Commercial Banking Business Manager CV

London


  • Commercial Banking Business Manager

    Al Rayan Bank PLC



    Personal Details
    Telephone Number:   View Contact Details
    City:   London
    Desired job title:   Commercial Banking Business Manager
    Location:   London
    Added On:   about 8 months ago

    Internal

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    Industries

    Accountancy Banking banking-finance

    Job Titles

    Accounts Payable Supervisor Credit Risk Manager Derivatives Manager Offshore Banking Accounting Technician Banking International Accounting Standards Team Lead detective Portfolio Manager Credit Analyst Officer Credit Officer

    Skills

    Conduct Risk Control Team Management Account Management Anti-Money Laundering Opening/Closing Accounts Internal Control Macroeconomics risk reporting IFRS 9 Regular analysis of client accounts / projections

    Qualifications

    Mathematics Master Bachelor of Science Mathematics A Levels Mathematics A Levels PE A Levels Physics GCSE

    Employment History

    Commercial Banking Business Manager

    2019 - Present

    Al Rayan Bank PLC 2 Years ------- * Managing team of 3 experienced professionals from diverse background; primarily responsible for accounts management and clients' on-boarding. * Overseeing the on-boarding of new clients to ensure that all extreme and high risk accounts are signed-off by Financial Crime Unit (FCU) and medium and low risk accounts by Head of Commercial Banking (HoCB). * Supervise the remediation and periodic reviews for existing relationships. * Recognition of extreme / high risk factors including PEPs, adverse media, reputational risks and other compliance / financial crime triggers for EDD and escalation to the MLRO / DMLRO and / or AMLOC. * Ensuring account opening documentation and relevant approval records are retained properly in internal database and monitor the receipt of any outstanding documentation within the required timeframe. * Continuous active engagement with RMs to share and educate KYC and AML related guidance, with the objective to improve the standard and quality of KYC and CDD / EDD across commercial banking. * Understanding compliance queries, identifying trends to improve internal controls, procedures and checklists for the KYC on-boarding team.


    Portfolio Manager

    2018 - 2019

    * Representing Portfolio Management, with an active role in various Committees; including Credit Risk Committee (CRC), Conduct & Operational Risk Committee (CORC), Programme Steering Group - Risk Management Framework (PSG-RMF), Credit Sanctioning Committee (CSC) and Watch Accounts Forum (WAF). ------- * Conducting portfolio deep dives and horizon scanning, what if scenarios resultant from real estate market, macroeconomics and risk reporting. * Escalating early warning indicators and breaches to the relevant department. * Completing assurance testing on key controls, to ensure effectiveness and managing residual risks. * International Financial Reporting Standards - IFRS9 impact reporting, establishing in life updates to slotting, PD and LGD modeling at times of Credit events or annual reviews. * Providing leadership, management and execution for a variety of areas including Executive (CCO) presentations and high level dashboard / metrics reporting.


    Operational Risk Manager

    2018 -

    * Embedding of the Operational Risk Management Policy, Risk and Control Self Assessment Policy and other related standards within commercial banking. * Managing the Commercial banking risk register on Xactium. * Conduct Risk Control Self-Assessment (RCSA) to identify and assess prevalent operational risks and test the designing and effectiveness of varying detective and preventative controls. * Attend and add value to the Conduct and Operational Risk Committee (CORC). * Build strong relationship with all the key stakeholders.


    Enterprise Risk Manager

    2015 - 2018

    * Continually reviewing the Bank's risk management policies and procedures, in order to enhance monitoring and mitigate potential / existing risks. * Ensuring that all risks are mitigated with any proposed strategy, including reputational risks. * Managing a portfolio of non-performing credit facilities with values of up to £ 10M. * Regular analysis of client accounts / projections, in order to make recommendations and identify risks. * Monitoring, rehabilitation and restructuring of accounts, which are overdue and / or under financial stress. * Production MI reports for Senior Management, suggesting recommendations to the Credit Committee and presenting up to the CEO of the Bank. * Overseeing the Bank's transition to the new accountancy practice: IFRS 9.


    Credit Officer

    2015 - 2015

    * Producing reports detailing key risk and performance indicators. * Collating information on the UK property market and compiling other relevant statistics. * Ensuring all applicable documentation for credit applications is present. * Attending credit meetings and preparing minutes. * Maintaining the Bank's Operational and Enterprise Risk registers by liaising with internal stakeholders.


    Credit Analyst

    2013 - 2015

    * Preparing credit proposals, renewals and providing administrative support. * Compiling MI and other reports. * Researching credit applications, monitoring existing limits and facilities. * Liaising with clients to maintain good relationships.


    Accounts Officer

    2013 - 2013

    * Preparation and distribution of financial reports. * Reconciliation of internal and external accounts including nostro and vostro accounts. * Investigation and resolution of outstanding items on reconciliations. * Processing of accounting entries, including interest rate, maturity date changes. * Payment of invoices and managing third party contract payments.


    KYC Analyst

    2013 - 2013

    * Assisting with analysing, reviewing and assessing KYC / CDD files in relation to AML and Compliance policies. * Pursuing missing documentation regarding existing relationships and uphold banking practice. * Ensuring client files and static data are complete, up-to-date and stored effectively within the Banks system.


    Risk Management

    2012 - 2012

    * Coordination of the due diligence processes, procedures and practices. * Researching and dissecting financial information. * Collating information to compile data and management reports. * Updating company policies and financial reports. * Analysing data and production of reports. * Delivering presentations to senior management, enabling effective decision making.


    Team Leader

    2009 - 2013

    * Managing a small team, inputting stock and work-related information into the database. * Stock maintenance including store performance, sales, wastage, etc. * Assisting customers with queries and attendance of staff meetings.


    Education History

    Name of Institution: The Royal Institution of Great Britain

    Education Title: Mathematics Master

    Description: * Primary Mathematics Challenge Gold Award * Gifted & Talented - Mathematics Pascal's Triangle, Mathematical Threads, Mathematical Spent Matches 2, Mathematical Cracked Tiles and Mathematics Challenge. Relevant Insights * Four-day School's Programme hosted by J.P. Morgan * One-day Seminar hosted by Pricewaterhouse Coopers (PWC)


    2010 - 2013

    Name of Institution: University of Greenwich

    Education Title: Bachelor of Science

    Major: Mathematics


    2008 - 2010

    Name of Institution: St Martin's Sixth Form

    Education Title: A Levels

    Major: Mathematics, PE, Physics


    2003 - 2008

    Name of Institution: Sanders Draper School

    Education Title: GCSE

    Description: Professional Skills & Achievements


    Hobbies & Interest

    Interests Property renovation and improvement, various sporting activities including the gym, football and swimming, raising funds for various charities through sponsorships and donation.


    Personality Assessment data not available!


    Commercial Banking Business Manager CV Profile

    ######## #########

    ######, United Kingdom | Mobile: 0############ | Email: ############################### Summary

    A highly detailed oriented, dynamic, and dedicated professional carrying over 10 years of professional experience with extensive analytical skills and fully capable of working in fast paced business environments. Work Experience

    Al Rayan Bank PLC

    Commercial Banking Business Manager (Team Lead)

    2 Years August 2019 - Present

    Managing team of 3 experienced professionals from diverse background; primarily responsible for accounts management and clients’ on-boarding.

    Overseeing the on-boarding of new clients to ensure that all extreme and high risk accounts are signed-off by Financial Crime Unit (FCU) and medium and low risk accounts by Head of Commercial Banking (HoCB).

    Supervise the remediation and periodic reviews for existing relationships.

    Recognition of extreme / high risk factors including PEPs, adverse media, reputational risks and other compliance / financial crime triggers for EDD and escalation to the MLRO / DMLRO and / or AMLOC.

    Ensuring account opening documentation and relevant approval records are retained properly in internal database and monitor the receipt of any outstanding documentation within the required timeframe.

    Continuous active engagement with RMs to share and educate KYC and AML related guidance, with the objective to improve the standard and quality of KYC and CDD / EDD across commercial banking.

    Understanding compliance queries, identifying trends to improve internal controls, procedures and checklists for the KYC on-boarding team.

    st

    Risk Champion / Operational Risk Manager (1   Line of Defence)

    August 2018  t Present

    Embedding of the Operational Risk Management Policy, Risk and Control Self Assessment Policy and other related standards within commercial banking.

    Managing the Commercial banking risk register on Xactium.

    Conduct Risk Control Self-Assessment (RCSA) to identify and assess prevalent operational risks and test the designing and effectiveness of varying detective and preventative controls.

    Attend and add value to the Conduct and Operational Risk Committee (CORC). Build strong relationship with all the key stakeholders.

    Portfolio Manager

    August 2018 t July 2019

    Representing Portfolio Management, with an active role in various Committees; including Credit Risk Committee (CRC), Conduct & Operational Risk Committee (CORC), Programme Steering Group t Risk Management Framework (PSG-RMF), Credit Sanctioning Committee (CSC) and Watch Accounts Forum (WAF).

    Conducting portfolio deep dives and horizon scanning, what if scenarios resultant from real estate market, macroeconomics and risk reporting.

    Escalating early warning indicators and breaches to the relevant department.

    Completing assurance testing on key controls, to ensure effectiveness and managing residual risks.

    International Financial Reporting Standards - IFRS9 impact reporting, establishing in life updates to slotting, PD and LGD modeling at times of Credit events or annual reviews.

    Providing leadership, management and execution for a variety of areas including Executive (CCO) presentations and high level dashboard / metrics reporting.

    Habib Bank AG Zurich (UK) PLC Enterprise Risk Manager

    3+ Years November 2015  t August 2018

    Continually reviewing the Bank’s risk management policies and procedures, in order to enhance monitoring and mitigate potential / existing risks.

    Ensuring that all risks are mitigated with any proposed strategy, including reputational risks. Managing a portfolio of non-performing credit facilities with values of up to £10M.

    Regular analysis of client accounts / projections, in order to make recommendations and identify risks.

    Monitoring, rehabilitation and restructuring of accounts, which are overdue and / or under financial stress.

    Production MI reports for Senior Management, suggesting recommendations to the Credit Committee and presenting up to the CEO of the Bank.

    Overseeing the Bank’s transition to the new accountancy practice: IFRS 9.

    ######## #########

    ######, United Kingdom | Mobile: 0############ | Email: ###############################

    Credit Officer

    April 2015 t November 2015

    Producing reports detailing key risk and performance indicators.

    Collating information on the UK property market and compiling other relevant statistics. Ensuring all applicable documentation for credit applications is present. Attending credit meetings and preparing minutes.

    Maintaining the Bank’s Operational and Enterprise Risk registers by liaising with internal stakeholders.

    Bank of Beirut (UK) Ltd Credit Analyst / Officer

    2+ Years
    November 2013 t April 2015

    Preparing credit proposals, renewals and providing administrative support. Compiling MI and other reports.

    Researching credit applications, monitoring existing limits and facilities. Liaising with clients to maintain good relationships.

    Accounts Officer (Secondment)

    September 2013  t November 2013

    Preparation and distribution of financial reports.

    Reconciliation of internal and external accounts including nostro and vostro accounts. Investigation and resolution of outstanding items on reconciliations.

    Processing of accounting entries, including interest rate, maturity date changes. Payment of invoices and managing third party contract payments.

    AML / KYC Analyst

    February 2013  t August 2013

    Assisting with analysing, reviewing and assessing KYC / CDD files in relation to AML and Compliance policies. Pursuing missing documentation regarding existing relationships and uphold banking practice.

    Ensuring client files and static data are complete, up-to-date and stored effectively within the Banks system.

    Tesco PLC
    Team Leader

    4 Years
    September 2009 t August 2013

    Managing a small team, inputting stock and work-related information into the database. Stock maintenance including store performance, sales, wastage, etc. Assisting customers with queries and attendance of staff meetings.

    BACB PLC

    Summer Internship: Risk Management

    3 Months June 2012  t September 2012

    Coordination of the due diligence processes, procedures and practices. Researching and dissecting financial information.

    Collating information to compile data and management reports. Updating company policies and financial reports. Analysing data and production of reports.

    Delivering presentations to senior management, enabling effective decision making.

    HSBC Bank PLC

    School Work Experience

    2 Weeks

    Carrying out clerical duties and conversing with customers to resolve financial issues. Education

    University of Greenwich (2010-2013) t Degree St Martin’s Sixth Form (2008-2010)  t A Levels Sanders Draper School (2003-2008)  t GCSEs

    BSc (Hons) Mathematics First Class Mathematics A, PE A, Physics C 12 A* - B


    ######## #########

    ######, United Kingdom | Mobile: 0############ | Email: ############################### Professional Skills & Achievements Achievements

    Best Newcomer 2018 for Al Rayan Bank PLC

    Outstanding contribution 2017 for Habib Bank Zurich

    Report published for an online e-journal for cohort of Universities and prospective University students UAS  t 16 week programme teaching mathematics to secondary school students Peer mentoring at school and university (attended training)

    Jack Petchey Award  t Outstanding Achiever
    Leadership

    Co-founder of ‘Debating and Updating Club’ whilst at University Started a mathematics club for secondary school students Junior Sports Leadership Award

    Manager / Player of Sixth Form Football Team
    Computing Skills

    Competent using: Excel, Outlook, PowerPoint and Word Comfortable with: Matlab, Minitab and Simul8 Analytical Skills

    The Royal Institution of Great Britain - Mathematics Master classes Primary Mathematics Challenge Gold Award

    Gifted & Talented  t Mathematics Pascal’s Triangle, Mathematical Threads, Mathematical Spent Matches 2, Mathematical Cracked Tiles and Mathematics Challenge.

    Relevant Insights

    Four-day School’s Programme hosted by J.P. Morgan

    One-day Seminar hosted by Pricewaterhouse Coopers (PWC) Interests

    Property renovation and improvement, various sporting activities including the gym, football and swimming, raising funds for various charities through sponsorships and donation. References

    Available upon request.

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