• Successfully designed/launched a new type of SME credit guarantee product (credit portfolio guarantee) which involve participating in team of functional staff and negotiating with Kafalah partners• Established and executed several strategic partnerships to support achievement of my organization’s goals, ranging from partnerships with corporations, government entities, and international organizations• Gained exposure on obstacles, needs, success factors of Saudi SMEs

• Manage a credit portfolio (45% of the total credit) which required collaborating with senior bank executives• Applied detail-orientated skills to conduct comprehensive financial credit risk appraisals of wide variety of enterprises (including evaluation of market, operation, owner/management, and financial risks)

• Gained exposure on commercial banking processes & policies in Saudi Banks while evaluating their due diligence. Exposure includes types of bank facilities, facility pricing, repayment conditions, call & visit reporting, client business descriptions, collaterals, facility terms & conditions, client/bank historical relationship, analysis of client financial profitability/financial health including capital structure & cash flow