Ayesha Karim
About Ayesha Karim
Ayesha Karim is a Senior Credit Analyst at City National Bank in Los Angeles, California, where she has worked since 2018. She holds a Bachelor of Arts in Economics from McGill University and has experience in financial analysis and property evaluation.
Work at City National Bank
Ayesha Karim serves as a Senior Credit Analyst, Officer at City National Bank in Los Angeles, California. She has held this position since 2018, contributing to the bank's financial analysis and credit evaluation processes. In her role, she utilizes various financial documents, including 10Q's and 10K's, to assess the creditworthiness of clients. Ayesha also drafts property profiles for real estate customers, focusing on owner-user and residential multi-family properties. Her responsibilities include conducting stress tests and break-even analyses to ensure comprehensive financial evaluations.
Education and Expertise
Ayesha Karim earned her Bachelor of Arts (B.A.) in Economics from McGill University, where she studied from 2011 to 2014. This academic background provides her with a solid foundation in economic principles and financial analysis. Additionally, she completed her high school education at Karachi Grammar School, achieving secondary diplomas and certificates. Ayesha's expertise includes utilizing the direct capitalization method for valuing investment properties and performing detailed financial analyses using various financial documents.
Background
Ayesha Karim began her career with an internship at Habib Metropolitan Bank, a subsidiary of AG Zurich, in Pakistan in 2013. This two-month internship provided her with initial exposure to the banking sector and financial analysis. Following her education and internship, she has built a career focused on credit analysis and financial evaluation, leading to her current role at City National Bank.
Financial Analysis Skills
Ayesha Karim possesses a range of skills in financial analysis, which she applies in her current role. She conducts thorough evaluations of investment properties using the direct capitalization method and performs stress tests and break-even analyses. Ayesha also analyzes various financial documents, including franchise statements and non-profit financials, to assess the financial health of borrowers. Additionally, she runs background searches on borrowers using tools such as LexisNexis, OFAC, DnB, and UCC.