6 Sigma Group, established by Ramzi, is essentially involved in six businesses: 1. Consultancy for Bankers with our “Road to Basel II (now III)” program that spans the entire banking business. The group conducted several of these consultancies in emerging markets. The program has since been renamed “Beyond Basel”.2. Training for bankers, covering all products, with notable emphasis on credit through the signature Credit and Relationship Management program. 3. HR Competency Assessment where the entire credit hierarchy of a bank is assessed in terms of technical skills, and a training program devised to ensure an uplift in these competencies.4. Credit Rating Agency that rates corporate and commercial clients, produces credit applications, industry studies, product programs, and target market studies. Prior work involved the outsourcing of credit for both Saudi and UAE clients, and production of several Industry Studies in both Lebanon and UAE.5. The ownership and management of the Risk and Credit Management System (RCMS) and multilingual system that currently provides the following:a) Financial analysis including recommended limits and structure for obligors based on their ratingb) Risk rating of SME, commercial and corporate obligorsc) Credit automation that cuts the production of credit applications from days to literally hoursd) Portfolio Risk Rating (PRR) and concentration risk calculation6. Corporate Finance in which businesses are evaluated and opportunities for private placement activities are identified. The group’s motto is: bankers serving bankers. More info on www.6sigmagrp.com.