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Kais KAROUI

TUNIS

En résumé

Financial Analysis/ Credit Analysis

Mes compétences :
Microsoft office
Internet
Analyse financière
Leadership
Team management
Négociation
Communication
Customer relationship management
Financial Analysis
Banking
Corporate Banking
Customer service

Entreprises

  • Albaraka Bank - Finance Division-Head of SME

    2013 - maintenant
  • Ahli United Bank - Relationship Manager

    2012 - 2013
  • Faculte des Sciences Economiques et de Gestion de Tunis - Teacher

    2012 - 2012
  • ABC Bank - Credit/ Financial Analyst

    2010 - 2011 - Preparation of reports that include the degree of risk involved in extending credit facilities.
    - Assessment of the overall credit worthiness of various clients (private companies/government owned companies/ FIs…).
    - Generation of business, industry and sector analysis reports.
    - Advice and recommendation of eventual changes to policy and procedures.
    - Liaison with other staff within the bank, such as account managers and product specialists.
    - Staying informed about the legal, compliance and market-risk-related issues involved in the approval of credit
  • Union National Bank, Qatar - Credit Analyst

    2009 - 2010 - Preparation of financial analysis Reports, risk management and subsequent Credit Proposals.
    - Analyze credit data and financial statements to determine the degree of risk involved in extending credit or lending money.
    - Assessing the credit worthiness of existing and new clients.
    - helping to ensure that procedures comply with sector standards.
    - Development of new banking relations.
    - Customer Relation Management.
  • Mashreq Bank - Credit Analyst/ A Team Leader

    2006 - 2009 - Preparation of credit proposals.
    - Work with traders and account managers to calculate the risk associated with specific transactions
    - Customer Relationship Management ( Retail and Large Corporate)
    - Prepare monthly team members objectives, follow up performance and provide assistance when required.
    - Training new joiners and direct reports
    - Organisation of team building and motivation sessions
  • Universite Internaionale de Tunis - Teacher

    2003 - 2005 Financial Management, Financial short term decisions, Financial Maths
  • Shannon Textiles - Export Sales Manager

    2003 - 2006 - Development of sales with the second largest fashion retailer in the UK
    - Realisation of complete business plan and marketing strategy to develop sales across the UK.
    - Development of diverse market oriented sales strategies
    - Management of existing portfolio of customers and development of customers’ network.
    - Attending international exhibitions on behalf of the company and high level meetings with local government entities.
  • RAC/SPA United Nations Environment Program - Administration & Finance Officer

    2000 - 2002 Participation in budget planning and monitoring.
    - Management of all office expenses locally and internationally: bookkeeping, processing, payroll, bank accounts, etc…
    - Establishment of regular financial and non-financial reports.
    - Management of all office procurements, maintenance and inventories
    - Supervision of permanent and temporary international recruitments
    - Assistance to Country Manager in various tasks providing advice and recommendations
    - Providing all required support to local staff and temporary experts.
    - Management of all logistics related to international meetings.
  • Auditech - Financial Analyst

    1998 - 2000 - Participated as official consultant in a national plan (Plan de Mise a niveau) to enhance the competitiveness of local SMEs.
    - Assessment of financial situation of pre-selected companies and preparation of official reports.
    - Building investment plans and profitability projections.
    - Follow up of the execution of investment plans and intervention when required.
    - Preparation of reports on international marketing and export solutions for some local SMEs.
  • Tunisie Formation - Trainer

    1998 - 2000 Accounting principles, cost management.

Formations

  • Ecole Supérieure De Commerce De Tunis (Tunis)

    Tunis 2011 - 2014 PhD

    Islamic Banking - Islamic vs Conventional Banks in terms of Risk, Return and Stability
  • Faculté Des Sciences Economiques Et De Gestion De Tunis (Tunis)

    Tunis 1994 - 1998 Bachelor's Degree in Finance

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