Shahid Alvi

As finance professional with deep experience in corporate treasury management, liquidity optimization, and financial risk mitigation, I specialize in building efficient, tech-enabled treasury framework that balances agility, control and value creation. Achieved success in driving capital efficiency, strengthening banking relationships, and implementing innovative funding and hedging strategies to support operations and growth initiatives. Key areas of expertise include: • Treasury operations and cash flow forecasting • Debt structuring, refinancing, and capital market transactions • FX and interest rate risk management • Bank relationship management and strategic negotiations • Investment management and yield optimization • Treasury systems automation and process transformation

Extensive experience in credit analysis, project appraisal, and financial structuring within Saudi Arabia’s industrial and development finance sectors. Evaluated large-scale industrial projects, assessing creditworthiness, and advising on optimal financing structures to support the Kingdom’s 2030 vision and diversification goals. Combines strong expertise in financial modeling, risk assessment, and sectoral analysis with deep understanding of Saudi regulatory frameworks and industrial financing policies. Skilled in guiding clients through end-to-end credit processes — from feasibility studies and due diligence to loan structuring and portfolio monitoring. Recognized for providing strategic insights that balance developmental impact with prudent risk management. Major tasks performed were: • Appraise project viability based on technical, marketing & financial parameters and integration with local industry, by conducting financial modeling, cash flow, ratio and sensitivity analysis. • Proactive monitoring existing investments in line with established policies and procedures, including periodic investment reviews, updating risk ratings, valuation of operational and financial performance and covenant compliance • Assess and provide recommendations on all credit decisions related to loan covenants, terms & conditions and amendments in loan agreements • Credit administration of loan accounts, covering satisfaction of conditions, disbursements, collections and loan security management. • Proactively coordinate with Technical, Marketing, Legal and Audit teams to manage portfolio credit risks. • Negotiate financing terms and conditions, as well as subsequent rescheduling, restructuring and settlement of problem loans. • Project site visits to monitor project implementation and operational progress. • Coaching and training of junior staff members. • Conducted various industrial sector studies, to help formulate credit policies of the Fund;

Results-driven Financial Advisor with a strong track record of helping clients achieve their financial goals through personalized advice, strategic planning, and comprehensive banking solutions. Experienced in providing tailored guidance across investments, credit, lending, and wealth management to both individual and small business clients. At CIBC, dedicated to building lasting client relationships based on trust, transparency, and financial empowerment. Skilled in assessing client needs, identifying opportunities for growth, and delivering holistic financial solutions aligned with CIBC’s commitment to client-first service. Core Competencies: • Financial Planning & Advisory • Investment & Wealth Solutions • Credit and Lending Strategies • Retirement & Estate Planning • Risk Management & Insurance Solutions • Client Relationship Management • Sales Growth & Portfolio Expansion • Regulatory Compliance

Maintained and developed long term relationships with existing and new corporate customers by meeting and exceeding expectations and ensuring income and business growth objectives. Arranged working capital financing for private sector companies engaged in domestic and international trade. Major tasks included: • Managed corporate customer relationships and enhanced Bank’s share of their wallet size. • Presented credit proposals to Credit Committee, recommended decisions and defended those decisions when challenged. • Applied proactive risk management techniques to maintain good health of my portfolio. • Monitored accounts’ performance and made appropriate recommendations for optimizing returns and hedging risks by initiating timely remedial actions. • Monitored compliance with Bank’s credit policies to protect Bank's and customers’ interests. • Analyzed, designed and proposed customized solutions to meet clients' needs. • Cross-sold personal banking, trade finance, treasury and investment products and services. • Participated in innovative marketing and sales programs to achieve targeted results.

Under-writing and Syndications Involved in financing of public sector projects pertaining to petrochemicals, communication, telecommunication and steel, in close coordination with the local and international banks for successful deal closings. • Managed and executed corporate transactions to originate, syndicate, trade and sell loans in open market; • Developed presentations for clients on strategic and financing alternatives. • Prepared bidding proposals by enumerating strengths, history and capability to support financings and effective syndication deals; • Prepared project appraisals & syndication proposals for approving authorities; • Carried out financial modeling by preparing projections and analysis to support financing recommendations; • Prepared prospectus and invitation offers for syndication deals; • Carried out Road Shows to attract market interest in the syndication; • Negotiated and finalized loan documentation for signing. Loan Agency Operations • Collected, verified and filed Conditions Precedent upon signing of Credit Agreement; • Processed Draw-Down Notices for initial loan utilization and Rollover Notices for existing loan utilization; • Set-up application interest rates and notify all related parties; • Arranged funding of Bank’s share in the draw downs and processed payment instructions for the borrower on behalf of participating banks; • Ensured and confirmed receipt of Funds from participating banks representing their respective shares in the draw down; • Ensured monitoring and notification of required payments due from the borrower, such as interest, fee, principal and reimbursement of expenses, and ensured their distribution to the participating banks; • Ensured monitoring and notification of covenant compliance and reporting requirements according to Loan and Agency Agreements; Major projects handled were Hadeed, Ibn Rushd, Yanpet, Ibn Zahr, Sadaf, Kemya, Saudi Aramco, Samref, Sharq, Samad, Sceco, STC, ALBA (Bahrain) & Eurotunnel.

From December 1995 till February 1996 Credit Controller – Corporate Banking Risk assessment of credit proposals for trade finance, Term Loans and Overdraft facilities, ensuring its compliance with Bank's policies and regulatory requirements. From February 1995 till December 1995 Senior Manager – Credit Management Monitored Bank’s compliance with credit policies and regulatory standards. As an additional responsibility, I supervised development of Bank's credit data base and its automation in line with central bank’s guidelines. From September 1992 till February 1995 Manager – Project Financing Conducted due diligence, prepared project appraisals and handled syndicate portfolio. I also managed IBRD’s (International Bank of Rehabilitation and Development) and ADB’s (Asian Development Bank) lines of credit for Project Financing extended to the Bank.

• Managed deposit maturities, secured short term lending and liquidity needs on a daily basis by overnight lending and borrowings. • Managed countrywide branch deposit operations by supervising accounting, reconciliation and audit of deposit portfolio.