If you are interested in this candidate, please contact Simon Blau via email sblau@cerfinancial.co.uk or call on 0207 626 6065.

00224993

PROFILE:

Senior Credit Analyst, multilingual, with over 18 years of experience in Credit Risk analysis, Structured Trade Finance and Corporate Banking in the UK and the Middle East. Coverage spans across a wide array of sectors with a particular passion for Energy, Commodity Traders and Metals & Mining. Have also worked on analysing FIs and General Corporates early in my career and acquired leadership skills heading a unit related to credit cards. Very strong analytical and interpersonal skills.

TECHNICAL SKILLS:

• Moody’s Analytics, MAC, Windows, Microsoft Word, Microsoft Excel, Power Point, and SPSS (beginner).

CAREER HISTORY:

March 2020 - January 2023

Banking

Credit Manager/Vice President

Role principally consisted of maintaining and monitoring the quality of a loan portfolio, within the 2nd Line of Defence (2LoD), of large multinationals in the Commodity Traders (Tiers 1, 2 & 3), O&G, Metals & Mining, Agri and Chemicals sectors across EMEA, Russia & CIS, Africa and Latin America. The loan book stands at c.US$20bn with individual client exposures varying between US$60m and US$4bn comprised of Corporate and Structured Trade Finance facilities.

• Reviewing a wide array of transactions of which Structured Trade Finance, Syndicated loans, Trade Finance, Pre-Export Finance, treasury products and Derivatives (incl. ISDA/CSAs documentation).
• Liaising and negotiating with the front office teams on credit matters of clients and ensuring potential transactions are within the bank’s appetite.
• Carrying out thorough analysis of credit applications, preparing credit reports, presenting and recommending deals to Senior Management.
• P&L, Balance sheet, cash flow analysis and evaluating financial models related to long term projections.
• Assessing customer ratings in accordance to internal guidelines.
• Training Junior credit analysts.

August 2017 - February 2020

Banking

Credit Risk Analyst/Associate Director

Role consisted of maintaining and monitoring the quality of a loan portfolio, within the 2LoD, of large multinationals in the "Natural Resources and Mining" and "Commodity Traders" industries (Commodities: Oil & Gas, Metals, Minerals and Agri related products). The loan book stood at c.US$ 15bn with individual client exposures varying between US$50m and US$3bn across Europe, Russia, CIS, Asia, Americas and Africa.

• Responsibilities are broadly similar to my role at MUFG as detailed above.

September 2010 - July 2017

Banking

Credit Analyst

Working as part of the front office team (1LoD) on a loan portfolio (Syndicated Facilities and bilateral Trade Finance lines) of Listed and Privately held Investment Grade Large-Cap Multinationals comprised mostly of the leading oil & gas commodity traders, in addition to oilfield services companies, agribusiness trading houses, defence, telecommunication and engineering listed market leading entities. The loan book stood at c.US$600m with individual loan exposures varying between US$10m and US$120m. Responsibilities also include analysing Scandinavian, Dutch, UK and North African Financial Institutions.

• Producing detailed company specific credit applications for timely submission to Credit Committee.
• Recommending credit lines as part of a relationship building strategy with corporates.
• Meeting with client representatives and conducting due diligence.
• Handling KYCs, related documentation and monitoring the utilisation of credit lines.
• Developing relationships with 3rd parties of which book runners and secondary market traders.

March 2006 - June 2008

Banking

Head of Cards Approval Unit

In addition to my position as a Relationship Manager I was promoted as Head of Cards Approval Unit of the bank. Further responsibilities include:

• Leading a department comprised of 2 officers handling requests for credit cards.
• Reviewing and Approving credit card requests based on income, account movement, information reports.
• Credit committee member for requests >US$5k.
• Liaising with the marketing department and senior management in finding innovative ways to implement and improve credit card services and marketing campaigns.

November 2003 - June 2008

Banking

Relationship Manager

• Managing a US$25m loan portfolio of roughly 70 corporate clients from different sectors ranging from small retailers to large corporates. Individual loan exposures varied from US$ 10,000 to US$1.5m.

EDUCATION:

2008 – 2009: UNIVERSITY

MSc in Management with Merit

• Dissertation topic: Overcoming Cultural Resistance to Change; Case of a Lebanese bank undergoing Basel II implementation.

2000 – 2003: UNIVERSITY

BSc in Business Banking & Finance

• Emphasis on banking and finance with courses in Economics, Accounting, Marketing and Management.

2000: School/High School

French Baccalauréat degree in Science with an emphasis on Mathematics.

SEMINARS & TRAININGS:

July 2014: ADVANCED BANK ANALYSIS – Capital market company February 2012: SYNDICATED LENDING – Professional Education

July 2003: Internship in Banking (4 weeks)

LANGUAGES:

• English: excellently spoken read and written.
• French: excellently spoken read and written.
• Arabic: excellently spoken and moderately read and written.
• Armenian: excellently spoken and moderately read and written.

INTERESTS:

• 2000-2008: Musical Band Member (Drummer)
• Drummer in a progressive rock band called Centuries Cross. Organized local concerts, composed drums tablature and contributed towards composing original songs.

If you are interested in this candidate, please contact Simon Blau via email sblau@cerfinancial.co.uk or call on 0207 626 6065.

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