If you are interested in this candidate, please contact Richard Lalchan via email rlalchan@cerfinancial.co.uk or call on 0207 626 6065.

00220510

PROFILE:

A confident, versatile and enthusiastic Loan Administrator with extensive Financial Assessment Manager/ Payments Officer experience.

Respected and committed professional with over 20 years’ experience in banking and public service sector, worked on transformation programs, financial analysis, and payments processing.

Professional with experience in the management of payment investigations, risk mitigations, and financial controls for leading the UK and global organizations.

Passionate individual, working in a strategic capacity to the highest standard with stakeholders across all levels of seniority within organizations.

Looking for a new challenge in an organization that has a strong work ethic in a fast-paced environment whilst continuing to learn.

ACHIEVEMENTS:

• Managed seamless EMEA payment flows for high-profile individual consumers, middle-market businesses, large corporations, and governments (Bank of America Merrill Lynch)
• Played a pivotal role in delivering 100% of financial assessments within the largest transformation in the Post Office’s history, encompassing the analysis of 4000 business plans for over 6000 branches
• Achieved exceptional levels of customer satisfaction through the effective leadership of Customer Service Agents (Post Office)
• Performed complex payment investigations and rapidly resolved various critical issues within a highly regulated environment (RBS)

KEY SKILLS:

Personal:

• Proactive and supportive team player
• Capable of building strong working relationships across all levels
• Ambitious and dedicated
• Experienced in all aspects of financial assessments and payments processing
• Accomplished in global operations and major transformations
• Strategically astute and forward-thinking
• Highly organised and able to effectively prioritise tasks
• Loyal to employers and organisational values

Specialist:

• Financial Assessments
• Quality Management and Financial Controls
• Payment Processing & Investigations
• Change & Transformation Programmes
• P&L, Balance Sheet and Business Plan Analysis
• Customer Service
• Risk Mitigation
• Team Leadership
• Stakeholder Management

IT:

• MS Office Suite
• Loan IQ
• Project Place
• Issue Management
• Contact World
• SharePoint
• SAP Net Portal Weaver
• V-Look Up

CAREER HISTORY:

January 2023 - Present

Corporate & Investment Bank

BSG Loans Analyst / Supply Chain Finance

• Assist in processing a portfolio of complex Agency transactions (Agent only, Agent and Participant and liaise between the Middle office and the external client to ensure timely and efficient communication
• Assist in processing a varied portfolio of Secondary loan Trading transactions, Participant, Bilateral, and Syndicated committed/ Uncommitted transactions to monitor and control the end-to-end process
• Assist in processing participation into supply chain finance programs/ offers and receivables and supply chain finance solutions, cash Management
• Analyse the transmissions sheet & associated Loans documentation in order to provide opinion on the technical operational clauses of the contract
• Capture and Maintain static data into Loan management tool diary and fee system
• Maintain and update the Eboni Loans portal/ Loris
• Ensure that high Level of interaction and communication is maintained with middle office team to ensure full knowledge of developments in all facilities
• Advise all parties of decisions or events within the life of the loan
• Check all Drawdowns, Rollovers, (increase/decrease), repayments, prepayments, rate fixes, utilisations, fee booking, facility set up
• Confirm Collateral/ Guarantee documentation is in line with the facility documentation
• Processing and calculation of various fee types, commitment
• Nostro reconciliation

October 2021- December 2022

Banking

Commercial Real Estate Associate - Primary Loan Origination Loan Closer

• Responsible for ensuring all operational requirements are met for booking/funding new deals primary loan transactions, loan migration, Deal build set up, and Deal Closing in Loan IQ in Commercial real estate business
• Involved in new Primary deals from the draft documentation stage, conducting an operational review of documentation, manual funds flow
• Liaise with senior business stakeholders. clients and representatives, legal both internal & external
• Responsible for query resolutions on all aspects of loan booking maintenance, Nostro reconciliation
• Collateral booking
• KYC Checks
• Facility extensions/ Amendments

January 2021 - October 2021

Banking

Associate, Loan Market Operations (Contractor)12M FTC

• Daily processing (Participation) Syndicated Loan booking new drawdowns, rollovers repayments, prepayments, break cost, and fees, rate fixing, and manual swift payments are processed within required deadlines in Loan IQ, Midas Q International
• Maintain data Integrity in the bank’s systems, closely monitor the credit limits, and loan data
• Handle loan enquires and related matters independently raised from internal and external parties
• Adhere to operational procedures to ensure compliance with the bank’s guidelines and relevant regulatory requirements
• Daily Monitoring and downloading financial loans diary report, scheduled activity report
• Monitoring team email inbox queries internal and external
• SBLC, LC Processing New, Increase, decrease, repay

June 2020 – August 2020

Banking

Loans Operations Specialist (Temp contractor)

• Processing (Participation) loans, new drawdowns, rollovers repay, rate fixing, and manual swift payments are processed within required deadlines in ACBS, Loans plus
• Liaising with stakeholders including front office and operations to ensure smooth processing.
• Liaise with external and internal parties, responding to inquiries.
• Dealing with team email inbox queries internal and external
• Processing of Düsseldorf bilateral guarantees new requests, batch entries, fees, and courier charges in Midas plus
• Cancellation, amendments, extensions

August 2019 – February 2020

Banking

Loans Agency EMEA Administration

• Managing loan portfolio transactions, processing of syndicated deals & Bilateral deals, new drawdowns, rollovers, repayment, prepayment, break costs, processing agency fees, commitment fees, rate fixing, and all aspects of the loan processing area relating to Loan agency Administration and Loan documentation in loan IQ system
• Processing of Commercial real estate Loan deals
• Reviewing and clearing of Nostro and suspense account reconciliation breaks.
• Claiming and collection of all fees and interest relating to the above products.
• Provide excellent internal and external customer service.
• Dealing with team email inbox queries internal and external

January 2019 – July 2019

Banking

Loans Agency EMEA (Administrator) Contractor

• General Loan Agency administration processing in Loan IQ system, syndicated deals, and bilateral deals, new drawdowns, rollovers, repayments, rate fixing, prepayments in accordance with agreed & documented workflows
• Nostro Reconciliations and ongoing queries
• Loan agreement documentation checking
• Manual SWIFT payments
• Processing Upfront fees /Agency Fees, Commitment fees
• Processing Secondary Loan Trade Leverage deals in Loan IQ, checking documentation, transfer certificate received from the front office team
• Participation in processing new drawdowns, rollovers, discount loans,

November 2017 – December 2018

Banking

Credit Services Representative Loan Operations EMEA

• Responsible for processing Corporate and Commercial Loans Bilateral, Syndicated deals, New Drawdown, Rollover’s Prepayment, Repays, Libor Rate Fixings, FX Rates, Fee Calculations, and Nostro Reconciliations
• Billing Client’s Commitment fees
• Reviewing Loan Documentation
• Booking and maintenance of Loan portfolio on the banks in house Global banking system
• Supporting all business partners across the organization

October 2016 – November 2017

Banking

Payment Operations Analyst EMEA

• Playing an integral role within the payments Traffic Control Operations (TCOP) team, proactively managing payment flows in the EMEA region for this world-leading financial institution
• Monitoring the daily processing of wire MT103, MT202, SEPA, Faster payments, Target 2, Chaps, BACS and ACH transfers in line with company guidelines, so as to ensure the smooth operation of systems and interfaces
• Escalating system application issues as appropriate and troubleshooting any outstanding issues
• Relationship management with colleagues and senior leadership
• Representing TCOP at project meetings, system/application incidents, project UAT and weekend certifications
• Completing daily/monthly logs of all activities

January 2013 – October 2016

Post Company

Financial Assessment Manager (contract)

• Key role within Head Office, carrying out financial analysis and assessment reporting as part of the major transformation project
• Analysed and reviewed 3-year business plan projection forecasts, P&L statements, balance sheets, and loan & leasing documentation
• Verified criteria and submitted financial assessments for management approval, subsequently drafting letters of approval to agents
• Established key stakeholder relationships to manage expectations and effectively resolve issues in a timely manner
• Analysed the Customer Policy in line with company guidelines to ensure robust quality management of financial controls

July 2012 – December 2012:

Post Company

Service Issues Manager (contract)

• Managed service issues across multiple branches
• Liaised with key stakeholders regarding critical issues and collated supporting documentation for agents and/or central scheduling teams

March 2012 – July 2012

Posy Company

Issues Team Admin Helpdesk Advisor (contract)

• Key role as the first point of contact for Sub-Postmasters with program queries and managed the logging, updating, and closure of records within the issue management database
• Responsible for general inquiries and service issues raised by customers
• Collated essential information (e.g. branch estate surveys) and owned the communication of progress updates and resolutions across all key stakeholders

January 2012 – March 2012

Financial Services

Data Entry Administrator (contract)

• Processed large volumes of supplier invoices to boost company operational efficiency
• Undertook a wide range of ad-hoc administration tasks in line with company guidelines

2006 – 2009

Banking

Customer Service Associate – Swift Payment Processing

• Established strong working relationships with customers and departmental staff so as to efficiently and effectively deal with inquiries, transactions, and service issues
• Performed a wide range of administrative duties including processing swift/sterling/currency payments, processing CHAPS, reviewing cheques, and processing BACS payments
• Processed bank transfers between accounts for corporate customers
• Reviewed all company policies to ensure accurate payment investigations and risk management processes

Further Roles:

August 2011 – December 2011

Investment Banking

Mail Room Messenger (contract)

2010 – August 2011

Legal

Legal Clerk

1998 – 2006

Retail

Department Manager

1996 – 1998

Truck Parts Supplier

Office Assistant/Manager

EDUCATION:

1987 – 1992: SECONDARY SCHOOL

• ENGLISH LITERATURE GRADE E
• ART & DESIGN GRADES F

REFERENCES AVAILABLE UPON REQUEST

If you are interested in this candidate, please contact Richard Lalchan via email rlalchan@cerfinancial.co.uk or call on 0207 626 6065.

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