محمد Abdulkhader

Lead Consultant في CoreValue Industrial & Business Services

• الهند - حيدر اباد
• أشغل هذه الوظيفة منذ مارس 2020

Working with CoreValue Industrial & Business Services, a privately-owned company as Senior Leader (Lead Consultant) handling Industrial Project Financing projects for Saudi Arabia including thorough study of the project proposals, Feasibility Studies, Market Research Reports. Freelance Project Assignments handled for Saudi Arabia and other countries as Remote Work.

Senior Leader (Director) في CoreValue Industrial & Business Services,

• الهند - حيدر اباد
• أشغل هذه الوظيفة منذ يناير 2020

Owned entity. Working as Freelancer and sub-contractor for Project Financing Proposals for SIDF and other Saudi corporate needs.
Industrial Project Financing projects, developing project ideas and arranging project
financing, Feasibility Studies, Market Research Reports. Freelance Project Assignments
handled for Saudi Arabia and other countries as Remote Work. Projects worked range
average US$15-30Mln (One Project done worth US$400Mln)

Senior Credit Consultant (Credit Team Leader) – Projects/Credit Department في SAUDI INDUSTRIAL DEVELOPMENT FUND-SIDF,

• المملكة العربية السعودية - الرياض
• يناير 2009 إلى أكتوبر 2025

• Reviewed large-scale industrial project financing applications. Loans range from US$ 3
Mn to US$160 Mn. Evaluate Feasibility Studies; discuss project scope, risks, financial
strengths and shortfalls. Portfolio averaged US$1Bn (over 80 operational plants in the
Team portfolio (of myself and 7 Team Members).
• Recommended feasible projects to the Management Committee/Board for approvals.
• Participated in marketing strategy meetings and loan approval processes
• Team Lead, train and Supervise staff - guidance, mentoring (7 officers)
• Member-Loan Review Committee, Problem Loans Committee, Loan Approval
Committee.

FINANCIAL ADVISOR-NEW PROJECTS في AK SAEED GROUP, JEDDAH

• المملكة العربية السعودية - الرياض
• يوليو 2012 إلى فبراير 2020

Arranging Bank and Industrial Financing for Projects and Contracts. Dealings with Banks and Financial Institutions, SIDF, Negotiation and Structuring and Restructuring of Financing Needs. Management Level Negotiations with PMC, EPCM and other contractors. Strategy Consulting and Support in procurement of Men, Materials, Resources, Research, Technology, Business and Management Consultancy, Business Plans, Sales & Marketing Strategy, IT and Business Development plans.

Attached with this Institution on a Retainer Basis. Currently no projects.

Finance/Mgmt. Consultant في AK SAEED GROUP,

• المملكة العربية السعودية - جدة
• يناير 2013 إلى يناير 2015

Key member of New Projects Development Team. Identify and propose new, greenfield
industrial projects for fresh investments. Prepare or review proposals and Feasibility Studies.
Various financial and industrial consultancy assignments within the Organization relating to
new Investments, Financial Management, Project Financing, Bank financing, Import and
Export facility negotiations. Joint Venture documentation. Prepare MoUs and Deliverables.
Was engaged as a Team Member in the project financing and technical agreements for
US$400 Mln Sugar Refinery for the Group. Loan Approved: US$224Mln.
Post-Covid19, only freelancing assignments - available to move to any other organization
on short notice.

CREDIT TEAM LEADER في Saudi Industrial Development Fund

• المملكة العربية السعودية - الرياض
• يوليو 2003 إلى أبريل 2012

Responsibilities:
o Thorough review of New Industrial Financing Applications. Authority to proceed/reject at prescreening.
o Review loan appraisals prior to Board Submission.
o Manage Team (5 Credit Consultants, 2 Analysts)
o Approve Periodic Loan Review of the Relationships
o Co-sign Loan Disbursements
o Train and guide Team Members and new Credit/Fin Analysts
o Maintain mangement level relationships inside/outside.

Responsibilities handled as Credit Consultant (July 2003 to Nov. 2008)
o Presenting Industrial Project Financing Loan appraisal to the Credit Committee in the Funds format||after thorough credit/marketing & technical aspects and ensuring its compliance with credit policies.
o Carrying out Credit/Investment/Market and Risk Analysis of new submitted industrial projects for||sanctioning long-term loans (large volume project financing with longer tenure).
o Managing loan relationships of corporate borrowers and sharing a good working relation with them.
o Analyzing financial projections, revenue generation with sensitivity analysis ensuring loan repayment.
o Sanctioning loan disbursement and handling legal documentation.
o Periodic Loan Reviews for assessing credit and risk, business continuity, disaster management and overall||functioning of the project; visiting project sites, meet and evaluate senior management.
o Individually perform/participate in sectoral industry/market/export studies for assessing installed||capacities, present operational issues, emerging market trends and room for growth. Recommend appropriate||changes/amendment for a particular industry

Relationship Manager, Corporate/Commercial Banking Dept. في HSBC SAUDI ARABIA (SABB),

• المملكة العربية السعودية - جدة
• يوليو 2003 إلى ديسمبر 2008

• Present Industrial Project Financing Loan appraisals to the Management/Board Exec
Committee in SIDF format after thorough technical/marketing/credit risk analysis.
• Pre-screening. Conduct Credit/Investment/Market and Risk Analysis of newly
submitted industrial projects for long-term loans.
• Manage corporate relationships. Loan Disbursement of approved cases after legal
compliance.
• Periodic Loan Reviews of the existing Portfolio and regular site visits,
• Participated in sectoral industry/market/export studies for assessing installed
capacities, present operational issues, emerging market trends and room for growth.
Recommend appropriate changes/amendments to the existing industry policy.
• Enhanced business through strategic marketing and performance targets.
• Prepared credit proposals with emphasis on financial and credit risk analysis (avg size
US$20Mln).
• Managed key corporate/commercial accounts - Portfolio of 25+ corporate customers.
• Evaluated and recommended funded and non-funded facilities, Export Import Finance,
Factoring, Export Bills discounting, project finance, contractor finance,
Structured/Islamic banking proposals.
• Provided training on financial products and services
• Personally Trained Saudi Officer for 18 months and handed over the role (as planned).

Relationship Manager-Corporate في Saudi British Bank (HSBC-Saudi Arabia)

• المملكة العربية السعودية - جدة
• مايو 1997 إلى ديسمبر 2002

· Marketing and business development. Meet annual sales targets for existing products and market/sell new products and new relationships.
· Manage corporate relationships maintaining profits within suitable risk/rewards parameters. Regular monitoring of the portfolio and identify red flags.
· Writing credit proposals with focus on credit, financial, operating risks analysis,
· Cross-sell e-banking, consumer finance, Islamic and investments products.
· Trade Finance, Contractor Finance, Structured Finance, Cash/Wealth management.
· Maintain rapport with key senior executives and finance professionals.
- Acting Team Leader assignments (Unit Head)

Credit Officer-SMEs, Commercial Credits Department في UNITED SAUDI BANK (MERGED WITH SAMBA),

• المملكة العربية السعودية - الرياض
• يناير 1986 إلى يناير 1997

• Managed credit and commercial banking accounts for SME sectors
• Prepared proposals for various borrowings, contractor finance, project finance and
export finance.

Credit Officer, SME Branch / Consumer Credits في United Bank Limited - Saudi Arabia

• المملكة العربية السعودية - الرياض
• يناير 1988 إلى يناير 1992

Credit Operations/ Financial Analyst في United Saudi Banl

• المملكة العربية السعودية - الرياض
• يناير 1986 إلى يناير 1988

Credit and Financial Analysis. Review of Credit proposals for SMEs