Job Market


Mona Badredine

Personal Statement:
Work Experience:
Professional Skills:
Personal Skills:
Other Details:

Mona Badreddeen                 

Administration / Trade Finance/ Corporate Banking/ Compliance Officer/Assistant Manager

Address: DUBAI – Jumeirah 3- United Arab Emirates
Email Address: [email protected]
Mobile Phone Number: +971 501817906

Career Objective:

A highly competent banking professional with 15+ years of core banking experience (Accounting & Finance) and cross competencies in retail banking, Trade Finance, Corporate finance, compliance and anti-money laundering activities. Seeking a position to utilize benefits of accrued experience and banking brilliance, to enhance my professional skills in a dynamic and fast paced workplace and exploring a responsible job with an opportunity for professional challenges to drive strategic initiatives.


Professional Experience


July 2013-             National taxi LLC – Dubai

Present                 Executive Secretary – Finance

Report to the CFO and responsible for preparing financial statements, personnel administration, maintaining accounts payable and managing office operations.

Administer and monitor the financial system in order to ensure that transactions are maintained in an accurate and timely manner.

August 2008 – September 2012

HMH Trading & Industrial Co. - Lebanon
Job Role: Finance

Responsible for all Financial and management aspects of company’s operations, Import & export transactions.

.Local and international procurement of a variety of industrial commodities.

.Provide coordination in the administrative, business planning, accounting and budgeting efforts of the company.

.Monitor compliance with generally accepted accounting principles (GAAP) and company procedures. 
.Review and correct errors and inconsistencies in financial entries, documents, and reports. 


.Perform and develop the monthly account receivable related reports.

. Review accounts payable and weekly check runs. 
.Determine proper handling of financial transactions and approves transactions within designated limits. 

.Assist in documentation and monitoring of internal controls.

.Monitor all business transactions such as Sales orders, Purchasing orders and correspondence.                                 

March 2007 - August 2008:

Job Role: Administration

.Analyze credit data and financial statements to determine the degree of risk involved in extending credit or lending money.
.Preparation of credit proposals for corporate lending activities, periodical credit reviews and renewal of existing facilities. Also responsible for recommending enhancements / reductions/ amendments in terms and conditions of existing facilities.

. Monitor and analyze credit performance of the company through key performance indicators (KPI) by also implementing necessary control systems

.Manage the accounts and credits of customers.

.Carry out preliminary customer credit risk assessment. Set and monitor credit limits.
• Reviewing facility offer letters, facility agreements and other facility specific agreements/documents.
• Review the existing portfolio in a timely manner, establish appropriate account plan and recommend credit facilities in line with the bank's credit policy to maximize earnings while containing risks at an acceptable level.
• ensure that accurate and high quality financial data is provided to internal and external clients on a timely basis and provide high quality accounting and reporting support to the Finance team. Responsible for exploring and pursuing new markets for loan products, analyzing loan requests and preparing written evaluations and recommendations for approvals. .
.Evaluate customer records and recommend payment plans based on earnings, savings data, payment history, and purchase activity, as well as coordinating the loan closings, ensuring that documents are properly prepared and executed.
.Responsible for a large, complex and diverse set of import L/Cs, export L/Cs, collection, letters of guarantee.
. Monthly reporting of the Key Performance Indicators for the department.
•Managing relationships with the clients in order to reduce exposure to potential bad debt.
•Implementation and maintenance of a set of comprehensive Credit Risk Policies and Procedures.
•Introduce and evolve effective reporting and assessment tools to minimize risk and proactively identify problem areas and customers.
•Preparation of weekly cash forecasts including customer collections.
•Reporting to the financial controller on a monthly basis.





June 2005 - December 2006:

Compliance Officer
Banque Banorabe - United Arab Emirates
• Developing, initiating, maintaining, and revising policies and procedures for the general operation of the Compliance Program and its related activities to prevent illegal, unethical, or improper conduct.
• Reviewing and updating Standards of Conduct to ensure continuing currency and relevance in providing guidance to management and employees.
• Collaborating with other departments to appropriate existing channels for investigation and resolution, responding to alleged violations of rules, regulations, policies and procedures and recommending the initiation of investigative procedures.
• Locating potential areas of compliance vulnerability and risk, implementing corrective action plans for resolution of problematic issues and providing general guidance on how to avoid or deal with similar situations in the future.

• Providing reports on a regular basis as directed to keep the Corporate Compliance Committee of the Board and senior management informed of the operation and progress of compliance efforts.
• Monitoring the performance of the Compliance Program and related activities on a continuing basis, taking appropriate steps to improve its effectiveness.

February 1993 - November 2004:

Assistant manager
Banque Libano-Francaise - Lebanon
Assistant Branch Manager-2000-2004
Head of Retail Banking-1995-2000
Teller- 1992-1995

.Trade Finance department.Manage the centralized trade finance operations activities,
o Letters of Credit
o Guarantees
o Bills/ TRs

 .Accounts Receivables & Payables. Ability to supervise accounting transactions of payables and receivables.

.Advanced skills in preparation of Financial Statements Ability to prepare monthly, quarterly and annual financial statements in accordance with applicable standards.
• Ensured that the instructions received from banks, customers and beneficiaries were consistent and workable, documentation processes and assisted trade finance clerks in all aspects of documentary credits, advising, amending and checking and paying.
• Comprehended and complied with the Anti Money Laundry rules and procedures.

•Financial modeling and analysis.
•Cash management and treasury duties
• Balanced cash and advised supervisors of cash position & discrepancies in addition to answering customer inquiries.
• Formulated letters of guarantee, budgeted, trained, controlled, coordinated, motivated all branch employees and ensured efficient service standards.






Key workshops Attended:

- Advanced financial statements.
- International Business Etiquette.
- Empowerment Management Workshop.
- Hospitality Training Courses.
- Customer Services Development.
- Anti-Money Laundering at Abu Dhabi Central Bank.
- Anti-Money Laundering Law & Regulations at Emirates Institute for Banking &    Finance.


Skill Level

Years of Experience

Last Used

General Banking Operations, Retail Banking, Negotiable Instruments, Compliance, Anti Money Laundering


More than 10 years

1 month or less

Customer Service, Loans Processing, Exchange Transactions, Financial Review and Recommendation


More than 10 years

1 month or less

Communication & Interpersonal Networking, Decision Making, Team Building, Group Dynamics & Synergy


More than 10 years

1 month or less

IT Related Skills(MS Office Suite and Internet)


More than 10 years

1 month or less




Skill Level

Years of Experience

Last Used



More than 10 years

1 month or less



More than 10 years

1 month or less



More than 10 years

3 months or less


Personal Information

Birth Date:

13 August 1970






Master degree in Business Administration/ Major Finance & Accounting -  University Saint Joseph