Riyadh, Saudi Arabia
Senior Credit Risk and Credit Review professional with 18+ years of experience across Tier-1 Saudi banks, foreign bank branches, and regulated financial institutions. Experienced in assessing, structuring, reviewing, and monitoring large corporate credit exposures across diverse sectors while supporting sound risk management, portfolio quality, and sustainable business growth. My expertise spans Credit Risk Management, Credit Review, Corporate & Wholesale Banking, Financial Analysis, Credit Structuring, Risk Assessment, and Portfolio Monitoring. Throughout my career, I have worked with complex corporate borrowers across contracting, manufacturing, trading, hospitality, and real estate sectors, providing independent credit assessment and underwriting support for significant financing transactions. A key strength of my profile is the combination of both first-line credit underwriting and independent credit review experience. This dual perspective enables me to evaluate transactions from both a business and risk standpoint, ensuring balanced credit decisions, strong risk mitigation, policy compliance, and effective portfolio management. Selected Highlights: • Influenced SAR 4B+ in corporate credit decisions through underwriting and independent credit review. • Lead assessment and structuring of large corporate facilities and complex financing transactions. • Reduced credit turnaround times through process improvements while maintaining disciplined risk standards. • Delivered timely portfolio reviews and strengthened credit quality through proactive risk identification and mitigation. • Managed and supported sizeable corporate financing portfolios across banking and financial services institutions. • Worked closely with senior management, Credit Committees, Relationship Managers, and business stakeholders to enhance proposal quality, credit decision-making, and risk governance. I am passionate about supporting prudent business growth through sound credit judgment, disciplined risk assessment, and effective portfolio management. Open to opportunities in Credit Risk, Credit Review, Corporate Banking Risk, and Wholesale Banking across GCC and international markets. Saudi Premium Residency Holder | Based in Riyadh, Saudi Arabia
• Built a SAR 70M corporate portfolio within six months through asset‑backed and property‑secured financing. • Closed SAR 15M+ property‑backed facilities with enhanced collateral structuring and repayment visibility. • Designed and implemented a streamlined credit workflow that reduced approval cycle time by ~50%. • Strengthened risk controls across asset‑backed lending, fleet financing, and Murabaha commodity finance.
• Sole handler of corporate business development and credit underwriting for the Riyadh Branch, reporting directly to the Country Head / GM. • Served as Branch Credit Committee member and structured, defended, and negotiated proposals with Head Office Credit Risk under cross‑border standards. • Managed full transaction lifecycle: client negotiations, financial analysis, proposal drafting, approvals, legal documentation, and disbursement follow‑up. • Onboarded new corporate relationships across contracting, manufacturing, and trading sectors. • Played a key role in implementing Temenos T24 and launching digital remittance services.
(Progressed from Senior Credit Officer → Credit Manager) • Managed and directed a SAR 600M corporate leasing portfolio across contracting, manufacturing, and trading sectors. • Structured and underwrote SAR 100M+ large‑ticket leasing and real estate‑backed transactions with strong collateral coverage. • Influenced approvals exceeding SAR 2B+ through rigorous financial analysis, structuring, and risk‑aligned recommendations. • Led and trained Relationship Officers and Coordinators in underwriting standards, credit analysis, and ERP‑based workflow management. • Consistently achieved 100%+ of growth targets while maintaining strong portfolio quality and disciplined risk management. • Deputized for Regional Head, handling escalations, restructuring discussions, and strategic portfolio decisions.