Fahad Alowaidah
Riyadh
Summary
Finance professional with over 10 years of experience across commercial banking, wholesale finance, and corporate operations. Currently working as a Relationship Manager in the SME segment, with strong hands-on exposure to financial statement analysis, cash flow assessment, credit structuring, and portfolio management. Experienced in working closely with businesses across multiple sectors and understanding real operating and liquidity challenges. MBA graduate with solid grounding in capital markets, valuation fundamentals, ESG concepts, and strategic finance, seeking to transition into an Analyst / Research / Corporate Finance role where deeper financial analysis and decision support are required.
Overview
13
13
years of professional experience
1
1
Certification
Work history
Relationship Manager
Arab National Bank
2023.06 - Current
- Manage a portfolio with approximately SAR +800 million in annual turnover across multiple sectors.
- Originated and structured over SAR 200 million in new credit facilities, including working capital, term loans, and trade finance.
- Conduct detailed financial statement and cash flow analysis to assess creditworthiness and repayment capacity.
- Prepare internal credit assessments and financial summaries for approval committees.
- Build basic financial models and scenario analyses to stress-test cash flows.
- Acquired 30+ new clients through sector analysis and targeted market development.
- Monitor SAMA regulations and market developments impacting portfolio risk.
Assistant manager
Alowaidah Family Group
Riyadh
2014.03 - 2023.05
- Prepared financial forecasts and resource allocation models.
- Analyzed margins, cost structures, and operational performance.
- Evaluated new initiatives using financial and strategic analysis.
Analyst
King Faisal Specialty Hospital
2012.10 - 2014.01
- Assisted in data analysis for operational decision-making
Education
Master of Business Administration - Econemy
ALFAISAL UNVIRSITY
2021
Bachelor's degree -
KING SAUD UNIVERSITY
2012
Skills
- Financial statement analysis
- Cash flow analysis and forecasting
- Credit analysis and risk assessment
- Valuation fundamentals (DCF, comparables)
- Excel-based financial modeling
- Bloomberg fundamentals and market data
Certification
Project management professional (PMP) certified.
Environmental Social Governance Certificate.
CME 1 (English).
Bloomberg Market Concepts Certificate(BMC).
Participations
Saudi Esports Federation-Board Member:
- Participated in board-level discussions related to strategy, budgeting, and governance.
- Reviewed management proposals and supported long-term strategic alignment
Timeline
Relationship Manager
Arab National Bank
2023.06 - Current
Assistant manager
Alowaidah Family Group
2014.03 - 2023.05
Analyst
King Faisal Specialty Hospital
2012.10 - 2014.01
Master of Business Administration - Econemy
ALFAISAL UNVIRSITY
Bachelor's degree -
KING SAUD UNIVERSITY