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aitnaoum Fay

@aitnaoumfay

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I analyze financing, financial performance, and ESG data to support better decisions.

Morocco

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What I'm looking for

I'm looking to apply financial analysis, risk assessment, ESG analysis, and data skills in a role where I can contribute to informed business and financing decisions while continuing to grow.

I've evaluated SME financing requests at Banque Populaire, analyzing financial statements across more than 20 credit files to support commercial banking risk assessment.

At Oriental Group, I built a financial dashboard for revenue and client activity that improved reporting efficiency by 30%. I also conducted ratio analysis that identified 8–12% cost discrepancies between departments.

My applied finance research examines SME access to bank financing and the relationship between CSR and financial performance for Casablanca Stock Exchange companies. I used nested multinomial logit models, system-GMM, Driscoll-Kraay, Hausman, IPS, VIF, and a SASB-based CSR scoring grid.

I've also coordinated budgets and sponsorships for UMY, led career-forum planning, and contributed to educational improvement projects. I bring financial analysis, ESG reporting, advanced Excel, SQL, R, Python, and project coordination skills.

Experience

Work history, roles, and key accomplishments

Corporate Banking Intern

Banque Populaire

Feb 2026 - May 2026 (3 months)

Evaluated SME financing requests and conducted financial statement analyses on more than 20 credit files, contributing to client risk assessment as part of commercial banking decision-making.

Financial Analysis Risk Assessment Credit Analysis SME Finance