Credit Risk Manager Resume
Summary : As a Credit Risk Manager, credit reported, planned, and forecasted for an entity, region, or business segment, managed entity, region, or business segment credit reporting, planning, and forecasting, monitored credit exposures, understood trade finance and provided support to sales and marketing by offering advice and assistance on customer financial needs to meet business requirements.
Skills : Analytical Skills, Risk Assessment.
Description :
- Performed and analyzed credit-worthiness reviews on strategic accounts at the entity, region, or business unit level in line with Corporate Policy to ensure minimal risk to the business.
- Managed entity, region, or business segment account relationships and collection strategies.
- Managed metrics and consolidated reporting for the entity, region, or business segment, and developed and produced credit reports for senior management.
- Partnered with sales/commercial functions on key business growth needs by providing credit/financial support.
- Encouraged cross-business segment communication on credit issues involving common customers to develop risk mitigation strategies.
- Supported the implementation of Corporate Credit Policies across the applicable area of responsibility and ensured audit compliance against them.
- Led process improvement activities related to Accounts Receivable/credit systems, processes, and policies.
Experience
10+ Years
Level
Senior
Education
Bachelor's Degree In Finance
Credit Risk Manager Resume
Summary : As a Credit Risk Manager, managed, coached, and mentored professional staff, provided guidance and direction on problems and issues, delegated work assignments considering employee skills and development needs, interpreted financial data by analyzing trends, variances, opportunities, and risks to provide insight to stakeholders regarding, evaluated financial results against targets to communicate conclusions to all stakeholders.
Skills : Financial Analysis, Regulatory Compliance.
Description :
- Ensured integrity of financial data by investigating variances and determining corrective actions to resolve identified issues.
- Assessed customer creditworthiness and risk to ensure that credit limits supported sales strategies while maximizing accounts receivable collectability and minimizing bad debt balances.
- Evaluated business opportunities to maximize sales without taking on undue balance sheet risks.
- Analyzed customer payment performance to identify potential risks to optimize collection efficiency and minimize bad debts.
- Leveraged financial products to facilitate and expand the export of products to maximize sales in international markets.
- Evaluated financial instruments to reduce end customer and country-specific payment risk, leveraged export trade instruments when selling to high-risk markets to expedite payment according to the agreed-upon commercial terms.
- Built partnerships and worked collaboratively with others to meet shared objectives.
Experience
7-10 Years
Level
Management
Education
Bachelor's Degree In Finance
Credit Risk Manager Resume
Headline : As a Credit Risk Manager, developed and delivered multi-mode communications that conveyed a clear understanding of the unique needs of different audiences, developed people to meet both their career goals and the organizations goals, provided direction, delegated, and removed obstacles to get work done.
Skills : Communication Skills, Decision-Making.
Description :
- Secured and deployed resources effectively and efficiently., consistently achieved results, even under tough circumstances.
- Adapted approach and demeanor in real time to match the shifting demands of different situations.
- Gained the confidence and trust of others through honesty, integrity, and authenticity.
- Known as the most effective and efficient process to get things done, with a focus on continuous improvement.
- Experienced in underwriting complex home loans preferred.
- Effectively collaborated, challenged, and influenced business partners and peers.
- Experienced in consumer real estate policy and regulatory requirements.
Experience
5-7 Years
Level
Executive
Education
Bachelor's Degree In Finance
Credit Risk Manager Resume
Objective : As a Credit Risk Manager, recorded risk detection/risk mitigation work Executive-level written and oral communication skills, worked well under pressure, adapted to unexpected events, prioritized and multi-task in a deadline-driven environment.
Skills : Attention to Detail, Problem-Solving.
Description :
- Provided recommendations to credit approvers, and monitored credit exposure within existing portfolio.
- Performed independent credit analysis including analysis of project financing transactions.
- Evaluated credit proposals and business screening memos and made written credit recommendations to management.
- Identified risks and mitigants in prospective transactions and recommended structural enhancements if needed.
- Maintained strong dialogue with origination deal teams to balance business opportunities with prudent risk-taking.
- Communicated with other credit units to obtain necessary information to support making a credit decision.
- Evaluated credit reviews prepared by portfolio management of existing project finance exposures.
Experience
2-5 Years
Level
Executive
Education
Bachelor's Degree In Finance
Credit Risk Manager Resume
Summary : As a Credit Risk Manager, determined accurate ratings and made recommendations to management, monitored lower-rated and problem loans on a more frequent basis, and presented at regular watchlist meetings.
Skills : Industry Knowledge, Data Management.
Description :
- Shared critical account information with various parties throughout the bank.
- Engaged in special projects including new product and policy reviews.
- Ensured compliance with regulatory, policy, and procedural requirements.
- Provided advice to a variety of organizations and help them identify potential financial threats.
- Oversaw risk management processes, describing risks that may affect the business, determining the acceptable level of risk, conducting audits, and purchasing insurance.
- Managed risk analytics work involving reporting, analysis, and forecasting for Consumer and Business Banking.
- Developed methodology to analyze data to predict risks and work with stateside partners to implement strategies to minimize risk.
Experience
7-10 Years
Level
Management
Education
Bachelor's Degree In Finance
Credit Risk Manager Resume
Headline : As a Credit Risk Manager, continuously looked for ways to enhance reporting and forecasting processes, led a team, and directed daily work within a matrix organization ensuring that loss trends were constantly monitored, analyzed, and reported on.
Skills : Troubleshooting, Computer Literacy.
Description :
- Provided coaching and mentoring to a group of analytic professionals.
- Collaborated with bankers and underwriters to review, structure, and obtain approval for new transactions.
- Analyzed and concurred on all reviews completed by staff and gave direction on additional work that may be necessary.
- Monitored and guided other managers on maintaining concurrence timeliness.
- Maintained and nurtured a positive and professional relationship between FDMS, ISO, and the alliance banks, addressing their concerns and resolving any issues that may arise.
- Innovated a wide range of next-generation commerce technology solutions to help our clients better detect fraud, gain insights into consumer spending patterns, and build customer loyalty.
- Excited about opportunities for talented individuals who would like to join our team and play a meaningful role in helping us shape the future of global commerce.
Experience
5-7 Years
Level
Executive
Education
Bachelor's Degree in Finance
Credit Risk Manager Resume
Headline : As a Credit Risk Manager, responsible for obtaining and interpreting financial statements to assist in credit limit reviews, and devising collection recovery strategies to resolve customer issues and delinquent cases.
Skills : Financial Management, Planning.
Description :
- Responsible for reducing past due balances and bad debt by coordinating collection efforts with customer service, sales, and billing departments.
- Responsible for collecting data and performing trend and variance analysis to mitigate risk arising from bad debt.
- Responsible for monitoring accounts for signs of fraud and non-payment issues.
- Responsible for collaborating with management to evaluate credit strategies and develop improvements.
- Responsible for providing resources and expertise for conversion, validation, and training required for company-wide software updates.
- Responsible for referring delinquent accounts to the collections department or outside resources.
- Responsible for reporting key performance indicators to department heads for management of positive cash flow and adjusting credit risk policies and procedures.
Experience
5-7 Years
Level
Executive
Education
Bachelor's Degree in Business
Credit Risk Manager Resume
Summary : As a Credit Risk Manager, responsible for reviewing and analyzing loan procedures, utilizing a deep understanding of industry best practices and legal requirements to prevent critical incidents.
Skills : Process Improvement, Troubleshooting.
Description :
- Responsible for negotiating settlements and payment terms with customers through action.
- Responsible for streamlining processes for early identification of potential credit systems and monitoring problems.
- Responsible for attending ongoing professional training to facilitate accurate and productive credit management.
- Responsible for developing strategies to expedite payments and customer resolutions.
- Responsible for providing training to junior colleagues and consulting with struggling teams to help meet monthly target goals.
- Responsible for analyzing applicants' financial status and credit and property evaluations to determine loan feasibility.
- Responsible for optimizing credit approval and collection processes, improving operational efficiencies by over 20%.
Experience
7-10 Years
Level
Management
Education
Bachelor's Degree in Business
Senior Credit Risk Manager Resume
Summary : As a Senior Credit Risk Manager, responsible for recognizing across the organization for diligence, accuracy, and contributions toward maintaining a positive cash position through problem resolution, obtaining and reviewing credit reports, credit references, credit insurance, and financial statements to establish credit limits for new accounts.
Skills : Visualization, Financial Management.
Description :
- Responsible for overseeing all reporting, documentation, and recordkeeping requirements for the department.
- Responsible for investigating and evaluating customers for creditworthiness and potential risk factors.
- Responsible for maintaining full knowledge of the current regulatory environment and making proactive adjustments to meet changing requirements.
- Responsible for writing and implementing standard operating procedures for credit personnel to achieve consistency in unit operations.
- Responsible for adhering to banking standards and government lending guidelines for loan services.
- Responsible for reviewing and verifying income, credit reports, and employment histories for each borrower.
- Responsible for interacting with credit and front office colleagues to review credit reports.
Experience
10+ Years
Level
Senior
Education
Bachelor's Degree in Business
Credit Risk Manager Resume
Objective : As a Credit Risk Manager, handled escalated underwriting issues, and reviewed and continuously evaluated credit worthiness of existing merchants who have significant Risk exposure.
Skills : Risk Management, Documentation Skills.
Description :
- Performed credit analysis and underwriting activities for the largest volume and high-risk prospective accounts using credit evaluation guidelines and client history to assess creditworthiness.
- Prepared underwriting documents for management review on accounts with risk exceeding the standard thresholds.
- Directed interaction and negotiated with clients., supervised and trained Credit Officers.
- Reviewed and approved risk analysis completed by Credit Officers., processed development, and handled escalated underwriting issues.
- Monitored and analyzed a daily MIS report to be sure that timeliness and productivity standards were being adhered to.
- Supervised and trained Credit and Risk Officers & played an active role in System and process enhancements.
- Developed and executed the vintage loss forecasting for deal pricing with our retail partners and managed the performance tracking of vintage loss targets.
Experience
2-5 Years
Level
Executive
Education
Bachelor's Degree in Business
