»Wisam Al-Baiyat
»P.O. Box 1813 Dhahran, Eastern Province 31261
»966.566.664.496 ▪ wisam@albaiyat.com
-=Executive Corporate Banker=-
»»»Qualifications Profile
Multifaceted, methodical, and results-driven professional, offering 18 years of experience in banking sector field, along with background in finance benchmarking, core business processes, and program management within a Fortune 500 financial institution and a profitable community bank. Expert at monitoring internal controls and risk management systems, as well as in directing business model forecasting and budgeting systems. Equipped with leadership capabilities in determining organizational needs; recommending innovative solutions and alternatives to complex problems; and cultivating long-term and profitable relationships. Willing to relocate locally and internationally.
»»»CORE COMPETENCIES
Continuous Process Improvement
Strategic Planning and Analysis
Corporate Banking and Information Technology
Staff Supervision and Training
Cross-functional Leadership and Development
Contract Financing and Credit/Risk Monitoring
Financial Reporting and Assessment
Regulatory Compliance and Standards
»»»Education
Executive Master of Business Administration, In Progress (Expected Completion Date: 2020)
London Business School – Marylebone, LDN, United Kingdom
Bachelor of Electrical Engineering: 2001 (Graduated with Third Honor)
King Fahd University of Petroleum and Minerals – Dhahran, Saudi Arabia
»»»Professional Experience
»Saudi British Bank – Alkhobar, Saudi Arabia
»Team Leader of Corporate Banking: 2012–Present
*Establish strong reputation in coordinating with the following various professionals and teams:
-Product partners in formulating a tailored marketing plan, sales strategy, and client requirements for revenue increase in return in equity (ROE) and return on asset (ROA), and retain credit quality;
-Portfolio manager and credit officers in handling credit requests and complying with portfolio management guidelines, such as delinquencies, documentation preparation, financial statement tracking, and matured loans; and
-Team in providing strategic advice to ensure provision of first-rate service to clients, aiming for highest profit potential.
*Examine clients’ financial information to maximize knowledge of credit risk exposures and initial identification of potential arrears to correct and administer arrears and escalate credit deterioration.
*Evaluate financial statements to identify financial performance, conditions, and industry trends, as well as credit exposure at an acceptable risk.
*Conduct review meeting and post-call follow-up to arrange and submit credit analysis reports.
*Administered portfolios of SAR 7.5B or $2B assets, as well as the five SRM/RM/ARM.
*Coordinate with mid- and large-corporate clients in different industries, including petrochemical, manufacturing, trading, auto dealers, healthcare, contracting and large holding companies.
*Interface with the senior-level professionals, such as the board members, chief of executive officers, and chief financial officers.
*Demonstrated track record with TOP rating performance for 2016 and 2017.
*Determine business needs and sales opportunities and develop ways in improving client reliance on bank products and services.
»Senior Relationship Manager: 2011–2012
*Keenly assessed credit facilities and securities, ensuring bank’s protection from risks.
*Facilitated cross-selling of non-lending free generating products, including corporate finance, capital markets, interest rate swap, and cash management to existing clients.
*Secured business and credit approval for transactions, amendments, waivers, and consents for new and existing portfolio companies.
*Directed and strategized portfolio development for small- and medium-sized assets for growth target attainment.
*Rendered effective financial advice to existing and prospective clients, while selling appropriate bank products and services to clients and conceptualizing different lending products for different business segments.
*Developed and implemented fundamental credit risk and cash flow analysis and observed financial performance for portfolio companies.
»Relationship Manager: 2007–2011
*Worked closely with existing customers in understanding businesses, goals, and strategies; and with bankers and other lines of business in offering the full complement of products and services.
*Rendered strategic suggestions to management regarding credit policy manual in improving on periodical reviews.
*Verified financial needs to create business plan and execute an effective variety of financial products and services, helping customers succeed financially.
*Spearheaded banking process, comprised of analysis of customer’s working capital need through cash flow cycle and customer’s repayment capacity from the business.
*Strengthened relationships with customers and obtained new customers to guarantee overall success and growth.
Earlier Position Held:
Network Design Manager
»»»Earlier Career
Network Support Engineer Samba Financial Group – Riyadh
Medical Field Engineer General Electric – Riyadh
Summer Trainee (Telecommunications Department) Saudi Electric Company – Dhahran
»»»Selected Training
Understanding International Macro-economy ▪ Financial Accounting ▪ Managerial Economics
Data Analytics for Management ▪ Advanced Corporate Credit Analysis ▪ Country Risk Analysis
Warning Signals and Lessons Learnt in Corporate Credit ▪ Contractor Finance Risk
Leadership Program: LEAD – Enhancing Customer Experience Project ▪ Credit and Risk Management
Problem Recognition and Remedial Management ▪ Contract Finance ▪ Moody's Analytics Workshop
Global Relationship Management ▪ Credit and Risk Analysis Training Program
Treasury FX and Money Markets Simulation Workshop ▪ International Capital Markets
Financial Accounting ▪ Credit Proposal Workshop ▪ Introduction to Financial Analysis
Intermediate Financial and Credit Analysis ▪ Finance of International Trade ▪ Islamic Banking Principles
Decision and Risk Analysis ▪ Corporate Social Responsibility and Ethics ▪ Advanced Strategic Planning
Developing Effective Managers and Organizations ▪ Executive Leadership Program ▪ Information Security
Understanding General Management ▪ Leadership Development and Coaching
Performance Management ▪ Problem Solving and Decision Making ▪ Operational Risk (e-learning)
Anti-Money Laundering (Deter-Detect-Protect) ▪ Management Effectiveness ▪ FATCA Corporate Training
Effective Business Writing, Communicating with Confidence, Developing Management Skills
Influencing Skills, Managing Conflicts, Exceed Customer Expectation Everyday ▪ Strategic Management
»»»Personal Information
Date of Birth: 10 May 1978
Gender: Male
Civil Status: Married
Citizenship: Saudi
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