Finance Treasury Manager Credit risk and corporate banking

ALI H. ALAW.

Finance & Treasury, Credit/Corporate Banking, Risk Management, Trade Finance Investment & Leadership Acumen Contact (966-**-****-***, E- Mail: *********@*****.*** LinkedIn: https://www.linkedin.com/in/ali-h-alaw-43061511/ A seasoned Saudi national with rich and diverse experience in managing Corporate Finance/Treasury, Credit & Risk Management, Banking Relationship, as well as strong Leadership skills to lead successful business teams. MAJOR PROFESSIONAL COMPETENCIES

Sound experience in Banking sector (Credit Risk/Corporate Lending) and Private sector in multiple activities.

Achieved a growth of Profit margin by 226% in FYE 2020 with 3% growth in Earning Per Share.

Led capital-raise transactions by Retained Earnings Capitalization, Private Placement Offering, and preparation of IPO.

Developed & executed the strategic plans to advance the company’s view, mission & objectives.

Implemented new policies, procedures, authority matrix & corporate governance, ERP workflow, electronic pay, contracting classification to develop a roadmap for day-to-day operations, avoid conflict, and maximizing return(s).

Built a diverse huge credit portfolio “from scratch” of Corporate Banking clients in KSA. EXPERIENCE

March 2020 – Present TES/QCC (Closed Joint-Stock)

GM / Enterprise Finance, Treasury, Risk Management and Investment Consultant

Assess & monitor key risks of operational/financial/liquidity/market/borrowing, etc. and the Financing & Investment activities to assist the Board of Directors in decision-making.

Responsible for driving the growth of revenues/profit margin and maximizing shareholders’ wealth.

Managing capital structure to secure funding through raising Equity or Debt as appropriate.

Work directly with appointed dept. heads to delegate responsibilities, motivate & provide strong leadership.

Create guidelines for following through on said responsibilities and ensure that all aspects are running efficiently.

Coordinate business activities with Chairman; provide timely, relevant & accurate management info to the BD.

Set & control the budget, tracking expenses, and finding ways to save money while still delivering excellent service.

Oversee the conduction of market researches to determine the needs of investment, marketing, ads, etc. and then implement plans based on research findings.

Approve deals & credit limits with vendors/suppliers/subcontractors, and hire the appropriate ones. Nov. 2016 – Dec. 2019 Kad Eng. & Const. Company (Aramco EPC Contractor) Khobar, KSA Treasury Manager

Setup the Treasury Dept. with personnel cross-functional/operational teams of cash management to execute the treasury strategic plan & initiatives from operations, funding, to risk mitigation.

Oversaw Treasury functions including liquidity/cash flow to meet operational & capital investment requirements.

Accountable for management reports, liquidity reporting, daily cash position, payables’ payments vs. receivables’ collections, outstanding loans & dues repayment, Trade Finance; Letter of Credit & Guarantees draws, etc.

Forecasts cash flow of projects, cash movements & requirements along with borrowing needs.

Established credit relationships with Banks & FI (local/int.) over SR 1.9 Billion with a unique success story.

Maintain banking relationships, negotiate T&C, pricing, structuring, etc. for projects’ financing, capex, WC, Trade, etc.

Assist Accounting team; Payables, Receivables, Unbilled/billed revenue, Accruals, Payroll, Petty cash, etc.

Kept an eye on costs, made cuts, credit risk, hedging & restructuring in different areas where necessary.

Engaged in Planning & Budgeting, Financial Statements reports, Internal & External Audit reviews, etc. 2

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July 2007 – Aug. 2016 Emirates NBD - Corporate Banking Riyadh, KSA Jan. 2011– Aug. 2016 Unit Manager / Team Leader

Developed & led a Relationship Management team of SRMs & RMs that are responsible for the management, marketing & growing the credit portfolio of existing & potential Corporate clients.

Proven a track record of managing successfully a significant portfolio value of SR 12 Billion for sophisticated Corporate accounts with the highest standards of credit quality & facility structure.

Business development, marketing, drives team’s motivation to meet target & successfully exceeded the targets.

Responsible for the team’s objectives & relationship plans for customers & key prospects.

Played a key role in the organization and in formulating the Division’s budget, annual plans & strategies.

Initiate profitable business opportunities over KSA; keep up-to-date with related industries & economic indicators.

Monitored portfolio accounts activity and early warning indicators in order to identify potential risk deterioration.

Provided financial advices & support to assist the clients in business decisions & investment opportunities.

Involved in advises for restructuring, raising capital, acquisitions, joint ventures, etc. July 2007 – Dec. 2010 Senior Relationship Manager

Managed to build up a diverse credit portfolio of more than SR 10 Billion from scratch of Corporate clients that engaged in different industries; Contr., Trad., Manuf., Transportation, Telecom, etc. by extending credit facilities and cross-Selling products/services over Central & Eastern regions for local, int./multinational corporations.

Study’s clients’ requests by analyzing each entity on fully basis with a comprehensive understanding of clients’ business operations, financial position & market aspects to evaluate credit worthiness, determine borrowing needs and identify potential opportunities to optimize the Bank’s returns and avoiding defaults.

Prepare & present complete Facility Applications; whether to conduct the annual reviews, initial reviews, special requests or interims, & syndication, all being in a time frame.

Using an automated system for Facility Application & Moody's Risk Advisor for Financials’ spreading & risk rating.

Responsible for credit supervision, daily management, regular contacts with clients and facilities’ structuring to ensure the clients’ satisfaction and smooth running of the account(s).

Duties include visiting clients/sites, preparation of call reports, verification of covenant compliance, and working closely with other appropriate divisions to execute tasks & meet the Bank's criteria.

Ensure in providing proper credit documentations, securities, waivers, amendments, etc. Nov. 2004 – June 2007 Banque Saudi Fransi - Commercial Banking Riyadh, KSA Relationship Officer

Handled a portfolio of credit facilities comprised of small to medium corporate accounts and maintained excellent relationship with clients to enhance business opportunities.

Monitored the assigned accounts’ relationships and business performance by conducting the annual reviews and urgent interims/specific requests as well as initial reviews, with credit accountability.

Obtain, spread, and analyze all relevant Financial Statements and other market & business related data to complete the customers’ Credit Files and recommend approvals of credit requests.

Resolve on a timely basis all clients’ issues/queries to ensure “best-in-class” services.

Responsibilities included the credit facilities structuring, presenting and defending recommendations to the relevant Credit Committee & Risk Management and then assure completion of all required securities.

Ensured maintenance of the portfolio credit quality through regular clients’ contacts, financials & market updates, track of industry developments, and a strong understanding of Trade Finance & its associated risk(s). 3

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Aug. 2001- Oct. 2004 Riyad Bank - Risk Management Riyadh, KSA Credit Risk Officer

Handle credit risk across the portfolio and underwrote comprehensive credit & risks analysis/assessment, and follow the relevant Bank’s credit policy.

Analyze the financial statements of SME to large corporations (domestic, international & multinational) inclusive the Bank's overseas customers (London & Houston Branches) for both regular corporate and large syndicate lending.

Evaluate and identify the strengths & weaknesses and business viability of each client in order to mitigate risk(s).

Summarize the Credit Applications for submission to the credit lending committee for final decision that required working closely with the committee by presenting & discussing each case directly to them. June – Dec. 2000 Co-op Trainee Khobar, KSA

Completed the Co-op program required by the University with SAMBA Financial Group; worked in the Corporate & Investment Banking as well as the Trade Finance Division. EDUCATION

1995 – 2001 KFUPM Bachelor’s Degree of Science in Finance Dhahran, KSA

Certified Treasury Professional, Association for Financial Professionals, Dubai 2018.

Award in Leadership & Management - Developing Effective Teams Program, LEORON; Dubai, 2015.

MBA Programme, Institute of International Research; Dubai, 2013.

Certified Manager Program “CMP”, Harvard Business School; 2011.

Certificate in Due Diligence. In association with George Washington University School of Business (GW); 2010.

Certified Cash Flow Manager “CFM”, American Int. Academy of Financial Management; 2009.

Executive Communication Program, University of Pennsylvania (Wharton Business School); USA, 2007.

Basic Investment Essential Certificate Accreditation. (BIC# 02542); SAMA Institute of Banking, 2006.

Private Class of English in advanced Conversation, ILCSA, USA; December 2002. CONTINUING EDUCATIONAL COURSES PROVIDERS

Model of Human Behavior.

How to Establish an Effective Team.

1) Spirit of compliance, 2) Financial Crime, 3) Fraud.

1) Personal Effectiveness, 2) Persuasive Communication.

Financial, Commercial and Legal Due Diligence.

Cash Flow, Capital Budgeting and Role of Valuation Methods.

Treasury Products & Markets.

Management Programme.

1) Negotiation Skills, 2) Effective Business Writing Skills.

1) Analysis & Interpretation of Financial Statements, 2) Banks’ Lending

Combating Terrorist Financing Training.

Credit Analysis Techniques.

Advanced Credit Risk Analysis.

Moody's Financial Analyst and Moody's Risk Advisor.

1) Exceeding Customer Expectations, 2) Money Laundry. Improvement Master, Bahrain.

Institute of Leadership & Management.

Thomson Reuters.

Harvard Business School.

IIR, Dubai.

IAFM, Dubai.

IIR Middle East, Dubai.

Ashridge Business School, UK-Bahrain.

BSF in-house training.

BSF in-house training.

In-house training.

Euromoney /DC Gardner Training.

SAMA IOB (by Mr. George Sharp).

Moody's Credit Training.

Both RB in-house training.

General Banking Courses covering Treasury, Fundamental concept of Investment, Islamic Banking, Effective Selling & Presentation Skills, Negotiation Skills & Personal Effectiveness, Skills of Dealing with others, and Time Management. Credit and Marketing Courses covering Principles of Accounting, Cost Accounting, Advanced Financial Accounting, Cash Flow Analysis and Forecasting, Analysis & Interpretation of Financial Statements, Problematic Loans Management, Credit Risk Analysis, Trade Finance, Credit Documentation, and Contracts' Finance. 4

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SKILLS

Leadership, Relationship & Interpersonal.

Results Driven & Target Achievement.

Communication (oral & written).

Highly-motivated & Problem Solving.

Cross selling & Negotiation.

Business & Credit risk management.

Credit oriented; solid Credit analysis & structuring.

Attention to detail & ability to Priorities.

Time Management & Work under Pressure.

Strategic Vision & Multitasking.

Teamwork & Ability to work autonomously.

Committed, Reliable with a Strong Work Ethic.

Management of Working Capital, Facility, Trade Finance, etc.

Working in multinational & global business environment. PERSONAL BACKGROUND

A Saudi national having excellent language bilingual proficiency in Arabic & English and hands on with all Microsoft Office computer applications.

REFERENCE

Direct manager at RB was Abdullah Alorifi (currently Albilad’s CRO) Direct manager at BSF was Sami Almuhaimeed (retired) Direct manager at ENBD was Abdulilah AlAhmed (currently Alinma’s county corporate banking head) Direct manager at KAD E&C was Badi uz Zaman Qureshi (currently a Group CFO)

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