Michel Aoun

• Assessing the risk and credit worthiness of an assigned portfolio of SME clients as well as the bank’s subsidiaries clients.
• Performing detailed financial due diligence and assessment of credit requests, including new requests, and annual due diligence.
• Providing recommendations to the Credit Committee.
• Monitoring and following up on the credit portfolio quality (Watchlist and litigious files).
• Authorizing/declining overdrawn daily operations related to the assigned portfolio with the coordination of the Head of unit and/or Head of department; and following-up on timely settlement.

Credit Analyst - Credit Department
- Assessing the risk of an assigned portfolio of MSME and corporate debtor clients.
- Analyzing the organizational and legal structures of debtor clients, reviewing their past financial relationships (with banks and other relevant stakeholders)
- Performing detailed financial due diligence (including financial statement analysis and scenario-based projection), recommending loan types, loan amounts, restructuring doubtful and litigious debts
- Administering and following up on all Kafalat loans
- Coordinating department activities with internal and external audit as well as the Banking Control Commission

- Compiled Secondary data to prepare the development of a statistical database related to the economic situation in Liberia.

- Monitored economic indices including exchange rates fluctuations, consumer price index trends and evaluated the government budget.