1. Nationality: Jordanian
Date of Birth: 6/1/1982
Abu Dhabi, U.A.E
P.O Box,
(971) 50 741-0089
Mohammed.nazal82@gmail.com
OBJECTIVE
Pursue a challenging position in an organization where my knowledge and experience could
be highly applied.
EDUCATION
Bachelor of Science in Finance and Accounting, 2011
Prescott University
WORK EXPERINCE
SR. Credit and Risk Analyst-Febreuary 2014 to present
Reem Finance-Abu Dhabi
 Appraisal of Retail / Commercial credit proposal, Highlight deviations and make
recommendations.
 Recommends amendments to existing Credit Policy and procedures in line with market
best practices.
 Monitor credit exposures across different risk categories: single, obligor, sector, collateral
type, nationality etc.
 Maintain / exceed turnaround time (TAT) standards agreed with the internal departments.
 Recommend and implement minimum 2 initiatives within the calendar year aimed at
achieving error free credit appraisal, enhanced operational efficiency and risk mitigation .
Credit Analyst - October 2008 to January 2014
First Gulf Bank- Abu Dhabi
 Analyzing credit proposals by looking at financial risk profile, repayment capability,
security adequacy and industry position.
 Evaluating applications based on the approved credit policy and communicating the
decision to front end within the turnaround time as agreed in the service level agreement.
 Ensuring credit facilities have been properly structured and there isn't any violation of
internal or external regulations/policies.
 Preparing detailed notes for recommendations for approval, rejection or amendments
based on credit analysis.
 Conducting external environment analysis to understand the impact on credit portfolio.
 Providing justification to take specific deviation approvals from appropriate levels of
authority for rejected credit proposals.
 Ensure to monitor the errors of the maker level & educate them about it.

2. Mohammed Nazal Phone: (971) 50 741-0089 Page: 2
 Preparing & reporting status on cases processed, approved, declined, booked as
exceptions and other details as required by the senior management from time to time.
Outbound Sales Representative - October 2007 to August 2008
Minacs Inc-Canada
 Make outgoing calls to assist customers to renewtheir services.
 Overcome customers' objections by asking effective needs & analysis questions.
 Provide customers the right plan that perfectly suits their needs.
 Assist takingcustomers' payments by debit and/or credit cards.
 Responsibilities included, not limited to: Meet sales quotas, prepare progress
reports,sales, and cash budgets for team sales.
Customer Service Associate -January 2007toSeptember 2007
Convergys Customer ManagementInc- Canada
 Answered inbound calls in support of customer needs.
 Responsible for resolving customer concerns and complaints via phone.
 Reviewed and issued audits on customer account information and processes.
 Provided information in response to inquiries relating to products and/or services.
Technical Support Attendant – March 2002 to May 2003
Center for Academic Computing, Saint Mary’s University-Canada
 Maintained computer hardware and assist users on various operating systems and
software packages.
 Provided support to the university students with their technical problems.
 Configured and set up new computers for staff and faculty.
 Maintained and upgradedcomputers on university campus including troubleshooting,
replacing defective components, as well as assisting in network installation.
HIGHLIGHTS OF SKILLS
 Highly organized and time conscientious; very disciplined individual.
 Problem driven and studious; goal oriented and determined character.
 Strong oral and written communication skills in both English and Arabic.
 Always seeks to improve morale and productivity; highly motivated.
 Flexible, able to learn new skills and techniques quickly; innovative and quick learner.
 Thrive on working in a challenging environment and under tight deadlines; responsible.
COMPUTER SKILLS
 Database Management: MS-Access, MS SQL Server 2000/2005
 Programming Languages: C++, Visual Basic, OpenGL, Fortran, Java
 Web Development: HTML, XML, PHP, Perl, FrontPage, Java Script and FrontPage

3. Mohammed Nazal Phone: (971) 50 741-0089 Page: 3
 Operating Systems: Windows, Dos
 Application Packages: MS Office
 Hardware: PC Assembling, Hardware Troubleshooting
HOBBIES AND INTERESTS
 Enjoy the sports of surfing and skiing, and staying up to date in the soccer world.
 Swimming, weight lifting and Reading.
REFERENCES
Available Upon Request
SME & Corporates
Analyzing SME credit proposals by looking at financial risk profile, repayment capability,
security adequacy and industry position.
Ensure SME clients' service requirements are met and they are eligible for loan based on their
Company profile and budget.
Conducting external environment analysis to understand the impact on credit portfolio.