Customer Service Financial

Philippe EL MURR

KANATA, ON, K*W*A* Phone: 343-***-****

E: ********.******@*****.*** LinkedIn: https://linkedin.com/in/philippe-el-murr OBJECTIVE

Results-driven, yet customer oriented financial professional, seeking a job opportunity within a challenging environment wherein most of my skills in banking and finance will get utilized to the fullest SUMMARY OF QUALIFICATION

● Excellent command of figures and high analytical skills

● Expert in analysing companies’ performance

● Adept at issuing KPIs and Scoring models

● Well-Experienced in customer service, consumer credit risk and recovery of bad debts

● Strong written and verbal communication skills: English, French and Arabic

● Proficient in Microsoft Office

PROFESSIONAL EXPERIENCE

Senior Management Control Analyst Jan 12 – Feb 20

BLC bank s.a.l. (www.blcbank.com), Beirut, Lebanon

● Defined yearly budget according to the bank’ s strategic and financial goals

● Identified key variances from budget and proposed corrective actions

● Generated sensitive periodic management reporting

● Proposed KPIs and Scoring models and improved branches’ performance

● Realised deep dive profitability analysis (by branches, segments, customers, and products)

● Prepared and presented case studies to the top management Personal Loans Credit Analysis Team leader Sep 06 – Jan 12 BLC bank s.a.l. (www.blcbank.com), Beirut, Lebanon

● Enhanced the team’s performance to reduce customers’ complaints

● Evaluated clients’ credit risk to provide final decision on Personal Loans applications

● Boosted consumer loans revenues by recommending cross-selling opportunities

● Managed the pre-recovery debt phase and improved the collection ratio

● Reviewed and improved consumer loans procedures and workflow Consumer Credit Analyst Aug 03 – Sep 06

BLC bank s.a.l. (www.blcbank.com), Beirut, Lebanon

● Analysed clients’ credit data and financial statements for Housing Loans, Personal Loans, Car Loans and Credit Cards applications

● Investigated the financial standing and reputation of the credit applicants

● Verified with applicants specific financial and credit transactions

● Coordinated with branches to solve clients’ complaints Branch Advisor Aug 01 – Aug 03

BLC bank s.a.l. (www.blcbank.com), Beirut, Lebanon

● Fulfilled loans applications through in-person interviews (Consumer and SME loans)

● Disbursed loans after verifying that all the documents and requirements are provided

● Ensured adherence to bank’s policies, procedures

● Recommended products and services to clients

● Built strong ties with clients to maximise retention Fund Transfer and Trade Finance Officer Oct 99 – Aug 01 BLC bank s.a.l. (www.blcbank.com), Beirut, Lebanon

● Initiated and verified daily wire requests related to funds’ transfers

● Investigated doubtful money transfers and pending payment orders

● Studied Letter of Credits, Documentary Collection and Letter of Guarantees

● Issued Swift Orders and Remittance Letters

● Handled amendments and cancellations of Letter of Credits Consumer Loans Recovery Specialist Oct-98 – Oct -99 BLC bank s.a.l. (www.blcbank.com), Beirut, Lebanon

● Tracked Unpaid bills and notified clients accordingly

● Analysed customer needs and financial situation to propose appropriate solution

● Negotiated payments rescheduling with defaulted clients

● Coordinated with the credit department to get the required approvals ATTENDED SEMINARS

● GRID standards reporting

● Cost and profitability management in the banking sector

● Budgeting

● Loans problems & remedial solutions

● Stock Trading Basics

CERTIFICATIONS

2020 Registered to the course Investment Funds in Canada Canadian Securities Institute

2014 Certification in investment and risk

ESA Business School, Beirut, Lebanon

2012 Certification in Lebanese Banking Financial Regulations ESA Business School, Beirut, Lebanon

EDUCATION

2004 Master in Management (French state diploma)

Jean-Moulin University (Lyon 3, France)

2000 Master in Banking Law

La Sagesse University (Beirut, Lebanon)

1997 Degree in Law

Saint-Joseph University (Beirut, Lebanon)

(Equivalent to a four-year Bachelor’s in Law from a Canadian university, as determined by Comparative Education Service, Toronto, ON)

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