SOCIÉTÉ GÉNÉRALE DE BANQUE AU LIBAN (SGBL)
- Several Positions
1999 - 2006A leading French Bank affiliated with "Société Générale" Paris acting in Lebanon through its 43 branches
Senior Internal Auditor December 2003 – May 2006
Lead auditor specializing in Corporate Banking practice.
•Conducted a wide range of audit assignments, evaluated the adequacy and effectiveness of management controls and formulated recommendations and corrective actions to the board of directors and to audited departments
•Audit assignments covered the following areas:
Credit decisions, including: approval processes, disbursement process, loan documentation, and legal issues
Credit risk measurement, including: credit evaluation, credit scoring, and valuation of the available collateral
Application of best practices, including the implications of all regulations on credit risk policies and procedures
Quality of the Bank's credit portfolio and provisioning policy
Financial Analyst/Negotiator – Credit Recovery Division October 2001-December 2003
In charge of Corporate Clients with bad debt exceeding USD 1 million.
•Reviewed and analyzed clients’ financial history, and recommended a course of action that best mitigated the bank’s losses
•Managed the client relationship, negotiated/developed a realistic recovery plan with the client
•Performed valuations for companies, real estate and other assets taken in lieu of payment by the bank (using Discounted Cash Flows and Residual Income methods)
•Engaged the bank’s lawyers as needed, managed the liaison with the lawyers and facilitated the entire legal process
Account Manager – Corporate Banking January 99 - October 2001
In charge of industrial clients with the following scope of work: project financing, medium-term loans, and syndicated loans.
•Managed the client relationship from initial exploratory meetings to the closing of financing agreement
•Analyzed clients’ business plan, financial structure, and their capacity to repay a loan
•Assessed the value of companies and projects to be financed using various methods of valuation
•Developed advanced business modeling/forecasting techniques in the simulation of future cash flows
•Formulated company’s financing strategy and recommended a plan of action to the credit committee
•Monitored the evolution of clients' business operations and account activity and adapted their financing strategy as needed
