Abdelmajid Amine

– Serve as a consultant with ExWorks to assist ExWorks in marketing ExWorks' products and services; as well as, identifying and securing prospects for ExWorks' products and services in the country of Morocco. Those potential prospects covered by this Agreement and thus eligible for compensation from ExWorks to Amine are contained in Exhibit A,

– Non Financial Facility with 58 staff, over $10 million turnover – Upgraded management – Training of 8 executives on how to reach financial strategic objectives – Assessment report and procedures Creation and compilation of 5 year business plan/and finance procedures

– Trained 25 staff on micro credit reporting – Reporting on how Sanabil reports data to the world bank CGAP system – Training of staff on development of business by enrolling mores MFIs from the Arab world and consequently generate more cash and become sustainable, instead of depending from IFC grants

– Ensure continued superior loan monitoring and reporting standards, upgrading procedures as required; assure that all regulatory requirements are observed; – Propose and implement in coordination with the Managing Director all new business development strategies; – Initiate and write proposals requesting funding for targeted SME loan fund programs and conduct follow-up; – Oversee issue identification and supporting documentation preparation in connection with all Advisory Committee and Shareholder meetings; – Design and advise on all internal USAID/Tijara reports regarding ICF- SME and maintain principal contact responsibilities; – Coordinate with ICF-SME senior management, as needed, to achieve business development, operational and profit targets; facilitate same as required under USAID/Tijara procedures; – Oversee Development of ICF-SME's Annual Project Work Plan, Business Plan, Annual Report and other studies or analysis as needed from time to time; – Ensure accurate and timely submittal of all publicity documents such as brochures, annual reports, event specific publicity, website updates, etc. Facilitate eventual ICF-SME relocation from the compound to centralBaghdad; and coordinate activities with SME Banking Component and take on other tasks as assigned from time to time; – Participate in capacity building component loan officer training program and oversight subcontract; – Help with oversight of the IVGS program; and help perform general administration of the component

– IMMDF is a not-for-profit commercial lending organization that operates exclusively in Iraq. It provides commercial loans between $35,000 and $5,000,000 to privately owned Iraq companies in Iraq. – The organization's goal is to provide loans to SMEs in Iraq that would not otherwise be able to secure financing on reasonable terms as a means of stimulating employment growth and the reconstruction Iraq. Main Tasks: – Identifying, developing, structuring and contributing to implement qualifying credit projects. – Manages a portfolio of loans: Carrying out credit risk assessments, monitoring the performance of loan and client performance – Take necessary action to develop, implement and monitor borrowers – Prepare and submit proposals of initiatives to the general manager – Conduct meetings with borrowers, existing and potential – Any other activities in structured by the General Manager – Reduce the credit ceiling from $5 Million to $2,5M – Supervise a team of 6 Loan Officer – Reschedule a non-performing loan portfolio of $ 18 Million – New loan of $16 Million Monitor a portfolio of $32 Million – Reorganise credit approval procedure – Establish credit screening system and pre-approval procedure – Bargain with client reschedule conditions

– Manage the bank on a daily basis, Manage the staff over 500 persons, Lead six committees (credit, marketing, saving, personnel, audit) – Establish cost accounting system by department-up grade general accounting – Decreased the operating expenses by 30 per cent on a year. – Increase the client portfolio by two. Save the bank from bankruptcy by reaching profit. – Establish a budget system for each direction – Write procedures for staff appraisal, write job descriptions, establish work objectives and training plan, Develop carrier plan for the staff – Make reports on a weekly basis to the headquarter – Upgrade the bank in less than a year instead of three years forecast? Deal with local authorities (central bank, ministry of finance, ministry of justice) – Manage the bank properties including buildings and shares in other corporate – Risk Management: Establish credit committee; lead the credit committee. Wrote credit manual procedure. Train the credit staff – Strategic Planning: Wrote a five-year strategic plan, Approved strategy by the board. Adjust the strategy after 2-year implementation – Human Resources Management: Staff appraisal 360 Degree Method. Human resources hand-book. Training Plan. New chart of organization

– Serve as financial advisor to major development projects (Micro Finance Project $16 Million, New Enterprise Development $45 Million, Women in Business $23 Million, SMEs Guarantee Fund $32 Million) throughout Morocco; received Meritorious Honor Award in June 1997 for outstanding initiative and recovery of over $600,000 in program resources. – Identify and establish clear financial benchmarks for measuring effectiveness of programs. Identify needs and arrange for financial reviews of organizations that receive USAID funding – Manage loan guarantee funds provided by Moroccan loan recipients, a collateral account of over $15 million deposited by USAID in Citibank – Prepare program budget and cost estimates, annual implementation and financial plans, and various financial status reports. Take the lead in reviewing and resolving financial issues, such as payments, accruals, end-use verification, and disposition of USAID-financed assets

– Managed loan files: Working capital-investment-import and export credit files – Housing and hotel loan specialist Implemented bank policy on marketing, human resources, procurement and contracts – Dealt with the bank stakeholders – Supervised a staff and team of 35 persons

– Provided courses to banking students; both students and teachers are professionals working in the banking sector. (Courses provided: Accounting-commercial Law- Financial Mathematics- Forecast results)

– Supervised the work of the division by leading a team of professionals in carrying out the functions of the division – Ensured independent recording and reporting of treasury capital market operations so that the managerial decision-making needs of the department are adequately met – Provided an independent monitoring and analysis of treasury capital market related activities to manage financial and operational risk associated with such treasury operations – Worked with internal auditors to develop approaches to measure the financial and operational risk of treasury capital market activities; ensured that relevant systems are operated and maintained effectively; spearheaded development, implementation, and enhancement