Fahd Almashal

•Lead and mentor a team of 12 credit analysts, setting individual KPIs, conducting quarterly performance reviews, and
driving a high-performance culture across the department.
•Oversee review and approval of a credit portfolio exceeding SAR 500M annually, covering corporate, SME, and retail
segments.
•Ensure full team compliance with SA
M
A regulations, Basel III requirements, and A
ML/CFT frameworks, achieving zero
regulatory findings in three consecutive external audits.
•Led a comprehensive credit policy review that resulted in an 18% reduction in non-performing loans (NPL) within 18
months.
•Spearheaded a credit operations digitization project reducing the approval cycle from 7 days to 3 days, improving
customer experience and operational efficiency by 57%.
•Prepare monthly and quarterly portfolio quality reports and KPI dashboards presented to the Executive Committee and
Board Risk Committee.
•Represent the Credit Operations function during SA
M
A external audits and independent regulatory reviews as primary
point of contact.
•Reduced staff turnover by 30% over two years through structured career development plans and mentorship programs.

•Credit Assessment: Analyzing customer financial statements, credit reports, and payment history to determine
creditworthiness.
•Credit Limits: Setting, reviewing, and adjusting credit limits for new and existing clients.
•Risk Mitigation: Identifying potential bad debt, conducting risk analysis, and developing mitigation strategies.
•Collection Management: Monitoring payment activity, reducing Days Sales Outstanding (DSO), and recovering
outstanding debts.
•Reporting & Analysis: Preparing reports on the credit status of customers, including payment trends and risk levels.
•Collaboration: Working with sales, legal, and finance teams to negotiate terms and resolve disputes.

•Analyze credit applications for retail and SME clients, assessing creditworthiness in line with internal policies and
SA
M
A regulations.
•Prepare comprehensive credit reports including financial statement analysis, liquidity ratios, and solvency metrics to
support approval decisions.
•Verify customer credit data through SIM
AH and cross-reference information prior to submitting recommendations to
senior reviewers.
•Process and enter financing application data into SAP and Temenos with a 98%+ accuracy rate and within defined SLA
timeframes.
•Ensure all credit operations align with SA
M
A guidelines, A
ML/CFT requirements, and internal risk management
policies.
•Prepare weekly and monthly reports on loan portfolio status, delinquency rates, and pipeline activity for senior
management.
•Contributed to a 20% reduction in documentation error rates through process improvement initiatives.
•Identified 12 potential fraud cases in the first year, preventing estimated losses of SAR 1.2M.

• Transaction Processing: Maintaining daily financial records, processing invoices, expense reports, and payments
(AP/AR).
• Reconciliation: Reconciling bank statements, vendor statements, and general ledgers to ensure accuracy.
• Compliance: Assisting with VAT returns, tax filings, and adhering to ZATCA (Zakat, Tax and Customs Authority)
regulations.
• Financial Reporting: Supporting month-end and year-end closing activities, preparing preliminary financial reports,
and aiding in budget preparation.
• General Support: Assisting accountants with audit preparations and maintaining organized filing systems.
• Proficiency in accounting software Microsoft Dynamics AX and MS Excel skills.

•Audit Fieldwork: Conduct substantive testing on financial records, including cash, accounts receivable, and
property/equipment.
•Documentation: Prepare audit working papers, verify supporting documents, and ensure documentation meets
professional standards.
•Risk Evaluation: Identify potential risks, internal control weaknesses, and areas for improvement.
•Compliance: Verify client adherence to Saudi Arabian standards (SOCPA), IFRS, and relevant tax laws.
•Reporting: Assist senior auditors in preparing draft audit reports and presenting findings.