Abdulmalek Alwayli
Riyadh,Saudi Arabia
Summary
Thorough banking professional knowledgeable about bank products, processes, and regulations. Confident and organized in helping consumers navigate complex systems to achieve financial goals and enhance bank profitability. History of completing impeccable work by balancing institutional and consumer needs. Effective at keeping customer loans in line with bank and legal guidelines through systematic assessments. Dedicated to optimizing bank portfolios by balancing risk with profitability.
Overview
12
12
years of professional experience
2007
2007
years of post-secondary education
1
1
Certification
Work history
Credit Manger
Alpha Aribia Finance
Riyadh, Riyadh Region
11.2023 - Current
- Analysed financial statements to identify client viability and risk.
- Conducted credit checks and monitored credit alerts.
- Monitored financial markets to recommend suitable client products.
- Utilised deep understanding of industry best practices and legal requirements to prevent critical incidents.
- Monitored accounts for signs of fraud and non-payment issues for swift resolution.
- Drafted new policy documentation and briefing papers.
- Developed policy proposals for deliberation during committee meetings.
Senior Credit supervisor
Al Nayifat Finance Company
Riyadh, Saudi Arabia
05.2016 - 11.2023
- Conducted research into references for reliable approval outcomes.
- Reviewed and submitted applications to management with recommendations.
- Mentored team of 40 employees to achieve KPIs.
- Drove development of scorecards in collaboration with internal departments.
- Targeted areas and requests highlighted by industry regulators, working within specified timeframes.
- Updated credit risk policies and procedures to mitigate against developments in fraud strategies.
- Oversaw implementation of changes to maintain compliance in light of regulatory changes.
- Worked cross-functionally to evaluate and refine internal processes, increasing protection from financial risk.
Credit Analyst
SAMBA Bank
Riyadh, Riyadh Region
01.2014 - 05.2016
- Enforced established policies and regulations, fulfilling regulatory compliance requirements.
- Assessed credit risk and financial statements against company requirements to determine eligibility for credit.
- Investigated fraud and financial crime indicators to detect and address risks.
- Reviewed customer history and company financials before processing credit applications.
Education
Bachelor of Business Administration - Management Information System
Arab Open University
Riyadh, Riyadh Region 07/2022 -
High School Diploma - Natural sciences
Altaqwa Islamic National
Riyadh, Riyadh Region01.2007
Skills
- Credit risk management
- Financial audits
- Loan documentation
- Financial viability assessment
- Credit analysis
- Credit validations
- Financial statement review
- Loan recommendations
- Credit policy management
Languages
Arabic, English
Native
Certification
- Certified Credit Risk Professional (CCRP) LEORON institute- Feb 2025
- Risk Management and Credit Principles , edx - Feb 2025
- Credit Adviser Professional Exam , The Financial Academy - Nov 2020
- Retail Banking Foundations Professional Exam, The Financial Academy - Jun 2015
- Credit Analysis and Decision-Making Mechanism Training - Sep 2019
- Corporate Credit Analysis - FitchLearning Training - Sep 2018
- Introduction to Loan Processes Training - Dec 2018
Timeline
Credit Manger
Alpha Aribia Finance
11.2023 - Current
Senior Credit supervisor
Al Nayifat Finance Company
05.2016 - 11.2023
Credit Analyst
SAMBA Bank
01.2014 - 05.2016
Bachelor of Business Administration - Management Information System
Arab Open University
07/2022 -
High School Diploma - Natural sciences
Altaqwa Islamic National