1. CURRICULUMVTTAE
MANSOUR IBRAHIM ALHABDAN
P.O.Box.41078.Riyadh 11521.ddress:Permanent A
0530816323Mobile #
@hotmail.comalhabdan.MEmail
:Personal Data
Nationality: Saudi
Date of Birth: 1 st. July 1963
Marital Status: Married
Languages: Arabic / English .
:Education
Bachelor of Accounting. King Saud University. Riyadh K.S.A
Date of Graduation: 1986.
Advanced Diploma Business Administration, the Economics Institute Boulder
U.S.A.
Date of Graduation: 1991.
:COURSES ATTENDED
Several Courses were attended. (Please refer to the attaché):
*Increasing the skills of the financial Controller and Accountant, Arab Management Association, Cairo. Egypt.(1988).
* Credit Core Program Phases 1&2, Institute of Banking .Riyadh K.S.A (1993- 1994 More Than 1 Year Training & More
Than 23 Banking Courses Attended).
* Banking Operations Program, Institute of Banking Riyadh K.S.A (1993).
* Intensive Credit Seminar. Chase Manhattan Bank. London.(1994).
*Internal Auditing Methods, Institute of Public Administration. Riyadh (1413).
* English Diploma Institute of Public Administration. Riyadh (1989).
* English Diploma. Arizona. Tempe, U.S.A (1990).
private& Corporate Specialist withand Credit20 years experience in FinanceOver:Summary
Industry.
Rifai-.(ALCoFinance & Administration. Gulf Trading HoldingAGMExperience:
)2014to; Riyadh (2011Over The Kingdom)esBranch250;Roastry
 Ensure that all financial transactions are conducted within the legal and contractual framework, that all
internal and external reports are met, ensure integrity of cash, receivables and payable management, and
ensure stock management
 Execute all major financial transactions

2.  Enforce financial discipline/guidelines and controls within the organization
 Efficiently manage the Treasury activities
 Ensure the administrative management of the local staff (payroll, visa’s etc…)
 Monitor the performance of the business against the annual budget and long-term business plan
 Develop financial models and feasibility studies with regards to expansion opportunities
 Develop, maintain, and where necessary, improve financial systems to facilitate management decision-
making
 Develop relationships with local banks, customers, local authorities and other specific partners
 Design and implement processes to give business managers the necessary financial data to make decisions
and monitor performance
 Build finance capability
 Evaluate and develop finance personnel
 Support effective development and performance of staff
 Be the contact person for all HR related matters
 Follow Group guidelines and policies
National.Commercial Finance Manager&Finance Manager:Experience
). Riyadh. (1999 to 2011Installment. Co
Finance Manager:
Responsibilities:
 Refine and implement financial controls, policies and procedures.
 Monitor actual performance against budget and financial analysis.
 Responsible for management reporting and the accuracy of the data.
 Responsible for all Zakat administration and compliance matters including Zakat.
 Manage the monthly closing and reporting of full financials, budgeting and forecasting.
 Liaise with banks on project funding facility, external auditors, zakat authorities and external parties
Commercial Finance Manager:
Responsibilities:
 Conducts the analysis of the company’s financial statements e.g. Balance sheets, P & L Accounts, liquidity
status, cash flows, growth potential and the business model of potential borrower companies that approach
NIC for facilities to determine their financial standing and assess their creditworthiness for grant of the
facility
 Visits the potential client’s company site to gather information about the company status, or clarify issues of
relevance to the credit application
 Evaluates credit proposals, scrutinize documents and conduct telephone verification within the defined credit
policies ensuring good quality (error-free) of credit underwriting and documentation
 Conducts a thorough scrutiny of the documents submitted to ensure they are complete and are in order as per
the approved documentation policy and highlights any discrepancies within agreed turn-around time
 Prepares contracts, letter of agreement, and other documentation related to the loan facility to ensure that
proper documentations are completed
 Maintains the credit files to ensure that all proper signatures and profiles are kept for easy retrieval and
reference
 Reviews and approves the core report listing the company profile, facility requested and the proposal for
approval or disapproval of the requested service in order to provide the approving committee concerned an
executive summary of the analysis
 Reviews and processes a fully secured one time facility in order to expedite the release of credit line to
applicants
 Reviews and approves the analysis conducted for a company profile of prospective clients in order to widen
client base and market share
 Oversees and monitors the market trends and competitions to keep one-self updated with the limit NIC
exposure

3. AgricultureNationalManager .ingPlanning & Budget:Experience
Riyadh. (1997 to 1999)Co.(Nadec)Development
In general, the Budget & Planning Manager is responsible for managing the whole process of the planning and
budgeting in the company which includes – but not limited to:
• Preparing the appropriate templates to prepare the budget by all concerned departments.
• Comply with the approved policy of budgeting regarding the deadlines and the management of the budgeting
process.
• Receiving the budget estimates from all the departments of the organization and critically examines them for
correctness, accuracy and completeness; and conformance with established procedures, regulations, and
organizational objectives
• Studying the previous budget and also taking into consideration the benefits and losses occurred during the
previous financial years, due to budget planning.
• Suggesting suitable amendments in the budget to the higher authorities and managerial staff of the concerned
department.
• Consolidating the data for budget presentation and also providing an overview of the financial status of all the
operations.
• Rendering financial advice to the management officials of different operations, to undertake proper financial
planning and decision making.
• Analyzing actual results to budgets and forecasts.
• Submitting budget reports to the higher management of the organization for further scrutiny and approval in
accordance with the approved policy.
• Monitoring the budget throughout the year.
• Preparing detailed reports pertaining to discrepancies and amendments that occurred in the budget, during the
entire financial year also forms an important part of budget analyst job description. This is however done in
coordination with the concerned managers of the department or the company.
• Assisting in projecting future financial needs, taking into considerations the various projects undertaken by the
organizations and also help the higher officials in management of financial resources.
• As an additional part of their job description, budget analysts sometimes are also responsible for cost benefit
analysis, studying financial requests and also researching on alternative and reasonable funding methods for the
organization.
• Preparing business plan for five years and making the necessary update of the plan according to any material
changes in the business or the regulations which may affect forecasts.
• Budgets and Analysis Manager shall also be responsible for financial analysis in areas like Sales, Margin,
Inventory, Store space, etc on periodical basis and prepare the analytical reports for Management action.
Riyadh.(1993 toRegional Office;-Banknal Credit Manager. RiyadRegio:Experience
)1997
JOB FUNCTIONS AND RESPONSIBILITIES: The following sets forth the primary responsibilities of this
job, but is not an exhaustive list. The Bank, through its managers and supervisors, reserves the right to assign
any additional duties necessary to meet the needs of our clients, associates and/or shareholders.
1. Member of Commercial Banking team charged with effective risk management and shared responsibility for
meeting team production goals and achieving disciplined growth of team loan and deposit portfolios.
2. Shared responsibility with RM’s for underwriting on business credits received from the Commercial
Relationship Management team in compliance with the Bank’s lending policies and procedures.
3. Shared responsibility with team RM’s for the credit process from early on in the relationship. Assisting
with call preparation and calling on the client with the Relationship Manager when possible.

4. 4. During the underwriting process the underwriter will correspond with applicants to resolve questions
regarding application information.
5. Shared responsibility with RM’s to perform pre-screen assessment and analysis of financial condition and
risk of financing requests within framework of Bank credit culture and current economic and industry trends.
6. Analyzes all information necessary to present a financing request to Senior Management for approval; meets
with existing or potential clients; visiting sites of loans; negotiates loan terms and conditions; and recommends
acceptance to the Chief Credit Officer or his/her designates.
7. Shared responsibility with RM to coordinate processing of approved loans; ensures loans are processed
according to agreement, clients’ needs and conform to Bank lending policies; reviews documents obtained by
RM to confirm receipt of sufficient information and/or documentation from clients.
8. Shared responsibility with RM’s to negotiate, underwrite and process renewals of credit facilities.
9. Authorize commitment (with credit partner approval), engagement and decline letters
10. Develop and maintain knowledge of financial industry, economy, market conditions, rates and
competition.
11. Cross sells the Bank’s other products and services, referring clients to appropriate staff as indicated.
12. Update and correspond with legal counsel and collectors on workouts, bankruptcies, and charge-offs to
ensure all possible precautionary actions or measures are taken.
13. Assist in meeting annual loan growth goals assigned by senior management; participates in various internal
committees assigned by senior management.
14. Assist Senior Management with developing, analyzing and finalizing complex loan agreements with
representatives of large businesses.
15. Assume responsibility for special projects; gathers data and prepares reports for Senior Management,
audits and other personnel.
16. Maintain current knowledge and consistent compliance with regulations and bank policies and procedures
related to the position.
N.B:
& Mineral Co.PetroleumGeneralFinancial Controller.Experience :
( 1986 to 1993 )Riyadh..)Petromin(
 Supervise employees performing financial reporting, accounting, billing, collections, payroll, and
budgeting duties.
 Coordinate and direct the financial planning, budgeting, procurement, or investment activities of all or
part of an organization.
 Develop internal control policies, guidelines, and procedures for activities such as budget
administration, cash and credit management, and accounting.
 Maintain current knowledge of organizational policies and procedures, federal and state policies and
directives, and current accounting standards.
 Prepare or direct preparation of financial statements, business activity reports, financial position
forecasts, annual budgets, or reports required by regulatory agencies.
 Provide direction and assistance to other organizational units regarding accounting and budgeting
policies and procedures and efficient control and utilization of financial resources.
 Analyze the financial details of past, present, and expected operations to identify development
opportunities and areas where improvement is needed.
 Advise management on short-term and long-term financial objectives, policies, and actions.
 Monitor financial activities and details, such as cash flow and reserve levels, to ensure that all legal and
regulatory requirements are met.
 Evaluate needs for procurement of funds and investment of surpluses and make appropriate
recommendations.

5. Courses Attended With The Institute Of Banking – Riyadh (1993-1994) :
1 Advance Course in Banking Credits 12 Contract Finance
2 Principles of Banking 13 Appropriations , Collections and LC and Foreign
Exchange
3 Bank-Lending and Risk Analysis 14 Report Writing
4 Intro. to SWIFT Messages 15 Effective Supervision
5 Financial Accounting 16 Project Finance
6 Financial Analysis 17 Current, Savings and Deposit Accounts
7 Cash Flow 20 Interviewing Skills
8 Computer 21 Bank Accounting
9 Interpretation of Financial
Statements
22 Financial Analysis and Interpretation of Financial
Statements
10 Basic Investment Concepts 23 Direct Customer Care
11 Managerial Accounting