1.Family name: Paton
2.First names: Alexander Stuart
3.Date of birth: 17 October 1942
4.Nationality:UK / Canadian (dual)
Institution Degree(s) or Diploma(s) obtained:
[ Date from - Date to ]
Chartered Institute of Bankers in Scotland – from Part 1 exams passed, Part 2
August 1959 to June 1970 incomplete.
Ayr Academy (Senior Secondary School) – from None
August 1955 to April 1959
7.Language skills: Indicate competence on a scale of 1 to 5 (1 - excellent; 5 - basic)
Language Reading Speaking Writing
English 5 5 5
8.Membership of professional bodies:
Royal Highland and Agricultural Society of Scotland
Computer skills: e.g. Word, WordPerfect, Excel, etc.
10.Present position: Self-employed consultant
11. Years within the firm: 10
12. Key qualifications:
Senior commercial and retail banker with commercial and MSME credit development
and change management experience in Eastern Europe, Asia, and the Middle East,
working on donor projects funded by USAID, DFID, World Bank, ADB and the EU.
Specific banking experience includes :
1Commercial banking operations and management
2Retail branch operations and management
3Micro and SME lending & lending training
4Rural and agricultural lending
6 Customer relations
7 Marketing & Product Development
8 Financial administration
9 Risk management including loan workout & recovery
10 General management
13.Specific developing economy experience:
Country Date from - Date to
Iraq July 2008 to present
Kosovo 2001, 2004, 2005 & 2007/8
Afghanistan 3/2005 – 1/2006
Pakistan 2/2006 – 6/2006
Serbia 9/2006 – 7/2007
14. Professional experience
Date from – Location Company Position Description
2 July 2008 Baghdad, Louis Berger Microfinance/ Providing Grant to Loan program to selected Iraqi banks
to present Iraq Group Ag Credit under USAID contract. Loans to stimulate Iraqi agribusiness
Specialist sector. Evaluating all banks as to capacity and suitability,
and responsible for evaluating all subsequent loan
applications from selected banks. Developing microfinance
grant packages for agri-credit by indigenous Iraqi NGOs.
Business development of agri-businesses.
August Prishtine, CRC Sogema / SME Credit Credit adviser for EBRD SME credit facility. Training and
2007 to Kosovo Tecsult, Adviser mentoring of loan officers at Raiffeisen Bank Kosovo.
February Canada Oversight and monitoring of EBRD credit facility.
2008 Independent appraisal of new credit applications. Specific
training provided: agricultural and cash-flow lending.
Provided advice and assistance on new agricultural loan
30 Serbia Tecsult/ Senior EBRD contract to provide technical assistance to
September National Bank Banking Komercijalna Banka Ad Beograd. Specific areas of
2006 to July of Canada Specialist assistance included: Advised and assisted change
2007 programme management team on Corporate and Retail
Banking, Branch Banking, Marketing & Product
Development, and provided training on SME, Micro, and
farm credit. New product advice included agricultural
February Pakistan Bankakademie, Senior Bank ADB credit programme. Attached to Bank Alfalah as
2006 to June Frankfurt Advisor advisor. Assisted with SME credit training, new product
2006 development and bad loan management
March 2005 Afghanistan DAI Financial USAID project on Alternative Livelihoods. Responsible for
to January Services expanding Micro Finance loans to provinces in Eastern
2006 Manager Afghanistan, in liaison with MISFA, through new offices of
existing MFIs. Responsible for providing access to credit for
SMEs, both agricultural and non-agricultural. Developed
proposal for non-bank financial institution. Developed new
credit products for rural MSMEs.
Jan/Feb Prishtine, Bankakademie, Short-term Review loan portfolio of EAR funded Agricultural Business
2005 Kosovo Frankfurt consultant Unit (ABU), including loans from previous projects (IDP &
ICU), with a view to determining which loans might be sold
on, which might have to be administered, and which should
be written off. Visited many of the poorest performing loans.
Assessed possible sale price, based on discounted value.
Feb/Mar Hanoi, DFC S.A., Senior Preparation of draft appraisal manual for World Bank
2004 Vietnam Barcelona, Consultant MSME rural lending project at the Bank for Investment and
Spain (short term) Development of Vietnam. Assisting BIDV to appraise large
September Prishtine, Bankakademie Short-term EU project to assist Kasabank in reviewing commercial loan
to October Kosovo Frankfurt consultant portfolio and training loan officers in credit review
2004 techniques. Prepared report on state of Bank’s loan portfolio
and made recommendations for improvements, including
classification of loans for Central Bank.
June 2002 to Baku, ABG, Deputy Team European Union (TACIS) programme for developing
May 2004 Azerbaijan Gottingen, Leader, Rural economies. Hands-on responsibility for MSME rural credit
Germany Investment development and training, introduction of formal credit
Foundation policies and procedures, development of a branch network,
(Tacis project) introduction of modern human resources management
procedures, and development of appropriate banking
practice, with the objective of converting the Rural
Investment Foundation to a fully fledged bank. Continued
assistance after a merger with Agrakredit, a state-owned
rural lending institution. Member of Management Board and
Credit Committee of Foundation.
April/May Prishtine, Siguria Temporary Responsible to Board of Directors for all day-to-day
2002 Kosovo Insurance CEO & operations.
July 2001 to Prishtine, Deloitte Loan Hands-on responsibility for originating credits to SME
October Kosovo Emerging Origination enterprises in Kosovo. Also responsible for hiring and
2001 Markets Group, Unit Head, training local loan officers, and providing field supervision
Washington, Kosovo and mentoring. Established policies and procedures for SME
DC, USA Business lending, monitoring and recovery. Liaised with other
Finance Fund lenders, credit providers and business advisers in the
(KBFF) establishment of a Credit Bureau.
project) KBFF became Kosovo American Bank and is now
Raiffeisen Bank Kosovo.
2000 to Yerevan, Bannock Senior Credit Responsible for assisting designated commercial banks to
2001 Armenia Consulting, adviser, make loans to their SME clients using EBRD funds. Also
London, UK EBRD providing technical assistance in lending and institutional
Institutional building in a developing economy. In addition, to carry out
Building and due diligence on any additional commercial banks deemed
SME Credit suitable for inclusion in the programme. Specific
Line in responsibilities included assisting the commercial banks’
Armenia. credit staff in: the analysis of credit applications; the
preparation and submission of credit applications to EBRD
for approval, including ensuring compliance with EBRD
environmental regulations; the provision of lending training;
and, assessing the risk ratings of all loans in the designated
banks loan portfolios.
1995 to Chisinau, Department for Senior As part of a change programme initiated by EBRD,
2000 Moldova International Banking responsible for providing technical assistance to Moldova
Development Adviser Agroindbank, and later to other banks, to enable the bank to
(DFID), UK introduce western banking practices, in a developing
Know How economy. Specific responsibilities included assisting in
Fund restructuring the bank’s functions, establishing an internal
audit function, establishing a loan work-out and recovery
unit, provision of credit training, and advice on day-to-day
problems. Provided specific credit training aimed at enabling
the bank to lend to SMEs, in particular to farms and other
rural businesses, and assisted the bank in the implementation
of micro and other credit lines from a variety of donors.
Additional assistance included the production of policy and
procedures manuals for various departments of the bank,
including a comprehensive fully-integrated personnel policy
for all employees, together with a personnel performance
management system, plus assistance in the establishment of
risk management and internal control systems in the bank.
Assisted Bank in establishment of new Retail Banking units,
with advice on functions, staffing and management. Other
banks assisted included Moldincombank (internal audit
function), and Oguzbank (credit function).
1992 to Aberdeen, Grampian Senior Provision of economic development assistance to rural
1995 Scotland Regional Development communities within the local authority region. Programme
Council (jointly Officer as designated “Villages in Control” and was designed to
funded by assist communities develop their own economic
Grampian development strategy through an action group. In addition,
Enterprise) provided assistance to small and medium sized rural
enterprises in their development. Successfully completed the
programme in three Grampian towns.
1985 to Edinburgh, Girobank PLC Senior Establishment of the lending function for the bank in
1992 Scotland Commercial Edinburgh, with additional responsibility for Northern
Lending Ireland. Developed the commercial lending “book” in these
Manager two areas to a high of £70 million lent within four years,
(Scotland & including the first syndicated loans by any Girobank office,
Northern and including a large number of loans to small rural
Ireland) enterprises. Responsible for all aspects of lending to
borrowers in Scotland and Northern Ireland, including legal
matters, financial analysis, preparation of applications and
administration. BS5750/ISO9000 supervisor.
1984 to London Various Commercial Temporary positions with a number of banks in London.
1985 commercial loan analyst Analysing commercial loans.
1979 to Vancouver Banque Assistant Selling of bank’s services to Canadian companies, in
1984 & Halifax, Nationale de Vice- particular lending to medium and large enterprises engaged
Canada Paris (Canada) President, in export. Established the bank’s first office in Halifax, Nova
British Scotia, to service the four Atlantic Provinces of Canada.
Columbia and Maintained close relationships with provincial governments
Vice- ministries of finance.
1975 to British Bank of Branch Directly involved in making personal, SME and commercial
1979 Columbia, Montreal Manager and loans in a number of branches throughout British Columbia.
Canada Commercial Commercial lending undertaken included rural and
Account agricultural enterprises as well as oil and gas development
Manager and a variety of other businesses, both retail and
commercial. Branch management of retail branches in
Victoria and Vancouver, BC, Canada
1967 to Hong Kong, Chartered Bank Sub- Manager in overseas locations of the bank. Specific
1975 East (now Standard Accountant positions held included Branch Manager, Chief Cashier,
Pakistan Chartered Branch Accountant, Lending Manager, and as head of
(Banglades Bank) various departments.
1959 to Scotland National Clerk Clerical/cashier jobs in a number of retail branches
1967 Commercial throughout South-West Scotland.
Royal Bank of
Completed Farm Credit Course, run jointly by the Institute of Bankers in Scotland and
the Scottish Agricultural College.
Articles on banking in Moldova, Armenia and Afghanistan, for “The Banker”, the journal
of the Chartered Institute of Bankers in Scotland.
17. Certification: I, the undersigned, certify that to the best of my knowledge and
belief, these data correctly describe me, my qualifications, and my experience.
Alexander Stuart Paton 2 April 2009
Name of expert Signature Date
Contact: Mobile 44 (0)7866 757446
and 964 (0)7901 945 571
UK mail address: 21 Barnhill Road, Dalgety Bay, Fife, KY11 9LL.