Helping clients looking into O&G trading to gain a better understanding of key trends, competitive dynamics, and expected areas of growth in the space.

• Implemented a Cost of Capital model for extended payment terms beyond industry standards using fixed income and commercial paper interest curves. • Review of collateral, such as Letters of Credit, Parent Company Guarantees, Surety Bonds and margin requirements. Instrumental in setting up default insurance, receivable put options and other risk mitigation tools. • Banking relationship manager between the credit desk and trading desk for financing and risk mitigation structures. • Played an active role in training staff to recognize troubled credits using detailed financial statement analysis and market-based risk tools and to adjust credit limits as warranted.• Managed a group of analysts to create time saving automated tools using the LEAN process and mentoring the use of VBA and SQL tools. - This group was instrumental in creating the following reporting improvements: • Scraping data off of monthly Gas Liquids production PDF files to upload into EMK3 database• Automated global reporting of credit rating changes, counterparty additions and removals. This tool would help the credit team update the contract credit terms in a timely basis• Created automated tool that graphed out future exposure based on future deals. • Developed tool to reconcile and correct trucking tickets and tax liabilities from Bakken production

• Supporting the Global Crude Oil desk on all matters relating to risk. Both Market and Credit. • Managed a team of 6 risk analysts in London, Stavanger and Singapore.• Mentored Jr. Credit Analysts on assessing credit risk using thorough financial statement analysis.• Developed and implemented a tool designed in Access using VBA and SQL to reconcile the trading system vs. our VaR system. This shortened the manual 3 hour process to less than 10 minutes. • Designed an automated open deals reporting that identified unclosed futures positions that were still active past the expiry date in the trading system.• Created automated inventory database to track crude supply inflows and outflows in the companies storage facilities using VBA and SQL.

Credit analysis for crude, products and liquefied natural gas trading. Conducted in depth analysis of industries and led credit negotiations for complex crude supply deals.• Detailed and forward-looking financial statement analysis to support the trading desks.• Instituted more accurate and detailed probability of default ratings based on industry specific metrics. • Responsible for the contract negotiation for Master Supply Agreements credit terms and covenants for the physical supply desks.• Spearheaded all credit terms for the supply contract for PBF Energy where Equinor was the sole supply of crude oil to the Paulsboro and Delaware refineries. • Created external daily tracking system of credit exposure for the PBF Energy supply contract due to complexity of the deal. • Advising senior management on providing additional credit to counterparties beyond policy limits.• Mentoring Jr. level analysts on creating detailed financial statement analysis reporting by adjusting off balance sheet and unrecognized liabilities• Reviewed and set up Letters of Credit, both Standby and Documentary, and Parent Company Guarantees (PCGs).• Negotiated and reviewed risk mitigation programs, such as Surety Bonds, Receivable insurance and Receivable Put Option products. • Negotiated supply transportation contracts for onshore crude, mainly but not limited too Rail and Pipeline deals• Review and negotiation of ISDAs and NASBE's

• Created and executed market characterization reports writing VBA to pull from internal compliance website, facilitating understanding of total positions in market.• Led and implemented streamlining of Risk Stress Database, leading to quicker turnaround of stress reporting.

Counterparty financial statement analysis for Airlines, Pipelines and Chemical Industries. Recommendation of credit limits and tenor of open credit. Calculation of margin requirements and margin calls.Negotiation of ISDAs, PCGs, Standyb LC and Document LCs.