Raghad Alsafadi
Summary
Credit Analyst with two years experience in financial analysis and risk assessment. Proficient in credit evaluation and data analytics, supporting lending decisions and enhancing portfolio performance. Skilled in creating financial models and utilizing advanced analytical tools to perform due diligence and assess credit risk effectively. Dedicated to providing insightful analysis that informs strategic decision-making and reduce potential risks within the lending process.
Overview
2
2
years of professional experience
2020
2020
years of post-secondary education
1
1
Certification
Work history
Credit analyst specialist
Tarmeez Capital
01.2023 - Current
- Analyzed financial statements and assessed applicants' credit data for loan eligibility, ensuring strict compliance with credit policies.
Conducted detailed financial ratio analysis to improve credit risk assessment, identifying key indicators that influence loan performance. - Prepared comprehensive credit analysis reports with strategic recommendations to support effective lending decisions for key stakeholders.
- Delivered onboarding and training sessions for new employees and existing team members.
- Provided ongoing support to the team, assisting them in achieving company performance objectives.
- Developed and utilized advanced Excel tools to enhance the evaluation process and improve overall efficiency.
- Applied financial modeling techniques to assess risk and predict loan performance, enabling informed decision-making and proactive management.
- Improved portfolio quality through rigorous due diligence on new and exciting borrowers' applications, minimizing risk and enhancing overall creditworthiness.
- Built and maintained positive relationships with borrowers.
- Constructed loan repayment schedules aligned with the company's cash flow to minimize the risk of default.
Coop Trainee
Tarmeez Capital
10.2022 - 12.2022
- Engaged in diverse roles and responsibilities within a startup environment, significantly contributing to various projects and initiatives.
- Developed a wide range of skills in areas such as credit, operations and sales.
- Collaborated with cross-functional teams to drive innovation and support the company's growth objectives
- Analyzed financial statements and developed an Excel model to reflect key financial indicators.
- Assessed funding requests and discussed them with credit committee members.
- Worked on financing solutions to meet client requirements.
- Fostered positive relationships with clients and managed relationships with funding applicants to understand their needs.
- Successfully closed multiple client deals.
- Execute lead management strategies to identify and nurture potential clients, ensuring a steady pipeline of opportunities.
Education
Bachelor of Business Administration in Accounting -
Alyamamah University
2019 - 2022
English Course -
Interlink International Institute
10/2019 - 12.2019
Skills
- Financial Statement Analysis
- Data Analytics & Financial Modeling
- Credit Analysis & Risk Assessment
- Loan structuring
- Ratio analysis
- Proficiency in Excel and Power BI
- Strong Analytical & Problem-Solving Skills
- Client Relationship Management
- Negotiation Skills
- Strong Verbal Communication
- Collaboration and Teamwork
- Effective communication and presentation skills
- Experience in lead and pipeline management
Certification
Certified Financial Modeling & Valuation Analyst (FMVA®)
Commercial Banking & Credit Analyst (CBCA®)
Value Added Tax
Bloomberg Trading Challenge
Data Analysis in Excel
Languages
Arabic | Native
English | Advanced
German | Elementary
Timeline
Credit analyst specialist
Tarmeez Capital
01.2023 - Current
Coop Trainee
Tarmeez Capital
10.2022 - 12.2022
Bachelor of Business Administration in Accounting -
Alyamamah University
2019 - 2022
English Course -
Interlink International Institute
10/2019 - 12.2019
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