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تم إلغاء حظر المستخدم بنجاح
ريتا كرم, Financial & Business Support Consultant

ريتا كرم

Financial & Business Support Consultant·Steritech Egypt - under establishment

لبنان

ماجستير, Management and Finance

الخبرة العملية

مجموع سنوات الخبرة: 20 سنوات, 4 أشهر

Financial & Business Support Consultant

مارس 2022 - حتى الآن

Steritech Egypt - under establishment

لبنان

مارس 2022 - حتى الآن

• Develop a feasibility study for advanced disinfection and sterilization products plant in Egypt
• Fulfil project submission filing requirements
• Develop a new coding system for Steritech Products
• Streamline and devise processes related to risk management and customers’ communication required for the application to CE certificate

مجال الشركة:
صناعة البتروكيماويات والمنتجات البترولية المكررة
الدور الوظيفي:
استشارات

Financial Manager

نوفمبر 2012 - فبراير 2022

IBC S.A.L

صيدا، لبنان

نوفمبر 2012 - فبراير 2022

Conduct profit and cost analyses and highlight cost reduction opportunities
• Supervise a team of Accountants
• Establish and monitor financial policies and controls
• Allocate resources and manage cash flows
• Coordinate and consolidate budgets, monitor and analyse variances
• Provide monthly, quarterly, and annual financial reports to Management and Board of Directors
• Develop financial models including what if scenarios and sensitivity analysis
• Develop long term business plans
• Perform ad-hoc analysis as required to support business decisions
• Coordinate financial auditing processes and taxes declarations transactions
• Develop and maintain effective relationships with all levels of management, shareholders, suppliers,
customers, and other key stakeholders
• Develop strategy for Oracle EBS that reflects the nature and details of IBC’s operations and ensures
automation of most of the company´s processes. Thus, data is collected, derived, and consolidated from
all departments and provides a firm basis for analysis, planning and forecasting.

مجال الشركة:
الإنتاج الصناعي
الدور الوظيفي:
المحاسبة والتدقيق

Financial Officer

فبراير 2011 - أكتوبر 2012

Steritech LBN S.A.L

فبراير 2011 - أكتوبر 2012

Manufacturer of advanced disinfection and sterilization products
• Oversee daily accounting transactions
• Oversee tax reports preparation and manage timely payments to tax authorities
• Prepare Financial Statements
• Forecast Cash Flow
• Develop Standard Operating Procedures and map processes in flow charts as part of ISO 13485
implementation

الدور الوظيفي:
المحاسبة والتدقيق

Financial Officer

يناير 2007 - يناير 2011

South BIC – CCIAS (Chamber of Commerce, Industry & Agriculture in Saida)

صيدا، لبنان

يناير 2007 - يناير 2011

Business incubator co-funded by the European Commission and the CCIAS
• Develop, monitor and update budgets in compliance with EC rules, procedures and objectives set out in
the Grant Contract
• Manage the various sources of funding (incubation activities, services, grants)
• Prepare financial reports to management, to board members, and to the Contracting Authority
• Control cash flow during and after the Grant period
• Facilitate “access to finance” through linking the clients to the appropriate financial service providers:
banks (Kafalat program, Economic and Social Fund for Development program), micro-financial
institutions, etc…
• Build database of several existing financial products (credit-related), organize or participate in campaigns
aiming at increasing client’s awareness of available financial products
• Assist existing clients and prospective entrepreneurs in the development of business plans specifically
the financial part
• Deliver trainings in “Financial Planning” to young entrepreneurs and to university students
• Report to international organizations (Italian and German NGOs) on numerous small projects funded by
these NGOs and implemented by SouthBIC
• Develop an excel-based tool that assists clients in monitoring their financial and operational performance
through continuous measurement of specific Ratios and KPIs (Key Performance Indicators

مجال الشركة:
خدمات الدعم التجاري
الدور الوظيفي:
المحاسبة والتدقيق

Financial Officer

يناير 2007 - يناير 2010

Vitech Consulting s.a.l. – MEDA GO TO EUROPE Project

بيروت، لبنان

يناير 2007 - يناير 2010

MEDA GO TO EUROPE is a FP6 project launched by the European Union aiming at helping agro-industrial
and food SMEs, research centers, and universities to integrate in the Euro-Mediterranean Trade & Research
Center. It includes 16 partners (8 European partners and 8 Mediterranean partners)
• Control costs within budget constraints
• Report - to the project coordinator - the costs of resources deployed for the implementation of the project
• Prepare Financial Statements in accordance with FP6 Financial Basics and Requirements

مجال الشركة:
خدمات الدعم التجاري الأخرى
الدور الوظيفي:
المحاسبة والتدقيق

Accountant

فبراير 2006 - ديسمبر 2006

Vitech Consulting s.a.l. - ASAIL Projec

فبراير 2006 - ديسمبر 2006

ASAIL - is a project implemented by ACDI/VOCA an American NGO, in collaboration with Vitech Consulting
under the USAID-financed program “Expanding Economic Opportunities” in Lebanon, whose purpose is to
support the development of the agriculture and the agro-industrial sectors in Lebanon
• Record daily accounting transactions
• Provide monthly reports to the Project´s Financial Manager

الدور الوظيفي:
المحاسبة والتدقيق

التعليم

Université La Sagesse

يونيو 2010

يونيو 2010

ماجستير، Management and Finance

لبنان

-

Lebanese University

يناير 2003

يناير 2003

ماجستير، Sciences - Chemistry

لبنان

-

Skills

BUDGETING
Expert
BUDGETING
Expert
BUSINESS PLANS
Expert
BUSINESS PLANS
Expert
FINANCIAL
Expert
FINANCIAL
Expert
PROCESS ENGINEERING
Expert
PROCESS ENGINEERING
Expert
TAX PLANNING
Expert
TAX PLANNING
Expert
ACCOUNTANCY
Expert
ACCOUNTANCY
Expert
AUDITING
Expert
AUDITING
Expert
AUTOMATION
Expert
AUTOMATION
Expert
CASH FLOW
Expert
CASH FLOW
Expert

اللغات

العربية

متمرّس

الانجليزية

متمرّس

الفرنسية

متمرّس

التدريب و الشهادات

الشهادات
Passed CFA Level 1
Jan 2021

التدريب
Financial & Valuation Modeling
Wall Street Preparation
Mar 2022
عرض الشهادات
Excel Crash Course
Wall Street Preparation
Dec 2021