The document is a cover letter and resume for Abdel Karim Fneiche applying for a position. It summarizes his qualifications including over 25 years of experience in finance, accounting, and management. He holds an MBA and university degree with honors and is proficient in both Arabic and English. Fneiche is seeking a role where he can utilize his skills and experience in areas like financial analysis, budgeting, and strategic planning.

1. Employment Statement:
I would like to take this opportunity to express myself and to have the ability to use
my managerial experience (More than 25 years of experience in Middle East, Gulf
and Africa in accounting, finance, reporting, analysis, banks, planning, corporate
management skills, risk management, financial ratios, budgeting and forecasting,…)
to support business owners, CEOs and finance departments to deliver vision &
strategies to drive growth, sustainable profits & enhance liquidity.
I have university degree with grade “A+” since 1996 and I am energetic, friendly
and enthusiastic in nature, I’m able to work individually and as part of a team as
well.
I am a person who is balanced between strengths and weaknesses. What separates
me from the rest is my positive attitude and I believe that my education and
experience that form my background qualify me to be the best applicant for this
position by creating efficient and productive team work and healthy environment.
Part of my practical acquired skills during my career experience:
Management, negotiation, banks relation and facilities (LD, LC, LG, OD, PN…), HR,
operation, SOPs, ERP systems, rules and regulations…etc
Franchise, import export, distribution, vessels management, art production, hospitality,
HACCP, restaurants, catering, commodities, FMCG, cosmetics, manufacturing…etc
Finally, I look forward to meet you and to discuss my credentials, education and work
experiences.
Kind Regards
CURRICULUM VITAE
ABDEL KARIM FNEICHE

2. Curriculum Vitae, Abdel Karim Fneiche Page 2
1. Personal Data:
Date of birth: 17/01/1973
Nationality: Lebanese
Marital status: Married
Address: Lebanon – Beirut – Ramlet Albayda
Tel: 01-550246 / 03-820882
E-mail: karimfneiche@gmail.com
LinkedIn: Abdel Karim Fneiche
2. Education:
2.1 – Executive intensive MBA certified by League of Arab States / Council
Economic Department ‫العربية‬ ‫الدول‬ ‫جامعة‬/‫االقتصادية‬ ‫الوحدة‬ ‫مجلس‬
2.2 – Bachelor Degree: Dual Major Finance & Accounting – 1996
Beirut Arabic University (BAU) Grade “A+”
2.3 – Diploma Certificate: Major Accounting & Management - 1992
Professional Modern College (PMC)
2.4 - Nouvelle Ecole Des Frères – Hadath
2.5 – Certificates & Membership:
 Certificate authorized by Association of International Arbitration
AIA - Brussels
 Certificate authorized by International Cambridge College
ICC - United Kingdom
 Active Membership in Gate College for Training & Consulting - Egypt
Cairo

3. Curriculum Vitae, Abdel Karim Fneiche Page 3
3. Work Experience:
3.1 – IGH Holding – Hospitality (2014 - May 2015):
Chief Financial Officer (CFO)
International Group for 5 Stars Hotels Investment, Development and
Management - Lebanon & Iraq
Reference: Owner Mr. Ahmad Ismail / +961 3 705 705
Duties & Responsibilities:
1. Direct and oversee all aspects of the Finance & Accounting functions of the
organization
2. Oversee the accounting policies, procedures and internal controls for the
hotel, including but not limited to revenue recognition, cash management
and controls, expense approval authorities, depreciation schedules, etc
3. Oversee the reporting to tax authorities, Board of Directors and holding
company
4. Set up a budgeting process for the hotel, and work with the GM and Chief
Accountant and other HODs to prepare budgets, report results, analyze
variance and initiate corrective actions
5. Analyze organization operations, and to identify opportunities for
improvement, cost reduction, and systems enhancement
6. Establish and maintain strong relationships with senior executives so as to
identify their needs and seek full range of business solutions
7. Provide executive management with advice on the financial implications of
business activities
8. Provide recommendations to strategically enhance financial performance
and business opportunities

4. Curriculum Vitae, Abdel Karim Fneiche Page 4
3.2 – Golden Royal Eagle Holding & GRE Offshore (2012-2014):
Chief Financial Officer (CFO)
Import Export, Int’l Trading & Distribution: Commodities, Cosmetics, FMCG
Lebanon, Angola, Mozambique, Congo & Paraguay
Reference: Owner & CEO Mr. Fadi Nesr / +961 3 777 268
3.2.1- Duties & Responsibilities:
1. Oversee and coordinate all aspects of financial planning (annual budgets,
long term financial plans)
2. Prepare and review consolidated annual budgets and longer-term financial
objectives for reasonableness and credibility
3. Review monthly results and implement monthly variance reporting as
compared to budget
4. Prepare and review financial statements, business activity reports, financial
position forecasting and other reports required (Profitability Reports, Items
Contribution Margin, Stock Level etc…
5. Analyze financial reports and financial situation with preparing the
financial ratios such as DSO, DPO, DIO, Cash Conversion Cycle (CCC),
Liquidity ratios, Profitability ratios etc…
6. Review with Group tax and treasury departments the finance/tax plans of
the countries
7. Act as a business advisor to the Chief Commercial Officer by reviewing and
making recommendations on the financial implications for new ventures,
including acquisitions, assets, significant product launches, new projects/
proposals, new strategic directions
8. Define Value Capture Model for maximizing cash and profit generation in
business/sales execution
9. Develop standards & rules & controls for fulfilling the controllership role in
entities
10. Help build compliant and accurate statutory reporting in line with
country/entity accounting principles
11. Implement internal controllership procedures for auditing/ensuring
compliance to controllership rules
12. Provide decisions support advises to Chief Commercial Officer

5. Curriculum Vitae, Abdel Karim Fneiche Page 5
3.2.2- Execution - Managing Operations and Reporting:
1. Ensure company policies are properly implemented in a timely fashion
throughout the entity
2. Monitor and report financial performance goals, including reviewing and
recommending appropriate plans and actions (Entities and central
Commercial Group)
3. Monitor cash flow management at entity level and consolidated
4. Monitor Profit contribution from entities and from overall Commercial Group
to the company
5. Analyze Financial impact of sales forecast and provide feedback
6. Analyze (monthly reporting), accounting and control of the country/area
assigned
7. Drive on site entity business procedures audit & escalate audit reports to
group with proposed action plans
8. Ensure that company information systems adequately support the business
operations
3.3 - Diet Secrets Lebanon (2005-2011):
Finance and Administrative Manager
Nutriclinic, Restaurant, Shops, Catering and Diet Food Program
Reference: Owner Mrs. Joumana Hassan / +961 3 883 338
3.3.1- Financial Duties & Responsibilities:
1. Oversee the overall organization budgeting preparation, management and
monitoring processes
2. Perform financial analysis, reporting and management activities
3. Ensure that the financial reports are prepared and delivered on time
4. Review financial data for accuracy, correctness and completeness
5. Monitor and manage all expense within the allotted budget
6. Establish key financial strategies to enhance business profitability
7. Ensure financial team follows company policies and regulations
8. Develop standard accounting procedures to improve financial operations
efficiency

6. Curriculum Vitae, Abdel Karim Fneiche Page 6
9. Review annual budgets and recommend any changes if needed
10. Ensure accurate calculation and distribution of salaries and other
benefits to employees
11. Establish accurate forecasts regarding expenses and revenues and
manage regular reporting requirements
12. Monitor competitor activity and stay updated about latest industry
trends
3.3.2- Administrative Duties & Responsibilities:
1. Responsible for all administration aspects of the association headquarters,
staffing, facilities, database management, etc
2. Assist in budget development and implementation and management of
Administration Division, Support Services Department and Employment
Services Department
3. Strategic Planning and development of business plans and operational
plans annually tied to the association strategic plan and the annual budget
4. Manage and assist the Human Resource department including employee
policy, performance appraisal, grievance procedures, discipline, policy and
procedure
3.4 - Karimex Offshore – Beirut Head Office (2002-2004):
Regional Chief Accounting
Import Export & Vessels Management – Lebanon, Jordan, Bulgaria
Reference: Owner & CEO Mr. Ziad Karabibar / +961 3 996 988
3.5 - Relax in Int’l sal (1996-2001):
Chief Accounting and Production Manager
Art Production – Lebanon, Gulf & Arab Countries
3.6 – IYAF Cabinet – Beirut Head Office (1992-1995):
Bookkeeper, Accountant, Internal & External Auditor
Accounting, Auditing and Financial Advisory

7. Curriculum Vitae, Abdel Karim Fneiche Page 7
4. Practical Skills:
4.1 - Core Competencies:
4.1.1 – Accounting & Finance (Key Tasks):
 Book Keeping
 Store and Inventory Control
 Daily Transactions (JV, RV, PV…)
 Accounts Reconciliation (Banks, RA, PA…)
 Trial Balance
 Balance Sheet (Consolidated BS for Holding & Subsidiaries)
 Profit and Loss Statement
 Cash Flow Statement
 Banks (Over Draft, LC, LD, LG, PN…)
 Banks Facilities & Financing Control
 Sales Reports Analysis
 Financial Reports Analysis (Adopt IFRS, IAS, GAAP)
 Cost Control
 Internal & External Audit
 Tax Reports (VAT, Salaries Tax…)
 CNSS Reports
 Other Duties
4.1.2 – Operation & Administration (Key Tasks):
 Negotiation & procurement (Price, Quality, Quantities…)
 Wide Knowledge HACCP & ISO
 Staff Development And Training
 Job Description, Performance Appraisal
 Operation Manual, Policies and Procedures
 Complains, Feedback and Problems Solving
 Internal Rules and Regulations
 Reporting System and Information Flow
 Excellent Analytical Skills

8. Curriculum Vitae, Abdel Karim Fneiche Page 8
 Professional Communication Skills
4.2 – High Level Management Skills:
 Strategic & Tactical Planning (Long & Short Term)
 Business Plan & Feasibility Study
 Business Development
 Forecasting and Budgeting
 Strong & High Level Negotiation Skills
 Dealing With Financial Institutions (Banks, Insurance…)
 Media and Marketing Skills
 Operation and Production Skills
 Human Resource Skills
 Organizational Restructuring
 Establishment Of Companies
 Franchise Agreement and Establishment Of Franchise Companies
In Lebanon and Arab Countries
5. Computer Skills:
 Excellent & Advanced skills in computer especially :
Microsoft office (word, excel, power point…), Internet.
 ERP: advanced knowledge in ERP business management
software.
 ORANGE Compudata: Accounting, Inventory, Cash Flow,
Assets Registration Module and Payroll Management
System.
 EDM: Accounting & Inventory Management System.

9. Curriculum Vitae, Abdel Karim Fneiche Page 9
 IBS Intelligence Business Solution: POS, Accounting,
Inventory, Payroll, Assets Registration Module and Cash
Flow Management System.
 OMEGA: POS Management System.
 PIMS: POS, Accounting, Inventory, Assets Registration
Module and Payroll Management System.
 NORIA: POS, Accounting & Inventory Management System
 PMS For Hotels: POS, Accounting, Inventory, Payroll &
Hotel Management System
6. Languages:
Trilingual: Fluent in Arabic, English & French
7. Personal Qualifications:
Fast learner, self motivated and career oriented, work under pressure and within
tight time frames, adapt easily to an irregular lifestyle, flexible interaction with
various cultures and background, excellent interpersonal and communication skills.
High qualifications in refining The financial vocabulary, hard reader for Micro &
Macro Economic Articles and attended more than 85 seminars, workshops and
lectures (LACPA, Boecker, Beryteck, FAO…) in different fields (IFRS, GAAP, IAS,
HACCP, ISO, Management, Attitude, Team Work, Crystal Reporting, …).
8. References:
References will be available upon request.