Elias Karam

• Writing the business plan for the European Proposals (Innovation Fund, EHB, CBE, CBA, ADEME, PCI, LIFE) • Financial modeling of the projects to determine the eligible cost that should be asked from the European Commission • Due Diligence on the numbers, to enforce coherence with EU regulations • Study of the applicants’ financial statements to determine their financial stability, and their ability to conduct the project • Determine the financing scheme with which the project will be supported during the construction and operation period (balance between debt, equity, and public support from the EU) • Communication with the clients to explain the aspects of the grants and the modality of application • Excel tutor for PNO employee • Building an automated timesheet that can serve the project participation that PNO is a coordinator • Building the budget for innovative projects such as Carbon Capture, Hydrogen production, renewable plastic production, renewable energy production, tire recycling, carbon storage & and transportation • Assist in the CO2 allowance calculation discussion to determine the forecasted price • Assist in the discussion between the shareholders of the innovative projects to determine the modality of ownership regarding the CAPEX and the task to be performed in the project, in addition to building the risk matrix and its mitigation plan Clients: Total, CRH, Holcim (Belgium, Bulgaria, Romania), Lafarge France, Heidelberg (France, Belgium), Rosi Solar, Michelin France, Elyse Energy, Air Liquide France, Ionity, Carbon Sola

• Help to provide accurate, relevant, timely financial & non-financial analyses and figures (latest estimates, budget, actuals) to the Business (commercial team) on monthly basis. • Present and communicate financial results and analysis to the commercial community • Support business leaders in building strategic scenarios, business plan simulation, and business cases for investment • Participate in the periodic closing process • Develop key ad hoc or recurring analysis that will help commercial managers to take the right decisions

• Analyzing the group P&L, assessment of the weaknesses and identifying the action plan to increase the company profitability and efficiency. • being part of the team, leading the communication between the different departments within the company in order to ensure a successful implementation of various projects (HR, Financial and managerial transformation) • helping in building the career path structure in the company in order coop with the acquisition, as well as the integration of the recently acquired companies • Helped in creating systems to evaluate the success of the adjustments implemented, and present the findings to the relevant parties • Assist in the problems solving found during the analysis • Conducting a deep dive into the group P&L and financial KPIs going from Zone level to the Sub-Division level, in order to identify and locate the problem.

IRC is a non-profit humanitarian organization providing relief, rehabilitation, protection and resettlement services, and advocacy for refugees. My tasks are summarized: • Implementation of quality assurance policies and procedures in West African countries. • Assessment of adequacy of quality assurance standards. • Collect, compile and analyze statistical quality data to identify areas for improvement. Develop, monitor corrective and preventive actions. Monitor risk management activities. • Prepare reports and communicate results with supply chain managers and country directors.

Abington Advisory is a French consulting firm. It is a diversified job that involves assessing business risks and developing appropriate mitigation processes through detailed financial statement analysis, in addition to multi-method business valuations (DCF), Asset Base, Multiple, etc.) according to customer needs, as well as knowledge of SAP BPC Software. In more detail, my tasks: • Mission: Business plans, financial modeling and Excel tutoring  Excel tutoring for trainees and new employees to build advanced financial models for multiple MENA clients  Development of Excel financial modeling and creation of detailed budgets, cash flow, income statement and balance sheet using complex Excel modeling tools for calculating sustainability indicators, conducting sensitivity and risk analyzes as well as evaluating companies using the Gordon Shapiro method. Extraction and analysis of KPIs  Development of accounting requirements for projects in the EM countries and GCC countries, including: Mapping of accounts between IFRS and the company's chart of accounts. Update the company's trial balance to comply with international standards  Project management to meet contract requirements and carry out financial transactions  Management of the presidential palace project UAE.  Writing reports that detail the clients business plan and financial reports  Building Models that coop with the clients needs and requirements Main clients: National Plus (governmental institution, fidelity card), Tilermade – Ceramics Market (Lebanon, UAE, Saudi Arabia), South Sudan (Real Estate) Al Mansoory - UAE Construction, Carré d’art –Presidential Pala Abu Dhabi (Furnishing)

• Control all financial accounts (banks, credit union, seniority report of customers, calculation of employee allowances, budgeting) • Preparation of the company's financial report for the end of the year.