CMA SOCPA (Eligible) CFA Level I Candidate PIPFA
Riyadh, Saudi Arabia +966 53 787 6492 Email: [email protected]
Iqama Status: Valid & Transferable LinkedIn: Usama Butt
PROFESSIONAL SUMMARY
Chartered Management Accountant (CMA) with 4+ years of experience in financial management,
financial reporting, and credit analysis across manufacturing and financial services sectors. Proven
expertise in financial analysis, budgeting, forecasting, variance analysis, and KPI-driven reporting to
support strategic decision-making.
Currently a CFA Level I candidate, strengthening capabilities in financial modeling, valuation, and
investment analysis. Strong proficiency in financial statement analysis, cash flow management, and
working capital optimization, with hands-on experience in credit risk assessment, industry analysis,
and stakeholder engagement at senior management level.
CORE COMPETENCIES
Financial Analysis Financial Reporting Financial Planning & Analysis (FP&A) Budgeting &
Forecasting Variance Analysis Ratio Analysis Cash Flow Management Working Capital
Management Financial Statements General Ledger Accounts Payable & Receivable Month-End
Closing IFRS & GAAP Compliance Credit Risk Analysis Industry & Risk Analysis NAV
Calculation Report Writing Financial Documentation
TECHNICAL SKILLS
Advanced Excel (Pivot Tables, VLOOKUP/XLOOKUP, Financial Modeling, Forecasting) Financial
Statement Analysis ERP Systems (SAP / Accounting Software) Financial Reporting Systems
Budgeting & Variance Analysis Cash Flow Analysis Data Analysis & Interpretation
PROFESSIONAL EXPERIENCE
Pakistan Credit Rating Agency (PACRA)
*Financial Analyst
December 2024 â?? April 2026 Lahore, Pakistan
ï?· Performed comprehensive financial analysis, ratio analysis, trend evaluation, and
variance analysis to support credit rating decisions for corporate and banking clients
ï?· Conducted detailed financial statement analysis, including balance sheet, income statement,
cash flow, capital structure, and management quality assessment
ï?· Engaged with C-level executives and senior stakeholders to evaluate creditworthiness,
financial performance, and risk exposure
ï?· Managed assigned client portfolios, ensuring continuous monitoring, timely reporting, and
analytical review
ï?· Delivered industry and risk analysis, assessing macroeconomic and sector-specific factors
impacting financial stability
ï?· Participated in on-site operational assessments, evaluating production processes and
business operations for accurate credit evaluation
ï?· Developed and enhanced automated reporting and forecasting tools, improving efficiency,
accuracy, and data integrity
ï?· Prepared detailed credit reports, financial models, and presentations for internal rating
committees and decision-making forums
ï?· Collaborated cross-functionally to ensure accuracy, consistency, and completeness of
financial data and reporting outputs
Ghani Glass Limited
Account Executive
December 2021 â?? December 2024 Lahore, Pakistan
ï?· Prepared accurate and timely financial statements (balance sheet, income statement, cash
flow) in compliance with IFRS and GAAP standards
ï?· Managed and reconciled general ledger accounts with high accuracy, ensuring integrity of
financial records across business operations
ï?· Executed comprehensive financial reporting, transaction analysis, and accounting
controls aligned with organizational policies
ï?· Supervised accounts payable and receivable functions, ensuring smooth financial flow and
accurate ledger postings
ï?· Managed payment processing, vendor coordination, and financial approvals, ensuring
compliance with contractual terms
ï?· Led month-end and year-end closing processes, including journal entries, reconciliations,
and financial statement finalization
ï?· Performed bank, customer, and vendor reconciliations, strengthening financial control and
reporting accuracy
ï?· Reviewed and guided junior staff, ensuring high-quality financial reporting and
documentation standards
ï?· Supported working capital management, cash flow monitoring, and cost control
initiatives to improve operational efficiency
INDUSTRIES SERVED
Manufacturing Glass Industry Textile Sector Financial Services Credit Rating & Risk Analysis
Banking & Corporate Finance Exposure
CERTIFICATIONS & PROFESSIONAL ELIGIBILITY
Chartered Financial Analyst (CFA) â?? Level I Candidate
ï?· Focus: Financial Analysis, Equity Valuation, Financial Reporting, Ethics
SOCPA (Saudi Organization for Chartered and Professional Accountants) â?? Eligible
PIPFA (Pakistan Institute of Public Finance Accountants) 2025
ï?· Qualification exempted under ICMA Pakistan pathway
EDUCATION
Chartered Management Accountant (ACMA) 2020 â?? 2024
Institute of Cost and Management Accountants of Pakistan
Intermediate of Commerce (I.Com) 2018 â?? 2020
Govt. Shalimar College, Lahore
SOFT SKILLS
Leadership Analytical Thinking Critical Thinking Problem Solving Decision Making
Communication Team Management Adaptability Time Management Attention to Detail