Experienced Risk, Finance Professional

Available

Serial No: 14396

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Skills keywords: credit, investments, private banking, wealth management

Short Bio:

An accomplished professional with a strong background in the finance sector, who works to a high degree of accuracy and detail coupled with a strong sales record. Established management and leadership skills, alongside experience in the development and delivery of training. Excellent interpersonal and networking skills.

Current location:  Jersey - View on map

Nationality: British

Preferred Sector of Employment:  Banking Insurance and Financial Services, accounting and finance

Spoken languages: english

Location I am interested in working: Anywhere

Education/Qualifications

Chartered Institute for Securities & Investments
Level 3 Certificate in Investment Management
Completed April 2011

Associate Member of the Chartered Institute for Securities & Investments

IFS School of Finance
Professional Diploma in Financial Service Management
Completed June 2009

NVQ Level 2 in Leisure & Tourism
Completed July 1998

Sep 1991 to Jun 1996
Walmer Science College, Deal, Kent
7 GCSE’s including English, Math’s, IT and French

SOFTWARE/SYSTEM SKILLS
Microsoft: Office, PowerPoint, Visio, SharePoint
Banking Platforms: Hub, Milvus, Globus, Olympic, Triple A, DIP, Synergy,
SAP,Pershings/Nexus,Datastore

Professional Experience

February 2014 – Present
Assistant Manager – Credit Risk
Standard Bank , Jersey, Channel Islands

Working within the risk team primarily focusing on credit facilities offered to HNW private clients, Intermediaries, Counter parties and monitoring the bank’s exposure to other financial institutions.
• Analysis, approval and sanctioning of new credit applications and increases or amendments to existing facilities.
• Review and renewal of existing facilities
• Monitoring of the banks collateral placements with other financial institutions and ensuring our overall exposure stays within group and regulatory limits.
• Regulatory reporting
• Preparing and compiling management information on a monthly and quarterly basis
• Reviewing concentration and sector risk within the overall loan book
• Periodic monitoring of investment portfolios and other financial market instruments which are held as collateral
• Credit structuring, pricing and remuneration modelling
• Liquidity and capital management within the local and offshore group

Oct 2011 to Jan 2014
Associate Director – Europe Region
Standard Chartered, Jersey, Channel Islands

Managing a mixed portfolio of clients with combined assets of approx. £35m
• Communicating with clients daily by phone, email and face to face.
• Ensuring all KYC and Client Due Diligence is acceptable and compliant with regulatory requirements
• Completing annual reviews with clients
• Fact finding and spotting sales opportunities then following up with recommendation’s to clients
• Advising on investment products including, Equity, bond, Funds, private Equity, Commodities, Currency and Discretionary Portfolio’s
• Keeping clients up to date on current market climates
• Credit structuring and renewal of existing facilities
• Working with in house Fiduciary and Trust specialist where appropriate
• Ensuring adherence to all AML and local regulations. This included completing KYC reviews, source of wealth history, and origin of funds, transaction monitoring and suspicious transaction reporting where required
• Training and development of junior staff in client relationship building, sales technique and market awareness
• Trading on all major markets on behalf of clients, ensuring timely settlement.
• Transfer in and out of client investment portfolios
• I achieved a U$ 10m growth in AUM’s for my portfolio in 9 months.
• I moved all clients on to standard pricing increasing revenue
• I managed 165 of clients.

Apr 2008 to Oct 2011
Private Banking Officer,
SGPB Hambros, Jersey, Channel Islands

Providing support to three senior private bankers as the main point of contact for a variety of clients and third parties. The majority of clients were based in Jersey with AUM’s were of approx. £150m.
• Foreign exchange transactions (Spot/ forward) up to GBP 5 million Payments (SWIFT/BACS/CHAPS)
• Trading Equities, Funds, Bonds, Commodities on behalf of clients (up to a value of £XX)
• Liaising with external fund managers, to set up investment companies and private equity funds
• Opening new accounts, collecting required KYC, CDD
• Ensuring that all regulatory requirements are met
• Anti-Money Laundering & Fraud prevention
• Researching, budgeting and organising events and marketing from start to finish for events in Jersey, Guernsey and the UK for existing and prospective clients.
• Arranging travel for relationship managers and clients.
• Attending local networking events, Chamber of Commerce lunches, supporting local charities on behalf of the bank.

Apr 2006 to Mar 2008
Customer Relationship Advisor
Banco Santander, Jersey, Channel Islands

My main role involved servicing clients day-to-day banking requirements, and advising on products & services offered by the bank. I was also actively involved in cross-selling appropriate products. Managing leads from prospective clients via phone, email, internet and referrals from other areas of the bank. User acceptance testing of new banking platforms. Training staff on how to use this system
• Payments (SWIFT/CHAPS/BACS)
• Foreign exchange transactions
• Promoting / Selling Structured products
• Advising clients on new and existing products and services
• Training & Coaching of new staff on IT systems, verification of clients and up selling products & services
• User acceptance testing and project work on upgrading IT systems within the bank
• I achieved several awards for performance and in October 2007 I was also chosen to attend a 3-day trip to the Banco Santander headquarters in Madrid, Spain

Nov 2005 to Mar 2006
Team Premier Officer
HSBC International, Jersey, Channel Islands

In 2005 I was promoted to Team Premier as a result of my performance in the Premier Aspirant Team. Team Premier deal with all new to premier and new to bank premier customers with a net worth of £60k or above.
• Dealing with existing premier customers and their day-to-day queries and needs on and inbound basis
• Outbound calling to existing & new premier customers
• Conducting individual service reviews and recommending or cross selling products and services as appropriate

Feb 2005 to Nov 2005
Premier Aspirant Officer
HSBC International, Jersey, Channel Islands

The Premier Aspirant area of HSBC International is primarily aimed at individuals with a net worth position of £20-60k
• Meeting business needs by up selling customers to the premier proposition
• Cross selling a wide range of products (Savings, loans / Mortgages, current Accounts)
• Promoting the banks Wealth Management service and making referrals to financial planning managers
• I took on several projects including targeting high net worth customers living within the region of our representative offices. The project resulted in over GBP £100 million worth of IWM referrals being made to our Dubai office.

Oct 2003 to Feb 2005
Duty Manager
The Best Western Royal Hotel, Jersey, Channel Islands

Duty Manager is a pivotal role in any hotel. I was responsible for the smooth day to day running of the hotel, including staff management, customer satisfaction and event management.
• Managed customer complaints
• Staff Recruitment & Training
• Promoting the hotel as a venue for various events.
• Preparing and overseeing budgets and staff resources
• Planning and co coordinating events from the first meeting with the client to the day of the event. These events included weddings, family gatherings, corporate events, social events.
• Liaising with third party suppliers.
• Dealing with HR Issues

May 2003 to Sep 2003
Head Receptionist
The County Hotel, Canterbury, Kent

In this role I was primarily responsible for ensuring that the first impression we made on our guests was a positive one.
• Taking reservations by phone, fax, email, face to face
• Checking guests in and out of the hotel
• Running the end of day processing and cashing up
• Organised basic Fidelio (in house reservations system) training so that all front office staff where able to take reservations out of hours

Aug 2002 to May 2003
Head Receptionist
The Dover Court Hotel, Whitfield, Kent

In this position I looked after a team of 2 other staff ensuring that we offered the best possible customer service. As the hotel was not part of a chain we were the first port of call for all potential & existing customers
• Taking reservations by phone, fax, email, face to face
• checking guests in and out of the hotel
• Running the end of day processing and cashing up.

Oct 2001 to Aug 2002
Duty Manager
Walletts Court Hotel & Spa, Dover, Kent

Whilst working at this hotel I primarily worked in the restaurant overseeing the staff during service assisting  where necessary and checking guests in and out during the course of the day. I would also run the end of day and take reservations for the hotel, spa & restaurant, as this was a small family run boutique hotel, my role could be quite varied from one day to the next and I would also be on duty overnight in case problems arose.

Mar 2000 to Sep 2001
Yard Manager
Braeside Equestrian Centre, Dover, Kent