Mohamad Kaissi, CFA
Head of Unit, Corporate Banking at Société Générale de Banque au Liban SAL- Claim this Profile
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English Professional working proficiency
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French Full professional proficiency
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Arabic -
Topline Score
Bio
Credentials
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Verified International Academic Qualifications
World Education ServicesSep, 2020- Nov, 2024 -
Risk & Capital Management under Basel III & IFRS 9
Association of Banks in LebanonOct, 2017- Nov, 2024 -
Operational Management Process
ESA BUSINESS SCHOOLSep, 2016- Nov, 2024 -
High-Maturity Coaching: Managing The Relationship Realities of Leadership
Leadership Coaching Inc.Sep, 2015- Nov, 2024 -
Lebanese Financial Regulations
ESA BUSINESS SCHOOLJan, 2013- Nov, 2024
Experience
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Société Générale de Banque au Liban SAL
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Lebanon
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Banking
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200 - 300 Employee
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Head of Unit, Corporate Banking
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Jun 2010 - Present
-Heading the Real Estate & Contracting Unit with AUM (Assets Under Management) of around US$ 900M and clients base not less than 120 entities, generating annual net income of around US$ 18 M.-Leading a team of 5 (junior and senior) RMs.-Duties including coaching, advising, monitoring the daily operations, completing due diligence and risk analysis on credit proposals prior their submission to Credit Committee as well as conducting joint visits and meetings with existing and potential clients. -Conducting Project Finance/Management by properly evaluating the feasibility/risk of real estate (residential, commercial and construction) as well as contracting financing (Utilities and Infrastructure) and thoroughly assessing the related cash flow, asset coverage and contractual arrangements.-Attending executive committees and participating in the decision-making process regarding the nature and the size of the investments made while advising clients with regard to the optimal capital raising allocation (fixed income vs equity) and financing models.-Assisted in the restructuring of distressed corporate debts by assessing borrowers’ financial position and implementing action plan to protect the Bank's interest and to maximize value for all stakeholders. -Handling the origination and structuring of loan syndication and club deal transactions along with international lenders for the funding of major conglomerates.-Working on feasibility studies of local securitization deals and participating in several Preferred Shares issuance and road shows. -Setting yearly Budgets -in coordination with the Finance Unit- along with defining strategies in light of the market and the sector changing conditions and trends.-Following the Bank’s Compliance/Anti Money Laundering Guidelines and those set by the Regulatory Authorities namely the Bank’s Know Your Customer policies especially for High Risk Clients (Politically Exposed Persons (PEP), accounts with suspected transactions…).
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Banque Libano-Française
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Lebanon
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Banking
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500 - 600 Employee
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Senior Manager, Corporate Banking
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Jan 2010 - May 2010
Managed commercial loan portfolio with value of around US$ 150 M. Evaluated credit risk by performing feasibility studies, measuring repayment ability, analyzing historical and projected financial performance, studying business plans, and examining industry environment.Held meetings with existing and potential clients for the purpose of account monitoring and business development.Attended weekly Risk Committees pertaining to portfolio's credit proposals. Managed commercial loan portfolio with value of around US$ 150 M. Evaluated credit risk by performing feasibility studies, measuring repayment ability, analyzing historical and projected financial performance, studying business plans, and examining industry environment.Held meetings with existing and potential clients for the purpose of account monitoring and business development.Attended weekly Risk Committees pertaining to portfolio's credit proposals.
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National Bank of Kuwait
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Kuwait
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Banking
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700 & Above Employee
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Senior Manager, Corporate Banking
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Sep 2009 - Dec 2009
Responsible for managing credit relations with total portfolio value of US$ 500 M. Evaluated credit risk for debt seeking corporate accounts by analyzing fundamental, performing financial statement/ ratio analysis, feasibility studies, project finance/ cash flow projection analyzing future financial performance as well as evaluating economic data to recommend portfolio allocation. Prepared credit applications for submission to credit committee according to banks policy and requirements including proper assessment of risk.
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Gulf Bank
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Kuwait
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Banking
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700 & Above Employee
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Executive Manager, Corporate Banking
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Nov 2006 - Oct 2009
Managed corporate portfolio with total value of US$ 400 M, covering the trade and contracting sectors, generating yearly profits of more than US$ 25 M in interest and commissions. Evaluated credit risk for debt seeking corporate accounts by analyzing fundamental, performing financial statement/ ratio analysis, feasibility studies, project finance/ cash flow projection analyzing future financial performance as well as evaluating economic data to recommend portfolio allocation. Prepared credit applications for submission to credit committee according to banks policy and requirements including proper assessment of risk.Attended executive committees and participate in the decision-making process regarding the nature and the size of the investments made.Initiated new relationships in an increasingly competitive environment within the context of an aggressive corporate growth objective set forth by the bank and towards ensuring that profitability goals are fully achieved.
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Banque Libano-Française
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Lebanon
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Banking
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500 - 600 Employee
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Credit Analyst
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Nov 2000 - Sep 2006
Managed commercial loan portfolio with value of around US$ 90 M (risk analysis, client’s contact, accounts monitoring, attending committees…). Evaluated credit risk by performing feasibility studies, measuring repayment ability, analyzing historical and projected financial performance, studying business plans, and examining industry environment.Engaged in loan recovery duties related to several doubtful clients, saving more than US$ 10 M to the bank.Proposed solutions to potential problematic accounts by forecasting clients’ financial capabilities. Implemented them after the approval of the credit committee, resulting in 12% less problematic accounts.Designated by top management to give seminars on credit risk analysis, and development of various lending products. Prepared quarterly reports to CAI describing the “Credit status” of the Bank’s major clients.
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Education
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2005 - 2008
CFA Institute
CFA (Chartered Financial Analyst), Chartered Financial Analyst -
1996 - 1999
American University of Beirut
Master, Money & Banking -
1992 - 1995
Lebanese American University
Bachelor of Business Administration (B.B.A.), Placed on Distinction and Honor’s lists. -
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Carmel St Joseph
French Baccalaureat
Community
