1. The document contains a career objectives and professional profile for Muhammad Naveed. It outlines his extensive experience in banking, finance, accounting, and auditing roles over 15+ years. 2. His professional expertise includes preparing financial statements, managing accounts payable/receivable, payroll, and working with various accounting software programs. 3. He has held several roles with increasing responsibility, most recently as a Credit Analyst at Abu Dhabi Islamic Bank where he analyzes company financials and credit applications.

1. 1
CAREER OBJECTIVES AND PLAN
To secure a challenging position in an organization where my competitive skills & experience wil have positive impact
on the organizational growth & adds value to business. I am self , Starter, result oriented & committed individual with
cheerful disposition carrying diversified experience in Banking Industry , Accounts & Finance
PROFESSIONAL EXPERTISE / SKILLS
 Two years Experience in Banking Field (SME Division)
 More than 7 Yrs experience in Accounts & Audit
 Handled various assignments including accounting, internal controls and audits.
 FINANCIAL STATEMENTS & REPORTING
o Prepared complete sets of financial statements/accounts as per requirements of international
financial reporting standards (IFRS’s) and other applicable laws
o Made year ended adjustments and closure of H.O & G.C.C Branches trial balance
 FINANCE & ACCOUNTS PRACTICES
o Banks’ funded & non-funded facilities including leases, letters of credits (L/C’s) and workings of
related mark-up.
o Reconciliations of all types including banks, debtors & creditors
o Managing Accounts Payable, Verifying invoices and the rates & Reconciliations.
o Completed and verified fixed assets register including depreciation.
o Detailed verification of all types of transactions including sales (local & exports), purchases
(local & imports), payments and expenses. H.O as well as all G.C.C Branches
o Managing Payroll Functions
 COMPUTER & OTHER SKILLS
o Worked in ERP (Oracle Financial) environment. Tally , Quick Bookd , SAP ( Beginner)
o Well equipped knowledge of Tally ERP 9, MS Excel & other office applications.
o Team Management
o Confident, energetic, hard working, committed and having ambition to grow with a dynamic
organization
ACHIEVEMENTS
 Joined in ADIB as a Pre-Screener but after a year got promoted as a Team Leader
 Joined Signtrade International, Dubai as Accounts Assistant, then promoted as
Accountant and ultimately promoted to Internal Auditor.
 Joined in Hira Textile Mills Ltd as an Accountant and within 1st
month i was promoted to
Senior Accounts Officer & Payroll Officer and this was by big achievement in my carrier
Muhammad Naveed
M.B.A (Banking & Finance)
Bachelor Degree in Commerce(B.com)
Current Location: Diera Dubai, United Arab Emirates with (Dubai D/L)
Email: mohdnaveed@ymail.com
Mobile # +971 55 9215747 / +971 55 5901747
Visa Status : Employment Visa (LAST DAY 15TH MAY 2016)

2. 2
EDUCATIONAL CREDENTIALS
M.B.A (Banking & Finance) Allama Iqbal Open University , Lahore, Pakistan (2006)
Bachelor of Commerce (B.Com) University of the Punjab, Lahore, Pakistan (2002)
CAREER HISTORY
Abu Dhabi Islamic Bank (BBD Division) (June-2013 – DATE)
CREDIT ANALYST (BBD Tier 0’)
Reporting to: Head of Middle Office
Key Responsibilities:
Handling team of Internal Credit, Ensuring the proper distributions of the cases among the team for analysis
Responsible for Balancing the workflow in the unit
Responsible for Checking the financial position of the companies i.e CCC, Levarage, N.P, G.P, FOS
, DBR etc
Responsible for Handling the quires with the Sales Manager & sales team leader
Responsible to Rework on declined cases and to present the cases for approval
Deeply analysis of ERB before submitting the cases to the credit for final approvals
Preparation of daily submission reports
Analysis of credit application & Eligibility for SBF products under BBD financing schemes of Tier0
Responsible for Detail Analysis of 12 Months bank statement & AFS of the company
Responsible to Prepare credit assessment sheet for all credit proposals received from business unit
Ensuring the customer profile is not blacklisted as per Central Bank,
Reviewing Audit of the companies & Bank statement & checking them as per the credit controls
SIGNTRADE LLC & INTERNATIONAL FZCO (DEC-2009 – June,2013
Accountant (Payroll) / Internal Auditor / Logistic Officer
Reporting to: Managing Director / C.E.O
Key Responsibilities:
At Signtrade LLC & International I was responsible for preparation of accurate and timely financial reports and
statements of all G.C.C Branches i.e Qatar, Saudia Arabia, Muscat & Bahrain.
As An Accountant
Responsible to Compile and analyze financial information to prepare financial statements including monthly
and annual accounts of Dubai, Qatar , Muscat , Saudi Arabia & Bahrain Branches
Managed payroll function including all the G.C.C Branches i.e 50 to 100 employees
Prepare financial management reports and ensure all financial reporting deadlines are met
Establish and monitor the implementation and maintenance of accounting control procedure
Coordinating & negotiating with the Bankers
Responsible for Preparing Trial Balance, Profit & Loss A/c of H.O (Dubai) & All G.C.C Branches
Posting of All kinds of Vouchers in the accounting software
Maintain the general ledger & Reconciliation of all the Payables i.e Local & Import
Maintaining Daily Bank Status of Dubai Branch
Bank ,Creditors & Debtors Reconciliation of H.O & All G.C.C Branches
Responsible for Branches Reconciliation i.e Doha, Muscat, Bahrain & Saudi Arabia with H.O
Administered online banking function
Maintaining Costing sheet of Import shipments

3. 3
Preparation of Salary & Transfer in bank through WPS System
Maintaining Stock of JAFZA Wear House & all GCC Branches in software
As An Internal Auditor
Planning and organizing internal audit functions like audit planning, assigning of tasks
Review reports handed out by the Management
Responsible for Monthly Visits to Branches for Stock , Expenses & Sales invoice Checking
Responsible to Present a report of yearly expenditures of Branches i.e. Doha , Muscat , Bahrain & Saudi
Arabia
Present a report of Yearly & Monthly Sales i.e Doha , Muscat , Bahrain & Saudia Arabia
Responsible for Balancing of company incoming and outgoing finances
As A Logistic Officer
Preparing & E-Clearing (Mirasal-11 ) of Import & Export Documents
Coordinating & Perusing with Logistic Companies Regarding Import & Export Shipment
Monthly Maintaining Shipments Status Register
Maintaining Payable Status of Import Creditors
Hira Textile Mills Ltd. & Hira Terry Mills Ltd (February-2007 – October-2009)
Senior Accounts Officer / Payroll Officer
Reporting to: Management
Key Responsibilities:
As An Senior Accounts Officer
Responsible for Maintaining & Preparing & Updating Accounting Records
Responsible for Preparing Trial Balance, Profit & Loss A/c of Dyeing Unit
Preparing of Production Status & Stock Status of Spinning Unit & Towel Unit
Daily Yarn Inward Report of Terry
Monthly preparation of Debtors and Creditors statements
Export Statement Quantity & Expenses Wise
Preparing Payment Proofs for Sales Tax Matters
Bank’s Reconciliation’s
Mark Up Calculations
Responsible to Prepare Daily Basis Cash Flows
Preparing of S. Tax Invoices & Register of Yarn & Waste
Monthly & Yearly Income Tax Returns & Income Tax Challans (Trough Online System)
Dealing & Writing Correspondence to Government Department, Tax Deptt
As An Payroll Officer
Responsible for preparation of Monthly Salary Sheets of Head Office
Preparation of Provident Fund Detail of Employees
Responsible for maintaining of Employees Record i.e. Joining, Leave & etc.
Deduction & Depositing of Monthly Income Tax of Employees

4. 4
Kasheef Corporation (January-2009 – October-2009)
Manager Accounts Part-Time
Reporting to: Management
Key Responsibilities:
Responsible for Preparing Trial Balance, Profit & Loss A/c & Balance Sheet
Responsible for Maintaining & Posting Cash Book Record
Efficiently and accurately manage accounts receivable activities, facilitating collections of outstanding
receivables, and producing Excel-driven statements & fiscal reports
Preparing & Maintianing Stock Report
Anns Textile PVT Ltd. (September-2005 –January-2007)
Account Assistant
Reporting to: Manager
Key Responsibilities:
Voucher Entry in Software (MCV, BRV, BPV, AJV, PJV, SJV)
Daily Cash Status & Cash Summary
Bank Dealing for FAFB, FAPC & L/C opening
Daily Bank Status
Filling of Monthly Sales tax return
Sales Tax Refund Working
Sales Tax Refund Working
LANGUAGES
• English-Excellent • Urdu-Proficient • Punjabi-Proficient
OTHER INTERESTS
Net surfing, music and travelling
PERSONAL DETAILS
Date of Birth: 02th October, 1983
Nationality: Pakistani
Marital Status: Married
Residence Status: Resident Visa
Availability: 1 Month Notice Period
Reference: Available upon request
Contact# 0555901747 / 0559215747