Experience

Nayifat Finance Company

• Saudi Arabia
• Financial Services
• 200 - 300 Employee

• Head of SME

  • Sep 2019 - Present

  Al-Riyadh Governorate, Saudi Arabia - Contribute to the development of the SME department business plan, and implements strategies in line with the organizational objectives. - Provide inputs in the preparation of the annual budget for the SME department. - Monitor SME department budget and track expenditure and ensures adherence to the approved budget. - Support the development of employee capacity plans for the department based on workload analysis and targets. - Recommend improvements and develops departmental… Show more - Contribute to the development of the SME department business plan, and implements strategies in line with the organizational objectives. - Provide inputs in the preparation of the annual budget for the SME department. - Monitor SME department budget and track expenditure and ensures adherence to the approved budget. - Support the development of employee capacity plans for the department based on workload analysis and targets. - Recommend improvements and develops departmental policies and directs the implementation of procedures and controls so that all relevant procedural/regulatory requirements are fulfilled while delivering quality and cost-effective services. - Manage the relationship with existing customers and builds new relationships in order to achieve KPIs and profitability targets, while contributing to the overall target of the SME team. - Develop structured SME loans as per client needs. - Ensure strict adherence to internal guidelines and procedures with regards to SME financing - Set departments target, as well as team targets for Regional Managers - Ensure timely preparation of credit proposals and provide the necessary support to Regional Managers in order to complete credit reviews. - Ensure that all Regional Managers have a thorough understanding of new financial products and liaise with the respective departments to provide them with necessary training if required. - Plan, organize and monitor the services delivered to customers in order to build customer satisfaction and ensure longevity of the relationship. - Explore the market to maintain a competitive edge with regards to product offering and price

• SME Regional Head

  • Nov 2018 - Sep 2019

  Al-Riyadh Governorate, Saudi Arabia - Manage the relationship with existing customers and also build new relationships in order to achieve KPIs and profitability targets, thereby, contributing to the overall target of the SME Group. - Ensure effective plans for sourcing prospects and developing new customers are in place and properly implemented by the Relationship Managers. - Develop SME loan structures and prices for key SME clients and ensures all the internal guidelines and procedures are strictly followed to protect… Show more - Manage the relationship with existing customers and also build new relationships in order to achieve KPIs and profitability targets, thereby, contributing to the overall target of the SME Group. - Ensure effective plans for sourcing prospects and developing new customers are in place and properly implemented by the Relationship Managers. - Develop SME loan structures and prices for key SME clients and ensures all the internal guidelines and procedures are strictly followed to protect Nayifat interest. - Cascade the individual as well as team targets for Relationship Managers, based on the department’s target, - Ensure the timeliness of credit proposals and provides necessary support to the Relationship Managers in order to complete credit reviews. - Enable all the Relationship Managers to have a thorough understanding of new financial products and liaise with the respective department to provide them with necessary training if required. - Plan and organize and monitor the services delivered to the customers in order to build customer satisfaction. - Monitor the progress of on-going as well as upcoming projects by taking periodic updates from the Relationship Managers. - Ensure all the necessary security documentation is in place and ensures follow up is done in case of any missing document. - Ensure all Relationship manager has visited the existing portfolio on quarterly bases (4 times in a year). All visits to be documented in the call reports. - Oversee the preparation of reports for the approving authority ensuring adequate assessment of the financials, structuring of the loans, financial projections and cash flow.



Alawwal Bank

• Saudi Arabia
• Banking
• 400 - 500 Employee

• Senior Relationship Manager / Deputy Team Leader

  • Apr 2018 - Nov 2018

  Jeddah Governorate, Saudi Arabia - Prepare credit proposals and revisions in line with the guidelines given in the Credit Policy Manual to ensure that facilities to SME clients are in accordance with the existing rules, policies, and procedures contained therein. - Manage 54 active borrowings (Kafala and Non-Kafala) and no-borrowing clients with total estimated approved facility over SAR 100 MM. - Ensure the continuing validity of Power File and Security Documentation and other related Support Documents in line with the… Show more - Prepare credit proposals and revisions in line with the guidelines given in the Credit Policy Manual to ensure that facilities to SME clients are in accordance with the existing rules, policies, and procedures contained therein. - Manage 54 active borrowings (Kafala and Non-Kafala) and no-borrowing clients with total estimated approved facility over SAR 100 MM. - Ensure the continuing validity of Power File and Security Documentation and other related Support Documents in line with the approved facility in conformity with the CPM and Internal and External Audit requirements. - Identify and take timely and appropriate remedial action in the event of deterioration of credit risk to prevent unnecessary losses. - Assist Junior RMs in the financial analysis and the preparation of Credit Proposals onward submission to Credit Committee to obtain approval. - Visit customers to establish the relationship in order to book and maximize the utilization of the bank's services and products including cross-selling products. All visitations are well documented internally in the Call Report Application. - Quantitative and qualitative analysis of audited financial statements. - Carry out Islamic financing to enhance SMEs through Kafalah program. - Review excess, incidental and loan maturity reports on a daily basis. - Monitor customer accounts to ensure adherence to the limit, credit policies and procedures. - Coordinate with members from different departments for example Risk, Treasury, Trade, Service Desk, and Retail Banking. Show less



Bank AlJazira | بنك الجزيرة

• Saudi Arabia
• Banking
• 700 & Above Employee

• Relationship Manager

  • Jun 2015 - Mar 2018

  Jeddah Governorate, Saudi Arabia - Manage a wide portfolio of commercial clients. - Visit customers to establish the relationship in order to book and maximize the utilization of the bank's services and products including cross-selling of products, to be documented in the call reports. - Quantitative and Qualitative analysis of the audited financial statements. - Prepare a credit application for existing and new clients. - Review excess, incidental and loan maturity reports on a daily basis. - Monitor customer… Show more - Manage a wide portfolio of commercial clients. - Visit customers to establish the relationship in order to book and maximize the utilization of the bank's services and products including cross-selling of products, to be documented in the call reports. - Quantitative and Qualitative analysis of the audited financial statements. - Prepare a credit application for existing and new clients. - Review excess, incidental and loan maturity reports on a daily basis. - Monitor customer accounts to ensure adherence to the limit, credit policies and procedures. - Coordinate with members from different departments for example Risk, Treasury, Trade, Service desk, and retail banking. Show less



Alawwal Bank

• Saudi Arabia
• Banking
• 400 - 500 Employee

• Assistant Relationship Manager

  • Dec 2013 - May 2015

  Jeddah Governorate, Saudi Arabia - Manage a portfolio of 30 SME clients. - Visit customers to establish the relationship in order to book and maximize the utilization of the bank's services and products including cross-selling products to be documented in the call reports. - Analyze audited financial statements. - Prepare a credit application for existing and new clients. - Carry out Islamic financing to enhance SMEs through Kafalah program. - Review excess, incidental and loan maturity reports on a daily… Show more - Manage a portfolio of 30 SME clients. - Visit customers to establish the relationship in order to book and maximize the utilization of the bank's services and products including cross-selling products to be documented in the call reports. - Analyze audited financial statements. - Prepare a credit application for existing and new clients. - Carry out Islamic financing to enhance SMEs through Kafalah program. - Review excess, incidental and loan maturity reports on a daily basis. - Monitor customer accounts to ensure adherence to the limit, credit policies and procedures. - Work with members from different departments for example Risk, Treasury, Trade, Service desk, and retail banking.

• Corporate Support Coordinator

  • Jan 2007 - Nov 2013

  Jeddah Governorate, Saudi Arabia - Contact customers through email/phone to solve enquirers or problems to facilitate customer operational problems. - Handle customer loans, this includes short term loans. Also Islamic loans and deposit and post finance loans. - Meet finance managers and customer representatives and work to solve their problems and provide them with the required services. - Generate and analyze exported reports from the system (T24) and deliver it to team members or customers. - Work with members… Show more - Contact customers through email/phone to solve enquirers or problems to facilitate customer operational problems. - Handle customer loans, this includes short term loans. Also Islamic loans and deposit and post finance loans. - Meet finance managers and customer representatives and work to solve their problems and provide them with the required services. - Generate and analyze exported reports from the system (T24) and deliver it to team members or customers. - Work with members from different departments for example Risk, Treasury, Trade, Service desk, and retail banking. - Open customer corporate accounts based on the compliance department policy and procedures. Also maintaining customer corporate accounts.