Management Real Estate

CHRISTOPHER J. CHAMMAS Phone: 619-***-****

Email: *******.*****@*****.***

I NVESTMENT F INANCE

Investment Analysis / Asset & Portfolio Management / Private Equity / M&A

Talented, intelligent and highly energetic professional offers hands on experience and progressive advancement in various

areas of investment banking, acquisitions, private equity, valuation, business planning, financial analysis, risk assessment

roles, and corporate financing.

Proven ability to step into new environments, master challenges and make immediate contributions. History of delivering

profitability gains through proficiencies in business and investment analysis, budget and projections structuring, portfolio

and cash management, in addition to financial control & risk assessment.

Combine strong mathematical mind with exceptional interpersonal skills and multicultural experience to effectively evaluate

all aspects of an investment before tying in to a broader scope.

Outside the box thinker with a commitment to finding solutions and executing strategies.

Leverage strong communication and financial analysis skills with ability to create detailed economic feasibility studies,

valuation reports and market analysis narratives required for smart business decisions.

Respected by colleagues and subordinates for high level of integrity, unrivaled work ethic and ability to consistently drive

strong P&L results.

Hold BS in Quantitative Economic Analysis from Tufts University with a minor in Entrepreneurial Leadership studies.

Fluent in English, French, Arabic, and Spanish.

Passed the CFA exams levels I and II on first attempts in December 2011 and June 2012 respectively.

C ORE C OMPETENCI ES

Asset management Corporate Banking Economic Evaluation

Private Equity Joint Venture Negotiations Venture Capital

Portfolio Management Strategic Business Planning Mergers / Acquisitions

C AR EER P ROGR ESSIO N

BANK OF SHARJAH – Dubai/Sharjah, United Arab Emirates 2009 to

2012

(Corporate Bank with $5 billion+ in Assets Under Management and $1bln in non corporate Investments)

SENIOR INVESTMENT ANALYST (2012)

INVESTMENT ANALYST (2010 to 2012)

PROJECT CONSULTANT / BUSINESS PLANNING (2009 to 2010)

Charged with all analysis required for the Bank’s potential new investments which include (but are not limited to) listed equities

in the UAE, Middle East, Europe & the USA, private equities in the MENA region and Europe, MENA government and

corporate bonds (vanilla and convertible), and real estate investments.

In addition to new investments, I was charged with ongoing analysis for all current investments within the $1bl portfolio as well

as evaluated exit strategies for problematic real estate investments.

Another significant role was taking part in the managing of the Bank’s largest individual investment: the acquisition of Emirates

Lebanon Bank (BNP Pariba’s Bank in Lebanon). I was tasked with assessing the risks involving corporate financing requests of

over $3M coming from the subsidiary; in addition, I dealt with creating, structuring, and updating all strategic concepts for

ELBank including general strategy and branding, asset allocation, budgeting, internal structuring, and financial projections until

2016 including stress tests. The financial projections were essential in evaluating the current year versus budget and used as a

going forward tool for global strategy based on asset allocation shifts, profitability scenarios, loan portfolio structures, sovereign,

corporate and interbank rates assumptions, and political outlooks. Managing asset allocation based on liquidity needs over term

periods, currency needs (dollar vs. Lebanese pound), profitability targets consistent with budget and risk tolerance derived from

yields, political stability and economic stability were additional topics that needed to be managed. The above tasks were

paralleled with regular industry research comparing ELB to its peers in order to refine strategy and improve asset management of

the subsidiary.

Majority of ELBank related duties conducted in French and Arabic.

Following proven success during my first role as a business consultant for the Islamic Stock exchange and later as an investment

analyst for the Bank’s portfolio, I was requested by the risk department to restructure the counterparty risk rating system for the

corporate portfolio. The new quantitative structure was essentially based on the concept that exposure to one counterparty can

and should have multiple risk ratings, leading to different provisioning requirements for the Bank’s profitability, and thus a

different net profitability figure, while still improving the assessment process for asset quality evaluation.

Finally, upon successful completion of the risk rating project, the head of internal audit and compliance tasked me to be in charge

of producing all Central Bank and Basel II compliance reports which include (but are not limited to) Quarterly Pillar I, yearly

ICAAP, Pillar II & III, and Board/Committee risk reports. Tasks in coordination with the head of financial compliance included

regular stress testing on the Bank’s books, extensive accounting adjustments and analysis, and dealing with the Bank’s disclosure

requirements being a listed company.

Key Achievements:

Contributed to net profit improvement of 50% for ELBank by improving asset allocation and resisting downward

pressure on corporate loan rates while managing risks.

Reduced costs of funds of ELBank by consistently reviewing deposit and loan rates as well as costs and potential reduction

options.

Successfully completed a leveraged buyout transaction of $100M+ from both the equity and debt sides of the deal.

Improved problematic assets essentially regarding real estate investments valuation renegotiation.

Completed business plan for new venture of a start up subsidiary bank in Paris including overall strategy, asset

allocation, profitability sources, balance sheet, structure cash flow projections, foreign currency requirements, loan and asset

term structure, interbank placements, head office support, deposit sources, HR structure, staff compensation, operational

costs, rate analysis and French regulations to determine break even for year three and asset size of approximately $500M.

Project was conducted and pitched to the Central Bank of France (task conducted in French).

Created the business plan for new venture of a start up JV: The Islamic Stock Exchange, an intensely confidential

project requiring seven months to complete.

Served as quantitative expert for the restructuring of entire risk rating system by using the new structure to increase

assessment accuracy, and to fairly reduce provisioning requirements and directly improve the net profit figure; fully

functional as of January, 2012.

Managed numerous risk management and financial control activities including developing risk reports for Board

Committees, Quarterly Pillar 1 sheets (credit risk, market risk, operational risk) and creating both annual ICAAP and Pillar

II reports (concentration risk, liquidity risk, interest rate risk, stress testing

R ELEVANT I NTER NSHI PS

Corporate Banking Intern Bank Audi, Beirut, Lebanon (6.2008 to 7.2008)

Completed six week comprehensive training in all aspects of credit reporting. Assisted Corporate Banking Team in development of

credit report sent to management for approval on funding requested. Performed analysis including financial statement analysis and

debt coverage capabilities, company specific structure, market of operation, competition, management, and SWOT assessment.

Offered full time position upon conclusion of internship.

Intern – AXA Advisors, San Diego, CA (1 2008 to 2.2008)

Concluded eight week internship program designed to gain knowledge in estate planning, life insurance, client prospecting and

client/portfolio management through study and shadowing of three advisors and one district manager.

Portfolio Management Intern – Merrill Lynch (Bank of America) – Dubai, UAE (6.2007 to 7.2007)

Completed four week training in company services/products including options/option strategies, equities, funds, ETFs and structured

products. Engaged in competitions to gain hands on experience in portfolio creation, equity trading and bond management.

Completed an additional four weeks shadowing and assisting a team of three with portfolio management, creation of new products,

and researching new opportunities in emerging markets. Played lead role in developing basket of covered call options, subsequently

implemented for several clients.

A CAD EMI C A CHI EVEMENT & A CTI VI TI ES

Bachelor of Science, Quantitative Economics, Minor Entrepreneurial Leadership

Tufts University, Boston, MA

Member, Tufts Financial Group (TFG) in charge of creating and running Tufts Alpha Fund, an investment fund managed by student

analysts.

Created marketing and sales plan for an investment banking boutique (“Mirus Capital”) for semester during Marketing and Sales class

which involved meeting weekly with Board of Directors and writing progress reports for the professor, a non faculty staff member

who is a Venture Capital Managing Partner. Team chosen by company to help rebrand them in order to gain market share in other

fields.

Big Brother / Big Sister Volunteer

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