Faisal A. Email & Phone Number

Riyadh, Saudi Arabia

Stressed Asset Management-Corporate Banking

Saudi Arabia

𝐊𝐞𝐲 𝐀𝐜𝐡𝐢𝐞𝐯𝐞𝐦𝐞𝐧𝐭𝐬:🞄 Evaluated and analyzed the bank's loan recovery performance, delivering actionable recommendations to senior management to enhance performance and reduce the size of the bad debt portfolio to more manageable levels.🞄 Demonstrated adeptness in effectively managing and negotiating with clients holding classified accounts with past dues surpassing 90 days. Proficiently identified early warning indicators of potential non-performing accounts within the corporate and commercial portfolio.🞄 Implemented agreed recovery plans, resulting in maximized recovery, reduced losses, and minimized provision needs for accounts, including recommendations of legal/enforcement actions when necessary.🞄 Executed agreed-upon recovery plans, resulting in optimized recovery rates, minimized losses, and reduced provisions for accounts. When necessary, skillfully recommended legal or enforcement actions to support the recovery process.🞄 Produced comprehensive status reports for assigned portfolios, accompanied by well-crafted settlement and write-off proposals. These reports fostered transparency and facilitated informed decision-making by stakeholders.🞄 Successfully mitigated non-performing portfolios and provisions by proactively pursuing cash recoveries, liquidating assets and securities, and implementing restructuring or rescheduling strategies for borrower facilities. Additionally, obtained additional securities to bolster loan security.🞄 Generated timely and periodic reports on portfolios under my authority, equipping senior management and credit committee members with up-to-date creditworthiness assessments. This information enabled informed decision-making tailored to the specific needs of each portfolio.🞄 Distinctly classified non-recoverable client portfolios from those deemed recoverable, providing valuable recommendations to the head of CRD regarding appropriate legal or enforcement actions against non-recoverable clients.

Al-Riyadh Governorate, Saudi Arabia

𝐊𝐞𝐲 𝐀𝐜𝐡𝐢𝐞𝐯𝐞𝐦𝐞𝐧𝐭𝐬:🞄 Supported senior management in conducting timely and high-quality credit reviews for assigned portfolios. Facilitated stakeholder engagement to finalize credit decisions and promptly escalated issues to higher levels for necessary corrective actions.🞄 Conducted comprehensive feasibility analyses for clients' financing projects, specializing in structured finance, syndicated loans, and project finance. Assessed the viability of projects and provided strategic insights on business risks and expected returns.🞄 Identified and diligently followed up on transactions exceeding approved risk limits, conducting detailed analyses to understand the underlying reasons. This included evaluating passive excesses, technical excesses, and transactions conducted beyond approved limits.🞄 Played a proactive role in credit monitoring and management at both client and portfolio levels. Ensured alignment with internal credit policies and regulatory requirements, while actively preparing credit reports and proposals for management review.🞄 Implemented robust ongoing monitoring practices for designated portfolios, leveraging internal and external resources. Proactively identified areas requiring corrective actions and diligently ensured their timely implementation.🞄 Demonstrated expertise in managing diverse segments, including Commercial, Corporate, and SMEs, across multiple regions. Evaluated business risks, assessed expected returns, and conducted comprehensive feasibility analyses for clients' financing projects in these segments, showcasing a strong understanding of market dynamics in each region.

Riyadh-Head Office

𝐊𝐞𝐲 𝐀𝐜𝐡𝐢𝐞𝐯𝐞𝐦𝐞𝐧𝐭𝐬:🞄 Held the position of Area Manager for Qassim regions, overseeing both Corporate and Retail operations, including Credit and Sales responsibilities.🞄 Received and meticulously reviewed credit applications submitted by the Business Team, ensuring thorough assessment and adherence to credit policies.🞄 Managed allocated deals, accounts, and credit issues, ensuring timely resolution of waiver requests and addressing portfolio-related issues promptly.🞄 Conducted creditworthiness assessments for SME customers, evaluating their potential and suitability for credit facilities.🞄 Evaluated credit proposals against established credit policy guidelines, making well-informed decisions regarding approval or rejection and providing clear justifications for each decision.🞄 Prepared comprehensive recommendations for the approval authority, providing detailed insights and analysis to support the decision-making process.🞄 Played a key role in reviewing and updating the company's credit policy as needed, ensuring it remains relevant and aligned with industry best practices and regulatory requirements.🞄 Provided assistance to the IT team in developing systems and tools that support risk criteria and facilitate credit-related processes.

Head Office Riyadh

🞄 Excelled in the role of Salesman, successfully promoting and selling Personal Loans and Credit Cards to customers, effectively communicating the benefits and features of these products.🞄 Conducted comprehensive assessments of loan and credit card requests, meticulously ensuring compliance with the bank's policies and guidelines, thereby maintaining a high standard of risk management.🞄 Expertly matched client requirements with suitable loan and credit card amounts, considering vital factors such as income, creditworthiness, and specific financial needs, providing tailored solutions to meet individual customer circumstances.🞄 Conducted thorough reviews of supporting documents, including salary certificates and credit history reports, diligently analyzing the information to determine appropriate loan and credit card amounts for customers, ensuring alignment with their financial capabilities.

Master Of Business Administration - Mba, Finance, Investment & Risk Management

Bachelor Of Commerce - Bcom, Accounting And Finance

Diploma Of Business, Accounting And Finance, 7

Foundation Degree, Business/Commerce, General

Activities and Societies: President of Saudi students club at Massey university Auckland, New Zealand 2009Engaged in Student Affairs.