Credit Risk Officer Resume
Summary : As a Credit Risk Officer, mentored teams of individual contributors and managers in roles with moderate complexity and risk, engaged and influenced stakeholders, internal partners and peers associated with initiatives that cross multiple areas of the company in scope with significant impact and risk.
Skills : Analytical Skills, Risk Assessment.
Description :
- Identified and recommended opportunities for process improvement and risk control development to drive the company credit culture, desire, and business performance.
- Led loss forecasting analytics.
- Built relationships with corporate, business heads, Legal, Audit, regulators and industry partners on risk related topics.
- Led team to achieve objectives, interacted with internal and external customers.
- Managed allocation of people and financial resources for Credit Oversight.
- Developed and guided a culture of talent development to meet business objectives and strategy.
- Analyzed all aspects of the bank’s credit portfolio, including but not limited to: concentration analysis, sensitivity analysis and performance trends, and reporting on the same.
Experience
10+ Years
Level
Senior
Education
BBA
Credit Risk Officer Resume
Summary : As a Credit Risk Officer, provided support to the lending function by obtaining and determining the acceptability of appraisals (real estate and business) and environmental assessments, led credit related projects to implement and/or improve processes and the use of technology.
Skills : Attention to Detail, Financial Acumen.
Description :
- Supported the Enterprise Risk Management (ERM) program.
- Used Citi’s proprietary systems & tools including Debt Rating Model (DRM), FRR Calculator, CAT, CRI, Flexcube, RAPID, Credit Engine and Optima.
- Coveraged of Risk Management of Citi’s third party relationships in one particular Region, LATAM/Banamex.
- Supervised of credit risk of all products/services of SGSS UK.
- Oversaw those decisions made and processes managed by the first line of defense functions whether performed within the bank’s fist line, or within the Servicer and ensuring all actions are appropriately reviewed, approved and documented.
- Ensured that key credit risk strategies for the banks are thoroughly analyzed and effectively documented, presented, approved and ensure appropriate reporting, monitoring and escalation protocols are in place, and are effective and sustainable.
- Independently examined the Bank’s Credit Risk appetite by establishing Key Risk Indicators (KRIs) and associated dashboards.
Experience
7-10 Years
Level
Management
Education
BBA
Credit Risk Officer Resume
Headline : As a Credit Risk Officer, ensured that the strategies implemented to achieve the credit risk appetite were appropriately owed by the Bank and ensured that approval was documented and strategy outcomes were monitored, provided credible challenge of the first line on credit decisions ensuring that they are acceptable and the risk initiatives appropriately mitigate the risk exposure.
Skills : Regulatory Knowledge, Decision-Making.
Description :
- Worked under pressure and demonstrated effective management and planning skills to ensure efficient, accurate, and timely delivery of the services provided by the function.
- Changed agent, with a track record of driving cultural, process, and system changes.
- Identified execution risks and recommended alternatives to meet strategic objectives.
- Updated ERM and Credit Risk policies and prepared gap analysis to align policies with Group and SHUSA Policies coordinated the preparation of materials for various risk committees (CIB Risk Committee).
- Prepared and/or presented materials and/or acted in the capacity as 2nd Line representative to various Committees.
- Resolved issues and responded to requests from both internal and external parties, including clients and prospects.
Experience
5-7 Years
Level
Executive
Education
BBA
Credit Risk Officer Resume
Objective : As a Credit Risk Officer, responsible for developing and maintaining deep understanding of industry and assigned portfolio of clients to assess risk solutions., responsible for reviewing and verifying income, credit reports and employment histories for each borrower.
Skills : Communication,Problem-Solving.
Description :
- Responsible for collaborating with credit manager to create and deliver presentations for senior management.
- Responsible for structuring complex transactions and negotiated complex credit documentation to mitigate risk.
- Responsible for spearheading projects aimed at improving data quality, enabling more accurate forecasting of future trends in credit risk exposure.
- Responsible for conducting regular stress tests to assess potential vulnerabilities within the loan portfolio, ensuring adequate capital buffers were maintained.
- Responsible for reducing credit risk by implementing robust assessment strategies and monitoring credit exposure.
- Responsible for making decisions and recommendations about extending lines of credit.
- Responsible for ensuring compliance with regulatory requirements by staying up-to-date on industry changes and adjusting practices accordingly.
Experience
2-5 Years
Level
Executive
Education
BBA
Credit Risk Officer Resume
Summary : As a Credit Risk Officer, responsible for improving understanding of financial statements, which helped in assessing risk, responsible for conducting presentations to upper management and executive teams for loan recommendations.
Skills : Proficiency with financial analysis software and tools, Team Collaboration.
Description :
- Responsible for playing an integral role in the development of strategic plans, incorporating credit risk considerations to ensure sustainable growth and profitability for the business.
- Responsible for conducting ongoing reviews to monitor portfolio performance and identify strong and weak areas.
- Responsible for reducing past due balances and bad debt by coordinating collection efforts with customer service, sales and billing departments.
- Responsible for creating credit policies, processes and procedures to maintain compliance with banking regulations.
- Responsible for streamlining the loan approval process by creating user-friendly templates for presenting credit analyses to decisionmakers.
- Responsible for recommending approval or disapproval of commercial, real estate or credit loans.
- Responsible for analyzing applicants' financial status and credit and property evaluations to determine loan feasibility.
Experience
10+ Years
Level
Senior
Education
BBA
Credit Risk Officer Resume
Summary : As a Credit Risk Officer, responsible for enhancing portfolio performance by developing comprehensive risk models and utilizing predictive analytics, responsible for interacting with credit and front office colleagues to review credit reports.
Skills : Risk Assessment, Financial Analysis.
Description :
- Responsible for performing credit reviews on corporations to assess financial conditions.
- Responsible for establishing a strong culture of risk awareness by promoting open communication channels across the organization and fostering cross-functional collaboration.
- Responsible for developing credit models to assist in the credit decisioning process.
- Responsible for managing a team of analysts, providing guidance and support in conducting thorough credit evaluations and risk assessments.
- Responsible for obtaining and interpreting financial statements to assist in credit limit reviews.
- Responsible for investigating and resolving customer disputes related to credit decisions.
- Responsible for providing expert advice during negotiations with borrowers experiencing financial difficulties, working towards mutually beneficial resolutions that minimized losses.
Experience
7-10 Years
Level
Management
Education
BBA
Credit Risk Officer Resume
Headline : As a Credit Risk Officer, responsible for improving the accuracy of risk ratings by refining existing methodologies and incorporating new quantitative metrics, responsible for complying with internal controls and government regulations.
Skills : Credit Scoring, Industry Knowledge.
Description :
- Responsible for performing semi-annual account credit limit reviews and credit increase review requests from financial service and sales teams.
- Responsible for executing risk assessment programs to identify and quantify risks and associated controls.
- Responsible for organizing and finalizing loan applications for underwriter review.
- Responsible for analyzing and monitoring portfolio credit performance against expectations and recommended improvement strategies.
- Responsible for obtaining and reviewing credit reports, credit references, credit insurance and financial statements to establish credit limits for new accounts.
- Responsible for strengthening client relationships through transparent communication regarding credit decisions and risk management strategies.
- Responsible for identifying proper exception codes, regulatory leverage designations and risk ratings to manage portfolio risk.
Experience
5-7 Years
Level
Executive
Education
BBA
Credit Risk Officer Resume
Headline : As a Credit Risk Officer, responsible for mitigating potential losses by continuously reviewing existing loans for signs of increased risk or deterioration in credit quality, responsible for increasing efficiency in the underwriting process by designing automated tools for data collection and analysis.
Skills : Regulatory Compliance, Risk Mitigation.
Description :
- Responsible for developing a comprehensive training program to enhance the skills of junior team members in credit analysis and risk management techniques.
- Responsible for participating in strategic projects to support business goals.
- Responsible for working in tandem with sales team and customers to negotiate payments and verify account reconciliations.
- Responsible for supporting business growth initiatives while maintaining prudent lending standards through diligent oversight of new client acquisitions.
- Responsible for adhering to banking standards and government lending guidelines for loan services.
- Responsible for devising collection recovery strategies to resolve customer issues and delinquent cases.
- Responsible for negotiating payment plans and loan terms with delinquent customers.
Experience
5-7 Years
Level
Executive
Education
BBA
Credit Risk Officer Resume
Summary : As a Credit Risk Officer, responsible for analyzing creditworthiness of loan applicants and determined credit risk of loan requests, responsible for evaluating emerging risks within the market, recommending adjustments to credit policies as needed to protect against negative impacts on portfolio performance.
Skills : Decision-Making, Portfolio Management.
Description :
- Responsible for checking appraisals, title information and insurance documents for each property.
- Responsible for collaborating with cross-functional teams to establish effective risk management policies and procedures.
- Responsible for reviewing credit risk and reward strategy and provided recommendations to optimize risk-return characteristics.
- Responsible for reviewing competitor practices and industry benchmarks to ensure alignment with best-in-class standards for efficient credit risk management.
- Responsible for maintaining compliance with applicable regulations and laws governing consumer credit.
- Responsible for championing innovation within the team, encouraging exploration of new technologies such as machine learning algorithms for improved risk assessment capabilities.
- Responsible for completing paperwork, recognizing discrepancies and promptly addressing for resolution.
Experience
7-10 Years
Level
Management
Education
BBA
Credit Risk Officer Resume
Summary : As a Credit Risk Officer, passionated about learning and committed to continual improvement. Responsible for gaining strong leadership skills by managing projects from start to finish.
Skills : Reporting, Communicational Skills.
Description :
- Responsible for delivering services to customer locations within specific timeframes.
- Responsible for organizing and detail-orienting with a strong work ethic.
- Responsible for demonstrating respect, friendliness, and willingness to help wherever needed.
- Responsible for identifying issues, analyzing information, and providing solutions to problems.
- Responsible for resolving problems, improving operations, and providing exceptional service.
- Responsible for developing and maintaining courteous and effective working relationships.
- Responsible for working effectively in fast-paced environments.
Experience
7-10 Years
Level
Management
Education
BBA
