Total Years of Experience: 35 Years, 6 Months
January 2018
To Present
Financial Advisor
at More Capital S.A.L
Location :
Lebanon
Financial advisor with More Capital, a boutique firm that provides financial and legal advisory
services to businesses involved in real estate, contracting, commodity trading, and e-commerce in
Lebanon and the GCC. My scope of work consists in:
§ Attracting new business and prospecting potential investors.
§ Providing financial insights and debt-advisory services to businesses / investors.
§ Assisting CFOs and Finance Directors in formulating their investment and funding strategy to
external lenders (institutional and private), and providing necessary support during the
negotiations process.
§ Drafting RFPs, RFIs, Info Memos, and formulating initial term-sheets and credit asks.
§ Reviewing financial models, assessing key financial figures and ratios.
§ Providing recommendations to business owners on the appropriate funding structure, credit
terms, security packages and other commercial-related terms.
services to businesses involved in real estate, contracting, commodity trading, and e-commerce in
Lebanon and the GCC. My scope of work consists in:
§ Attracting new business and prospecting potential investors.
§ Providing financial insights and debt-advisory services to businesses / investors.
§ Assisting CFOs and Finance Directors in formulating their investment and funding strategy to
external lenders (institutional and private), and providing necessary support during the
negotiations process.
§ Drafting RFPs, RFIs, Info Memos, and formulating initial term-sheets and credit asks.
§ Reviewing financial models, assessing key financial figures and ratios.
§ Providing recommendations to business owners on the appropriate funding structure, credit
terms, security packages and other commercial-related terms.
April 2015
To November 2017
Assistant Group Treasurer
at Agility Public Warehousing KSCP
Location :
Kuwait - Al Jahra
Assisted the Group Treasurer in functions related to raising debt on the Group and subsidiaries level in the form of club deals, syndications, bilateral lending, and project finance.
• Owned the entire funding process of each project from the origination to the closing phase.
• Reviewed financial forecasts and provided recommendations; drafted and submitted RFPs and IMs; negotiated borrowing terms, reviewed and pre-approved borrowing documents and ensured proper debt implementation. Total amount executed c. $700 million, which included a club deal for a commercial real estate project and a syndicated revolving long-term facility.
• Ensured that credit terms (covenants, caveats, carve outs, collateral thresholds etc.) were properly defined, can be complied with and were aligned with the Group’s borrowing policy.
• Coordinated with CoSec and the General Counsel on the execution of legal matters - reps and warrants, CPs, CS, loan debentures and the like.
• Assessed financial performances and forecasts of businesses and recommended if internal or external funding is required.
• Provided support when regulatory and compliance issues arose.
• Acted as second back up for the treasury dealer for functions related to FX dealings and cash management.
• Owned the entire funding process of each project from the origination to the closing phase.
• Reviewed financial forecasts and provided recommendations; drafted and submitted RFPs and IMs; negotiated borrowing terms, reviewed and pre-approved borrowing documents and ensured proper debt implementation. Total amount executed c. $700 million, which included a club deal for a commercial real estate project and a syndicated revolving long-term facility.
• Ensured that credit terms (covenants, caveats, carve outs, collateral thresholds etc.) were properly defined, can be complied with and were aligned with the Group’s borrowing policy.
• Coordinated with CoSec and the General Counsel on the execution of legal matters - reps and warrants, CPs, CS, loan debentures and the like.
• Assessed financial performances and forecasts of businesses and recommended if internal or external funding is required.
• Provided support when regulatory and compliance issues arose.
• Acted as second back up for the treasury dealer for functions related to FX dealings and cash management.
July 2007
To March 2015
Senior Relationship Manager
at Gulf Bank of Kuwait (K.S.C.P)
Location :
Kuwait - Al Kuwait
• Managed a portfolio of circa $800 million and $120 million in total assets and liabilities respectively, composed of top-tier domestic corporates active in the fields of Contracting, Manufacturing, Logistics & Warehousing, Real Estate, and Energy.
• Identified funding needs by taking a holistic view on clients’ business and area of business in which they operate; ensured they were inline with the bank’s lending policies and credit appetite.
• Recommended appropriate credit structures and drafted lending proposals for domestic and cross-border financing in the form of committed and uncommitted facilities for capex, investments in properties, buy-outs, projects financing (energy, O&G) and trade financing.
• Submitted and presented business-case proposals to the bank’s credit committees.
• Revised and signed off on the finance documents, ensured proper implementation.
• Shared credit responsibility and monitored on-going customer activity and portfolio quality.
• Checked and inked credit appraisals, on a pre-fact and post-fact basis.
• Collaborated closely with the risk department to solve and monitor credit, regulatory and compliance issues, breaches in covenants and thresholds (LTV ratios, MAEs, EoDs, etc.).
• Worked in conjunction with the Corporate Finance team and the IBD on project financing deals (IWPPs, EPCIs, BOTs projects) and balance sheet restructuring.
• Cross-sold Trade Finance solutions, Treasury and Cash Management products.
• Coordinated with internal and external counsel for non-standard transactions; e.g. LMAs, ECA financing, assignments, novation and custody agreements.
• Took part in various task forces to improve client centricity, enhance risk control measures and internal approvals / procedures.
• Identified funding needs by taking a holistic view on clients’ business and area of business in which they operate; ensured they were inline with the bank’s lending policies and credit appetite.
• Recommended appropriate credit structures and drafted lending proposals for domestic and cross-border financing in the form of committed and uncommitted facilities for capex, investments in properties, buy-outs, projects financing (energy, O&G) and trade financing.
• Submitted and presented business-case proposals to the bank’s credit committees.
• Revised and signed off on the finance documents, ensured proper implementation.
• Shared credit responsibility and monitored on-going customer activity and portfolio quality.
• Checked and inked credit appraisals, on a pre-fact and post-fact basis.
• Collaborated closely with the risk department to solve and monitor credit, regulatory and compliance issues, breaches in covenants and thresholds (LTV ratios, MAEs, EoDs, etc.).
• Worked in conjunction with the Corporate Finance team and the IBD on project financing deals (IWPPs, EPCIs, BOTs projects) and balance sheet restructuring.
• Cross-sold Trade Finance solutions, Treasury and Cash Management products.
• Coordinated with internal and external counsel for non-standard transactions; e.g. LMAs, ECA financing, assignments, novation and custody agreements.
• Took part in various task forces to improve client centricity, enhance risk control measures and internal approvals / procedures.
October 2002
To June 2007
Relationship Manager
at BANQUE LIBANO-FRANCAISE S.A.L Lebanon
Location :
Lebanon - Beirut
• Managed a portfolio composed of medium-sized enterprises & industries.
• Produced the credit package: financial spreads, credit analysis reports, and the commercial proposal.
• Handled the subsidised loan funding programs (Kafalat, IFC, BDL) intended to fund medium-sized agri-businesses, pharmaceuticals and para-medical industries.
• One and half year thorough rotation in retail banking: front office and customer service.
• Produced the credit package: financial spreads, credit analysis reports, and the commercial proposal.
• Handled the subsidised loan funding programs (Kafalat, IFC, BDL) intended to fund medium-sized agri-businesses, pharmaceuticals and para-medical industries.
• One and half year thorough rotation in retail banking: front office and customer service.
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