Abdulaziz Khoja

Saudi National Bank

Assistant Corporate Banker | February 2023 – Present

• 2023: Served as a full-pledged Relationship Manager (RM), successfully managing a portfolio with SR 400 million in outstanding assets. Consistently achieved performance targets through effective client relationship management and strategic portfolio oversight.

• 2024: Transitioned to the Prospect Team, where I:

• Spearheaded efforts to onboard new clients, significantly expanding the bank’s client base.

• Conducted comprehensive credit analyses to evaluate the credit worthinessbility of potential clients.

• Structured and proposed financial facilities, ensuring alignment with the bank’s risk appetite.

• Collaborated closely with the Risk Department to discuss and mitigate potential risks.

• Confidently presented proposals and deals to the Risk Committee, advocating for favorable outcomes.

• Established and nurtured strong relationships with new clients, greatly enhancing my professional network and contributing to the bank’s long-term growth.

• Leveraged deep knowledge of banking practices to impose conditions and covenants that effectively minimize risk and reduce provisions.

Saudi National Bank - Future Leaders Program

Participant | [Rowad Program]

• Selected for an elite program aimed at grooming high-potential young professionals for future leadership roles within the bank.

• Completed comprehensive rotations across multiple departments, gaining in-depth exposure to various banking functions, including [Treasury, Corporate Banking, Retail Banking, Risk and Global Markets].

• Acquired advanced knowledge through training modules developed in partnership with Harvard Business School and Kaplan, covering key areas such as [Fin-tech, Financial Analysis, Risk Management and Asset Management].

• Successfully passed rigorous exams and earned certifications from both Harvard and Kaplan, demonstrating a solid foundation in banking principles and practices.

• Graduated from the program with a strong understanding of the banking industry and its operations, ready to contribute effectively to the organization.

• Assisting Customers by answering there questions and solving problems via email or by telephone
• Meeting a client with relationship officer to discuss the need of the loan, in order to choose the most suitable loan product for the clients business purpose
• Preparing and reviewing several credit proposals and call reports
• Approving qualified lenders or investors into the platform based on the central banks requirements
• Evaluating a companies credit risk based on Financials and Cashflows
• Account reconciliation and confirming that accounts in the general ledger are consistent, accurate and complete.
• Boosted social media engagement through creative content creation.
• Supported financial forecasting by accurately processing expense reports.