ð??? +966 53 787 6492
USAMA BUTT â?? [email protected]
ð??? LinkedIn: Usama Butt
CMA SOCPA Eligible PIPFA
â?? Iqama: Valid &
Transferable
PROFESSIONAL SUMMARY
Results-driven Chartered Management Accountant (CMA) with 4+ years of progressive experience in financial
management, financial reporting, and credit analysis across manufacturing and financial services sectors. Proven
track record in FP&A, budgeting, forecasting, variance analysis, and KPI-driven reporting that directly supports
strategic decision-making. Currently pursuing CFA Level I to deepen capabilities in financial modeling, valuation,
and investment analysis. SOCPA-eligible with valid, transferable Iqama â?? immediately available
CORE COMPETENCIES
Financial Analysis Financial Reporting FP&A Budgeting & Forecasting Variance Analysis Ratio Analysis
Cash Flow Management Working Capital Management Financial Statements General Ledger Accounts
Payable & Receivable Month-End & Year-End Closing IFRS & GAAP Compliance Credit Risk Analysis
Industry & Risk Analysis NAV Calculation Report Writing
TECHNICAL SKILLS
Advanced Excel (Pivot Tables, VLOOKUP/XLOOKUP, Financial Modeling, Forecasting) ERP Systems (SAP)
Financial Reporting Systems Budgeting & Variance Analysis Cash Flow Analysis Data Analysis &
Interpretation
PROFESSIONAL EXPERIENCE
Financial Analyst
Pakistan Credit Rating Agency (PACRA) Dec 2024 â?? Apr 2026 Lahore, Pakistan
â?ª Performed comprehensive financial analysis, ratio analysis, trend evaluation, and variance analysis to
support credit rating decisions for corporate and banking clients
â?ª Conducted in-depth financial statement analysis covering balance sheets, income statements, cash flow,
capital structure, and management quality assessment
â?ª Engaged with C-suite executives and senior stakeholders to evaluate creditworthiness, financial
performance, and risk exposure
â?ª Managed assigned client portfolios with continuous monitoring, timely reporting, and analytical review â??
ensuring zero reporting delays
â?ª Delivered macroeconomic and sector-specific industry & risk analysis impacting financial stability
assessments
â?ª Developed and enhanced automated reporting and forecasting tools, improving reporting efficiency,
accuracy, and data integrity
â?ª Prepared detailed credit reports, financial models, and presentations for internal rating committees and
senior decision-making forums
â?ª Participated in on-site operational assessments, evaluating production processes and business operations
for credit evaluation
â?ª Collaborated cross-functionally to ensure accuracy, consistency, and completeness of financial data across
reporting outputs
Account Executive
Ghani Glass Limited Dec 2021 â?? Dec 2024 Lahore, Pakistan
â?ª Prepared accurate and timely financial statements (balance sheet, income statement, cash flow) in
compliance with IFRS and GAAP standards
â?ª Managed and reconciled general ledger accounts, ensuring integrity of financial records across all business
operations
â?ª Led month-end and year-end closing processes including journal entries, reconciliations, and financial
statement finalization
â?ª Supervised AP/AR functions ensuring smooth financial flow, accurate ledger postings, and vendor
compliance with contractual terms
â?ª Performed bank, customer, and vendor reconciliations, strengthening financial control and reporting
accuracy
â?ª Supported working capital management, cash flow monitoring, and cost control initiatives to improve
operational efficiency
â?ª Reviewed and mentored junior staff, ensuring high-quality financial reporting and documentation standards
â?ª Executed comprehensive financial reporting, transaction analysis, and accounting controls aligned with
organizational policies
CERTIFICATIONS & PROFESSIONAL QUALIFICATIONS
CMA â?? Chartered Management Accountant SOCPA â?? Saudi Org. for Chartered & Professional
ICMA Pakistan 2020 â?? 2024 Accountants
Eligible â?? KSA Regulatory Recognition
CFA Level I â?? Candidate (In Progress) PIPFA â?? Pakistan Institute of Public Finance
CFA Institute Focus: Equity Valuation, Financial Accountants
Reporting, Ethics 2025
INDUSTRIES SERVED
Manufacturing Glass Industry Textile Sector Financial Services Credit Rating & Risk Analysis Banking
& Corporate Finance
SOFT SKILLS
Leadership Analytical Thinking Critical Thinking Problem Solving Decision Making Communication
Team Management Adaptability Attention to Detail