CLAUDE GUILLEMAIN

              8/12/2004

                                                CURRICULUM VITAE

PERSONAL DAT...
3MEMBERSHIP OF PROFESSIONAL BODIES:

    from         until        Country                              Organisation
    1...
strategy guidance to this programme as well to the Ministry of Agriculture (Institutional Building Plan)

Expert registere...
•WESTERN         EUROPE (10 years): France, Belgium

Working experiences


•European Commission, both at headquarters (DG ...
Company :       ECO / MEDA Technical Assistance Programme funded by EU
Description :   Private sector, SMEs development, M...
developing the policies and strategies required for a successful operation of the
                RCGF as well as to provi...
Date:         May - June 1995
Location      PHILIPPINES
Company       AGRAL / SETA Consortium / EU Funded project
Position...
Position      Rural Credit Expert
Description   Carried out an evaluation of the rural credit components in the projects f...
Planting Zone).


Date:         May 1990
Location      BURKINA FASO
Company       AGRAL / AFRACA / FAO + EDI funded projec...
Date:           February 1987 - March 1988
Location        PARIS - CAIRO
Company         CAISSE NATIONALE DE CREDIT AGRICO...
Data: 120 staff members, 2000 customers' USD 10 million outstanding credits.
                         Training for 120 sta...
Upcoming SlideShare
Loading in...5
×

1106837233420_Cvguigbeu56.doc

246

Published on

0 Comments
0 Likes
Statistics
Notes
  • Be the first to comment

  • Be the first to like this

No Downloads
Views
Total Views
246
On Slideshare
0
From Embeds
0
Number of Embeds
0
Actions
Shares
0
Downloads
2
Comments
0
Likes
0
Embeds 0
No embeds

No notes for slide

Transcript of "1106837233420_Cvguigbeu56.doc"

  1. 1. CLAUDE GUILLEMAIN 8/12/2004 CURRICULUM VITAE PERSONAL DATA Name: Claude GUILLEMAIN Nationality: French Birth date / age: 1 March 1944 - 60 years Marital status: Married - 6 children (Date of Birth: 71, 73, 76, 93, 95, 99) Permanent Address: Postal Address: Avenida do Zimbabwe, 1248 c/o Mrs Millecam MAPUTO Delegation of the European Commission in Mozambique Mozambique By diplomatic pouch Rue de la Loi, 200 B-1049 BRUSSELS Belgium Tel: (Home) + 258 1 49 22 25 E-Mail: cguillemain@tvcabo.co.mz E-Mail: claude.guillemain@free.fr E-Mail: claudeguillemain@yahoo.fr E-Mail: cguillemain@hotmail.com 1. EDUCATION & QUALIFICATIONS Institution UNICO BANKING GROUP Date 1986 Degree or UNICO BANKING GROUP Training Programme - Paris. Diploma Certificate Banking Management Institution Institut Technique de Banque (ITB) - Paris Date 1970 - 1972 Degree or Diploma Degree: Financial Markets Institution Ecole Supérieure de Commerce et d'Administration des Entreprises - Reims Date 1965 - 1968 Degree or Diploma Master in Business Administration Specialisation Degree: Marketing and Foreign Trade. 2. LANGUAGE SKILLS: (Mark 1 to 5 competence) Language Reading Speaking Writing FRENCH - MOTHER TONGUE - ENGLISH 5 5 5 SPANISH 2 2 2 RUSSIAN - 1 - ARABIC - 1 - 1
  2. 2. 3MEMBERSHIP OF PROFESSIONAL BODIES: from until Country Organisation 1989 1993 France ADEPTA : Association pour le Développement des Echanges et des Produits et Techniques de l’Agro- Alimentaire, association monitored by the French Ministry of Agriculture 1988 1996 France SYNTEC : French Union of Consulting Firms and Consultants 2004 Malawi SHADE : Chairman of “the SHADE”, a professional association of Independent Experts (Africa – Europe) based in Lilongwe http://www.shade-llw.org/ 2001 Brussels SIFRA : Member of SIFRA, Microfinance Networking Facilitators - Brussels http://www.sifra.org/ 4OTHER SKILLS: BANK TRAINING (1973 - 1975 Teacher , on a part time basis, within the CFPB, the French professional bankers training Institution) COMPUTER LITERATE 5. PRESENT POSITION: SENIOR EXPERT : RURAL FINANCE AND MICRO FINANCE Micro Finance Systems Rural Finance SME & Micro Enterprise development Training and financial services 6. YEARS WITHIN THE FIRM: - NA- 7. KEY QUALIFICATIONS, SKILLS AND EXPERIENCE: Project management with demonstrated experience in international relations. Particularly co-operation policy with developing countries and European Union, preparation, management and assessment of development projects and investments projects in different sectors Experienced banker and consultant, holding a number of senior positions with the French private commercial bank Crédit Agricole. In addition, worked for two years, on a part time basis, as a trainer with the CFPB (French Banking Training system for bank staff and executives). Crédit Agricole technical assistance programmes manager. Team leader of three long-term missions (Togo, Sultanate of Oman, Malawi). Managing Director of a Consulting firm (1988-1996) : AGRAL CONSULTANTS INTERNATIONAL Consultancy work centred in the areas of micro and rural finance, SME development, bank strategy and institution building, savings and credit policy, resources collection, training, general management, organisation, control and systems. Consultancy work for the European Commission (PHARE, TACIS, MEDA), EBRD and World Bank, FAO, IFAD, Caisse Française de Développement (CFD), in a variety of countries including Central Europe, Mediterranean region, Asia, Middle East, Africa. Senior Expert : Private Sector Support, SMEs development and microfinance (development, training and financial services) (consultancy, MEDA TEAMS Brussels) As Senior Expert, within EC Delegation to Malawi, senior advisor to Ministry of Agriculture and Irrigation for matters relating to the conceptual and operational aspects of the Rural and Micro Finance Programme, providing policy and 2
  3. 3. strategy guidance to this programme as well to the Ministry of Agriculture (Institutional Building Plan) Expert registered in the roster of EUROPEAID EU individual experts (decision on OJEC n° C 274 dated 26th September 2000). http://www.europa.eu.int/comm/europeaid/experts/experts_200101_en.htm Expert registered in the roster of CGAP http://www.microfinancegateway.com/content/member/detail/21721 Relevant experience in working under Indefinite Delivery Contracts (Framework Contracts with European Commission): Lithuania, Romania (1996, 1997, 1998) Expertise is summarised as follows: 1.Management and Development of Projects •Project cycle steps: from the beginning including: identification, market surveys, financing, evaluation, feasibility, starting it up, following up. •Managing and developing procedures, including commercial, financial and institutional aspects. •Elaboration & Implementation of Strategic Plans, provisional results, financing, managing charts. •Eligibility criteria for banks, financial Institutions, revolving credit funds & guarantee funds •Supervision of banking and on-lending credit operations, incl. advice on financial project analysis, establishment of commercial & agricultural banks & credit guarantee funds 2.Private sector, SMEs development, Micro - Finance •private sector, business Centres, SMEs support, credit lines •Microfinance, rural Finance : savings and credit policy, insurance, credit and savings guarantee funds, training, general management, organisation, control and systems •Financial projects studies •Feasibility studies •Institutional Strengthening Programmes for private sector, micro & SME financial systems, financed by International Financing Institutions: European Commission, World Bank, European Bank for Reconstruction and Development 3.Capacity Building cum Institutional Strengthening of banks, financial institutions, Savings and Credit Mutual Banks, local governmental banks in transitional and developing economies: •Banks Strategy and Institution Building Programme •Design and conduct of training courses and action-planning workshops on banking and rural credit management, integrated project cycle management and development planning and preparation of corresponding training materials •Design and preparation of manuals on banking & rural credit management, development planning and management •Counterpart training of bankers, development planners, and aid co-ordinators 8COUNTRIES OF WORK EXPERIENCE: •CENTRAL EUROPE (2 years): Lithuania, Romania, Ukraine, Moldova •CENTRAL ASIA Turkmenistan •ASIA (2 years): Philippines, Vietnam, Laos, Cambodia, Thailand, India •MEDITERRANEAN REGION (5 years): Egypt, Algeria, Morocco, Tunisia •MIDDLE EAST (5 years): Oman, Emirates, Saudi Arabia, Jordan, Yemen, Iraq •AFRICA (6 years) : Malawi, Côte d'Ivoire, Zimbabwe, Togo, Rwanda, Burundi, Burkina Faso, Mali, Central African Republic, Comoros, Ethiopia, Benin, 3
  4. 4. •WESTERN EUROPE (10 years): France, Belgium Working experiences •European Commission, both at headquarters (DG Development,, DG External Relations (RELEX) EUROPEAID and in projects : ASIA, PHARE, TACIS, MEDA ) • British, Swedish, French, Dutch, Lithuanian, Belgian and Italian private consulting companies • EBRD, World Bank, FAO, IFAD, CFD projects • French banking training centres • French private commercial banks 9. SPECIFIC AFRICAN COUNTRIES EXPERIENCE: Country Date: from (month/year) to (month/year) MALAWI April 2002 to April 2004 IVORY COAST November - December 1997 February 1991 ETHIOPIA October 1994 BENIN May 1992 BURKINA FASO March 1991 May 1990 TOGO August - September 1990 April - May - June 1989 August 1977 - August 1981 COMOROS April 1990 RWANDA November - December 1989 ZIMBABWE January 1989 CENTRAL AFRICAN 1986 REPUBLIC 10. PROFESSIONAL EXPERIENCE RECORD: Date: April 2002 to April 2004 Position: Senior Expert - Rural and Micro Finance Advisor (Lilongwe Malawi) Company : European Commission EUROPAID Description : As Micro Finance Advisor to the Malawian Ministry of Agriculture, Irrigation and Food Security, EU Delegation in Malawi (Food Security Programme), I’m responsible for (1) assessing the problems being experienced by farmers, private sector participants and pertinent government bodies in the areas of private sector support, micro finance, micro credit and micro enterprises; (2) identifying programs and developing strategies for areas in which European Commission intervention could be useful and appropriate, taking into account the current needs of the farmers and private sector and governments, other donor activities, and past program designs and interventions; (3) designing, developing, implementing, and supervising specific interventions to address the constraints and barriers to entrepreneurs in the region; and (4) serving as resource person in private sector support, micro finance and technical debates with senior level local government and other donor officials at both the policy and technical level. Date: October 1998 to December 2001 Position: Senior Expert - MEDA TEAMS (Brussels) European Commission EUROPAID 4
  5. 5. Company : ECO / MEDA Technical Assistance Programme funded by EU Description : Private sector, SMEs development, Micro - Finance expert. Private Sector - SMEs development, technical assistance to the MEDA Programme of the European Union ( RELEX and EUROPEAID), micro-enterprise development, training and financial services. Strategy and operational Policy, Institutional Building & Strengthening plans. Projects studies, Feasibility studies. Evaluation. Micro-Finance, SME finance, banking, savings and credit policy, guarantee funds Missions : 24 May 99 27 May 99 Morocco (Job creation in Northern Morocco) 03 December 99 10 December 99 Algeria (Support to private sector) 24 January 2000 04 February 00 Morocco (Specialized credit lines) 07 April 00 12 April 00 Algeria (Support to private sector) 22 May 00 26 May 00 Morocco (Specialized credit lines) 23 June 00 07 July 00 Morocco (Specialized credit lines) 02 September 00 06 September 00 Algeria (Social Fund and private sector) 06 December 00 10 December 00 France (International Microfinance Forum) 14 May 01 17 May 01 Tunisia (Euro Tunisie Entreprises) Date : July 1998 (1 mission) Location : TURKMENISTAN Company : SWEDEAGRI Consortium / TACIS Programme funded mission Position : Rural Credit Specialist Description : Policy advice to support Farmers Associations : to investigate the current availability of credit to farmers associations and individual Leaseholders from local sources • Assessment of credit needs • Potential sources of credit • Policy proposals for credit schemes • Training to Dayhan Bank and Farmers Associations staff • Operational procedures and conditions suitable Provide recommendations to the relevant authorities to foster access of private farmers to credit under commercial condition. Date : December 1997 - June 1998 (6 missions) Location : ROMANIA Company : FIDA / ATA (Agriconsulting) Consortium / PHARE Programme funded mission Position : Team Leader of two studies : Agricultural Insurance & Rural Finance Description : 1. Strategy study for the agricultural insurance sector and study for the sector to develop activities such as: forward contracts, call and put options, swaps and other systems to facilitate the exports of agricultural produce, leasing of agricultural equipment and machinery, other financial services to the agricultural sector. Proposition of a long-term training programme for the extension agents of the Romanian Ministry of Agriculture and Food. 2. Policy advise for Development of Rural Financing Services with specific objectives such as: existing rural financing and its responsiveness to the requirements of integrated rural development, assessment of the requests for financing services within the rural community, assessment of the legal framework, strategy for development of rural financing services, fostering the co-operative development with encouragement given to farmers’ groups, promotion of financing instruments, strengthening the Ministry of Agriculture analysis capacity and improvement of its information system. Date : January 1998 - May 1998 (3 missions) July 1997 - September 1997 (1 mission) Location : LITHUANIA Company : FIDA / ATA (Agriconsulting) Consortium / PHARE Programme funded mission Position : Team leader & Co-ordinator of the Rural Credit Guarantee Fund (RCGF) Description : The objective of this consultancy is to assist the Ministry of Agriculture & Forestry in 5
  6. 6. developing the policies and strategies required for a successful operation of the RCGF as well as to provide policy and strategic advice to the RCGF during its initial operation. Key outputs of this consultancy are as follow: 1. Assistance to the Rural Credit Guarantee Fund Director in the initial operation of the RCGF. 2. Initial training to RCGF staff, on-hands assistance 3. Structure and contents of the operational manual of the RCGF which spells out all relevant procedures regarding the appraisal of credit guarantee requests, the issuing of default guarantees, the monitoring of guarantees issued, the initiation of guarantee payments, budgeting and accounting procedures 4. Review operational manual and policy manual, selection of eligible banks and agreements with the eligible commercial banks 5. Backstopping on policy and strategy issues during the initial operation of the RCGF Date : November - December 1997 Location : IVORY COAST Company : BCST Consulting / Ivory Coast’s Chamber of Agriculture - Ivory Coast funded mission Position : Team Leader / Rural Banking Expert Description : Feasibility Study of a new Agricultural Bank. Advice in Strategy and Policy, technical back up to national experts. Strategy and legal framework of the new agricultural bank, definition of the organisational structure and main products, establishing activity forecasts, investment plan. Definition of the capital structure, resources and operational means, profitability of the bank. Definition of support measures to assure this profitability. Date : September 1996 - March 1997 (3 missions) Location LITHUANIA Company IDC / Landell Mills Consortium / PHARE Programme funded mission Position Team Leader - Rural Credit Guarantee Fund (RCGF) Description Preparation of a technical and political feasible concept for a Rural Credit Guarantee Fund which meets the full support of the Government of Lithuania. Statute of the Guarantee Fund, Operational Guidelines, Agreements with the participating banks, Memorandum of Understanding between EC and Lithuanian Government Preparation of the operational manual of the Rural Credit Guarantee Fund Training of Lithuanian specialists Backstopping advice on policy and strategy issues Date: September 1996 - February 1997 Location UKRAINE Company ATHOL / CLINVEST Consulting / EBRD + French Treasury funded mission Position Head of Project Description Technical Assistance to AGIO Bank - KIEV Preparation of the Strategy and Operational Policy Statement (SOPS) and Institution Building Program (IBP). Preparation of AGIO Bank eligibility to the EBRD Credit Line. Appraisal and monitoring of Credits financed out the EBRD Credit Line. Training and Procedures, Credit Manual, Audit & Systems, Accounting, International operations. Date : February 1996 Location MOLDOVA Company AGRAL Consulting / TACIS funded mission Position Team Leader Description Mission to Moldova to identify rural credit project for TACIS financing 6
  7. 7. Date: May - June 1995 Location PHILIPPINES Company AGRAL / SETA Consortium / EU Funded project Position Rural Finance Expert Description Responsible for the preparation of the second phase of CECAP Project. The object of the mission was the preparation of Phase II of Central Cordillera Agricultural Programme (CECAP) where objectives were focused on the economical and rural finance aspects. Areas covered included description of the Phase II of the project, justification and feasibility, costs and budget, organisation and co-management of the technical assistance. Monitoring and evaluation of the project, development of credit activities for productive matters and assistance in the institutionalisation of rural financing system. Date : November 1994 - February 1995 (2 missions) Location CAMBODIA Company AGRAL / SETA Consortium / EU Funded project Position Rural Finance Expert Description Support mission for the setting up of rehabilitation of agricultural sector programme (PRASAC). Responsibilities included contact with all rural credit organisations for the preparation of a synthesis related to all experiences conducted in Cambodia. Co- ordination with experts of the HORUS mission financed by «Caisse Française de Développement » on the same subject. Preparation of the basis for a seminar dedicated to long term experts and the consulted organisations. The principal subject of the seminar was to find the best methodology for the PRASAC credit activity. Also participated in the preparation of the Credit Technical manuals and the implementation of definition of needs related to personnel and their training. Assisted in the training activities. Date: October 1994 Location ETHIOPIA Company CREDIT MUTUEL / AGRAL / World Bank funded mission Position SME & Rural Finance Expert Description Assisting CREDIT MUTUEL BANK team (France) in the Provision of Financial Services in the Private Sector with particular reference to SMEs, Micro Enterprises, small agents and individuals. Also responsible for the rural credit elements of the project. Performed an assessment of the demand for financial services. Drew up an outline of a new financial Institution. Date: May 1994 Location VIETNAM Company ECO Consulting / EEC funded project Position Team Leader / SME credit Expert Description Responsible for the proposed financing of the reintegration of Vietnamese returnees (EC-IP Programme). Carried out a feasibility study for the future utilisation of the Credit Revolving Fund. This included proposals for creation of a new Banking Institution to improve SME Financing and a Credit Guarantee Fund together with suggestions for savings schemes, insurance of cohesion and dynamism of the groups concerned, including women’s groups, in order to encourage prolonged utilisation of the Fund. Proposals were also put forward to support sympathetic planning of repayment timing and the understanding of agricultural difficulties in accommodating banking requirements. Date: November 1993 Location ASIA Company SETA Consortium / EEC funded project (DG1) 7
  8. 8. Position Rural Credit Expert Description Carried out an evaluation of the rural credit components in the projects financed by the EEC in Asia, Phase II. Countries covered included Nepal, India, Thailand and the Philippines. Date: November 1992 - September 1993 Location LAOS (LAO PDR) Company AGRAL / FAO funded project Position Team Leader - Rural Credit Expert Description In a series of short term missions prepared and set up an international seminar on rural finance for 80 participants. Acting as resource consultant and moderator of the workshop. Appraisal of the Rural Credit System in LAO PDR: Policies and programmes Technical assistance to micro credit Exploring "income generation" activities, opportunity in investment: commodities, small scale and large scale opportunities in all aspects of economy. Date: May 1992 Location BENIN Company AGRAL / IFAD funded project Position Rural Credit Expert Description Carried out a mid-term review of « Caisses Régionales et Locales de Crédit Agricole Mutuel » on a Technical Assistance Rehabilitation Project (Atacora). Date: April - July 1991 Location VIETNAM Company AGRAL / FAO funded project Position Head of project Description Preparation and setting up of a National Workshop on Rural credit for 70 participants from a wide range of areas. Responsible for the seminar resources and acted as moderator of the workshop. Date: March 1991 Location BURKINA FASO Company AGRAL / IRAM / CAISSE FRANCAISE DE DEVELOPPEMENT funded project Position Rural Credit Expert Description Responsible for the project of Partial privatisation of the Caisse Nationale de Crédit Agricole du Burkina Faso (CNCA - Burkina). Date: February 1991 Location CÔTE D’IVOIRE Company AGRAL / AFRACA / FAO funded project Position Rural Credit Expert Description Responsible for preparation and acting as moderator of an international seminar about rural finance (NGO role and linkage with the financial institutions). Date: August - September 1990 Location TOGO Company BDPA / AGRAL / CAISSE FRANCAISE DE DEVELOPPEMENT funded project Position Rural Credit Expert Description Responsible for preparation and presentation of feasibility study of a rural mutual credit scheme for village groups in SRCC Zone (West Togo, Coffee and Cocoa 8
  9. 9. Planting Zone). Date: May 1990 Location BURKINA FASO Company AGRAL / AFRACA / FAO + EDI funded project Position Head of project Description Undertook the preparation of an international seminar on rural financial policies in Africa (French speaking countries) and acted as moderator throughout the seminar. Date: April 1990 Location COMOROS Company AGRAL / FAO funded project Position Rural Credit Expert Description Carried out a feasibility study of a rural credit strategy in the Islands, followed by the preparation and organisation of its implementation. Date: February / March 1990 Location ALGERIA Company AGRAL / EEC funded project Position Team leader - SME credit Expert Description Responsible for an audit of SONELGAZ (Public Authority for Electricity and Gas) together with a feasibility study of an 8 m ECU Credit line from the EEC to promote SMEs in the sectors of electricity and gas. Date: 1989 - 1990 Location BRUSSELS - European Commission Company AGRAL / EEC (DG VIII/1) project Position Head of Project Description Responsible for the study and publication of a general methodology for the feasibility of a sustainable Rural Finance System. Date: November - December 1989 Location RWANDA Company AGRAL / FAO funded project Position Head of Project Description Field survey on the various principal partners of the financial market. Preparation and training for a national seminar on rural finance. Date: April - May - June 1989 Location TOGO Company AGRAL / FAO funded project Position Head of Project Description Analysis of rural financial market and feasibility study of a new rural credit Institution. Date: January 1989 Location ZIMBABWE Company SIBI / AGRAL / EEC funded mission Position Head of Mission Description Analysis of AFC (Agricultural Finance Corporation), rural credit Institution in Zimbabwe 9
  10. 10. Date: February 1987 - March 1988 Location PARIS - CAIRO Company CAISSE NATIONALE DE CREDIT AGRICOLE (CNCA) Position Vice President for Middle East Description Responsible for Credit Agricole's business development, credit operations and risks assessment in the Middle East. Analyse private & public borrowers’ performance in this area. Analysis and follow-up of countries/risks. Management 500 millions USD credit lines Management of Credit Agricole portfolio. Participation to the Credit Committee Management of CAIRO main branch in Egypt Date: September 1985 - February 1987 Location PARIS Company CAISSE NATIONALE DE CREDIT AGRICOLE (CNCA) Position Banking and Finance International Expert Crédit Agricole Technical assistance co-ordinator Description Projects Management International co-operation with banks, financial institutions and development banks. Elaboration of training programmes Recruitment and management of expatriates. Date: 1986 Location CENTRAL AFRICAN REPUBLIC Company CAISSE NATIONALE DE CREDIT AGRICOLE (CNCA) / FAO funded mission Position Team leader Description Backstopping and support to the Banque de Crédit Agricole et de Développement (BCAD): Audit and organisation. Date: 1986 Location EGYPT Company CAISSE NATIONALE DE CREDIT AGRICOLE (CNCA) / EEC funded mission Position Team leader Description Feasibility study and settlement of a 43 million ECU’s credit line in favour of the PBDAC (Principal Bank for Development and Agricultural Credit), to finance farmers, co-operatives and SME of agricultural sector and agri-industries. Date: 1985 Location : EGYPT Company : CAISSE NATIONALE DE CREDIT AGRICOLE (CNCA) / EEC funded mission Position : Team leader Description Feasibility study and settlement of an 8 million ECU’s credit line in favour of the PBDAC (Principal Bank for Development and Agricultural Credit), to finance farmers, co-operatives and SME of agricultural sector and agri-industries. Date : September 1982 - September 1985 Location ; MUSCAT - Sultanate of Oman Company : CNCA / The OMAN BANK FOR AGRICULTURE AND FISHERIES (O.B.A.F.) Position : Team Leader (long term technical assistance) Deputy General Manager & Manager Control and Systems Seconded from CREDIT AGRICOLE Group, France Description : Setting up, management and control of the O.B.A.F. 10
  11. 11. Data: 120 staff members, 2000 customers' USD 10 million outstanding credits. Training for 120 staff members Date: August 1981 - September 1982 Location PERROS GUIREC - France. Company CAISSE REGIONALE DE CREDIT AGRICOLE (CRCA) Position Branch Manager Description Settlement of the Branch, management, control, credit management & resources collection Date: August 1977 - August 1981 Location TOGO Company CAISSE REGIONALE DE CREDIT AGRICOLE (CRCA) / CAISSE NATIONALE DE CREDIT AGRICOLE du TOGO Position Team leader (Long term technical assistance) General Manager Adviser, Control and Organisation. Seconded from CREDIT AGRICOLE (France) Description Management of the CAISSE NATIONALE DE CREDIT AGRICOLE, agriculture development bank in TOGO. Control, training, organisation, computerisation, accounting, audit Date: August 1971 - October 1975 Location SAINT BRIEUC - France Company CAISSE REGIONALE DE CREDIT AGRICOLE (CRCA) Position Head of SME Credit Department Description Appraisal, follow up and management of SME & Individuals Loans Date: October 1975 - August 1977 Location SAINT BRIEUC - France Company CAISSE REGIONALE DE CREDIT AGRICOLE (CRCA) Position Head of Organisation Department Description General Organisation of the Bank, computerisation, procedures, advice to Branches managers Date: March 1970 - August 1971 Location PARIS Company BANQUE REGIONALE D’ESCOMPTE ET DE DEPOTS (BRED) Position Commercial Attaché Description Loans applications appraisal, clientele accounts management, bank's operations 12. OTHERS: Publications 1989: General methodology for the feasibility of a sustainable Rural Finance System (European Commission) 1990: Specialised credit lines for SME (European Commission) 11

×