Credit Executive Resume
Summary : As a Credit Executive, responsible for Maintaining the process for issuing and maintaining casino credit limits for qualified patrons, Working closely with the Credit Manager to ensure credit issuance procedures are maintained in accordance with internal control standards, and Assisting with any credit-related questions or issues with emphasis on guest service, compliance of regulations, and protection of company assets.
Skills : Credit Analysis, Risk Assessment, Financial Analysis.
Description :
- Monitored financial data produced by the Casino Credit department while authorizing casino credit to qualified patrons.
- Provided support to the credit management team by implementing and achieving department goals.
- A worked environment that supports our credit policies, Casino Marketing team, and ultimately our guest experience.
- Generated, reviewed, and analyzed credit reports daily for financial reconciliation of credit accounts, including but not limited to consumer reports, Central Credit, and bank rating, gaming credit research, and other information for credit accounts as required to support the approval/denial of credit decisions.
- Ensured the integrity of all financial data produced by the department is accurately maintained and updated credit information for guests to ensure credit issuances are used accordingly.
- Prepared and scanned all financial documents obtained and used to support the credit decision.
- Evaluated and updated credit accounts to ensure timely transmission of credit decisions to appropriate entities.
Experience
10+ Years
Level
Senior
Education
Bachelor's Degree In Finance
Credit Executive Resume
Summary : As a Credit Executive, responsible for Maintaining a professional, neat, and well-groomed appearance and demeanor adhering to company standards, and obtaining and maintaining full knowledge and understanding of Company and department rules and regulations, policies, and procedures.
Skills : Decision-Making, Regulatory Knowledge.
Description :
- Maintained confidentiality of Member information and patron financial information including pertinent casino data.
- Adhered to and ensured compliance with all AML Standard Operating Procedures, Internal Controls, MICS, and all regulatory bodies, including Nevada Gaming Control Board, IRS, and Title 31 requirements.
- Handled internal and external inquiries for casino credit information, and made resourceful decisions with an emphasis on guest service, compliance with regulations, and protection of company assets.
- Maintained composure under pressure and consistently met deadlines with internal and external customers and contacts.
- Worked with others, communicated well, gave direction, and reviewed the work of others.
- Interacted appropriately and effectively with guests, management, other team members, and outside contacts.
- Communicated clearly and effectively utilizing English, both in spoken and written form.
Experience
7-10 Years
Level
Management
Education
Bachelor's Degree In Finance
Credit Executive Resume
Headline : As a Credit Executive, responsible for Ensuring portfolio management compliance with the Banks policies and practices, Monitoring the portfolio against possible risks, Ensuring data integrity of the portfolio, Preparing quarterly PLR and Watch Reports, and also Tracking, reporting, and communicating portfolio trends.
Skills : Customer Service, Negotiation, and Attention to Detail.
Description :
- Read and interpreted documents in English, such as safety rules, operating and maintenance instructions, and procedure manuals.
- Read and communicated verbally in English, applied commonsense understanding to carry out instructions furnished in written, oral, or diagram form.
- Dealt with problems involving several concrete variables in standardized situations.
- Managed commercial credit portfolio, loan renewals, and annual reviews.
- Provided support to the Company casino operations leadership to ensure marker limit issuance procedures were aligned with the Company’s business goals.
- Maintained working knowledge of the Company’s Title 31, KYC, CDD programs, and methodologies and performed reviews related to customers’ business ownerships, KYC, and or CDD.
- Approved Marker Limit for casino customers based on the assessment of the customer’s creditworthiness performed.
Experience
5-7 Years
Level
Executive
Education
Bachelor's Degree In Accounting
Credit Executive Resume
Objective : As a Credit Executive, Provided daily management support to the Marker Operations team, Evaluated credit proposals and business screening memos made written credit recommendations to management, Performed additional duties as assigned, and alsoMonitored work progress and collection processes, handled and investigated cases for efficient debt recovery 20% Risk Management,Provided credit product expertise and was the credit product champion for the Sales Team.
Skills : Credit Analysis, Risk Assessment, Financial Analysis.
Description :
- Initiated and ensured completion of all required loan documents and agreements.
- Managed a portfolio of credits including the underwriting of new and renewed loans for the most complex borrowers and credit structure in the Middle Market.
- Effectively managed and monitored risks of the portfolio including adherence to the risk grading process.
- Recognized and communicated potential credit quality issues within the Bank on a timely basis.
- Ensured that portfolio management was consistent with the Bank’s current credit policies and practices.
- Demonstrated expertise in working with clients demonstrating a higher risk profile.
- Maintained excellent communication with the Relationship Manager, Regional Vice President, and Credit Administration to ensure credits fit within the Bank’s credit risk appetite and to ensure customer satisfaction.
Experience
2-5 Years
Level
Executive
Education
Bachelor's Degree In Accounting
Credit Executive Resume
Summary : As a Credit Executive, Monitored portfolio, ongoing performance, and condition of borrowers and collateral to ensure ratings, LGDs, and Loan Modifiers or Classifications were maintained accurately and timely,Worked with Finance to determine loan impairment and FAS 114 specific reserve for defaulted loans, and also Assisted with new Tailored Loan transaction underwriting to the extent that problem loan portfolio permits.
Skills : Credit Analysis, Risk Assessment, and Financial Analysis.
Description :
- Discussed lending opportunities with clients and prospects and identified potential solutions.
- Wrote Deal Sheets and Term Sheets in consultation with Risk, Underwriting, and Sales Team.
- Helped identify credit opportunities with the Sales Team and coordinated with the Sales Team to gather information from clients.
- Managed Casino Credit office in the absence of the Credit Manager, Developed and Maintained Problem Credit Management governance framework, policies, and procedures specific to MSWM and MSPBNA.
- Presented Classified and Criticized Loan Portfolio to the MSPBNA Credit Committee, along with Regulators.
- Partnered with Business Management, WM Risk, and WM Legal/Outside Counsel to restructure troubled loans seeking to maximize recovery.
- Maintained WM Credit Watch List, and provided oversight and advice to WM Credit Portfolio Managers.
Experience
10+ Years
Level
Senior
Education
Bachelor's Degree In Accounting
Credit Executive Resume
Summary : As a Credit Executive, Implemented the credit policy of the Bank for developing a quality portfolio for retail assets, Handled around 1400 files per month, and also Co-Ordinated with sales & operation of the Surat branch.
Skills : Attention to Detail, Analytical Thinking, Documentation, Communicational Skills.
Description :
- Prepared and generated MIS of a customer database for the Business archive, and resolved discrepancies by following up with customers directly or with the Sales team.
- Followed rules and regulations according to the company’s., processed and Risk point of view.
- Maintained Proper TAT as per company’s norms, Elevated customer satisfaction level coordinated with office staff.
- Coordinated with HO and resolved queries for smooth operations of the branch.
- Planned and implemented revenue-generating activities in the branch to help the branch achieve its revenue targets.
- Interacted with commercial department, marketing dept, and various vendors, and initiated activities to improve display and, merchandising of handsets at the shops.
- Planned optimum branch operation, and ensured targeted TAT at optimum costs will be responsible for complete MIS support to the shops.
Experience
7-10 Years
Level
Management
Education
Bachelor's Degree In Accounting
Credit Executive Resume
Headline : As a Credit Executive, Ensured all records and documentation were maintained for all loan applications and customer financial statements and authorized or recommended credit limits, and also Liaised with Tricon Traders, Customers, and Banks to discuss credit matters, resolve issues, and verify financial and credit transactions.
Skills : Decision-Making, Regulatory Knowledge, Customer Service.
Description :
- Assessed client's financial status and evaluated creditworthiness and risks associated with granting credit.
- Contacted clients to gather financial data and documentation, and analyzed risks, and approved or rejected loan requests.
- Calculated financial ratios (e.g., credit scores and interest rates), and also maintained updated records of loan applications.
- Followed up with clients about loan renewals and monitored the progress of existing loans.
- Ensured KYC checks and completed all due diligence relating to credit checks.
- Provided feedback to internal teams on credit process, policies, and sharing of best practices.
- Adhered to internal policies and TATs for loan approval, Identified potential fraudsters/ suspect customers, and implemented processes around them.
Experience
5-7 Years
Level
Executive
Education
Bachelor's Degree In Finance
Credit Executive Resume
Objective : As a Credit Executive, responsible for Staying current with industry regulations, market trends, and best practices in credit risk management to drive continuous improvement, Analyzing financial statements, credit reports, and industry trends to assess creditworthiness and make informed credit decisions, and also Working closely with credit analysts to provide guidance and training, improving the efficiency and accuracy of credit assessments.
Skills : Analytical Thinking, Documentation, Communicational Skills.
Description :
- Developed and implemented credit policies and procedures to assess, approve, and monitor the creditworthiness of customers, resulting in improved credit quality and reduced delinquency rates.
- Conducted comprehensive financial analysis, risk assessments, and due diligence on potential and existing customers to determine credit limits and terms.
- Collaborated cross-functionally with sales, finance, and collections teams to establish and maintain effective communication channels for credit-related matters.
- Managed a portfolio of high-value accounts, ensuring timely credit reviews, risk assessment updates, and credit limit adjustments.
- Negotiated and structured credit agreements, terms, and conditions with key clients, vendors, and partners to foster mutually beneficial relationships.
- Implemented advanced credit risk modeling and data analysis techniques to identify and mitigate potential risks and fraud.
- Regularly reported credit performance, trends, and recommendations to senior management and the board of directors.
Experience
2-5 Years
Level
Executive
Education
Bachelor's Degree In Accounting
Credit Executive Resume
Objective : As a Credit Executive, I Prepared quarterly PLR/Watch Reports Assisted in the coaching and training of Credit Associates and Credit Executives, and managed the regional accounts receivable portfolio according to the credit policy.
Skills : Customer Service, Negotiation, Attention to Detail.
Description :
- Analyzed applicant’s credit and bank statements and worked closely with Casino Cages, Casino Marketing Departments, MLife Desks, and Branch Offices on customers’ Marker Limit Requests across the company.
- Identified structural risks and mitigates in prospective transactions and recommended, enhanced structuring of deals and covenants in line with policies and procedures.
- Directly and independently communicated with other credit divisions to obtain necessary information, and comments to support making a credit decision.
- Ensured that portfolio management is consistent with Bank's current policies and practices.
- Interfaced with Regional Vice Presidents, Relationship Managers, and Credit Administration to ensure credits fit within the Bank's credit risk appetite.
- Maintained regular contact with Relationship Managers to ensure customer satisfaction.
- Provided guidance and counsel when needed to achieve departmental and Company goals.
Experience
2-5 Years
Level
Executive
Education
Bachelor's Degree In Finance
Credit Executive Resume
Headline : As a Credit Executive, responsible for Approving Or Rejecting Loan Requests, Based On CredibilityCreate A Credit Scoring Model To Assess RisksMonitor Customers Loan PaymentsMaintain Detailed Records Of Company LoansEvaluate Potential Customers Creditworthiness, Conducting regular portfolio reviews and identify accounts requiring credit limit adjustments or collections actions, Preparing and presenting reports on credit portfolio performance to senior management.
Skills : Credit Analysis, Risk Assessment, Financial Analysis.
Description :
- Checked and released sales orders on credit hold on a daily basis in compliance with payment terms and credit limit utilization in the ERP System (SAP).
- Structured large/complex transactions and guided them through the underwriting and approval processes.
- Handled LC transactions, and negotiated rates with Banks for discounting and structuring of transactions.
- Reported to the Credit Manager of global exposures and monitored exposure to credit limits.
- Ordered credit reports as necessary, managed credit data in JD Edwards, and also Provided credit references to 3rd parties.
- Assisted in tracking and collecting past due invoices, and shared Daily collection Reports, and AR outstanding Reports.
- Researched And evaluated clients' Creditworthiness and created Credit Scoring Models To Predict Risks.
Experience
5-7 Years
Level
Executive
Education
BBA
