Rami Bahroun has over 8 years of experience in the banking industry. He holds a Bachelor's Degree in Commerce with a major in Accounting and is fluent in English, French, and Arabic. Currently, he works as a Senior Credit Control Officer at CIBC in Montreal, where his responsibilities include verifying loan documentation, reviewing security documents, analyzing issues, and ensuring compliance. Previously, he held credit and operations roles at Barclays Bank and worked in retail operations and sales at various companies in Saudi Arabia, Egypt, and Canada.

1. RAMI BAHROUN
Adresse:1003 Boulevard du Lac
Deux Montagnes, QC, J7R 1B6, Canada
Phone: +1-(514) 623-0005
Email: ramousha78@gmail.com
Qualification summary
More than 8 years of working experience in the Banking industry.Hold a Bachelor Degree in Commerce with a major in Accounting.
Fluent in English,French and Arabic
Professiona l Skills and Capabilities
 Excellent Knowledge of and ability to use office supporttools (Word, Excel, Outlook, PowerPoint).
 Excellent Knowledge of personal and commercial loans/securities documentation,compliance,auditand control
requirements and procedures.
 Ability to effectively transmit, receive, and accurately interpretideas,information,and needs through appropriate
communication behaviors,tools and techniques.
 Ability to analyzesituations fully and accurately,and reach productivedecisions.
 Ability to manage multipleconcurrent objectives or activities,makingeffective judgments as to prioritizingand time
allocation.
 Very good knowledge of process,tools and techniques for assessingand controllingan organization’s exposureto risks of
various kinds.
Experience
Canadian Imperial Bank of Commerce – Montreal, Canada 2010-Present
Senior Credit Control Officer – Small Business, Commercial and Private Banking
 Verify loan/security documentation/creditagreements againstRisk Management approval conditions to ensureaccuracy
with clients Articles of Incorporation and SigningAuthorities.
 Review Articles of Incorporation to ensure correct corporatename is used in Credit Agreement and,where applicable,
confirmborrowingpowers
 Verify signatures in all CreditAgreements againstsigningauthorities where applicable
 Verify that terms and conditions of loan security documentation are recorded accurately on the appropriate
documentation/systems (e.g., MIF, CEAS, Siebel, CLASS, LAS systems/ iCAP)
 Ensure the receipt and completeness of loan/security documentation is received from branches,PWM, clients and/or
solicitorsand if irregularities exist,follow-up to ensure outstandingissues areresolved and/or documented as appropriate
 Review all solicitor prepared negotiableand non-negotiable security includingthe SolicitorsLetter of Opinion to ensure
security is indicated as required within the approved creditand Credit Agreement.
 Verify all security documents are returned and executed in accordancewith clientSigningauthorities.
 Ensure quality checks havebeen completed if applicable;ensureall creditadjudication approval conditions on the terms of
the loan security requirements are complied with prior to advancingfunds.
 Analyze issues/problems to identify root causes to resolvediscrepancies,takinginto consideration thesituational factors
and existingprocedures and policies to ensureclientsatisfaction.

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 Report and maintain records of all creditirregularitieswithin the NCR or Un-reportable Irregularity Log and escalatenon-
complianceissues to the next level of management to adviseof potential risk.
 Renew loans ensuringthatterms and conditions outlined in the credit agreement are adhered to
 Maintain integrity of all security files in accordancewith documented standards
 Create an accuratediary system and follow-up with internal/external branches/clients to ensure all documentation is acted
on as appropriate(e.g., renewals, expiries,insurancedocumentation)
 Complete securities initial registration as required and conductanalytical searches and set-up of insuranceinformation to
ensure all documentation meets compliancestandards
 Dischargesecurities registrations,releaseshares,Lifeand FireInsuranceobligationsand delete all
information/documentation from databaseif requested.
 Issuesecurity confirmation certificates to confirmall securities arein place
 Participatein workinggroup session with business partners to identify opportunities for improvingcontrol processes
 Assistmanagement team in implementing Global Operations’strategies and demonstrate Service Excellence practices in all
interactions with business partners
Maintenance and Control Officer-Retail Lending Operations
 Verify personal documentation (e.g. accountopening and signingauthorities, insuranceforms,personal loans and lineof
credits) received from Branches as required to ensure accuracy in accordancewith internal policies and Government/Legal
requirements.
 Identify and communicate with internal lenders,teams and departments (Branches,Compliance,Legal, Credit etc.), as well
as external parties (lawyers) atthe peer level to receive, verify and clarify documentation.
 Resolve items of discrepancy usingindependentjudgment based on standard work procedures.
 Identify and escalateto management issues with documentation not resolved by established timeframes and/or situations
that require further analysisor investigation to be resolved satisfactorily.
 Identify opportunities for improvingcontrol processes;recommend changes to existingprocedures to supportcontinuous
improvement, cost containment and clientsatisfaction (continuous improvement ideas).
 Prioritizeand organizeworkload based on risk/severity and documents required to ensure deadlines aremet accordingto
policies and procedures.
Barclays Bank 2008 - 2009
Credit and Personal Loans Officer
 Supporting Business Team in resolving processing applications,accountopeningand pre-paid card applications
 Minimizeoperational risksfor the Bank by ensuringthat all sales applications thatareprocessed complyingfully with
underlyinginternal instructionsas per policy.
 Ensure Adherence to internal policies,procedures and guidelines.
 Pursueopportunities for enhancingoperational efficiencies,customer serviceand operational controls by identifying
process improvements.
 Communicate with creditunit to provide the desired level of serviceby business lines to improve the TAT ensuring
operational efficiency and closeperformancemonitoring.
 Prepare a BSU rejects as well as creditrejects plus the overall customer TAT report on a weekly basis.
 Support Business to achieve monthly target by processingapprox.300+cases & reduce rejections < 15%.
Carrefour Hypermarket -Saudi Arabia 2007 - 2007
Central Cashiers Office Assistant Manager –Retail operations

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 Manage the entire Cashiers teamto achievea higher productivity,by givingthem clear KPIs,measurement and a monthly
trackingmechanism.
 Assistand trained cashiersin work techniques, providingexcellentcustomer service,problem solvingand daily cash
balancingoperations
 Prepare cashier,operations and revenue reports
 Maintain and manage work flow of 70 employees
 Assistin balancingcash drawers and storesafe
 Assistwith daily storeopening and closingprocedures
 Calculateand record total payments and transactions on a daily basis,and reconcileit with total sales
Vodafone Egypt 2005 - 2007
Sales Representative
 Prepare and review clients’documents to insureaccuracy in accordance with established procedures.
 Monitor competitor's strategies and deliver analytic reports accordingly.
 Offering the best fit to the customer through cross sell/up sell when applicableaccordingto the customer's
type/segment/needs.
 Handlecustomers' inquiries & complainsin a positivemanner
 Providestrong & updated product knowledge & competition's offers awareness
Carrefour Hypermarket - Egypt 2002 - 2005
Central Cashiers Office senior supervisor – Retail operations
 Report all cash inflowactivities daily to Cashiers Head
 Ensures complianceof company policies,procedures and practices;and supports Company Loss Prevention efforts.
 Oversawand authorized clients’returns, exchanges, merchandisecredits,check authorization and discretion discounts.
 Assured the completion of all POS transactionsand integrity of all cash flow/media printouts.
 Assistin the preparation of daily deposits, bankingstatements and other cash handlingforms.
Orange for Telecommunication & mobile service 2000 - 2002
Sales Representative
Education
Faculty of Commerce - Alexandria University 1996 - 2000
Bachelor Degree - Major:Accounting
Language Skills
Fluent in French, English and Arabic written and spoken

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Interests and activities
Sports, readingand travelling - currently living in Canada and travelled to France, Italy,Greece, Turkey, Hungary, United states,
Nederland, Cuba and the Dominican Republic.