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Work Background
Founder & Principal Consultant – HA Global Advisory
HA Global AdvisoryFounder & Principal Consultant – HA Global Advisory
Apr. 2025LebanonProviding tailored consulting to NGOs, SMEs, and family businesses across MENA and North America. Delivered AI-powered feasibility studies and financial projections for expansion plans and loan approvals. Structured risk mitigation frameworks and internal controls for nonprofit clients. Advised on compliance with cross-border finance regulations and credit structuring.
Business Consultant
Cazle Mortgage, Inc.Business Consultant
Apr. 2024 - Apr. 2025Ottawa, Ontario, CanadaPrimary Duties & Responsibilities: Operational Strategy & Process Optimization: Analyzed and streamlined company workflows to enhance loan origination, underwriting, and closing efficiency. Financial Performance Analysis: Assessed revenue models, cost structures, and loan officer profitability to improve financial health and operational sustainability. CRM Implementation & Enhancement: Assisted the integration of Sales Force CRM from Rithom, ensuring seamless adoption and aligning system functionalities with business needs. Lead Management & Marketing Optimization: Contributed to the strategies of Velocify CRM to enhance lead tracking, improve conversion rates, and optimize marketing spend. Risk Assessment & Compliance: Evaluated risk exposure in lending operations and advised on compliance measures to mitigate financial and regulatory risks. Team Training & Empowerment: Conducted workshops and provided strategic insights to equip executives and loan officers with data-driven decision-making tools. Stakeholder Coordination: Contributed to bridge communications gaps between Cazle Mortgage and Rithom, ensuring smooth collaboration on CRM development, customization, and implementation.
Business Analyst Project Management
ABAAD - Resource Center for Gender EqualityBusiness Analyst Project Management
Feb. 2011 - Apr. 2025Furn El Chebbak, Beirut, Lebanon● Delivered end-to-end consultancy in business intelligence, data analysis, and enterprise process optimization. ● Defined and implemented critical financial and procurement policies that improved compliance and operational clarity. ● Facilitated policy understanding and adoption by conducting employee seminars, workshops, and internal conferences. ● Organized and led quality-focused audits to prepare client organizations for scalability and sustainable growth. ● Spearheaded the early warning alert system, ensuring timely identification, escalation, and resolution of operational risks. ● Participated in incident, problem, and change management audits, contributing to continuous improvement initiatives. ● Designed and maintained weekly quality dashboards and monthly high-risk reports, enabling senior management to make strategic decisions. Generated/ updated various status reports for the senior management team through weekly quality dashboard and monthly high-risk reporting
Advisor to shareholders
Investment Funds Securities SALAdvisor to shareholders
Oct. 2004 - Apr. 2025Hazmieh, Lebanon● Designed and implemented performance standards and strategic business plans to align with service delivery goals and evolving market factors. ● Oversaw operational workflows in strict compliance with organizational policies and procedures, driving measurable progress toward key business targets. ● Conducted preliminary assessments and documentation of asset proposals, ensuring accurate KYC compliance for liabilities-related products. ● Partnered with cross-functional departments to deliver consistent, high-quality service, reinforcing a culture of excellence. ● Specialized in serving premier clients, including High Net Worth Individuals (HNIs), corporates, and business units, strongly emphasizing cross-selling financial products such as insurance and mutual funds. ● Led the organization as a profit center head, balancing service excellence with credit risk management and strategic financial oversight to meet defined profitability goals.
Regional credit officer
Bank of BeirutRegional credit officer
Jan. 1999 - Oct. 2004South LebanonFollow the situation of risk customers and hold the various bill books (bills, letters of guarantee, letters of credit, credit files...) Promote and manage credit offers within the bank's defined guidelines. Establish and maintain effective work relationships with companies through a high degree of professionalism. Identify and address new lending opportunities.
Senior Credit Analyst
Banque libanaise pour le commerce SalSenior Credit Analyst
Jun. 1997 - Dec. 1998Beirut District, LebanonAnalyze customers credit files. Identify customers’ needs and recommend the appropriate financial offer. Gather data and documents regarding customer’s application filing. Conduct financial analysis, make recommendations and file the credit application.
Insurance Policies Auditor
MetLifeInsurance Policies Auditor
Mar. 1996 - Jun. 1997Ottawa, Canada AreaAudited Insurance Policies as contracted and managed by the Company's Branches in the region of Quebec, Canada.
Sales, Tax and Technician/ Auditor
Government of the province of Quebec, CanadaSales, Tax and Technician/ Auditor
Apr. 1992 - Mar. 1996Hull (Gatineau), Quebec, CanadaIdentify Taxpayers problems of fiscal and accounting nature through one- one meetings and phone calls; and assist them in finding proper solutions to solve their problems and regularize their relationship with the government.
Financial and administrative coordinator
International packingFinancial and administrative coordinator
Sep. 1989 - Nov. 1991Verdun, BeirutManage all kinds of data related to purchasing operations. Build and maintain a database in order to compare offers, and support and assist the purchasing decision process. Maintain all sorts of correspondence with overseas suppliers.
Credit Officer
Banque du Credit Populaire SALCredit Officer
Jan. 1986 - Sep. 1989Bickfaya, LebanonFollow the situation of risk customers and hold the various bill books (bills, letters of guarantee, letters of credit, credit files...) Establish line of credits after obtaining the approval of decision making committees. Review credit application and ensure their follow-up and renewal.

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Financial Strategy and Budgeting Specialist Needed
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