Lujain Al Hammad
Riyadh,Saudi Arabia
Summary
Insurance and risk professional with experience in export credit insurance, commercial underwriting, and trade credit risk analysis across multinational insurance and institutional environments. Skilled in country risk assessment, corporate financial analysis, underwriting evaluation, and policy review. Experienced in supporting strategic initiatives involving international rating agencies, cross-functional stakeholder coordination, and complex trade-related exposures.
Overview
4
4
years of professional experience
5
5
years of post-secondary education
1
1
Certification
Work history
Assistant Manager – Credit Risk Insurance
Saudi EXIM Bank
Riyadh, Saudi Arabia
2024.04 - Current
- Reviewed underwriting memorandums and insurance transactions to evaluate credit country and structural risks.
- Conducted comprehensive country risk assessments that encompassed economic, political, banking, legal, and operational environments for international exposures.
- Maintained consistent delivery of risk assessments and analytical reviews within accelerated turnaround timelines across multiple parallel workstreams.
- Reviewed reinsurance agreements, claims related submissions, and policy documentation to support risk evaluation and underwriting decisions.
- Represented Saudi EXIM Bank in international export credit and insurance industry engagements.
- Contributed to strengthening country and credit risk assessment capabilities through evaluation and onboarding of external financial and economic intelligence tools.
Credit Risk Analyst
Allianz Trade
Riyadh, Saudi Arabia
2023.04 - 2024.04
- Conducted corporate credit assessments through analysis of financial statements, payment behavior, debt exposure, and operational performance.
- Evaluated the creditworthiness of companies across Saudi Arabia, Kuwait, and Egypt.
- Assessed trade credit risk exposures and supported underwriting decisions through financial and operational analysis.
- Analyzed business models, strategic initiatives, and sector performance to evaluate financial sustainability and counterparty risk.
- Engaged directly with local and international buyers to validate financial and operational information.
- Managed high-volume corporate financial assessments while consistently exceeding turnaround time targets.
Commercial Property Underwriter
Allianz Saudi Fransi
Riyadh, Saudi Arabia
2022.01 - 2023.03
- Evaluated commercial property risks through assessment of operational exposures, historical loss data, and property risk profiles.
- Reviewed insurance applications and determined policy terms, coverage structures, and premium adequacy based on underwriting guidelines.
- Conducted underwriting analysis aligned with company risk appetite, pricing strategy, and regulatory requirements.
- Worked closely with brokers, clients and risk engineers to assess exposures and support underwriting decisions.
- Participated in industrial site inspections and property risk evaluations to strengthen technical understanding of operational risks.
Education
Bachelor of Business Administration - Insurance & Risk Management
Imam Muhammad Ibn Saud Islamic University
Saudi Arabia 2017.09 - 2022.06
Skills
- Export Credit Insurance (ECA)
- Trade Credit Risk
- Country Risk Analysis
- Corporate Credit Assessment
- Financial Statement Analysis
- Reinsurance
- Stakeholder Management
Certification
- CII Level 3 Certificate in Insurance — Chartered Insurance Institute (CII)
- Certified Data Intelligence Professional (CDIP) — Virginia Institute of Finance & Management
- Insurance Foundations Professional Exam — The Financial Academy
Languages
English
Fluent
Arabic
Native
Timeline
Assistant Manager – Credit Risk Insurance
Saudi EXIM Bank
2024.04 - Current
Credit Risk Analyst
Allianz Trade
2023.04 - 2024.04
Commercial Property Underwriter
Allianz Saudi Fransi
2022.01 - 2023.03
Bachelor of Business Administration - Insurance & Risk Management
Imam Muhammad Ibn Saud Islamic University
2017.09 - 2022.06