Hayat Alharbi

CorporateBanking Division MSME
Build, manage and maintain relationships with SME customers, through selling and cross-selling products and services, as well as providing solutions based on client needs with the objective of achieving sales targets, while ensuring that credit quality is maintained. Follows the day-to-day operations related to own job to ensure continuity of work. preparing of timely and accurate reports to meet company and department requirements, policies and standards. Controlling accounts to determine overdue payments. Identifies revenue opportunities to actively sell SME products to customers in order to support the sales targets Maximizes product penetration and cross selling and actively seeks structured finance opportunities in-order to ensure the services required by the organization are delivered in the most e/ective manner. Develops account plans in a consistent and timely manner in order to swiftly follow-up on identified action items.

FinanceDepartment
Prepare loan disbursements (Review loan amortizing schedules, APR, loan details, ...etc) as approved in the system within budget and as per manual of authorities, create customer payments in bank, sell and purchase stocks for issued loans and journalize them. Create and pay invoices in Oracle and issue cheques for murabaha loans. Review POS and cash entries, journaliza bank charges for POS and cash deposits. Accounts Payable (AP) Accounts Analysis.

Operation
Receiving and reviewing funding requests. Assessing the financial situation of clients applying for Funds. Assessment of creditworthiness and customer risk. Preparing appropriate payment plans for clients. Communicating with clients to collect data and documents required for funding. Controlling accounts to determine overdue payments. Ability to monitor and audit. Problem solving.

FinancialManagement
Accounts Receivable (AR). Bookkeeper, Banking, Record Keeping. Control of fixed assets and inventory. Financial regulation.