Bilal Saudi Email and Phone Number

With 18 years of extensive experience in corporate and transaction banking, I have successfully navigated the financial landscape, driving growth and delivering strategic financial solutions to high-profile clients. My expertise spans across credit proposals, structuring import LCs, and internal financing, with a particular focus on the automotive sector.As a director and team leader, I spearhead initiatives that enhance client satisfaction and drive business growth. I am adept at building and leading high-performing teams, fostering a culture of excellence, and ensuring seamless execution of financial strategies.Key Responsibilities: • Formulate and execute business plans as agreed with the head of large corporate banking to achieve performance targets. • Ensure portfolio growth by acquiring new-to-bank (NTB) relationships within our target market and leveraging existing client relationships. • Lead, coach, and mentor Senior Relationship Managers (SRM), Senior Credit Analysts (SCA), and other team members. • Collaborate with product partners to cross-sell offerings and increase our share of wallet. • Work closely with credit risk teams to address key concerns and ensure efficient turnaround times. • Own and commit to account plan deliverables. • Drive client engagement focused on branch cost reduction and digitalization. • Ensure transparent and fair outcomes for clients in line with existing guidelines and policies. • Adhere to the bank’s pricing guidelines, deal reviews, client communications, and other prescribed front-office processes. • Price risk efficiently in accordance with the bank’s RAROC methodology to achieve set targets for ROE and ROA.Area of Expertise : • Corporate Banking • Transaction Banking • Credit Proposals and Risk Assessment • Structured Finance • Strategic Account Management • Team Leadership and Development

• Managing a portfolio of large corporate accounts with a volume of 120 million dollars of direct and indirect facilities, mainly in the following industries: contracting, iron & steel, chemical industries, trading and pharmaceuticals.• Meeting and exceeding targets of increasing my portfolio income contribution and market share of the bank by originating new business, maximizing wallet share from the portfolio, cross-selling the bank's entire suite of products and services and defending existing business.• Analyzing, in details, the client’s & business’ needs by negotiating and structuring facility transaction proposals that both cater to the client requirements and meet the Bank's broader objectives.• Resolving all client problems/queries in a timely manner to ensure best-in-class customer service.• Reviewing the quality of borrowing relationships so that bad debts are kept to a minimum and profitability is enhanced.• Receiving trade finance requests (LCs, LGs, BCs…) and fulfilling them in a professional manner.• Handling corporate customers trade finance requests (LCs, LGs, BCs…) and advise them upon readiness.

• Managed a team of four employees and provided them with guidance and support.• Delivered outstanding service to clients by approving financial transactions in accordance with bank policies and procedures.• Resolved client issues and internal team issues and responded to client inquires promptly and effectively.• Adhered to operational controls, including legal, corporate, and regulatory procedures to ensure the safety and security of the customers’ and the bank’s assets.• Drove efforts in the branch to identify and implement a positive overall client experience.• Deepened client relationships by effectively overseeing the execution of all services and cross selling the bank’s products.• Carried/handled custody items and keys as per custodian matrix, and relevant P&Ps.

• Handled corporate customers’ requests/inquiries related to their accounts, products and services in a professional manner and referred them to a respective RM whenever needed.• Promoted the bank’s services and products.• Received trade finance requests and fulfilled them in a professional and timely manner.• Kept the minimum number of errors and customer complaints in the branch.