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abdulaziz alsana, Senior Manager – Credit Risk Systems

abdulaziz alsana

Senior Manager – Credit Risk Systems·Riyad Bank

Saudi Arabia

Bachelor's degree, Management information system

Work experience

Total years of experience: 8 years, 9 months

Senior Manager – Credit Risk Systems

May 2022 - August 2024

Riyad Bank

Riyadh, Saudi Arabia

May 2022 - August 2024

• Lead and oversee credit risk systems supporting corporate, commercial, and SME banking.
• Initiate and manage Change Requests (CR) to enhance system controls, risk coverage, and
reporting quality.
• Ensure alignment between business requirements, risk policies, and regulatory standards.
• Act as a key interface between business, risk, quality, and IT teams to strengthen control
effectiveness.
Company industry:
Banking

senior manager credit risk

February 2022 - August 2024

بنك الرياض

Riyadh, Saudi Arabia

February 2022 - August 2024

Company industry:
Banking
Job role:
Banking

Manager – Credit Control Analyst (Credit Assurance Risk Unit)

April 2018 - May 2022

Riyad Bank

Riyadh, Saudi Arabia

April 2018 - May 2022

• Reviewed credit proposals to ensure full compliance with credit policies, procedures, and
quality standards.
• Assessed collateral, securities, guarantees, and documentation prior to controlled loan
disbursement.
• Monitored EEU product ratings, portfolio performance, and risk indicators.
• Ensured accurate setup of facilities, exemptions, guarantees, and review dates in credit
systems.
• Strengthened quality assurance controls across credit lifecycle processes.
Company industry:
Banking

MANAGER CREDIT CONTROL ANALYST, CREDIT ASSURANCE RISK UNIT

April 2018 - April 2021

Riyad Bank

Riyadh, Saudi Arabia

April 2018 - April 2021

Credit Risk Assurance & control section.
To assess and identify that the credit proposals are developed according to the banks processes and procedures and that they comply with all the requirements set by the credit policy of the bank, e.g collateral, securities, documentation, etc in order to proceed to the risk controlled disbursement of loans.

Implementing SME products as final step to insure the RM meets the requirements from documents and system side, monitoring Clint rating, monitoring the products portfolio and giving final approval.
Executing exaction part ensuring that the facilities guarantees and condition are met before the approval put into effect and ensuring all exemptions, guarantees, documents, facilites and review facility date are created on the system.
Company industry:
Banking
Job role:
Banking

Assistant Manager – Credit Operation Process

November 2015 - July 2017

Riyad Bank

Riyadh, Saudi Arabia

November 2015 - July 2017

• Supported relationship managers and contracting units in executing approved credit
facilities.
• Approved Letters of Guarantee (LGs), Letters of Credit (LCs), and bill discounting
transactions.
• Implemented treasury and trade finance products across core banking systems while
ensuring risk compliance.
Company industry:
Banking

ASSITANT MANAGER, RIYAD BANK, HEAD OF DIVISION, CREDIT OPERATION PROCESS

November 2015 - January 2017

Riyad Bank

Riyadh, Saudi Arabia

November 2015 - January 2017

Implements relation ship manager and contracting unit request to hold Clint account or partial amounts (RDC system). Approving LGs, LCs and Bill discounting also giving confirmation to trade finance ( FID system & emails). . Implement treasure products on the system (KGR system).
Company industry:
Banking
Job role:
Banking

BANK OFFICER, RIYAD BANK, HEAD OF DIVISION, CREDIT CONTROL PROCESS UNIT

April 2015 - November 2015

Riyad Bank

Riyadh, Saudi Arabia

I found this job using Bayt.com

April 2015 - November 2015

Follow up with past due facilities and directing it to whom it concern if its need to suspend facilities, customer rerating and loan recovery (BO reporting system). Review loans by correct execution of the loan, match loan by the approval to systems ( Algo, and RDC systems). Connect loans to the correct facility. Ensured mortgage shares is covering ( IOMSS). Monitoring banks and overseas limits (Itrader).
Company industry:
Banking
Job role:
Banking

Bank Officer – Credit Control Process Unit

April 2015 - November 2015

Riyad Bank

Riyadh, Saudi Arabia

April 2015 - November 2015

• Followed up on past-due facilities and supported remedial and recovery actions.
• Reviewed loan execution accuracy against approvals and system records.
• Monitored domestic and overseas bank limits to ensure risk exposure control.
Company industry:
Banking

Education

troy university

December 2014

December 2014

Bachelor's degree, Management information system

United States

Troy University

January 2014

January 2014

Bachelor's degree, Business

United States

Skills

SME management
Expert
SME management
Expert
Credit Analysis
Expert
Credit Analysis
Expert
Credit Control
Expert
Credit Control
Expert
Credit Risk
Expert
Credit Risk
Expert
Credit
Expert
Credit
Expert
Data base
Expert
Data base
Expert
Management
Expert
Management
Expert
control
Expert
control
Expert
banking
Expert
banking
Expert
SME
Expert
SME
Expert
credit analyst
Expert
credit analyst
Expert
risk analyst
Expert
risk analyst
Expert
projects follow up
Expert
projects follow up
Expert
system upgrades
Expert
system upgrades
Expert
PMP
Expert
PMP
Expert
MIS
Expert
MIS
Expert
Team Leadership
Expert
Team Leadership
Expert
.NET
Expert
.NET
Expert
Web Development
Expert
Web Development
Expert
Project Management
Expert
Project Management
Expert

Languages

Arabic

Expert

English

Expert

Memberships

Saudi student association at troy university

SECRETARY OF CULTURAL ACTIVITY

April 2014

Training and Certifications

Training
RIYAD BANK PROGRAM FOR CREDIT, TREASURY AND CORPOATIN (SIDF). AUG 2017 – APR 2018 Riyad Bank Program
RIYAD BANK & SIDF
Jul 2017

Hobbies and interests

computers, reading, leading, outdoors sports,