Bader Albyaie

•Prepares and analyses budgets which include projects, bank accounts and revenue before board meetings.
•Managing 3 units budgeting, accounting, and E-commerce finance operation.
•Manage the process of budget allocation to the development of NCPD and budget distribution ensuring adhering to the approved budgets and financial targets.
• Cash and liquidity management through cash flow planning and forecasting.
•Review and approve all commercial contracts, securing optimal budgets.
•Approve bank transactions & Etimad payment.
•Ensure compliance with internal financial and accounting policies.

•Treasury Management for 600M.
•Creating and analyzing investment plans and investment opportunities.
•Banking Relationship.
•Monitor performance against budget and Identify issues and recommending corrective actions.

•Portfolio management and establish new credit relationship with well-known clients.
•Analyze client's needs to structure proper products in accordance with the client's financial position and the bank policies and framework.
•Credit analysis for Moody’s users (MRA).
•Analysis & interpretation of financial statements.
•Write credit applications & provide recommendations based on financial needs.
•Conduct industry research and comparable analysis relevant to prospective clients.

⚫️Managing portfolio size 2 Billion for micro and small business.
• Full review of the credit applications which include financial analysis, business model,
owner reputation, management structure, credit analysis for Moody’s, risk and make
recommendations.
• Review business proposal and make sure it fit with the bank policy.
• Conduct industry research and comparable analysis relevant to prospective clients.

• Portfolio management and establish new credit relationship with well-known clients.
• Analyze client's needs to structure proper products in accordance with the client's financial position and the bank policies and framework.
• Credit analysis for Moody’s users (MRA).
• Analysis & interpretation of financial statements.
• Write credit applications & provide recommendations based on financial needs.
• Conduct industry research and comparable analysis relevant to prospective clients.

Graduate Development Program GDP
This program is designed in line with the spirit of “Living the Values”, creating sustainable succession for the future business growth of Al Rajhi Bank, through building a strong pipeline of young Saudi leaders to meet the business needs.
GDP aims to attract and develop graduates who have just earned their college degrees and are looking to embark on their careers. By joining this program, selected trainees will have the chance to be a leading executive within the banking sector by developing your overall banking knowledge as well as the necessary leadership skills to grow into your career. In short, this program will allow you to be groomed to take up future significant senior leadership roles in the Bank.

Assisted clients to meet their financial objectives and handling any concerns.
• Worked in a team that developed proposals to address specific company needs.
• Interviewed clients to determine their income, expenses, financial objectives, insurance
cover and other crucial information for developing a financial plan.
• Conducted and documented research and also built relationships with new firms.

Provided technical accounting support to the external reporting financial function

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Supported major transactions by identifying and addressing financial/ accounting issues and opportunities, as well as analyzing newly issued accounting literature