
Timeline
Client Service Associate – Commercial Banking
Bank of Nova Scotia
11.2022 - Current
Senior Benefit Pension Administrator
CIBC Mellon
01.2021 - 07.2022
Senior Accountant
Grillo Holding
09.2016 - 09.2020
Senior Credit Officer
Nirvana Travel and Tourism
09.2014 - 08.2016
Senior Accountant
L’Origine manufacturing Company
09.2011 - 07.2014
Accountant
L’Origine Manufacturing Company
08.2009 - 08.2011
Master Degree - Business Administration
AUL University
Bachelor Degree - Banking And Finance
LIU University
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