ABDULAZIZ BINOWAIN
Riyadh,Riyadh Region
Summary
Analytical with keen interest in financial risk management. Possess strong problem-solving skills and proficiency in data analysis, ensuring thorough assessments and strategic decision-making. Aim to enhance credit risk processes and contribute to sound financial practices.
Overview
3
3
years of professional experience
5
5
years of post-secondary education
1
1
Certification
Work history
Assistant Business Credit Manager
BSF
Riyadh, Riyadh Region
12.2023 - Current
- Managed business credit reports using relevant research, investigation methods and data to provide evidence for recommendations.
- Analyses prospective clients' income, assets, debts to determine financial standing.
- Analysed financial statements to identify client viability and risk.
- Reviewed and submitted applications to management with recommendations.
- Assessed client portfolios, identified potential risks and vulnerabilities.
- Improved overall company financial health with thorough credit risk analysis.
- Alleviated financial risk through thorough analysis of clients' credit history.
Risk management/credit analyst
Bank Albilad
Riyadh, Riyadh Region
05.2023 - 11.2023
- Enhanced credit risk models by implementing innovative analytical techniques.
- Analysed complex financial data for accurate risk assessment.
- Managed high-risk accounts proactively to minimize default rates and maximize recovery efforts.
- Evaluated financial data to measure risk exposure and recommend solutions.
Liquidity&Cash Managment (LCM)
Banque Saudi Fransi (Co-op)
Riyadh, Riyadh Region
02.2023 - 05.2023
- Worked on digital banking and cash management products like online banking, B2B, and point of sale (POS) platforms.
- Collaborated with treasury team to monitor and manage cash balances and bank accounts.
- Provided customer support for digital banking and cash management products, ensuring customer satisfaction and problem resolution.
- Assisted with testing and implementation of new digital banking and cash management products.
- Applied knowledge of data modelling and statistical analysis.
Finance department (Internship)
Ministry of Human Resources and social Development
Riyadh
11.2022 - 12.2022
- Assisted in financial forecasting for improved budget preparation.
- Collaborated closely with other departments on budget matters, fostering better inter-departmental cooperation.
- Helped with forecasting and budgeting to manage expenses.
Education
Bachelor of Business Administration - Finance&investissement
Imam Muhammad Bin Saud Islamic University
Riyadh, Riyadh Region 06.2018 - 12.2022
Skills
- Researching skills
- Financial reporting and analysis
- Business reporting
- Portfolio management
- Credit risk analysis
Certification
- CME-1-Capital Market Authority
- Reading Financial Statements-Corporate Finance Institute
- Investment Risk Management-The Financial Academy
- Credit Foundation Program-Wallstreetprep
Timeline
Assistant Business Credit Manager
BSF
12.2023 - Current
Risk management/credit analyst
Bank Albilad
05.2023 - 11.2023
Liquidity&Cash Managment (LCM)
Banque Saudi Fransi (Co-op)
02.2023 - 05.2023
Finance department (Internship)
Ministry of Human Resources and social Development
11.2022 - 12.2022
Bachelor of Business Administration - Finance&investissement
Imam Muhammad Bin Saud Islamic University
06.2018 - 12.2022
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