Chris Parras CeMAP

Experience

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  HBOS

  Jan 1999 - May 2001

  Senior Credit Risk Analyst

  Sharedealing Risk & AML Team

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  Bank of Scotland - Private Banking

  Apr 2006 - Sept 2012

  -Personal Lending Authority: £25k unsecured, £50k secured.-Manage a discreet portfolio of high net worth clients to ensure that through proactive reviews clients’ expectations and requirements are achieved, and sales targets and service levels exceeded.-Full understanding of lending assessment techniques to ensure that risk and reward are in harmony.-Understand and utilise sales best practices using daily/weekly MI to help achieve targets and identify shortfalls.-Work within a rigorous risk framework at all times, maintaining a full understanding of all regulatory requirements to guarantee full compliance when dealing with clients.-Maintain a high profile of involvement and support with colleagues and management across Private Banking.-Work effectively with other areas of the Group to ensure that individual actions complement the objectives of other areas of the business.-Identify areas for development, colleague and client feedback, and continually manage ownperformance against the changing needs of the business.-Maintain QSF Benchmarks Show less Private Banking Lending Analyst/ Support Team Leader, Bank of Scotland, Ipswich-Assist in the control and monitoring of the client office lending portfolio.-Use of knowledge and experience in the field to support team members in the management of creditapplications.-To develop and grow own client portfolio using industry and product knowledge and take full responsibility for ensuring all lending related returns are managed efficiently and within prescribeddeadlines.-To lead, develop and coach direct reports thus ensuring a high standard of service from the customer support team.-Bench marking teams activities and contribution towards office targets and deadlines. Show less

  • Private Banking Relationship Manager

    Jun 2008 - Sept 2012

  • Private Banking Lending Analyst/ Support Team Leader

    Apr 2006 - May 2008
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  Lloyds Bank

  Jan 2012 - Jan 2012

  Relationship Manager
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  Handelsbanken

  Oct 2012 - Jan 2016

  Assist in providing branch support for the systems and processes owned by the department. Play an integral part of system maintenance and product development processes. As a member of the system owner team, I provided the knowledge to the business in core systems owned by my department which covered loans, deposits, current accounts, cash pools, Risk, Collateral, internet banking, customer registration systems etc. My responsibilities included:-System testing for maintenance, changes and new product development Work with system owners and system owner support staffSupport for the branch network on our systemsAssisting with writing and maintaining instructionsEnsure system integrity is achieved and maintained Assist with deliveries and system implementations Show less • Work within a rigorous risk framework at all times, maintaining a full understanding of all regulatory requirements to guarantee full compliance when dealing with clients.• Maintain a high profile of involvement and support to both the Branch Manager and colleagues in the branch.• Ensure business goals of keeping costs down and excellent customer service are achieved. • Assist branch manager with the day to day branch operations including Health and Safety, Compliance, Invoicing, Branch Fire Drills, First Aid, requisition and marketing initiatives. • Preparation of facility letters and other account documentation.• Completion of all documents for lending facilities following credit approval through to draw down, including instructing and being the ongoing liaison with lawyers and valuers.• Conduct ongoing client annual reviews to ensure compliance with audit requirements.• Account administration of new and existing customers including significant direct customer contact. Show less

  • Project & Branch Support

    Jan 2014 - Jan 2016

  • Account Manager

    Oct 2012 - Apr 2014
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  Handelsbanken

  Apr 2019 - now

  Agile Product Manager