Summary
Overview
Work History
Education
Skills
Certification
Timeline
Generic

Cesar Merhi

Bilingual Commercial Credit Analyst
Toronto,Ontario

Summary

Analytically inclined in Banking Operations, Credit Analyst, Finance, Accounting and Customer Service professional with 12+ years experience seeking diverse and challenging opportunities within a leading organization that will enable me to learn, grow and invest my acquired expertise in a dynamic environment where professionalism, teamwork, commitment and leadership are rewarded assets.

Overview

13
13
years of professional experience
7
7
years of post-secondary education
4
4
Certifications
2
2
Languages

Work History

Bilingual Commercial Credit Analyst

Citibank
01.2024 - Current

• Possessing and applying higher credit authority limit and sound judgment
• Working on complex projects under general supervision
• Reviewing commercial credit applications and credit line increase requests
• Reviewing consumer credit highline credit line increase requests
• Interacting with clients assigned through inbound calls and process queue work
• Assisting in performing credit decision using internal and external credit information such as credit bureaus, trade experience, personal guarantees, financial statements, and bank references
• Analyzing information to judge credit worthiness
• Assisting in client issue resolution and addressing credit needs
• Ensuring compliance to company and credit policies, auditing procedures, and department
goals and standards
• Ensuring consistency and quality of process and decisions across the company
• Supporting cross-training and line-balance opportunities to assist business partners
• Appropriately assessing risk when business decisions are made, demonstrating particular
consideration for the firm's reputation and safeguarding Citigroup, its clients and assets, by driving compliance with applicable laws, rules and regulations, adhering to Policy, applying sound ethical judgment regarding personal behavior, conduct and business practices, and escalating, managing and reporting control issues with transparency.
• Meeting obligations in respect to regulations, compliances and AML/AFT.

  • Streamlined credit approval process for faster decision-making through meticulous documentation and collaboration with senior management.
  • Enhanced team productivity through continuous process improvements, training initiatives, and sharing best practices within credit department.
  • Enhanced customer relationships through effective communication, timely responses, and providing tailored financial solutions.
  • Strengthened credit evaluation process by incorporating industry trends and macroeconomic factors into analyses.
  • Managed diverse portfolio of commercial loans, consistently meeting or exceeding performance targets.

Bilingual Customer Service Representative

American Express
03.2023 - Current
  • Deliver extraordinary customer care and value to Card Members in fast paced, highly regulated environment
  • Handle complex customer queries end-to-end, taking ownership and resolving concerns on First Contract
  • Ask probing questions to build rapport, understand customer profile and make tailored recommendations to increase customer loyalty and satisfaction
  • Synthesize information from multiple systems to create best possible outcomes for customers
  • Exceed monthly performance goals as outlined in metrics scorecard
  • Handling and following up on various cases such as Disputes, misposted payment, credit limit, rewards balances.

Manager of Finance & Accounting Department

CREDIT LIBANAIS BANK
06.2022 - 10.2022
  • Analyzed internal and external factors (political, economic, social and regulatory) affecting bank's financial and non-financial performance
  • Ensured all regulatory and compliance requirements are maintained
  • Implemented and forecasting annual operating budget
  • Supervised preparation of profit and cash flow forecasts
  • Maintained and growing business relationship with internal and external stakeholders including co-brand partners and other business partners.

Team Leader of Finance Section

CREDIT LIBANAIS BANK
01.2019 - 05.2022
  • Prepared the P&L, income statements and various studies related to the business (cards profitability; cards interest income ratio; projected market volumes, etc.)
  • Managed business offshore bank accounts mainly with Bank of New York and JPMorgan Chase
  • Monitored the data feed for position reconciliation, identify the gaps, perform root cause analysis, and update the relevant stakeholder
  • Reconciled with VISA and Master Card and controlling their daily settlements and monthly billings
  • Handled international account balances of member banks while coordinating with concerned party
  • Handled VIPs international inflow payments and coordinated with collection unit to ensure monthly settlement of credit card bills
  • Processed swift payments, rejections and reconciliations with other banks
  • Handled and followed up on claims/requests from branches and call center
  • Controlled daily payments to acquiring merchants
  • Controlled all payments and GL entries executed live and/or during testing.

Supervisor of Cards Operations Department

CREDIT LIBANAIS BANK
01.2016 - 01.2019
  • Drove card operations through transactional due diligence, ensuring delivery of customer service excellence and promptly reporting suspicious transactions
  • Led, Worked and handled wit IT and management projects to implement and improve successfully systems and processes with a view to constantly improving controls and efficiency (TSYS, Equation, Oracle)
  • Collaborated closely with stakeholders to define project scope, objectives and top priorities
  • Conducted risk assessments developed mitigation plans and quality assurance to reduce risks by 35%
  • Regularly reported project progress to senior management and stakeholders
  • Drove Bank Visa merchants Online Service for over 8500 users and monitored/controlled card holders' transactions
  • Continually monitored merchants' banking financial status and SOA, along with watch list account, including financial statement analysis, banking relationship management and banking information flow
  • Administered daily operations and account balances and improved processes and workflows for enhanced productivity and efficiency
  • Handled customer claims
  • Coached and guided staff on card operations and risk management, ensuring adherence to compliance
  • Controlled daily calculations and general ledger accounting entries
  • Controlled VISA, Master Card and AMEX daily settlements
  • Liaised with internal and external stakeholder on day to day business
  • Pursued effectively and efficiently the operations under my department with compliance with our internal and external regulators and AML.

Senior Clerk - Cards Operations Officer

CREDIT LIBANAIS BANK
01.2013 - 01.2016
  • Extracted daily and monthly reports (volume; transaction, etc.) related to daily activities
  • Solved related pending payment amounts with reconciliation unit
  • Responded to other banks reconciliation requests
  • Prepared free swift messages to execute necessary payments or rejections for merchants in addition to their free accounting vouchers and reports
  • Checked and activated all online statements signed by merchants or through phone calls request.

Junior Clerk - Cards Operations Officer

CREDIT LIBANAIS BANK
02.2011 - 01.2013
  • Processed daily flow with all secondary tasks
  • Executed stop payment with branches and other banks as requested from fraud unit or direct management
  • Executed refunds and charge back as requested from fraud unit
  • Executed all manual transactions received from merchants claims
  • Responded to merchants calls, requests and queries concerning any financial or technical problem and provided them with solution
  • Processed direct debit and incentive programs and sent them to other banks.

Education

Master of Science - Banking and Financial Support Services

Sagesse University
Lebanon
03.2018 - 05.2023

Bachelor of Science - Business Administration, Sciences

Arts, Sciences & Technology University, AUL
Lebanon
02.2013 - 05.2015

Skills

Problem-solving

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Certification

03/01/19, Visa Business Profitability Certificate

Timeline

Bilingual Commercial Credit Analyst

Citibank
01.2024 - Current

Bilingual Customer Service Representative

American Express
03.2023 - Current

Manager of Finance & Accounting Department

CREDIT LIBANAIS BANK
06.2022 - 10.2022

Team Leader of Finance Section

CREDIT LIBANAIS BANK
01.2019 - 05.2022

Master of Science - Banking and Financial Support Services

Sagesse University
03.2018 - 05.2023

Supervisor of Cards Operations Department

CREDIT LIBANAIS BANK
01.2016 - 01.2019

Bachelor of Science - Business Administration, Sciences

Arts, Sciences & Technology University, AUL
02.2013 - 05.2015

Senior Clerk - Cards Operations Officer

CREDIT LIBANAIS BANK
01.2013 - 01.2016

Junior Clerk - Cards Operations Officer

CREDIT LIBANAIS BANK
02.2011 - 01.2013
Cesar MerhiBilingual Commercial Credit Analyst