The primary responsibility of a Credit Advisor is to offer advice and educate clients on managing and acquiring debt, advising on credit issues, and providing advice on bankruptcy and different wealth bands. Job tasks mentioned on the Credit Advisor Resume include – assessing the client’s financial status, creating debt management plans, calculating clients’ income to meet debt obligations, and recommending strategies to clients for meeting financial goals. The job description also entails interviewing clients to gather information from them, explaining financial and wealth management topics, and suggesting a low-risk debt plan that best fits the client’s needs.
The most sought-after skills for this role include – a very thorough knowledge of credit dealings, familiarity with traditional bank products and related services like deposits, credit cards, and mortgages; knowledge of private wealth management systems and adaptability to changes. While a Bachelor-s degree in accounting or finance helps to get this job, a Master’s degree will lead to career advancement.
Objective : As Credit Advisor over 4 years responsible for managing Cardinal Health's a trade and note receivables including performing credit underwriting, establishing bad debt reserves, managing customer relationships, collaborating with the sales and collections teams, managing credit risk for the company, and administering credit policies and standards.
Skills : Interpersonal Skills, Creativity, Business Acumen, Finance, Pharmaceuticals, Retailing.
Description :
Possessed and exhibited strong business acumen of credit underwriting.
Resolved conflict, and maintained positive customer relationships.
Demonstrated knowledge of credit and/or collection practices which can include debt repayment, dispute resolution, risk mitigation, etc.
Learned and effectively navigated a variety of financial systems.
Demonstrated knowledge and understanding of financial concepts which includes establishing appropriate bad debt reserves.
Gathered and synthesized information from a variety of sources (i.e. financial statements, reports).
Made effective credit decisions, and documents decisions appropriately.
Organized workload effectively, proactively works with customers to ensure commitments are met, and raises issues and recommendations to management.
Experience
2-5 Years
Level
Executive
Education
Bachelors degree
Credit Advisor Resume
Headline : Over 6 years of experience as a Credit Advisor responsible for reviewing loan applications in conjunction with Credit, Income, and Asset documentation to determine if loan is to be submitted to Call Center Operations. Performing duties such as calculating income, analyzing loan applications, assessing creditworthiness and the likelihood that a loan applicant will be able to repay the debt and analyzing the AUS /Guidelines as they pertain to the loan product.
Worked directly with Loan Advisor to provide clear direction as to what is needed from the borrower in order to have a completed loan application.
Requested and reviewed the appropriated credit, income and asset documentation, and reviews alongside the application for data integrity.
Calculated income in accordance with agency/investor guidelines for all income sources.
Reviewed and updated liabilities in accordance with agency/investor guidelines.
Created a needs list to be distributed to sales, operations, and borrowers, detailing the items required for processing of loan.
Recommended denial status for loans not meeting minimum standards.
Worked directly with Loan Advisor in re-structuring loans as necessary after documentation has been analyzed.
Provided feedback and training to Loan Advisor. Train employees involved in the process how to handle all products.
Experience
5-7 Years
Level
Executive
Education
High school diploma
Credit Advisor/Senior Wealth Advisor Resume
Objective : Senior Wealth Advisor responsible for developing comprehensive, integrated, multigenerational wealth strategies for high and ultra-high net worth clients families and beneficiaries, team player with a sales and relationship management role that will attract, retain and grow a portfolio of prospect and client relationships by providing a consistently exceptional prospect and client experience.
Acted as a resource for client and wealth team members on business succession, executive compensation, wealth transfer and retirement planning issues.
Engaged in the delivery of financial planning services to new and existing high and ultra-high net worth clients.
Worked with wealth partners to identify and pursue the acquisition of qualified high net worth clients.
Collected data necessary for the preparation of financial and estate planning recommendations.
Analyzed client financial information and deliver financial advice and appropriate solutions based on client needs.
Partnered with clients other advisors (CPA, attorney).
Established and maintained excellent working relationships with members of a Relationship Team designated to support client service and client development.
Provided ongoing relationship servicing with current clients to maintain goodwill and identify additional client needs.
Experience
2-5 Years
Level
Executive
Education
Bachelor’s degree
Credit Advisor Resume
Objective : To serve as the primary internal support for Trade Finance sales and product servicing. Responsible for liaising between the front office Trade Sales Product Advisors and Relationship teams, Servicing and Delivery, and Global Loan Operations. Supports Sales and Servicing/Delivery in product issuance, negotiation, and discount, ensuring all required policies for CMMA, CDD, Docusign.
Skills : Accounting, Finance, Banking, Business Administration, Negotiation, Coordinating.
Description :
Assembled and managed documentation package, engaging with the client, relationship teams or RA to ensure all paperwork related to the letter of credit issuance, negotiation and discount are complete before handing to the Servicing and Delivery team for final structuring, negotiation and/or issuance.
Responsible for proactively engaging to ensure a seamless product onboarding process and requires excellent internal and external client relationship skills.
Provided support on operational issues, focused on client onboarding and product issuance.
Worked under the supervision and has a general skill set that is applied to essential functions.
Utilized knowledge to resolve simple issues and escalates non-routine problems or complex issues.
Completed require activities in support of client letter of credit issuance and negotiation.
Activitied requires interpretation of documentation and capture of key data elements to ensure accurate documentation packages.
Experience
0-2 Years
Level
Entry Level
Education
A.S in Business
Credit Advisor Resume
Objective : As a Credit Advisor assists in all phases of the consumer loan process while providing excellent customer service to both internal and external customers. Assist with all pre- and post-closing duties.
Responsible for the promotion and delivery of quality internal and external customer service.
Communicated with branch staff to assist with any questions or concerns regarding loan applications and to coordinate loan closings.
Prepared loan documents in Laser Pro and Encompass for all loan closings.
Reviewed all signed loan documents to ensure accuracy. Import closing documents to Encompass and Loan Complete/Nautilus.
Prepared and mail checked due to borrower, creditor, or others as assigned.
Responsible for maintaining a log of all expenses and pay monthly invoices related to consumer loans.
Ensured First Federal Bank has been added to the homeowners and auto insurance.
Ensured lien perfection on the DOT/Mortgage has been filed with the county courthouse.
Experience
2-5 Years
Level
Executive
Education
General Education Diploma
Credit Advisor Resume
Objective : Over 5 years of experience as a Credit Advisor responsible for assisting Mortgage Advisors in the smooth and timely completion of all phases of a mortgage loan. Assists assigned MAs with a variety of business development and administrative tasks. Provides necessary support to increase production levels.
Facilitated application processing. Actively worked with processing and underwriting teams to clear conditions to facilitate loan closing.
Ensured timeliness of initial application disclosures.
Proactively communicated with all parties about loan statuses and may participate in weekly pipeline updates.
Provided personal touch customer service to external and internal customers to help facilitate a one-of-a-kind experience.
Assisted in file discrepancy issues and provide follow-up and resolution on all facets of the loan process.
Aided in the development of a customer database in support of the pursuit of new marketing opportunities.
Prepared materials for events and presentations; prepare communications on specific topics for distribution to customers.
Assisted with special projects. Worked with the internal marketing department on proposals to coordinate and manage marketing to customers.
Experience
2-5 Years
Level
Executive
Education
MA Assistant
Credit Advisor Resume
Objective : Private Wealth Advisor (PWA) provides relationship management to clients in the affluent $3MM+ market segment. PWAs are expected to proactively attract, deepen, and manage sophisticated financial relationships through the use of Private Wealth Management tools and processes. Advisors in this role need to understand the complexity of wealth planning, investment management, risk management, estate & business planning, as well as banking and loan needs of high net worth clients.
Developed and executed marketing and sales strategies to attract, deepen, and retain the most sophisticated $3MM+ relationships to ensure a profitable portfolio and achieve quarterly and annual revenue production goals.
Acted as a consultative and trusted advisor, anticipating needs relative to the high net worth market segment to ensure maximum profitability and cross-sell opportunities.
Implemented defined sales processes with prospective and existing clients.
Conducted discovery meetings, prepare presentations, follow up on client contacts and implement solutions through the delivery of comprehensive Bank products and services in alignment with client needs.
Established and maintained excellent working relationships with appropriate business partners (primarily Corporate Banking, Commercial / Middle Market, Real Estate Industries, and Capital Markets) to deliver comprehensive, holistic solutions to clients.
Monitored, maintained, and updated sales activity, pipeline, and other pertinent information using sales management tools.
Developed and maintained client portfolios; accountable for balanced portfolio growth, portfolio profitability, and overall portfolio retention.
Experience
2-5 Years
Level
Executive
Education
Bachelor’s degree
Credit Advisor Resume
Headline : Experienced Credit Advisor and responsible for responding to all emergency and non-emergency customer inquiries regarding water and sewer, including complaints, service requests, and accounts.
Issued service work orders to dispatch crews, inspectors, meter mechanics, and contract employees, including plumbers, cleaning companies, cleaning and lining contractors, and electrical contractors.
Responded to inquiries received in the Emergency Contact Center.
Initiated appropriate work orders and journal report assessments.
Contacted and coordinated information with external agencies such as utilities, contractors, fire departments, news media, as well as state and local jurisdictions regarding WSSC fieldwork.
Maintained MMIS water segment sub-system.
Notified internal and external customers regarding water outages and sewer overflow via the Customer Notification System (CNS).
Reviewed and analyzed complex residential and commercial property billing; responded to customer questions and complaints accordingly.
Experience
5-7 Years
Level
Executive
Education
B.S in Finance
Credit Advisor Resume
Objective : As a Credit Advisor responsible for providing advice and solutions that effectively address the financial goals and objectives as well as the needs and concerns of members. Develops long term relationships to grow business.
Cultivated strong relationships with members by consistently using the prescribed sales process.
Provided fee-based financial planning and asset management to members. Grow Assets under Management (AUM) by offering a breadth of financial solutions.
Cultivated strong working relationships and trust among credit union staff by conducting regular training, attendance/participation at credit union staff meetings and functions, and sending referrals back to the credit union.
Effectively delivered multiple services and expertise to clients by providing professional fee-based advice, financial planning and asset management.
Effectively implemented/leverage technology and other available investment tools and resources to provide clients an exceptional member experience on a consistent basis.
Met or exceeded credit union cross-selling goals as established in the credit union commitment letter.
Met or exceeded production goals, with an appropriate product mix.
Collaborated with a credit union, create and execute an annual marketing plan.
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