Amaal Alshalwi

Banking, Credit Risk, Governance, and Mortgage Finance professional with 6+ years of experience across credit analysis, lending operations, real estate financing, policy exception management, regulatory compliance, customer complaint handling, and risk assessment within leading financial institutions. Experienced in supporting credit decision-making, mitigating risk exposure, ensuring compliance with internal policies and regulatory requirements, and coordinating with Risk, Legal, and Governance stakeholders.

Certified Credit

Advisor and Governance, Risk & Compliance Professional (GRCP) - OCEG with strong analytical, operational, and stakeholder management capabilities.

Senior Credit Officer – Real Estate Finance at Atmaal – Al Rajhi Bank (2024-07 – 2026-02)

• Review and approve real estate financing applications within delegated authority while ensuring compliance with credit policies and risk appetite.
• Conduct comprehensive financial assessments covering customer income, liabilities, repayment capacity, and credit history.
• Lead policy exception evaluations and coordinate approvals with Risk Management stakeholders.
• Manage customer complaints and escalate cases through SAMA channels in accordance with regulatory requirements.
• Evaluate mortgage release requests and co-borrower separation cases based on approved financing policies.
• Coordinate legal documentation and case requirements with internal and external stakeholders.
• Ensure adherence to internal controls, governance frameworks, and regulatory requirements.
• Act as Backup Supervisor, supporting workflow management, escalations, and operational continuity.

Credit Analyst at Tanfeeth – Al Rajhi Bank (2022-08 – 2024-07)

• Conduct credit risk assessments for financing applications across multiple customer segments.
• Analyze financial standing, liabilities, repayment capacity, and risk indicators to support lending decisions.
• Prepare credit recommendations and risk evaluations for approval processes.
• Perform due diligence and verification of customer information and supporting documentation.
• Maintain compliance with internal credit policies and regulatory standards.

Credit Analyst at Al Rajhi Bank (2020-02 – 2022-08)

• Conduct end-to-end credit analysis for real estate financing applications.
• Evaluate customer eligibility in line with financing policies and credit requirements.
• Assess financial and credit risks to support sound lending decisions.
• Support financing approval processes while maintaining compliance with governance standards.

Real Estate Analyst at Al Rajhi Bank (2019-01 – 2020-02)

• Evaluate real estate financing applications and property-related risks.
• Conduct property assessments and review supporting documentation.
• Support financing decisions through market and property analysis.
• Ensure compliance with financing regulations and internal policies.

Bachelor in English Language & Literature – Imam Muhammad Ibn Saud Islamic University (2018)