Joanne El-Khoury

• Analyze monthly and forecast results for KSA, Morocco, Tunisia, and UAE markets while preparing
commentary for senior global and regional stakeholders.
• Ensure the accounting integrity of the monthly and budget figures in the P&L and balance sheet.
• Responsible for the monthly financial closing while supporting finance heads in all monthly and
quarterly reports and uploads.
• Engage with the senior stakeholder monthly to update on the project status.
• Consolidate monthly P&L (Actual/Forecast/Budget) and commentaries and share with leaders.
• Present yearly budget, quarterly re- forecasts and highlighting the variances.

• Lead cross-functional stakeholder management meeting (demand planner and sales team) on monthly target for the market.
• Prepared the monthly closing file and assessed the monthly financial and management reports.
• Simulated different scenarios and business cases, with the marketing team, to check feasibility and enhancement opportunities.
• Prepared financial forecasts and 5-year plan for Levant.
•Analyzed actuals and variances versus forecast.

• Assessed past business performance and coordinated with management to understand present
operations as well as future performances.
• Identified required financial and valuation parameters needed to complete the valuation.
• Developed customized valuation models to apply the appropriate methodology to value the
business, based on diligently identified set of operating, financial and valuation assumptions.

• Conducted research on various topics in finance including corporate governance and effectiveness in family businesses vs. non-family businesses.

• Audited companies’ revenues and expenses to ensure they met the accounting standards and to ensure no fraudulent activities were taking place.
• Organized and filled out paper work and supplementary documents in client site.
• Reconciled a company’s financial reports and ensured accuracy and completeness.

• Shadowed the teller’s tasks of opening bank accounts and executing withdrawals and deposits, in addition to other transactions.
• Shadowed loan officers in their assessment of eligibility criteria for loan applicants and the resulting approval/decline plus interest rates offered.

• Attended informative lectures for all related bank divisions by speakers that are pioneers in their field.
• Explored the BDL Museum and Dealing Room.