Jennifer MAALOUF (el)

I. Acted as a trusted advisor for the clients by assisting them with investments in line with their risk and return objectives;
II. Provided exceptional service to UNHW clients in executing their requests/instructions;
III. Interacted with the respective areas within private clients/correspondents to ensure client requirements were met through an effective service delivery;
IV. Reviewed investment proposals and solutions depending on the clients’ assets and the chosen investment policy;
V. Acquired, served and retained clients by the establishment of enduring and trusted relationships with them;
VI. Established a network of new prospects;
VII. Stayed abreast of key market developments;
VIII. Reviewed the income statement and other reports for the private banking department and ensured they were aligned with the scope;
IX. Handled the portfolio valuation.

I. Monitored the performance of the portfolio of corporate credit clients throughout the different phases of the credit process;
II. Provided decision recommendation to the credit committee based on determining the creditworthiness of the borrower by predicting the probability of default;
III. Continuously verified that outstanding facilities are being utilized for their requested purposes and are abiding by the bank’s credit policy;
IV. Monitored the movement of the borrower’s accounts daily to assess performance and detect irregularities;
V. Monitored the financial situation of borrower through a periodic analysis of the client’s latest financial statements;
VI. Monitored on a daily basis any excesses above facility limits and coordinated with branches for settlement of such overdrawing;
VII. Analyzed the ability of the borrowing company to generate sufficient cash flows to settle its debt obligations and evaluate losses in the event of default;
VIII. Followed the settlement of discounted bills and loan accounts on specified maturities;
IX. Renewed credit files on respective maturities, checking for completeness, especially from the legal side by referring to the Legal Department.

I. Developed and drove Financial Aspects in French & English speaking countries in Africa: i.e.: Ghana, Madagascar, Burkina Faso, Benin, Reunion, Algeria, Kenya, Tanzania, Congo, Cameroun, Cote d'Ivoire, Angola, Namibia, Togo, and Mauritius;
II. Performed financial forecasting as part of preparing yearly budgets emphasizing financially sustainable decisions;
III. Re-organized a new budget template and processing for year 2017;
IV. Coordinated with the Chief Financial Officer – CFO budgeting/forecasting, cash management, and risk management;
V. Reviewed and evaluated the effectiveness of business controls over financial reporting controls;
VI. Analyzed financial statements to evaluate the firm’s overall financial performance in order to make effective investment decisions;
VII. Built financial models in Excel in order to assess daily, weekly, monthly, performance of 16 companies in Africa;
VIII. Prepared and presented monthly and periodic business reviews for senior leadership;
IX. Reviewed and summarized corporate actions to assist the Chief Executive officer - CEO and the Chief Financial Officer - CFO in their decision-making processes.

I. Assisted, prepared and presented a broad range of Financial and Market Analysis, and Statements to the chairman of the Board, Management board;
II. Calculated key financial ratios to evaluate the company’s financial health compared to its peers and make informed investment decisions;
III. Audited monthly financial statements and generated monthly Consolidations;
IV. Conducted feasibility studies and sensitivity analysis to provide recommendations on potential investment projects;
V. Worked with External Strategy Consultants in issuing Business Plan for an efficient 5 years restructuring & projection;
VI. Assisted in the implementation of new customized features related to financial KPIs;
VII. Prepared financial reports verifying budgets and expenditures were in compliance;
VIII. Provided assistance to external auditors in determining compliance of expenditures;
IX. Assisted Head of departments in their budgeting responsibilities.