Registered Representative Credit Analyst

Donald Thomas Kahrs

UK Mobile: 078**-******

E-mail: *******@****.**

SUMMARY

International Banker with extensive Emerging Markets expertise in Corporate and Financial Institution / NBFI Client Relationship Management, Portfolio Management, Corporate Lending, Cash Management and Securities Custody Services, Sovereign Risk Assessment, Credit Risk Analysis, Counterparty Credit Limit Application / Approval Administration and Remedial Non-performing Loan Work-out Management.

Leading roles and active participation in formal internal Portfolio Credit Examinations and Strategic Corporate Planning.

Extensive experience in cross-border origination, negotiation and distribution of complex international Structured Trade Finance / Forfaiting Transactions as well as Securitised Credit Facilities and Debt / Loan Syndications gained with four major international banks and an international credit rating agency.

New Business Development and Negotiation / Client Relationship Management:

Formulating and implementing / achieving results-oriented marketing strategies and customer calling programmes to deliver comprehensive range of Capital Markets / Structured Trade Finance products and services to existing and prospective corporate and FI / NBFI clients within ambitious budgetary goals and clearly defined target markets.

Credit Analysis / Risk Management:

Completed Citibank’s and American Express Bank’s advanced corporate credit seminars.

Completed Continental Illinois Bank’s corporate credit analysis and sovereign risk assessment training program. Lending / Credit Officer with four major international banks.

Chief Credit Analyst and Chairman of the Credit Rating Committee with an international credit rating agency.

Business Negotiation / Transaction Documentation:

Extensive experience in structuring and negotiating complex international Credit Facilities and Trade Finance transactions with corporate and FI / NBFI clients as well as internal /external legal counsel.

Conversant with related legal and financial documentation / facility agreements governing these transactions including ISDAs and GMRAs.

BUSINESS EXPERIENCE

April 2015-April 2016

United Bank Limited UK

London, UK

Senior Manager-Credit Risk / Head of Middle Office

Responsible for credit analysis and approval as well as oversight and administration of £500 million portfolio of primarily sub-investment grade sovereign, corporate, FI & NBFI syndicated loans and fixed income securities as well as trade finance credits.

January 2014-April 2015

Numu Consulting

Dubai, United Arab Emirates

Management Consultant

Responsible for leading / participating in client-driven corporate strategic assignments in the international banking / financial services sector throughout the MENA (Middle East / North Africa) region.

October 2011-December 2013

Returned to USA to attend to important family issues, which have now been resolved enabling me to resume my career in international banking and financial services.

The Royal Bank of Scotland N.V.

Amsterdam, The Netherlands

October 2010-September 2011

Senior Credit Risk Manager

Emerging Markets - Russian Federation / CIS / CEE

Responsible for credit risk management of a multi-GBP billion portfolio of nearly 80 counterparties based in the Russian Federation and the CIS including Kazakhstan, Uzbekistan and Azerbaijan. Counterparties included Sovereigns, central banks, ministries of finance, major public and private sector corporates, state-owned financial institutions, private sector commercial and investment banks as well as NBFI’s / broker-dealers.

Write in-depth, formal annual credit reviews / new transaction recommendations in favour of Sovereign counterparties as well as each counterparty within the portfolio and ensure that requisite credit approvals are in place.

As a key component of the overall risk management function, conduct regular due-diligence business trips to Russia and the CIS to meet with senior managers of counterparties within the CEE & CIS credit portfolio. Daily interaction with a range of RBS business units, which seek specific credit approvals for a wide variety of plain vanilla as well as more complex transactions.

Capital Intelligence (CI) Limited

Limassol, Cyprus

Emerging Markets Credit Rating Agency

August 2007-October 2010

Senior Credit Analyst

Responsible for writing credit rating reports on financial institutions and corporates based in Kuwait, Saudi Arabia, the United Arab Emirates and Qatar. Member of CI’s Bank, Corporate, Sovereign and Corporate / Bond Ratings Committees.

Independent Financial Advisory and Consultancy Services

St. Petersburg, Russian Federation

January 2006-August 2007

Provision of independent financial advisory and related consultancy services to international financial institutions and private investors active in global emerging markets with a focus on Russia and the CIS.

MOSCOW NARODNY BANK, London Head Office

(known as VTB [Vneshtorgbank] Capital as from 2006)

Senior Manager / Structured Finance and Syndications Department

1998- November 2005

Senior Manager responsible for pro-active line management of substantial portfolio of Russian / CIS, Central and Eastern European and Central Asian structured trade finance / forfaiting transactions and syndicated / securitised earning / loan assets. Responsible for driving credit approval process and ongoing monitoring of this high-risk, but diversified fee and interest-earning portfolio.

Travelled extensively throughout Russia / CIS, Central / Eastern Europe and Central Asia to conduct new business development negotiations with senior management of existing corporate and FI / NBFI clients and prospective counterparties. Generated USD 4 million in annual pre-tax profits from this desk.

CAPITAL INTELLIGENCE (CI)

Emerging Markets Credit Rating Agency

1995-1998

Cyprus Head Office / Senior Credit Analyst / Member of Credit Rating and Executive Committees

Hong Kong Branch / Asia Pacific Region Head-Senior Marketing Manager

Asia Pacific Region Head and Senior Marketing Manager based in CI’s Hong Kong branch (1996-1998). Responsible for marketing CI’s full range of credit analyses and rating products and services throughout the Asia / Pacific region, including the West Coast of the USA.

Senior Credit Analyst / Arabian Gulf-Mediterranean-South Asia Team Leader based in CI’s Cyprus Head Office (1995-1996). In charge of sovereign ratings as well as financial analyses and credit ratings for corporates and financial institutions based in the Gulf Co-operation Council member states, Morocco, Tunisia, Egypt, Greece, Lebanon, India, Pakistan and Sri Lanka. Personally produced analyses on Bahraini and Kuwaiti rated entities. Managed team of eight high-calibre US / European bank trained bank analysts. Permanent member of CI’s Credit Rating and Executive Committees.

MERRILL LYNCH INTERNATIONAL BANK (MLIB)

Private Banking Group, Bowater House, Knightsbridge, London

Private Client Relationship Manager

1994

Responsible for new business development and pro-active management of substantial portfolio of MLIB’s High Net Worth Individual private banking clients’ assets. Completed MLIB’s formal in-house private banking training programme. Passed the NASD’s Series 7 Registered Representative examination with a score of 92%.

CAPITAL INTELLIGENCE (CI)

Chief Analyst / Chairman of the Credit Rating Committee, Cyprus Head Office

1990–1993

Chief Analyst and Chairman of the Credit Rating Committee in charge of production of widely acclaimed and professionally recognised sovereign credit ratings and financial analyses and credit ratings of corporates and international financial institutions based in the Middle and Near East, North Africa, Central and Eastern Europe, the Far East and South East Asia.

CI’s subscribing clients included a diverse mix of the world’s top 500 commercial and investment banks as well as the World Bank Group (IBRD and IFC), the EBRD, the Asian Development Bank along with OECD and developing country Central Banks and major multi-national corporations, all of which used CI’s in-depth financial analyses and credit ratings in conjunction with internal risk assessment of counterparties and establishment of related credit and trading limits.

Led CI’s quarterly advanced credit analysis training seminars for prime European, North American, Middle Eastern and Asian subscribers.

Managed a high-calibre team of ten bank credit analysts, all of whom attended major US / European bank formal credit training programmes.

Member of CI’s Executive Management Committee responsible for setting corporate policies, strategies, goals and objectives.

Extensive interaction with the international financial press.

CITIBANK, N.A.

Vice President, London Branch

1987–1990

Financial Institutions Group, Asia / Pacific Team. Credit Officer and Senior Relationship Manager responsible for marketing Citibank’s full range of banking and treasury products and services to major Japanese and other Far Eastern / Australasian banks and securities houses. Generated USD 4.5 million in annual pre-tax profits from this desk.

AMERICAN EXPRESS BANK LTD

New York Head Office & London Branch

Assistant Vice President

1984-1987

Scandinavian Region Head / Country Manager / Relationship Manager based in London Branch (1986-1987) responsible for business development with corporates and financial institutions based in Scandinavia, including their UK subsidiaries.

Scandinavian Deputy Area Head / Country Manager / Relationship Manager based in New York Head Office (1984-1985) responsible for business development in Sweden, Denmark, Norway, Iceland and Finland.

CONTINENTAL ILLINOIS NATIONAL BANK AND TRUST COMPANY OF CHICAGO

Chicago Head Office and Bahrain Offshore Banking Unit

Assistant Vice President and Deputy General Manager

1979- 1984

Assistant Vice President and Deputy General Manager, Bahrain Offshore Banking Unit (1983-1984).

Regional Manager responsible for credit administration and business development in Saudi Arabia and Gulf Co-operation Council countries with domestic and joint-venture corporations, central banks and financial institutions.

Banking Officer, Chicago Head Office (1979-1982) responsible for credit administration and business development in India, Pakistan, Sri Lanka, Nepal, Bangladesh and Afghanistan.

EDUCATION

New York University (1977-1979)

Master of Business Administration

Major: International Corporate Finance

Thesis: Country Risk Assessment

University of Colorado (1972-1976)

Bachelor of Arts

Major: Anthropology

PROFESSIONAL QUALIFICATIONS

UK Registered Member of the Securities and Futures Authority

US NASD Registered Representative (Series 7)

PERSONAL

US Citizen / UK Residence-Employment Visa (“Indefinite Leave to Remain” visa granted by UK Home Office in 1986).

Interests: International current affairs, photography, travel, reading, racquet sports, fine arts and music.

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