Experience

• 

  Arab national bank

  Jun 2005 - Jan 2007

  • customer service at loans department

   Assisted customers with the understanding bank loans. Assisted customers with various offers that the bank provided. Answer customers questions regarding to bank loan. Calculate the loan fees and instilments to customer.  Process the customer loan request. Follow up with head office for final approval to customer loan request.  Visit customers for loan marketing.

• 

  A.a. turki group

  May 2006 - Jul 2007

  Administrative at housing department

   Assistant Head of the Department of Housing. Process the agreement for land & accommodation rent.  Preparing the housing allowances for staff. Preparing and providing the accommodation to staff. Preparing the phone allowances to staff. Preparing the mobile and SIM-card to staff.  Adding the new employees’ information in the system. Updating employees’ information in the system.

• 

  Sabb

  Aug 2007 - Feb 2009

  Call center customer service representative

   Answering customer’s calls. Provide the bank product information to customers. Updating customer account information.  Market the bank product (personal loan, housing loan, insurance, credit card, accounts). Active the customer account, ATM card, credit card. Guiding customer to solve any bank issues. Claim the customer complaint to management.

• 

  Aflac

  Mar 2014 - Aug 2014

  Accounting intern, a/p section

   Issuing checks for supplier payment.  Reviewing payroll.  Reviewing employees’ bonuses. Bank reconciliation.  Recording supplier invoice in accounting system.

• 

  Internal revenue service

  Jan 2015 - May 2015

  Volunteer tax preparer

  I worked with the Volunteer Income Tax Assistance (VITA) program, I prepared the income tax return calculation to individuals who generally make $53,000 or less.

• 

  General trading and equipment co.

  Jul 2015 - Jul 2019

   Credit risk management.  Credit customers financial analysis. Approval of credit agreement with client. Opening new credit files for customers in the system.  Update customer account information in system. Evaluating current files of clients.  Risk assessment of customer’s statues.  Setting up credit limit for each client based on risk factors. Negotiate and approval for the payment terms.  Monitor the time duration of payment. Approval for the customer credit note. Credit reports. Determine the key customers. Coordinate with Finance Manager and GM for recommended bad debt write off list  Adjust and right off client invoices.  Authorization to hold the services and company product from client in coordination with senior management.  Blocking customer account.  Process the payment by LC received from customer.  Ensuring proper credit sale documentation and company collects it’s in a timely manner. Management of all collection operation such as collection strategy, policy and reporting. Liaison between company and customers in handling payment disputes.  Submit the Bankruptcy cases. Coordinate with legal department to submit the bad debt court cases. Updating and enhancing credit & collection policy frequently.  Leading Credit Department team; 5 employees. Show less

  • Credit Manager

    Aug 2017 - Jul 2019

  • Account Receivable Manager

    Jul 2015 - Jul 2017
• 

  Al hoty stanger ltd. co.

  Aug 2019 - Jul 2024

   Ensure financial health and stability of company. Monitor and manage the company cash flow.  Create and establish yearly financial objectives that align with the company’s plan for growth and expansion. Develops income statement, balance sheet and cash flow of the company for next year (budget). Assess and evaluate financial performance of organization long-term operational goals, budgets and forecasts. Support top management to set up the sales & collection target. Managing receivable collections & days sales outstanding reductions. Supports management with financial analysis of any business-related issues. Provides all necessary analysis to support the other departments on financial matters. Monthly reports to head office according to deadlines and company’s guidelines Responsible for correct, complete and understandable financial information to support correct business management decision making. Responsible for managing the treasury in the region. Support the organization on the project pricing and project performance and ensure it is in line with the company’s procedure. Perform risk management by analyzing the organization’s liabilities and investments. Feasibility studies, new branch set up, and Joint Ventures. Strong networking with local & regional banks. Managing loan, LC, and bank guarantee.  Exploring investment opportunities. Exploring in Zakat & Tax Planning & Withholding tax & Capital gain tax. Coordinates with Auditor for the yearly closing of the statutory and company books. Proposes process improvements in daily workload within the finance department. Improve and update the Finance Department’s policy and procedure. Final approval for daily accounting and finance operation. Approval for accounting transaction adjustment after month closing. Approval for closing the financial year in the system.  Leading the Finance Department team; 22 employees. Show less  Credit & Collection risk management.  Set up a credit & collection strategy.  Credit customers financial analysis. Approval of credit agreement with client. Opening new credit files for customers in the system.  Update customer account information in system. Evaluating current files of clients.  Risk assessment of customer’s statues.  Setting up credit limit for each client based on risk factors. Negotiate and approval for the payment terms.  Monitor the time duration of payment. Approval for the customer credit note. Credit and collection reports. Collection forecast.  Determine the key customers. Coordinate with Finance Manager and GM for recommended bad debt write off list.  Adjust and write off client invoices.  Authorization to hold the services and company product from client in coordination with senior management.  Blocking customer account.  Process the payment by LC received from customer.  Ensuring proper credit sale documentation collects in a timely manner. Management of all collectors’ affairs and duties such as setting monthly collection targets, hiring, dismissal, training, vacation approval, promotion, creating incentive scheme, approval of their bonus and performance evaluation.  Management of all collection operation such as collection strategy, policy and reporting. Liaison between company and customers in handling payment disputes.  Submit the Bankruptcy cases. Coordinate with legal department to submit the bad debt court cases. Updating and enhancing credit & collection policy frequently.  Leading Credit & Collection department team; 13 employees. Show less

  • Finance Manager

    Sept 2020 - Jul 2024

  • Credit Controller & Collection Manager

    Aug 2019 - Sept 2020