Meshal Al-Fagery

Key Responsibilities:  Project management.  Analysis and preparation of financial projections.  Forensic accounting.  Corporate Restructuring and reorganisation.  Advising clients on issues.  Problem solving.  Develop key relationships.  Coaching and mentoring trainees within team.  Solving other issues when required.

Manage and enhance the existing commercial portfolio and solicit acceptable new relationships in order to meet the pre-set financial non-financial objectives.  Manage new borrowing relationships for Business Banking (SME), reviewing the required credit and financial analysis as per the bank policies and procedures to enhance the bank’s market share.  Manage the existing loan portfolio to ensure establishment of appropriate account plans, recommend credit facilities in line with Bank credit policy to maximize earnings while containing risks to an acceptable levels.  Develop and maintain strong working relations with all existing clients at key levels to optimize the utilization of approved facilities.  Implement and maintain complete control aspects i.e. financial analysis of statements of accounts, documentation, and periodical client visits call reports.  Handling Small and Medium customers with sales turnover up to SAR 200 Million.  Handling and manage a portfolio with 50 borrowing customers. Significant Achievements  Has been promoted to be team leader in Business Banking Department (SME) in Jan 2015.

Manage and enhance the existing commercial portfolio and solicit acceptable new relationships in order to meet the pre-set financial non-financial objectives.  Establish new borrowing relationships for Business Banking (SME), preparing the required credit and financial analysis as per the bank policies and procedures to enhance the bank’s market share.  Spread and analyses financial statements, preparation of credit application, documentation & post- sanction monitoring through periodic account review/renewal.  Manage the existing loan portfolio to ensure establishment of appropriate account plans, recommend credit facilities in line with Bank credit policy to maximize earnings while containing risks to an acceptable levels.  Develop and maintain strong working relations with all existing clients at key levels to optimize the utilization of approved facilities.  Implement and maintain complete control aspects i.e. financial analysis of statements of accounts, documentation, and periodical client visits call reports.  Handling Small and Medium customers with sales turnover up to SAR 100 Million.  Handling and manage a portfolio with 70 borrowing customers. Significant Achievements  Has been awarded for the best employee in Business Banking Department (SME) in 2013 in terms of top performance and achievement employee.  Awarded by managing director Dr. Bernd Van Linder.  Deputy team leader.

Involved in new product development planning and management of cash management system product for the bank.  Responsible for launch and implementation of the product.  Assist in the identification of technology solutions for the product and drive the process of integrating with the existing system.  Monitor and report on market and competitor activities and provide relevant reports and information.  Communicate, liaise, and negotiate internally and externally using appropriate methods to facilitate the development of profitable business and sustainable relationships.  Manage all staff reporting to the position so as to effectively recruit, train, evaluate, motivate, delegate and monitor their activities. Significant Achievements  Certificate of commendation for excellent service & business development.  Trainer for corporate customers.  Wining Big Business deals such as TADAWUL, GCCH, and etc.  Strong relationship with all Major decision makers of corporate customer & SAMBA.

MA Program is a 7-months apprenticeship period which consists of 10 formal courses in Centre of Banking and Finance (CB&F) and on-the-job training “i.e. Job rotation” for 3 months in 12 departments including the core departments of the bank (Treasury, Investment, corporate and branches). The main function of the Job rotation is to understand the business, products and the mechanism of those department by attending morning meeting with mangers and also one to one meeting with officers in each department In addition to that, there are weekly written reports and presentation with regard to each department.

Handle daily operation of loan administration in relation to syndicated loan facilities.  Perform loan agency function for syndicated loan facilities including distribution of funds, loan rollover & repayment, rate fixing, and handling of waiver request.  Review loan documentation and to ensure fulfilment of Conditions Precedents before loan disbursement.  Prepare management and regulatory / ad hoc reports as requested by local management and head office.  Prepare pitch books and market/credit research.  Liaise with other groups within the bank (incl. relationship managers, other corp. finance areas).  Support the group through the maintenance of data infrastructure.  Ensure timely and adequate information flow to interested internal parties on market developments /trends. Significant Achievements  Certificate of commendation for excellent service & business development.  Trainer for corporate customers.  Wining Business deals.  Strong relationship with all Major decision makers of corporate customer & SAMBA.