Saja Abu Oweidah
Accounting And Business Law
Mafraq,Jordan
Summary
An extremely motivated individual with a natural ability to solve accounting and financial problems under the Jordanian lows. An innovative thinker with impeccable attention to detail, which is also a friendly and approachable individual. Saja is a qualified accountant and Business Law looking to join a growing organisation committed to hiring a diverse workforce. Effective at keeping customer loans in line with bank and legal guidelines through systematic assessments of property values and borrower histories. Dedicated to optimising bank portfolios by balancing risk with profitability. To seek and maintain a full-time position that offers professional challenges utilizing interpersonal skills, excellent time management and problem-solving skills.
Overview
9
9
Certifications
4
4
years of post-secondary education
2
2
years of professional experience
Work History
Credit Officer
microfund For Women
Mafraq, Jordan
08.2020 - 12.2020
- Performed semi-annual account credit limit reviews and credit increase review requests from financial service and sales teams.
- Recommended approval or disapproval of commercial, real estate or credit loans.
- Reduced past due balances and bad debt by coordinating collection efforts with customer service, sales and billing departments.
- Devised collection recovery strategies to resolve customer issues and delinquent cases.
- Organized and finalized loan applications for underwriter review.
- Adhered to banking standards and government lending guidelines for loan services.
- Checked appraisals, title information and insurance documents for each property.
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
- Obtained and reviewed credit reports, credit references, credit insurance and financial statements to establish credit limits for new accounts.
- Obtained and interpreted financial statements to assist in credit limit reviews.
- Reviewed and verified income, credit reports and employment histories for each borrower.
- Investigated and evaluated customers for creditworthiness and potential risk factors.
- Collected data and performed trend and variance analysis to mitigate risk arising from bad debt.
- Utilise deep understanding of industry best practices and legal requirements to prevent critical incidents.
- Collaborated with management to evaluate credit strategies and develop improvements.
- Optimise credit approval and collection processes, improving operational efficiencies by over 85%
Training
Cairo Amman Bank
Mafraq, Mafraq
08.2019 - 11.2019
- Interacted with all necessary partners including vendors, upper management and peers.
- Managed supplier accounts and built lasting relationships with suppliers.
- Assisted with preparation of monthly financial statements.
- Completed audit papers by thoroughly documenting audit tests and findings.
- Compiled general ledger entries on short schedule with 100% accuracy.
- Identified audit risks, prepared budgets and coordinated with management and audit team in preparing related reports.
- Partnered with auditors on annual audits and realized compliance with governmental tax guidelines.
- Identified management control weaknesses and provided value added suggestions for remediation.
- Diminished outstanding debts by analyzing accounts for issues.
- Trained new employees on accounting principles and company procedures.
- Cooperated with senior leaders to create operating budgets and initiate financial planning.
Accountant
Training at Mafraq College
mafraq, jordan
01.2018 - 12.2018
- Completed daily cash functions like account tracking, payroll and wage allocations, budgeting, donating and all types of cash and banking reconciliations.
- Authorized and reviewed funds transfers into and out of project accounts.
Volunteering
Independent Election Commission
Mafraq, Jordan
07.2016 - 08.2016
Volunteering
Rased program
Amman, Jordan
01.2016 - 06.2016
- Educated families and community members about domestic violence, including its impact on children.
- Conducted community workshops to promote different programs and educate public on available services.
Education
Bachelor of Science - Accounting And Business Law
AL-Albayt University
Mafraq - Jordan 11.2017 - 12.2021
Skills
Leadership
Certification
ICDL
Timeline
Credit Officer
microfund For Women
08.2020 - 12.2020
Training
Cairo Amman Bank
08.2019 - 11.2019
Accountant
Training at Mafraq College
01.2018 - 12.2018
Bachelor of Science - Accounting And Business Law
AL-Albayt University
11.2017 - 12.2021
Volunteering
Independent Election Commission
07.2016 - 08.2016
Volunteering
Rased program
01.2016 - 06.2016
Similar Profiles
Khaled AliaKhaled Alia
Loan Officer at Microfund for WomanLoan Officer at Microfund for Woman
Maria ValenzuelaMaria Valenzuela
Front Desk Receptionist at Valley Women For WomenFront Desk Receptionist at Valley Women For Women
Gerald BroussardGerald Broussard
HR Manager at Women For Afghan WomenHR Manager at Women For Afghan Women