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Michèle El Khoury

Principal - Banking & Finance

Michèle is an experienced banking and finance lawyer with a business oriented approach; she has always been valued by her clients for finding tailored made/balanced oriented solutions. 

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Michèle has mainly worked on cross-border transactions involving the negotiation and the drafting of bilateral and syndicated loans with their related security interests, the securitisation of car, invoice and contract receivables and the development of a range of asset backed structured products. She further advised on a series of Shari’a compliant structures and drafted the related Shari’a compliant agreements. 

  • Negotiating and drafting a bilateral loan agreement based on the LMA model with its related collaterals including a corporate guarantee, an assignment of receivables and a sell-buy back agreement pertaining to a real estate property located in the UAE. 


  • Advising and negotiating a structure to be developed to ensure the refinancing of a loan granted by a syndicate of 3 Malaysian banks and a UAE bank to a borrower (a UAE company). The new lender requested that some of the Borrower’s assets be transferred to a fund to be incorporated in the DIFC, and thus, segregated from the Borrower’s remaining assets. 


  • Advising on the netting provisions under the ISDA from a UAE law perspective. 


  • Advising on, and drafting the agreements and documentation pertaining to the conversion of a conventional secured loan dedicated to the acquisition of real estate properties into an ijara muntahia bit tamalluk. 


  • Incorporating an Islamic bank in Casablanca, Morocco and drafting the Bank’s standard agreements.  


  • Negotiating and drafting a tawarruq agreement with a platform located in Malaysia to address liquidity issues of a multinational based in France. 


  • Developing a USD 50 million murabaha revolving facility for the purchase of cars. 

Thought Leadership



  • Herbert Smith, Paris 

  • Allen & Overy, Dubai 

  • Arab Finance Investment House, Beirut 



  • Paris Bar

  • Beirut Bar


  • Doctorate in Private Law, Panthéon-Assas University (Paris 2), France, 2002

  • Diplôme d’Études Supérieures Spécialisées (DESS), Banking and finance, Panthéon-Sorbonne University (Paris1), France, 1992

  • LLB, Saint Joseph University, Lebanon, 1991

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