Credit Lead Job Description
Credit lead
provides financial review, within established guidelines and processes, to make credit limit recommendations that are approved by credit management.
Credit Lead Duties & Responsibilities
To write an effective credit lead job description, begin by listing detailed duties, responsibilities and expectations. We have included credit lead job description templates that you can modify and use.
Sample responsibilities for this position include:
This is a role reporting directly to the Head of CRM EMEA Portfolio Management and working closely with the Regional CCO on various matters
Perform advanced quantitative modeling and analysis to facilitate the management of the high risk credit cards portfolio
Design portfolio segments and risk management framework to monitor performance
Develop effective risk management strategies utilizing advanced analytics techniques including data mining, cost-benefit analysis, P&L analysis, segmentation, simulation, and optimization
Build quantitative models utilizing SAS and SQL programming, Unix, Teradata, and advanced Excel
Review and roll out authorizations tests, and develop overlimit and delinquent authorizations strategies, cash policy, payment strategy, and industry benchmarking initiatives utilizing portfolio benchmarking and impairment forecasting and planning
Make recommendations to senior management regarding portfolio management
Responsible for the correctness of Credit system exposure & limit capture
Possible interaction with local Regulators
Primary contact for CRM’s involvement in New Business initiatives within EMEA
Credit Lead Qualifications
Qualifications for a job description may include education, certification, and experience.
Licensing or Certifications for Credit Lead
List any licenses or certifications required by the position: PMP, PM, ITIL, V3, PMI, NACM, CSM, TDS, GST, CRCM
Education for Credit Lead
Typically a job would require a certain level of education.
Employers hiring for the credit lead job most commonly would prefer for their future employee to have a relevant degree such as Bachelor's and Master's Degree in Finance, Business, Accounting, Economics, Statistics, Mathematics, Engineering, Education, Management, Computer Science
Skills for Credit Lead
Desired skills for credit lead include:
Business systems and applications
Project and systems management
Agile Processes and Methodologies
Applicable Financial Services products and options
Available financial products
Current credit and leasing solutions
Department specific processes and procedures
Financial Services products and options
Financial products from lending facilities to derivatives
Incident and change management
Desired experience for credit lead includes:
Experience working in relevant environment(s)/role(s), Application Development, Production Support
Experience working in relevant environment/s, Financial Services, First Data or other third party card servicing vendor is essential
10+ years of business / marketing experience, required
Experience in small business credit card marketing
Ability to develop and implement marketing strategy, leveraging analytics
Ability to influence senior business leaders with data-driven arguments
Credit Lead Examples
1
Credit Lead Job Description
Job Description Example
Our company is growing rapidly and is looking to fill the role of credit lead. Thank you in advance for taking a look at the list of responsibilities and qualifications. We look forward to reviewing your resume.
Responsibilities for credit lead
- Refine incident management process to drive continued improvement in accuracy and classification to facilitate long term problem management metrics and trending
- Coordinate and drive improvement in our Change Advisory Board
- Administer and enhance our Change Quality program
- Drive problem management discussions and meetings focusing on deep root cause analysis and problem trends with documented mitigation strategies to ensure permanent, long term resolution
- Provide ongoing coaching and mentoring of team members across the full technology team on incident, change, and problem management
- Define, build, and implement dashboards and trend reporting for all of Credit technology that will help identify problems and drive solutions with the goal of permanently eliminating issues
- Define and drive an IT Service management training program for new hires and/or refresher courses
- Partner with product owners and project teams to define, prioritize, and drive system and process enhancements to permanently eliminate recurring incidents
- Collaborate with product teams to grow strong ITIL skills within each product based team
- Ensure key application project delivery and implementation
Qualifications for credit lead
- Proficient with powerpoint, word processing and spreadsheet software
- Draft, seek approval for, and monitor all partner covenants and contractual language relating to corporate exposure in cobrand relationships
- Manage all CRA-related lending activity
- Manage due diligence activities for the Credit Risk Office for portfolio and product acquisition opportunities
- Complete economic and competitor financial performance analyses
- University Educated and higher degree or equivalent preferred ( MBA, CFA, MSe)
2
Credit Lead Job Description
Job Description Example
Our company is growing rapidly and is searching for experienced candidates for the position of credit lead. If you are looking for an exciting place to work, please take a look at the list of qualifications below.
Responsibilities for credit lead
- Actively engages in or supports direct manager in strategic planning and prioritization to ensure appropriate resources are allocated to credit risk mitigation and controls development and sustainment
- Understands, prioritizes and manages timely and effective resolution of all known credit risk issues (self-identified, risk appetite breaches, Operational Risk Management assessment, regulatory, Compliance, Internal Audit, Quality Assurance), balancing potential impact to business unit and Canadian Banking against business unit strategic imperatives
- Ensures or supports direct manager in ensuring that credit risk appetite constraints are set appropriately for the business taking into account business growth objectives, external environment and industry practice
- Develops insightful reporting and key risk indicators (for the business unit as a whole and within individual business lines) and across all risk types with a focus on credit risk
- Engages with program and initiative teams, second line partners, to ensure projects understand and adhere to regulatory compliance requirements and risk controls
- Develop system specifications by interpreting the business, user, functional, and non-functional requirements as documented in Business Requirements
- Develop design documentation using UML and Logical design from the Conceptual mode
- Enlist Architects and SMEs to ensure the system and/or application design meets corporate and/or architecture requirements, standards and optimizes assets
- Requires a broad and comprehensive knowledge of technology and systems development lifecycles, including traditional waterfall and agile methodologies
- Work with Business Analyst to ensure all business and user requirements are met through design, build and implementation phases
Qualifications for credit lead
- Knowledge of technical infrastructure and development platforms preferred (servers, databases, networking, .NET, Mainframe, Java, Data Warehouse, etc)
- Solid project management, planning, organizing, and time management skills required
- Strong proficiency in MS Office, BMC Remedy, trending, and reporting required
- Proven analytical skills with a curiosity to dive into data leveraging various reporting tools, Excel, and /or ability to write sql to mine our incident and problem data
- Clear and effective written and verbal communication, influencing, and strong interpersonal skills
- Proficient in multi-languages (Spanish, Italian, French, German, Portuguese)
3
Credit Lead Job Description
Job Description Example
Our innovative and growing company is looking to fill the role of credit lead. We appreciate you taking the time to review the list of qualifications and to apply for the position. If you don’t fill all of the qualifications, you may still be considered depending on your level of experience.
Responsibilities for credit lead
- Provide technical leadership and mention Java EE developers in using Frameworks and Services and leveraging corporate tools and best practices
- Assist Team Leads in project planning, estimation and Agile USDM practices
- Managing a team of 5-6 credit analysts and Assistant Relationship Managers
- Underwriting and credit risk analysis for new credits and renewals of existing CRE loans (construction & mini-perm) & Home Builder lines of credit/borrowing base facilities
- Preparing financial spreadsheets, NOI runs, lease reviews for new and renewing loans
- Identifies accounts that are not credit worthy
- Handling of customer related documentation Letter of Credit and Bank Guarantees
- Coaching, counseling, monitoring, training and developing agents on call performance
- Handle escalated member calls
- Review and maintain employee call statistics and records
Qualifications for credit lead
- Monitors credit risk culture and capabilities of personnel, identifies areas for skill development and where required implements training, knowledge building and best practice sharing to build capability
- Responsibilities around E-13 compliance requirements to be considered under OSFI guidelines
- Proficient knowledge of various software programs, including word processing, spreadsheets
- Experience in working directly with business teams
- Experience with USDM
- Understanding of object oriented design methodology
4
Credit Lead Job Description
Job Description Example
Our company is growing rapidly and is looking for a credit lead. We appreciate you taking the time to review the list of qualifications and to apply for the position. If you don’t fill all of the qualifications, you may still be considered depending on your level of experience.
Responsibilities for credit lead
- Serve as a project lead for special projects
- Duties may vary based on operational needs
- When operations are impacted (volume spikes, Outages, system changes, ect), facilitating communication to all impacted departments and Store escalating issues in timely fashion
- Supervise analysts to perform necessary credit investigation to render a final credit decision or prepare credit packages for submittal to lending partners
- Make credit decisions in accordance with risk acceptance criteria up to delegated credit authority levels
- Make private label decisions and responsible for the management of Bankruptcy process
- Responsible for portfolio management, delinquency management, and making sound fee collection decisions while balancing customer experience with fee collection maximization
- Serve as escalation point with Regional Finance Managers, customers, and funding sources on day-to-day credit operations
- Serve as subject matter expert in deal structuring, pricing and portfolio disposition
- Implement methodologies, tools and processes for tracking application profiles and managing portfolio quality
Qualifications for credit lead
- 5+ years Java EE development experience using Eclipse or similar tooling
- 1+ years of experience with JSF and JPA
- Demonstrated understanding of performance tuning multi-tiered java applications
- Experience with Frameworks and Services
- Ability to provide strong technical leadership to guide Java EE development
- Excellent written and oral communication, analytical and problem solving skills
5
Credit Lead Job Description
Job Description Example
Our company is growing rapidly and is searching for experienced candidates for the position of credit lead. We appreciate you taking the time to review the list of qualifications and to apply for the position. If you don’t fill all of the qualifications, you may still be considered depending on your level of experience.
Responsibilities for credit lead
- Train less experienced analysts on commercial underwriting
- Responsible for onboarding new Flex Finance team members as it relates to the credit function
- Provide ad-hoc report / projects as needed for business performance management
- Work closely with funding sources to implement process and procedures congruent with Flex Finance business model to ensure efficiencies, economies of scale, and flexibility
- Work cross-functionally with internal teams to implement process and procedures congruent with Flex Finance business model to ensure efficiencies, economies of scale, and flexibility
- Support supervisors by backing up leadership in assisting representatives with elevated loan and document review call escalations
- Lead the team when supervisors are in meetings or out of the office
- Have experience in lending risks (i.e., credit) related to loan risk ratings, foreign exchange, investments, for internal audit
- Review and assess loan file reviews to assess the adequacy and effectiveness of the Bank’s credit policies and processes (e.g., loan classification, loan risk grading, identification of potential credit weaknesses)
- Has knowledge of applicable federal and state banking regulations related to credit risk and governance to identify gaps in the Bank’s credit and underwriting policies and procedures
Qualifications for credit lead
- Experience with developing and supporting large scale global business applications
- Collaborate with Accounting and colleagues within Risk Management in establishing adequate credit loss provisions for VCI’s consumer and commercial credit portfolios
- As needed, assist the Consumer Credit Risk Portfolio Management team in analyzing credit risk data and emerging trends to develop, test and optimize risk factors related to credit and collection policies
- Support the on-going Data Warehouse conversion project through testing
- Advanced Excel and technical skills in accounting software
- Bachelor of Science - Computer Science or Engineering