M Zaeem A.

CA (CPA), ACCA - Credit Underwriting, Due Diligence & Audit

Experienced Audit Professional and Qualified Chartered Accountant Specializing in Due Diligence, Financial Feasibilities, Credit & Commercial Underwriting, External, Internal & Forensic Audits: As a seasoned Chartered Accountant (CPA), I specialize in conducting external, internal, and forensic audits across diverse sectors, ensuring regulatory compliance, risk mitigation, and financial integrity. Alongside audit work, I build the loan amortization schedules, DSCR models, and credit packages that lenders and brokers use to evaluate commercial and real estate deals - reconstructing loan terms from term sheets, projecting amortization on various rate and compounding conventions, and packaging the credit story into a document a credit committee can review without back-and-forth. Key Credentials: • Chartered Accountant/CPA (UK, Pakistan & Singapore), ACCA, AFA (UK), MIPA (Australia), BSc (Oxford Brookes), having 6 years of diverse experience in 15+ sectors. • Expertise in conducting external, internal, and forensic audits. • Credit underwriting, commercial & real estate underwriting, and DSCR/credit ratio modeling for lenders and brokers. • Adherence to International Financial Reporting Standards (IFRS) and International Standards on Auditing (ISA) for regulatory compliance. • Extensive knowledge and exposure in various sectors and GAAP, including US GAAP, IFRS, UK GAAP, German GAAP, New Zealand GAAP, and Australian GAAP. • Provide end-to-end audit services from audit planning to reporting, including the preparation of comprehensive audit workpapers. Credit & Commercial Underwriting: • Commercial loan underwriting & amortization schedule construction (fixed and variable rate, day-count and compounding conventions, rate-floor logic) • Real estate & commercial mortgage underwriting - acquisitions, refinancing, and portfolio-level debt analysis • Debt-service coverage ratio (DSCR) and credit ratio modeling (liquidity, leverage, DSC) with composite scoring • Bank statement reconciliation & revenue verification for lending decisions • Use-of-funds summaries and credit/banking packages for commercial term loans Sectors of Experience (External, Internal & Forensic Audits): • Manufacturing | Paper Manufacturing • Real Estate | Water Treatment • Construction | Foundation • Trading | Television Services • Hoteling and Recreation | Investment • Energy | Biofuel • Information Technologies | LPG Distribution • Electronics and Home Appliances | Pharmaceuticals • Tyre Manufacturing | Adhesive • Foam Manufacturing | Engineering • Electricity Generation | Education • Maintenance | Natural Resources • Risk Assessment | High Tech Printing • Dealership | Consulting • Motor Dealer | Non-profit Organization • Advertising | Ghee/Oil Extraction • Software | Pulp • Hospital | Social Welfare • Steel Industry | Commercial Complex Development • Technical Education | Tracking Systems • NGO | Credit Rating/Feasibility Analysis • Textile | Furniture Manufacturing • Carpets | Automobiles • Importer | Oil Refining Expertise: • Financial Accounting • Financial Projection and Analysis • Financial Analysis • Technical Analysis • Business Performance Analysis • External Auditing • Internal Auditing • Forensic Auditing • Credit Analysis • Credit Underwriting • Commercial & Real Estate Underwriting • Loan Amortization Schedules • Taxation • Tax Return Preparation • VAT • Strategic Management • Financial Management • Financial Modelling • Cost Accounting • Cost Analysis • Management Accounting • Accounts Bookkeeping • Financial Statements Finalization • Financial Projection • Financial Variance Analysis We are a full-service firm, large enough to offer a range of audit, review, credit underwriting, and consulting services yet small enough to provide personalized attention. Our turnaround time is shorter than many, ensuring prompt and accurate financial reporting and credit packages. Let's collaborate to ensure your organization's financial integrity and growth.