Haroon Aslam-Hulme Email and Phone Number

• Conducting KYB analysis to identify,record and escalate risks.• Identifying Key Principals and Beneficial Ownership tructures and conducting KYC/Due Diligence and Source of Wealth/Source of funds reviews.• Good understanding of KYC, KYB, Due Diligence/Enhanced Due Diligence, Anti-Money Laundering, Anti-Terrorist Financing and Source of Wealth/Source of Funds requirements.• Identification and escalation of regulatory, Financial Crime/AML, Sanctions and regulated or prohibited sector concerns and adherence to TCF, compliance, credit, operational, regulatory, control conduct risk policy.•Making informed decisions regarding credit, preparing submissions for referring cases for additional checks and handling relationship or credit Declines.• Proactively working in adherence to appropriate risk appetites, control frameworks, regulatory, operational and control processes and procedures to deliver strong and responsible risk management.• Delivering consistent Self Assurance Results, Quality lending referrals, timely completion of tasks and meeting all AML responsibilities.• Utilising Customer relationship management tools to effectively record, monitor and progress prospects from initial contact.• Conversing at Owner and Director level building rapport and trust to develop lasting and durable relationships through delivering quality customer conversations and correspondence.• Utilising understanding of SME environment, financial and market concerns and opportunities to provide specialist business financial support.• Creating value for the business by taking ownership for retention and growing market share by promoting Asset, Deposit and lending growth to drive income generation through business partner and lending referrals.• Acting as a point of escalation for customers regarding processes and products, giving direction and clarity to ensure a fair outcome, fulfil customers’ requirements and enhance customer experience.

Relationship Management of a portfolio of High Risk Business Banking/Commercial mortgage customers.•Identifying Key Principals and Beneficial Ownership structures to conduct High Risk KYB/KYC analysis and Source of Wealth/Source of funds reviews.• Good understanding Due Diligence/Enhanced Due Diligence, Anti-Money Laundering, Anti-Terrorist Financing.• Identificationof regulatory, Financial Crime,AML,ABC, Sanctions and regulated/prohibited sector concerns.• Adherence to credit stewardship principles and presenting appropriately structured credit proposals to underwriters. • Logging,reviewing, clearing or escalating AML alerts.• Awareness of and adherence to legal and regulatory frameworks,ensuring quality of sampling and audit compliance.• Quantitative and qualitative analysis of account and relationship history to identify patterns and risk indicators.• Interpretation of financial data including Annual Accounts, Profit and Loss, Balance Sheet and Cash Flow Forecasts.• Awareness of sectoral, legal, reputational and ethical considerations.• Making quick and dispassionate assessment of underlying viability of business relationships and taking steps to protect the banks position.• Composed,delivered and monitored appropriate, individual, bank driven strategies for turnaround or recovery which were clear and constructive.• Managing complex and distressed lending positions in a sympathetic and assertive manner.• Communicating clearly and effectively verbally and in writing at Director/Owner level and negotiating assertively.• Built trust and transparency to create sustainable customer relationships.• Support customers to achieve turnaround, or sale of going concerns or security.• Effective forecasting and calculation of credit risk through assessing security, ensure sufficient capital allocation and realise asset value recovery.• Handling deteriorating and material loss positions in Liaison with 3rd parties to mitigate impairment risk in insolvency.