Scotia Mclean

ACSI, Dip. FSM

Summary

I am an experienced Banker and a strong team player; I deliver accurate and timely work and enjoy working under pressure. I have experience in both Corporate and Private Wealth Management and a disciplined ability to identify and assess risk and appropriate levels of return .I am committed to providing a professional client service relationship to all shareholders.

A self-starter with determination, in my current role I have managed to reduce all facilities that have expired and not currently been renewed from 40% of the total loan book to zero in the last 6 months. Documenting processes and streamlining tasks wherever possible are also roles I enjoy and excel at. I am eager to take the lead if the opportunity arises, but I also have experience in assessing, coaching and acting as mentor.

Work History

Work History
Feb 2014 - Present

Assistant Manager

Credit Risk Standard Bank Offshore Group, Jersey

My role is very varied and requires me to be multi skilled in several areas. The bank offers bespoke credit facilities as part of its private client offering, this includes lending against UK & Overseas residential property, portfolio leverage, structured products & cash back lending.

  • Review and sanction of new and existing credit facilities, preparing facility and security documentation, through to ensuring all documentation is completed and security is in place so that loans can be drawn down.
  • Monitoring of various assets which are held as security for loan facilities, Portfolio's, Property, Cash, Structured products, Life Insurance policies.
  • Preparing and being the first point of contact for internal and external auditors, ensuring that we provide all the required data and information to satisfy the auditor's requirements.
  • Compile and produce monthly/quarterly management information, which details the size and structure of the loan book, sector and geographic concentration, maturity analysis, general and specific debt provisioning and stress testing.
  • Regulatory reporting is also another area I cover in this role. Ensuring that the bank does not breach local regulations on aggregation and other non-bank exposures and returns are completed in a timely manner. Monitoring capital usage and ensuring that we adhere to the Basel framework from a credit risk perspective.
  • I am also the secretary for the credit committee, this involves organising meetings, ensuring there are sufficient members present for the meeting to meet it's quorum, preparing and distributing the agenda, taking minutes and following up on any action points.

Recently, I was part of a small committee within the bank that organised the trip of a lifetime for a student and headmaster from Mifumi School in Uganda to Jersey and the Isle of Man. The main aim was to raise awareness of the school and charity and build links with local schools in Jersey. The trip was a huge success and culminated with a gala dinner, which was my task to organise. Throughout the trip and gala dinner we managed to raise£ 24, 300 our original target was£ 20k by the

Oct 2011 - Jan 2014

Associate Director

Standard Chartered Bank, Jersey

­ Associate Director Managing a mixed portfolio of clients with combined assets of approx.£ 35m I communicated with clients daily by phone, email and face-to-face, completed annual reviews and cross selling where the appropriate opportunity arises and keeping them up to date with market climates in a proactive manner.

● Ensuring all KYC and Client Due Diligence is acceptable and compliant with regulatory requirements

● Onboarding of new clients

● Advising on investment products including, Equity, bond, Funds, private Equity, Commodities, Currency and Discretionary Portfolios

● 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 in FX, Equity, Fixed Income, Funds and Derivatives on behalf of clients, ensuring timely settlement and best market practice.

● Transfer in and out of client investment portfolio

● 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 by circa 30%

Apr 2008 - Oct 2011

Private Banking Officer

SGPB Hambros, Jersey

● I provided support to three senior private banker, acting 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 at their request.

● 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 - Mar 2008

Customer Relationship Advisor

Banco Santander, Jersey

— Customer Relationship Advisor 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 upselling products & services

● User acceptance testing and project work on upgrading IT systems within the bank

Feb 2005 - Oct 2007

Team Officer

HSBC International, Jersey

I achieved several awards for performance and in, I was chosen to attend a 3­ day trip to the Banco Santander headquarters in Madrid, Spain. — March 2006 Premier Team Officer The Premier Aspirant area of HSBC International is primarily aimed at individuals with a net worth position of£ 20­ 60k. My role involved upselling the premier proposition to clients.

● Cross selling a wide range of products(Savings, loans/Mortgages, current Accounts).

● Promoting the bank's 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. In 2005, I was promoted to Team Premier because 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.

Oct 2003 - Feb 2005

Duty Manager

Best Western Royal Hotel, Jersey

— Duty Manager The 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 coordinating events from the first meeting with the client through 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

Education

Education

Certificate

Diploma

Skills

Skills
8
8
Regulatory Reporting

Aggregation, prudential returns, Basel II, capital and liquidity monitoring and reporting. Liaising with internal and external audit and stakeholders.

8
Credit Risk

Review, evaluation & sanction of credit facilities secured against property, investments (including single line stock, structured notes, portfolios & life insurance policies), cash backed and guarantees. Liaising with lawyers & valuers to ensure a seamless draw down process.

8
Relationship Management

Ensuring clients are satisfied with the service and products they have and exceeding expectations whenever possible. Building relationships with the client to increase wallet share and build a profile of the client so that KYC & source of wealth information is sufficient.

8
Investment Managment

Advising and managing investments / portfolios on behalf of clients on a discretionary and advisory basis. Including equity, fixed income, mutual and hedge funds, structured notes and commodities.