Financial Advisor Credit Risk

ALAIN PAUL YVES E. LEBRETON

S E N I O R F I N A N C I A L S E R V I C E S P R O F E S S I O N A L

corporate banker senior relationship manager credit risk manager financial advisor *****.*.********@*******.***

+33 6 86 02 12 41 +971-**-***-****

Paris, France Dubai, UAE

www.linkedin.com/in/alainlebreton

French citizen

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PROFILE SUMMARY

Seasoned and highly motivated Financial Services Professional (Corporate Banker, Senior Relationship Manager, Senior Credit Risk Manager, Financial Advisor) with a strong experience across the Middle East and Europe.

Expert in assessing the creditworthiness of commercial transactions and delivering sound risk management solutions.

Client focused, committed, and creative with a proven track record in building strong relationships with clients and stakeholders.

Skilled in the origination of high standard financing transactions to support sustainable and profitable portfolio growth (Syndicated Loans, Export Credit Agency & Cash Flow backed financing, Project Financing, Working Capital & Transaction Banking financing, Debt Restructuring, etc.).

Trilingual (English, French & Arabic with notions of Spanish and German), internationally mobile, with solid interpersonal, communication and organizational skills, positioning for the next level success with a well-reputed organization. CORE COMPETENCIES & SKILLS

Corporate & Commercial Banking

Credit Risk Management

Relationship Management

International Trade Finance

Wholesale Banking

Business Development

Investment Banking

Portfolio Management

Financial Analysis

Corporate & Project Finance

Mergers & Acquisitions

Treasury Management

Commercial & Risk Acumen

Leadership and Motivation

Quantitative & Analytical Skills

Team Management

Negotiation & Communication

Conflict Management

EXPERIENCE

Senior Relationship Manager – International Trade Finance BNP Paribas May 2023 - Present

2023 World’s Best Bank (Euromoney) Paris, France

MAIN RESPONSIBILITIES

Handling the bank’s largest global trade revenues generating portfolio of Premium French and European relationships in the main fields of transportation, defense and pharmaceuticals with complex international businesses (Europe, Middle East, Asia, America, Africa & Oceania)

Developing personalized commercial and advisory relationships with various clients/partners, institutional organizations and intermediaries

Managing and building customers’ loyalty and prospects’ relationships by advising a range of suitable products and services

Structure and setup a diverse range of targeted products and services dedicated to the international trade finance activities

Hands-on contribution to the development of the profitability of the business center while optimizing the long-term clients’ financial strategy. KEY ACHIEVEMENTS

Structured substantial & complex international trade deals (in hundreds of MEUR) financing projects in several key businesses & geographies.

Acted as a trusted advisor in resolving intricate missions involving structural, sovereign and critical financing issues

Advised and lead the bank in global club deals with global partners with premium clients in several target areas Founder & Managing Director

Alain Paul Yves Lebreton – DDA (DMC) Mar 2019 – May 2023 Corporate Financial Advisory / Market Research & Analysis Dubai, United Arab Emirates MAIN RESPONSIBILITIES

Deliver strategic advice across a variety of financial products and services (debt & cash management, investments, M&A, loans etc.)

Assess and advise on overall financial picture, understand the needs, and develop solid financial plans and solutions

Conduct cost and benchmarking analysis - Guide clients towards profitable and secure financial decisions

Keep abreast of new industry’s trends and research market to back up financial consulting KEY ACHIEVEMENTS

Provided a full study on the 5 years expansion plan of a GCC educational services provider with a network increasing from 20 to 50 locations

Counselled private investors from the USA & the GCC on the sovereign debt, the fiscal/political dynamics of governments in the Levant

Advised on a Private Equity deal for the expansion of a regional confectionary factory through a $35 MM capital increase

Led discussions for the assets’ acquisition of a Middle Eastern plastic utensils production company by UAE investors for $20 MM

Defined the comprehensive business plans (strategy, finance, platforms & marketing) for the launch of 3 start-up applications

Configured the UAE based financial unit of a Swiss/African Oil, Gas & Mining company as per their trade and project finance activities

Structured the business plan, CRM setup, KYC/AML structure & the cash management services for a Fintech/e-banking services startup.

6 months assignment as Chief Financial Officer for a company in the agrifood business in Dubai

Quality Controller Consultant & Branding Supervisor on deliverables pertaining to the Saudi Formula 1 Grand Prix in Jeddah (Jan-Mar 2023) ALAIN PAUL YVES E. LEBRETON

S E N I O R F I N A N C I A L S E R V I C E S P R O F E S S I O N A L corporate banker senior relationship manager credit risk manager financial advisor 2 / 4

Head of Unit – Senior Credit Risk Manager (Corporate & Commercial Banking) Bank Audi SAL Sep 2016 - Dec 2018

The 1 Lebanese/regional banking Group in terms of assets Beirut, Lebanon Bank Audi France SA Mar 2018 - Sep 2018

Interim Head of Credit Risk Management for a 6-month assignment Paris, France MAIN RESPONSIBILITIES

Credit Risk Assessment (France, Jordan, Qatar, and Egypt Desks)

Timely delivered Credit Risk Decisions assessing and underwriting credit proposals submitted by the regional entities’ desks

Led a team of 8 Senior Associates & Portfolio Managers to provide analysis & recommendations as per the final Credit Risk Opinions

Evaluated impacts of explicit events in regular stress testing (4 per year) or targeted assessments, on portfolios or specific clients Group Credit Policies and Procedures

Successfully designed the bank’s new Credit Policies & Procedures reflecting substantial additions and amendments

Tailored solutions to the challenges facing the prompt implementation of the new policies and resolved complex issues

Planned field visits to Group entities to train more than 200 colleagues for a successful deployment of the updated policies Credit Portfolio Maintenance, Business Development & Quality Management:

Enhanced & efficiently redesigned credit risk management workflows, scorecard analytics and credit approval processes

Developed 5 templates for detailed credit proposals as per economic sector, Target Market, Risk Acceptance Criteria & Risk Appetite

Monitored results of KPIs & reports outcome while enhancing internal controls to preserve governance frameworks & assets at risk

Conducted semi-annual on-field Group Entities’ credit portfolio reviews, analyzing their quality and the achievement of the set targets

Identified & implemented Early Risk Indicators reporting (portfolios concentrations sector, industry, economy & credit quality) Team Management (Training, Support, Coaching & Supervision)

Supervised the tasks of the Senior Associates & Portfolio Managers

Coached, guided, and motivated the team members

Provided all necessary support and training, fostering the credit analysis, a culture of risk acumen, organizational & management skills KEY ACHIEVEMENTS

Increased the productivity of the assigned team of Senior Associates & Portfolio Managers by an outstanding 30% in a span of 9 months

Developed & rolled out a structure encompassing 15 Target Market & Risk Acceptance Criteria (TM/RAC) and Early Warning Signals (EWS) /Ratios

Improved the quality and accuracy of the risk ratings for the covered portfolio of clients by roughly 85% in just 1.5 years

Delivered a fully revamped Group Credit Policies & Procedures in a timeframe of 6 months

Selected among my peers as the Interim Head of Credit Risk with Bank Audi France SA from March until August 2018 Vice President – Senior Relationship Manager (Corporate & Investment Banking) Citibank N.A. Jan 2008 - Sep 2016

A full branch of Citibank New York Beirut, Lebanon MAIN RESPONSIBILITIES

Delivered full-fledged banking products & services to corporate clients in Lebanon, UAE, other GCC countries, Europe, and Africa

Oversaw a portfolio of leading groups in diverse sectors with BAU facilities of over USD 300 MM for projects, trade & working capital financing

Implemented corporate finance, investment banking, trade & treasury, and project finance structures through the bank’s country presence footprint

Deployed & matched the bank’s services through its network in 4 geographies: Levant, UAE & other GCC countries, Europe & Africa

Organized & financed the cross-border expansion of clients in the IT, energy, distribution, FMCG, waste management & real estate sectors

Structured several regional supplier financing solutions out of Citibank’s Dubai International Financial Center (DIFC) hub in the UAE

Mentored & coached a team of 5 Associates and Analysts, providing senior leadership in managing corporate relationships and credit risks controls KEY ACHIEVEMENTS

Grew the portfolio’s revenues, returns & share of wallet with a sound CAGR of 15%

Slashed portfolio’s costs of fund by safeguarding an optimal capital deployment illustrated by a RAROC of 65% vs. set threshold of 25%

Engaged negotiations for M&A deals for a total of circa USD 5.8 Bn in the IT, Energy, Real Estate and FMCG sectors in Europe, UAE the GCC & Africa

Involved in discussions for IPO deals for USD 5.0 Bn in the IT and Real Estate sectors in UAE and Africa

Funded the construction of several power plants with the IFC (World Bank) for USD 800 MM in Senegal, Kenya, and Ghana

Negotiated USD 400 MM ECA financing of new aircrafts and equipment with the national airline carrier

Designed and executed a USD 40 MM fuel hedging deal and a USD 20 MM carbon emissions/credits agreement with the same airline carrier

Initiated discussions for a USD 200 MM permanent fuel hedging structure with the Ministry of Energy

Structured the financing of a Mining project in Senegal through a syndicated loan for USD 80 MM

Led the discussions for a club deal debt restructuring of a major distribution group in the UAE & MENA region for up to USD 175 MM

Refinanced the debt of a UAE prominent private equity firm’s subsidiary for USD 150 MM Attention to details; Cross Selling; Strategic thinking risk assessment; compliance; rules; regulations; standards; improving asset quality; mitigate the risks; credit underwriting process; risk mitigation strategies; credit enhancements; risk-return; credit reviews; timely fashion; provision healthy portfolio; framework; appetite; risk tolerance; Monitor; sound credit ALAIN PAUL YVES E. LEBRETON

S E N I O R F I N A N C I A L S E R V I C E S P R O F E S S I O N A L corporate banker senior relationship manager credit risk manager financial advisor 3 / 4

Senior Relationship Manager (Corporate Banking)

Société Générale (SGBL) Jun 2004 - Jan 2008

A subsidiary of Société Générale Bank - France Beirut, Lebanon MAIN RESPONSIBILITIES

Steered business development activities and client servicing as trusted key point of contact

Upheld and enhanced a diversified portfolio of 83 groups/corporates with total facilities of over USD 250 MM within bank’s risk appetite

Identified opportunities for products cross selling, structured transactions, prepared & negotiated indicative term sheets/proposals

Led a team of 10 Credit Analyst to issue Credit Proposals, while nurturing a spirit of excellence, exemplarity, and ownership KEY ACHIEVEMENTS

Organized a large-scale syndicated financing for the setup of the biggest plant for construction materials in the Levant area

Involved in the execution of the merger deal between 2 leading local cement manufacturers

Structured the financing of several major real estate projects in Beirut

Financed the construction / expansion of one of the leading hospitals in Beirut Relationship Manager – Risk Manager – Corporate Credit Analyst BNP Paribas May 1998 - Jun 2004

A full branch of BNP Paribas - France Beirut, Lebanon

Relationship Manager (Jan 2003 - Jun 2004)

Risk Manager (Jan 2000 - Jan 2003)

Corporate Credit Analyst (May 1998 - Jan 2000)

EDUCATION

Master’s In Management (MIM) / Finance

ESSEC Business School 1996 - 1998

French curriculum “Grande Ecole de Commerce” (Graduate Business School – AACSB accredited) Paris, France

ESSEC’s Master’s degree ranks 2nd in France by the Financial Times Master of Engineering (Meng) / Civil

Saint Joseph University (USJ) - ESIB School of Engineering 1991 -1996

Ecole Supérieure d’Ingénieurs de Beyrouth Beirut, Lebanon

French curriculum “Grande Ecole d’Ingénieurs” (Engineering School) LANGUAGES

English, French & Arabic: Fluent (Spoken, Read, and Written with high proficiency)

Spanish: Intermediary

German: Beginner

RELEVANT CERTIFICATIONS & TRAININGS

Certificate of Qualification in Securities 2008

CISI (Chartered Institute for Securities & Investment) Beirut, Lebanon Intermediate Risk Applications, Level 1 & 2 2012

Citibank London, UK & Dubai, UAE

Derivatives Counterparty Credit Risk (DCCM) 2014

Citibank Dubai, UAE

Vice President Program 2015

Citibank New York, USA

Certificate of Qualifications in Financial Regulations 2016

CISI (Chartered Institute for Securities & Investment) -Banque Du Liban – ESA Business School Beirut, Lebanon ALAIN PAUL YVES E. LEBRETON

S E N I O R F I N A N C I A L S E R V I C E S P R O F E S S I O N A L corporate banker senior relationship manager credit risk manager financial advisor 4 / 4

PROFESSIONAL REFERENCES

Reference Name : Ghassan Salem

Job Title : Managing Director, Chief Country Officer

Company : Citibank, N.A.

Business Address : New York, USA

Mobile : +1-917-***-****

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

Reference Name : Mariam Zreik

Job Title : Commercial Manager

Company : BNP Paribas

Business Address : Paris, France

Mobile : +33 (6) 23 38 20 60

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

Reference Name : Sharad Gupta

Job Title : Partner & Senior Partner

Company : Fieldfisher Capital LLP, Angel Lane Partners

Business Address : Dubai, UAE

Mobile : +971 (50) 4227935

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

Reference Name : Said Alwan

Job Title : Investment Banking Associate

Company : Morgan Stanley

Business Address : London, UK

Mobile : +44 (7947) 915228

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

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