Khalid Bakhsh
Jeddah,Saudi Arabia
Summary
Assistant Relationship Manager in Corporate Banking managing a SAR 300M multi-sector portfolio. Experienced in credit analysis, financial assessment, and client relationship management. Strong analytical foundation supported by FMVA certification.
Overview
6
6
years of professional experience
4
4
years of post-secondary education
1
1
Certification
Work history
Assistant Relationship Manager
Saudi Awwal Bank
Jeddah, Saudi Arabia
04.2024 - 11.2025
- Managed a diversified SAR 300M portfolio across retail, manufacturing, healthcare, Hajj & Umrah, wholesale, and contracting sectors.
- Successfully originated and onboarded the bank's first client in a new segment, expanding SAB's market footprint.
- Conducted detailed financial and credit analysis, including cash flow assessments, collateral evaluation, and risk profiling.
- Prepared annual credit reviews, facility renewals, and financing proposals in line with risk policies.
- Engaged with clients to address inquiries, resolve issues, and enhance overall service quality.
- Identified cross‑selling and upselling opportunities to improve facility utilization and deepen relationships.
- Supported senior RMs in structuring suitable banking solutions tailored to client needs.
Financial analyst
HAYKALAH Financial Services
Jeddah, Saudi Arabia
06.2023 - 03.2024
- Developed and maintained financial models to support investment evaluations and decision‑making.
- Conducted detailed research on industries, projects, and market trends to support investment analysis.
- Performed valuation exercises and contributed to financial due diligence activities.
- Enhanced financial model accuracy through ongoing updates and scenario adjustments.
Accountant
AS3A
Jeddah, Saudi Arabia
08.2020 - 03.2024
- Created invoices, quotations, and maintained accurate records of expenses.
- Assisted with VAT preparation and compliance.
- Monitored financial transactions and maintained organized documentation.
Transportation Supervisor
TEAA Holding Company
Makkah, Saudi Arabia
07.2023 - 08.2023
Transportation Supervisor
TEAA Holding Company
Makkah, Saudi Arabia
08.2022 - 09.2022
Transportation Supervisor
TEAA Holding Company
Makkah, Saudi Arabia
07.2019 - 08.2019
Education
Bachelor of Business Administration - Finance
University of Business & Technology
Jeddah, Saudi Arabia 01.2020 - 12.2023
Skills
- Financial Analysis
- Credit Analysis
- Relationship Management
- Risk Assessment
- Financial Modeling
- Market & Sector Research
- Communication & Presentation
- Decision Making
Certification
- Certified Financial Modeling & Valuation Analyst (FMVA®)
- Bloomberg Market Concepts
- Professional Certificate Program in Data and Business Analytics
Languages
Arabic
Native
English
Fluent
Timeline
Assistant Relationship Manager
Saudi Awwal Bank
04.2024 - 11.2025
Transportation Supervisor
TEAA Holding Company
07.2023 - 08.2023
Financial analyst
HAYKALAH Financial Services
06.2023 - 03.2024
Transportation Supervisor
TEAA Holding Company
08.2022 - 09.2022
Accountant
AS3A
08.2020 - 03.2024
Bachelor of Business Administration - Finance
University of Business & Technology
01.2020 - 12.2023
Transportation Supervisor
TEAA Holding Company
07.2019 - 08.2019