Barrak Alotaibi

• Built a new SME financing portfolio from scratch, acquiring 70+ clients with total funding exceeding SAR 102M. • Achieved NPL ratio <5%, maintaining strong credit quality and profitability. • Conducted comprehensive financial and credit analyses to evaluate client creditworthiness and structure optimal financing packages. • Collaborated with cross-functional departments (Credit, Legal, Operations, Collections) to ensure seamless execution of financing operations. • Prepared and presented credit proposals, financial assessments, and risk recommendations. • Drove cross-selling of digital and POS banking services, enhancing client engagement and portfolio returns. • Ensured full compliance with AML and SAMA regulations. • Consistently exceeded monthly and annual sales and relationship growth targets.

•Managed end-to-end SME and corporate financing relationships, maintaining a strong and profitable client base. •Recognized multiple times for outstanding client acquisition performance and high-quality loan portfolio growth. •Conducted credit assessments and risk evaluations to ensure accurate decision-making. •Supported clients in optimizing financing structures aligned with business goals. •Monitored client repayment behavior and ensured compliance with credit terms. •Built long-term trust through personalized and responsive financial solutions.

• Greet and welcome clients upon their arrival at the branch. • Actively listen to the client's needs and understand their requirements for suitable agricultural products. •Provide support and guidance to the client on the proper use of the sold products. •Ensure the client's satisfaction with the provided services and products. • Document the information and data related to sales transactions.