ALEXANDER J. KREM, BA, MBA, JD is Managing Director and has over 35 years legal, banking, investment and financial experience in Africa, Asia, Australasia, Eastern and Western Europe, Latin America, the Middle East, the UK and the US. He has had management, corporate finance, credit, investment, merger and acquisition, problem loan and training experience around the world. He is a qualified lawyer who has worked with the US Department of Commerce in Washington DC and the international law firm of Graham and James. He spent 17 years with Bank of America in San Francisco, Tokyo, London and Cairo as a commercial and investment banker. He developed and managed multimillion dollar loan portfolios. He and his teams are credited with numerous international loan, corporate finance and capital market innovations. He was the Deputy General Manager of NZI Bank and General Manager of the bank’s Investment Banking Group, where he was responsible for managing over NZ$1.4 billion in investment funds. He was Managing Director for Security Pacific National Bank’s New Zealand merchant banking operation. In 1988 he established the Admiralty International of Companies. Dr Krem holds Bachelor of Arts degree (BA with high honors) in Psychology and small group dynamics, a Master of Business Administration (MBA), and Juris Doctor (JD) degrees from the University of California at Berkeley, concentrating on finance and real estate. He has studied Industrial Psychology at the Ph.D. level at the University of Minnesota and has taught law and business at the University of California (Berkeley), University of the Pacific (Stockton, US) and Auckland University. He has lectured worldwide. Dr. Krem has worked as a banker or lawyer in over 60 countries.