Walid Zaid Al-kilani,CICS, CICP, M.AccFin

Founder & CEO of Link Perfect Inc, a company specializing in E-commerce, AI solutions, and global logistics. We connect suppliers, warehouses, and customers through smart technology to simplify international trade and distribution. Our services include: • E-commerce solutions • AI-powered business tools • Global logistics and shipping • Supply chain coordination between the U.S. and international markets.

• Support whole-loan trading and securitization processes, including reviewing portfolio tapes, analyzing loan performance, and coordinating with c teams for bulk and flow acquisitions. • Manage loan structuring and underwriting for programs such as DSCR, SBA, Fix & Flip, Bridge, Jumbo, and Construction loans. • Handle financial statements, P&L analysis, and client eligibility verification for commercial and residential properties. • Collaborate with brokers, real estate investors, and business owners to secure financing nationwide. • Maintain accurate accounting records using QuickBooks and Excel for daily and monthly financial control. • Assist in marketing and client acquisition, preparing bilingual (Arabic-English) financial presentations and loan summaries.

- Managing bookkeeping, account reconciliation, and expense tracking. - Supporting financial reporting and assisting in management decision-making.

• Prepared and assisted with individual tax returns in compliance with federal and California tax regulations. • Ensured accurate data entry and deductions, maintaining adherence to IRS and California requirements. • Collaborated with clients to gather necessary documentation, enhancing the overall tax preparation experience.

-Leading operations for company serving major developers such as Danube and other companies. -Supervising the workforce, managing scheduling, and ensuring high-quality service delivery. -Improving operational efficiency and enhancing client satisfaction through better organization and performance monitoring.

_  Oversee the affairs and operations branches and representations' offices related to credit review, insurance-related issues, performance supervision (Reviewing Credit and Loans Portfolio and arrive at recommendations), and analyzing deviations, in addition to overseeing and give support in setting affiliate and specialized financial leasing companies' operations. _   Lead cross-border regulatory compliance efforts, to ensure it’s alignment with the supervisory authorities' standards across International branches. Setting business development plans based on comprehensive analysis of internal/external audit reports, oversee execution, and propose innovative mechanisms. _ Participate in field visits to acquire corporate and offer various banking products such as loans and deposits to contribute in increasing the bank’s profitability. _ Prepare comprehensive reports for presentation to the Board of Directors and regulatory bodies such as the Central Bank, providing thorough insights into key operational and compliance matters to facilitate informed decision-making _ Review and provide feedback on the organizational structure of HBTF International branches and representative offices. This involves assessing hierarchy, reporting lines, and functional responsibilities to identify opportunities for streamlining processes and optimizing resource allocation. _ Follow up on the development and amendment of the Policy and Procedures guide as well as the agreements which emanate from the International Branches and Representative Offices. _ Oversee and act as a project manager for initiatives related to HBTF International branches and representative office, this include preparing and leading projects aimed at enhancing operational efficiency, implementing strategic initiatives, and driving business growth across diverse geographical region

_ Achieve sales' targets and connect with new customers to explain all the products and services that the bank has to offer. _ Handle letter of credits, commercial transfers and commercial loan documents as per credit lines and analyze loan requirements and ensure their credit limits. _ Assigned as a contact person to handle branch's AML/ FATCA related concerns in coordination with compliance dep.

_ Process daily client transactions including deposits, withdrawals, money transfers, loan payments and checks. _ Accurately maintain records of each transaction and ensured all documentation and paperwork was in place. _ Assist clients with various inquiries and concerns related to their accounts and banking products.