Alain

Main Responsibilities
- Deliver strategic advice across a variety of financial products and services (debt & cash management, investments, M&A, loans etc.)
- Assess and advise on overall financial picture, understand the needs, and develop solid financial plans and solutions
- Conduct cost and benchmarking analysis - Guide clients towards profitable and secure financial decisions
- Keep abreast of new industry’s trends and research market to back up financial consulting

Key Achievements
- Provided a full study on the 5 years expansion plan of a regional local services provider with a network increasing from 20 to 50 locations
- Counselled private investors from USA & the GCC on the sovereign debt, the fiscal/political dynamics of governments in the Levant
- Advised on a Private Equity deal for the expansion of a regional confectionary factory through a $35 million capital increase
- Led discussions for the assets’ acquisition of a Middle Eastern plastic utensils production company by UAE investors for $20 million
- Defined the comprehensive business plans (strategy, finance, platforms & marketing) for the launch of 3 start-up applications
- Configured the UAE based financial unit of a Swiss oil & gas company as per their trade and project finance activities
- Structured the business plan, CRM setup, KYC/KYB/AML structure, Legal & regulatory frame, and the cash management services requirements for a for a new Fintech/e-banking services startup.

Main Responsibilities
- Deliver strategic advice across a variety of financial products and services (debt & cash management, investments, M&A, loans etc.)
- Assess and advise on overall financial picture, understand the needs, and develop solid financial plans and solutions
- Conduct cost and benchmarking analysis - Guide clients towards profitable and secure financial decisions
- Keep abreast of new industry’s trends and research market to back up financial consulting

Key Achievements
- Provided a full study on the 5 years expansion plan of a regional local services provider with a network increasing from 20 to 50 locations
- Counselled private investors from USA & the GCC on the sovereign debt, the fiscal/political dynamics of governments in the Levant
- Advised on a Private Equity deal for the expansion of a regional confectionary factory through a $35 million capital increase
- Led discussions for the assets’ acquisition of a Middle Eastern plastic utensils production company by UAE investors for $20 million
- Defined the comprehensive business plans (strategy, finance, platforms & marketing) for the launch of 3 start-up applications
- Configured the UAE based financial unit of a Swiss oil & gas company as per their trade and project finance activities
- Structured the business plan, CRM setup, KYC/KYB/AML structure, Legal & regulatory frame, and the cash management services requirements for a for a new Fintech/e-banking services startup.

Main Responsibilities

• Credit Risk Assessment (France, Jordan, Qatar, and Egypt Desks)
- Timely delivered circa 5 daily Credit Risk Opinions assessing credit proposals submitted by the regional entities’ desks
- Led a team of 8 Senior Associates & Portfolio Managers to produce analysis related to the final Risk Opinions in timeframes of 48 hours
- Evaluated impacts of explicit events in regular stress testing (4 per year) or targeted assessments, on portfolios or specific clients

• Group Credit Policies and Procedures:
- Successfully designed & wrote the bank’s new Credit Policies & Procedures with substantial additions and amendments
- Tailored strategic solutions to the challenges facing the prompt implementation of the new policies and resolved complex issues
- Planned field visits to Group entities to train more than 200 colleagues for a successful rollout of the updated policies

• Credit Portfolio Maintenance, Business Development & Quality Management:
- Enhanced & efficiently designed credit risk management workflows, scorecard analytics and credit approval processes
- Developed 5 templates for detailed credit proposals as per economic sector & TM/RACs and enhanced existing ones
- Monitored and analyzed results of KPIs & reports outcome while enhancing internal controls to preserve governance frameworks
- Identified and accurately implemented early risk indicators reporting (portfolios concentrations sector, industry, economy & credit quality)

• Team Management (Training, Support, Coaching & Supervision)
- Supervised the tasks of the Senior Associates & Portfolio Managers. Coached, guided, and motivated the team members
- Provided all necessary support and training, fostering the credit analysis, a culture of risk acumen, organizational & management skills


Key Achievements
- Increased the productivity of the assigned team of Senior Associates & Portfolio Managers by an outstanding 30% in a span of 9 months
- Developed and rolled out a structure for more than 15 thorough Target Market & Risk Acceptance Criteria and early warning signals/ratios
- Improved the quality and accuracy of the risk ratings for the covered portfolio of clients by roughly 85% in just 1.5 years
- Delivered a fully revamped Group Credit Policies & Procedures in a timeframe of 6 months
- Selected among my peers as the Interim Head of Credit Risk with Bank Audi France SA from March until August 2018

Main Responsibilities
- Delivered full-fledged banking products & services to corporate clients in Lebanon, UAE, other GCC countries, Europe, and Africa
- Oversaw a portfolio of leading groups in diverse sectors with BAU facilities of over USD 300 MM for projects, trade & working capital financing
- Implemented corporate finance, investment banking, trade & treasury & project finance structures through the bank’s worldwide footprint
- Deployed & matched the bank’s services through its network in 4 geographies: Levant, UAE & other GCC countries, Europe & Africa
- Organized & financed the cross-border expansion of clients in the IT, energy, distribution, FMCG, waste management & real estate sectors
- Structured several regional supplier financing solutions out of Citibank’s DIFC hub in the UAE
- Mentored & coached a team of 5 Associates & Analysts, providing senior leadership in managing corporate relationships & credit risks controls

Key Achievements
- Grew the portfolio’s revenues, returns & share of wallet with a sound CAGR of 15%
- Slashed portfolio’s costs of fund by safeguarding an optimal capital deployment (RORAC of 65% vs. threshold of 25%)
- Engaged M&A negotiations for a total USD 5.8 Bn in the IT, Energy, Real Estate and FMCG sectors in Europe, UAE the GCC & Africa
- Involved in discussions for IPO deals for USD 5.0 Bn in the IT & Real Estate sectors in UAE & Africa
- Funded the construction of several power plants with the IMF for USD 800 MM in Senegal, Kenya & Ghana
- Negotiated USD 400 MM ECA financing of new aircrafts with the national airline carrier
- Designed and executed a USD 40 MM fuel hedging deal and a USD 20 MM carbon emissions/credits agreement with the same carrier
- Initiated discussions for a USD 200 MM permanent fuel hedging structure with the Ministry of Energy
- Led the discussions for a club deal debt restructuring of a major distribution group in the UAE & MENA for USD 175 MM
- Refinanced the debt of a UAE private equity firm’s subsidiary for USD 150 MM

Main Responsibilities
- Steered business development activities and client servicing as trusted key point of contact
- Upheld and enhanced a diversified portfolio of 83 groups/corporates with total facilities of over USD 250 MM within bank’s risk appetite
- Identified opportunities for products cross selling, structured transactions, prepared & negotiated indicative term sheets/proposals
- Led a team of 10 Credit Analyst to issue Credit Proposals, while nurturing a spirit of excellence, exemplarity, and ownership

Key Achievements
- Organized a large-scale syndicated financing for the setup of the biggest plant for construction materials in the Levant area
- Involved in the execution of the merger deal between 2 leading local cement manufacturers
- Structured the financing of several major real estate projects in Beirut
- Financed the construction / expansion of one of the leading hospitals in Beirut