Credit Risk Management Resume Samples
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Credit Risk Management Resume Samples
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HH
H Hauck
Herta
Hauck
53598 Crooks Light
Houston
TX
+1 (555) 830 6721
53598 Crooks Light
Houston
TX
Phone
p
+1 (555) 830 6721
Experience
Experience
Los Angeles, CA
Credit Risk Management
Los Angeles, CA
Brakus, Marvin and Kozey
Los Angeles, CA
Credit Risk Management
- Performing on-going monitoring of complex deals so that any early signs of distress or deviation from the expected performance are promptly identified
- Justifying proposed credit and regulatory risk ratings
- Processing credit authorizations in internal approval system
- Being responsible for ad hoc duties as requested by senior team members and CRM management
- Assessing proposed transactions within the context of the transaction structure to ensure structural risks are properly identified and adequately mitigated
- Assisting in creating complete, clear and succinct written analysis of credit pages for transactions
- Authoring periodic credit monitoring reviews within industry vertical including modeling and ongoing surveillance
San Francisco, CA
AVP, Credit Risk Management
San Francisco, CA
Dare-Kuhn
San Francisco, CA
AVP, Credit Risk Management
- Prepare recommendations for approval, restructuring, decline of credit applications
- Assist in the administration of credit policies
- Assist in the review of branch out-of-order, watch list and non-performing loan reports and provide approval or recommendations as to action plans and remedial procedures
- On a continual basis, assist in the review of existing credit policies making recommendations for change and/or establishing new policies
- Assist in compiling and consolidating impaired loan and watch list reports on a quarterly
- Further, provide statistics and evaluations on an ongoing basis, on risk ratings and
- Portfolio mix with a comparison to the business plan
present
Detroit, MI
Credit Risk Management Tailored Lending
Detroit, MI
Terry, Cummerata and Frami
present
Detroit, MI
Credit Risk Management Tailored Lending
present
- Make timely recommendations regarding changes in credit classification and risk rating. Develop and implement remedial action plans
- Identify early warning signals in deteriorating credits. Stay current on major developments and changes in market conditions
- Escalate material individual relationship or portfolio observations promptly including past due reporting, and negative trends
- Monitor the ongoing financial condition and performance of the Borrower. Monitor covenant compliance. Monitor the value/condition of the collateral
- Develop and negotiate structuring recommendations within framework of firm’s credit policy and philosophy. Produce high quality credit memoranda clearly outlining transaction, purpose, strengths, risks and mitigants
- Timely transition loans from Underwriting to Portfolio Management with a thorough review of the credit including, but not limited to, ensuring that: (i) loan documentation accurately represent the terms of the credit approval memorandum and permits Morgan Stanley to enforce its rights on the collateral in a default situation; (ii) Internal Credit Ratings are current and accurately reflected in the reporting systems; and (iii) financial covenant and financial reporting trackers are accurate
- Complete within designated due dates Annual Reviews, Renewals, Amendments and the underwriting of new extensions of credit to portfolio clients
Education
Education
Bachelor’s Degree in Commerce
Bachelor’s Degree in Commerce
Southern Illinois University Carbondale
Bachelor’s Degree in Commerce
Skills
Skills
- Working knowledge of Outlook, Word and Excel (Strong Excel, VBA and Microsoft Access a plus)
- Basic knowledge of Corporate or Investment banking and capital market products
- Candidates should be highly proficient in Excel, PowerPoint and Word software
- Basic knowledge of derivative products, with energy commodity documentation experience
- Ability to work on multiple tasks accurately and with attention to detail in a fast paced, demanding environment
- Ability to leverage resources across the organization to complete deliverables
- Highly organized with the ability to efficiently and accurately multi-task
- Strong communications skills, verbal and written and ability to build relationships internally and externally
- Strong analytical and credit skills
- Understanding of OTC derivative exposure simulation desirable
15 Credit Risk Management resume templates
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1
Cib-credit Risk Management Resume Examples & Samples
- Candidates should have a Bachelor’s Degree in Business, Finance, Economics or Accounting
- Candidates should also have a strong interest in client interaction and possess outstanding verbal and written communication skills
- Candidates must have strong organizational and time management skills
- Candidates must be able to work well under pressure on teams in a demanding environment
- Candidates should be proficient in Excel, PowerPoint and Word software
2
Cib-credit Risk Management Resume Examples & Samples
- Strong credit background and analytical skills - demonstrates a solid grasp of accounting and corporate finance
- Ability to manage and develop others
- Ability to successfully work independently and as a part of a team
- 10+ years of work experience (experience in the commercial real estate sector a major plus)
3
CIB Credit Risk Management Consumer Resume Examples & Samples
- Candidates should have at least 1 year of corporate finance, credit or capital markets experience
- They should also have a strong interest in client interaction, and possess outstanding verbal and written communication skills
- Analysts must be able to work well under pressure on teams in a demanding environment
- Candidates should be highly proficient in Excel, Powerpoint and Word software
4
Credit Risk Management Tailored Lending Resume Examples & Samples
- Monitor the ongoing financial condition and performance of the Borrower. Monitor covenant compliance. Monitor the value/condition of the collateral
- In conjunction with Financial Advisor, maintain frequent communication with the Borrower and the Borrower’s financial advisors. Keep current on major developments and changes in financial condition and identification of potential additional financing needs
- PM is required to keep the Financial Advisor informed of relationship status and action plans on an ongoing basis
- Ensure loan documentation accurately represents the terms of the loan approval and permits Morgan Stanley to enforce its rights on the collateral in a default situation
- Identify early warning signals in deteriorating credits. Perform regular financial, credit and lien checks. Check for covenant compliance. Make timely recommendations regarding changes in credit classification and risk rating. Develop/ implement remedial action plans
- Provide input on due diligence on new credit requests, modifications, renewals and increases for existing clients including credit analysis, financial statement analysis, client calls and visits
- Develop and negotiate structuring recommendations within framework of firm’s credit policy and philosophy. Produce high quality credit memoranda clearly outlining transaction, purpose, strengths, risks and mitigants
- Make approval or decline recommendations. Articulate recommendation in a clear, concise and informed manner. Demonstrate acceptable level of preparation and knowledge
- Work with internal and external legal counsel to prepare loan documents. Negotiate and execute loan documents
- Work closely with the Operations area and Legal Department in preparation of amendments, waivers, and loan documents
- Manage all loan requests within stated turn times unless justified as an exception. Manage expectations through active communication with FA and/or Sales Coverage
- Provide guidance on procedures and transaction pricing and make recommendations where appropriate
- Responsible for the integrity of Borrower’s loan data in Baker Hill, E profile, credit and documentation files
- Ensure loan documentation conforms to terms and conditions of credit approval
- Responsible for maintaining accurate internal credit ratings
- Responsible for FASB 114 analysis and recommendation of provision to the ALLL for the portfolio
- Must escalate material individual relationship or portfolio observations promptly
- Minimum 4 - 5 years’ experience in private banking or commercial banking in lending and credit analysis
- Formal commercial credit training required
- Detail orientated and highly motivated
- Strong organizational and analytical skills and the ability to effectively summarize findings, both verbally and in writing, in a clear and concise manner
- Strong relationship management and communication skills
- IT and systems knowledge
5
CIB Credit Risk Management Senior Admin Assistant Resume Examples & Samples
- Prompt arrangement of meetings and room bookings
- Navigating a large firm, using well developed communication skills
- Finalizing complex travel arrangements: co-ordination of flights, visas, accommodation, ground transportation and logistics. Executing last-minute changes
- Management of expense processing, reimbursement and account reconciliation
- Navigating internal administration systems
- General administration duties e.g. filing and archiving
6
Risk Manager Credit Risk Management Resume Examples & Samples
- Effectively manage the Portfolio Credit Review team responsible for a portfolio of merchant accounts which represent a significant risk to the merchant services organization of JPMorgan Chase Bank (Chase Paymentech). Effectively manage and lead remote employees on the team (quarterly travel)
- Govern the process of financial review of Paymentech customers with effective early warning detection skills in order to manage the risk of the portfolio and minimize losses
- Provide strategic credit decisions and recommendations on all accounts within the Director’s credit authority of the Periodic Review Group
- Recommends and initiates special projects, and analyzes department/system growth to determine departmental needs. Includes interviewing candidates and making hiring suggestions to upper management
- Work with internal counsel to assist in negotiation of contractual language as it impacts credit risk
- Develop and implement policies and procedures that govern the Periodic Review Group activities of the organization. Oversee the investigation of potential loss involving customers and suppliers, perform onsite audits. Work closely with customers and relationship managers
- Monitor departmental performance and identify areas where new/improved systems can improve the quality of existing services as well as recommend means for improvement, including procedural steps, increased training, and enhanced documentation
- 5+ years of managerial experience with a track record of increasing responsibilities
- Bachelor degree in business management, finance or accounting. Masters degree a plus
- Strong customer communication skills. Strong ability to effectively mange positive relationships with customers, relationship managers, and sales staffs
- Exceptional leadership skills with a desire to oversee the development of cedit analysts on the team
7
Avp-credit Risk Management Resume Examples & Samples
- Degree Qualification - probably mathematics, economics, science or law subjects
- Languages - fluent English and additional language skills are required (French, German or Spanish)
- Excel Skills - Advanced
- Product knowledge: Derivatives, Futures Clearing, Repo and Stock Lending. Competence in negotiating credit terms in product related master trading agreements
- Soft Skills: Ability to work in a diligent & principalled manner within a team, to reach shared goals and deadliness
8
Credit Risk Management Resume Examples & Samples
- Candidates should have extensive accounting and corporate finance coursework
- Associates/ Vice Presidents must be able to work well under pressure on teams in a demanding environment
- Candidates should be highly proficient in Excel, PowerPoint and Word software
- Basic knowledge of derivative products, with energy commodity documentation experience a plus
9
Cib-credit Risk Management Credit Portfolio Solutions F&O & OTC Clearing Resume Examples & Samples
- Review prospective client portfolios, determine appropriate margin methodology and trading limits; identify key risks in the clients’ portfolios of F&O and OTC derivatives products (FX/Rates/Credit)
- Partner with the Clearing and Futures & Options Business and be able to meet clients and understand their strategies and what risk solutions Credit can propose
- Develop and implement new risk measures and create new risk report requirements
- Service all client related queries related to margin, risk, and limits
- Partner closely with Hedge Fund Credit Risk in overall risk management of clients' risk exposure
- Work closely with other areas including sales, product development, quantitative research, legal, operations
- Improve proprietary margin methodology and expand the product scope by working closely with product development, market risk, and quantitative research teams
- Monitor risks in clients’ OTC and F&O portfolios and resolve excessions with credit risk officers
- Perform ad-hoc analysis on portfolios, margin & position breakdown, and develop what-if scenarios
- Excellent quantitative, analytical, and communication skills
- Strong work ethic, works well under pressure, and ability to meet deadlines
- Must have solid understanding of OTC derivatives and regulations, experience in rates and credit derivatives is a plus
- Must work well with external clients and internal colleagues of all levels, and be able to communicate effectively
- Attention to detail; self starter and is able to perform independently
- BA in business related discipline with 4+yr of related experience; Masters Degree in a Quantitative Discipline is a plus
- Strong Excel skills required, VBA experience is a plus
- Self starter and able to develop tools to analyze portfolios
10
Credit Risk Management Resume Examples & Samples
- Review and analysis of credit capital and associated risk and exposures measures
- Contribute to the development of new frameworks for control and review of credit capital and associated risk and exposures measures
- Participation in reviews of processes, policies and procedures to ensure compliance with capital requirements regulation
- Participation in regulatory initiatives for Basel compliant capital methodologies
- Work with businesses and perform complex capital impact analyses
- Participation in writing business requirement documentations and system implementation
- Perform capital related ad-hoc analyses
- Quantitative background required (e.g. finance, accounting, mathematics, economics etc.)
- Knowledge of Basel credit capital rules
- Databases and programming experience - SQL, Access, VBA etc
- Understanding of trading and lending products
- Understanding of credit risk and market risk principles and key drivers
- Understanding of OTC derivative exposure simulation desirable
- Understanding of financial accounting desirable
- Work experience in Basel capital calculation and methodology development desirable
11
CIB Risk-credit Risk Management Resume Examples & Samples
- Perform in-depth credit and financial analysis to evaluate and recommend credit actions
- Prepare written credit approval memos and reviews
- Recommend and assign internal risk ratings
- Perform due diligence
- Build and analyze financial models
- Partner with CRM colleagues to ensure team priorities are met on an on-going basis
- Develop and maintain ongoing knowledge of traditional and commodity products
- Accounting, finance, and business modeling background
- Ability to perform financial analysis and interpret financial statements
- Good oral communication and business writing skills
- Proficiency in Excel, PowerPoint, and Word applications
- Energy background a major plus
12
Traded Credit Risk Management Resume Examples & Samples
- At least 3-5 yrs experience in Financial Markets or Front Office
- Strong IT and Systems orientation
- Reasonable understanding of Global Market products traded, including Interest Rate Derivatives / Credit Derivatives / Foreign Exchange/ Options / Fixed Income and Money Market. Knowledge as well as Trade Finance products and/or International Cash Management and the basic global fund transfer proces
- Good understanding of the essentials of banking
- Understanding the Bank's accounting processes
- Capability to understand and execute banking procedures (specifically risk and compliance related procedures)
- Good written and verbal communication skills - Fluent English (written and spoken)
- Responsive/flexible working methods; the ability to react quickly and adapt to changing; conditions, procedures, or policies as necessary
- Customer / service oriented
- Knowledge of risk management (credit, operational and/ or counter party risk analysis)
- Experience with reporting and control
13
CIB Risk-credit Risk Management Resume Examples & Samples
- Building and maintaining financial models
- Develop strong analytical and problem solving skills to understand risks and recommend structure which sufficiently protects JPM’s interests in various client trading activities and structured transactions
- Partner with colleagues from IB Coverage, Syndicated & Leveraged Finance, Debt Capital Markets, Ratings Advisory, Sales & Trading, Prime Brokerage, Treasury & Security Services, and Legal
- Assess creditworthiness of clients and assign appropriate credit ratings. Maintain updated credit research on a portfolio of clients
- Meet development and training requirements as defined
14
Credit Risk Management Resume Examples & Samples
- Experience in credit risk management in a risk review, credit analysis or credit approval capacity in wholesale credit and counterparty credit risk management
- Experience managing cross functional projects involving employees from multiple disciplines within a banking context (e.g. risk management, syndicate, I.T., finance, operations, etc.)
- Solid understanding of the investment banking lifecycle and products
- Solid understanding of loan and derivative trading transactions
- Solid understanding of credit ratings, exposure methodologies, and loss concepts
- Ability to work well in a team-oriented setting
- The preferred candidate should minimally possess an undergraduate degree (preferably in finance, accounting, or economics)
- 7 to 10 years of credit experience at a large commercial bank or investment bank
15
CIB Risk-credit Risk Management Resume Examples & Samples
- Experience in Credit, IS and/or TS Risk Management. Familiarity with liquidity products and facilities used by the clients of the firm
- Ability to think holistically and critically
- Ability to think proactively, see interdependencies and generate ideas and solutions
- Strong project management skills and ability to build effective working relationships Across Risk LOB’s and with the business
- Strong technical skills – PowerPoint, Word, Excel
- Ability to perform under pressure with a commitment to deliver under tight deadlines
16
Professional Credit Risk Management Asia Funds Team Singapore Resume Examples & Samples
- Due Diligence - preparation of forward looking qualitative and quantitative credit analysis to provide risk assessment and internal credit ratings for both new onboardings and our existing Fund clients
- Onboarding – work closely with the FX, Rates, Equities, Credit, Repo trading desks, as well as Clearing, Prime Brokerage and Investor Services to facilitate onboarding new business
- On-going Risk management - proactive management of exposures and preparation and presentation of portfolio risk reviews to Senior Credit Execs
- Legal Documentation - negotiate trading documentation striking a balance between commercial and credit considerations
- 3-4 years FIG Credit Risk experience in an Investment bank, preferably with some Hedge Funds experience
- Strong credit/risk analysis skills and commercial judgment
- Understanding of the Funds industry, investment strategies and the risks inherent in them
- Good product knowledge covering flow derivatives, listed futures and options, OTC Clearing, Prime Brokerage etc
- Knowledge of relevant trading documentation, eg. ISDA/CSA, GMRA, MRA, IPBA etc
- Well developed verbal and written communication skills with good attention to detail
- Understanding of quantitative concepts such as volatility, standard deviation, VaR, Stress, Greeks etc
- The confidence to build credibility and rapport with Business partners and clients
17
VP Credit Risk Management Resume Examples & Samples
- Ten plus years of relevant credit experience in a bank setting preferred
- Strong communication/interpersonal skills, ability to message at a high-level with Senior CRM managers
- Demonstrated ability to function decisively in a dynamic environment
- Strong client service and demonstrated risk management oversight
- Background in Securities based lending preferred
18
Asst VP-am Credit Risk Management Resume Examples & Samples
- Documentation Preparation and Review
- Client & Facility Set-up and Maintenance
- Annual Review Coordination
- Exception Tracking & Escalation Coordination
- Data Entry and Quality Review
- Covenant Process Coordination
- Collateral Monitoring
- Degree in Business Administration or Chartered Accountancy or Law or Chartered Secretary
- Minimum 12+ years of work experience
- Any additional professional degree will be an added advantage
- Understanding of derivatives, FX and participations/syndications
- Prior exposure to traditional credit products and traditional credit product loan documentation a plus
- Experience using the Credit Risk Infrastructure tools and applications (ARC, EN, SRGT, CRRT, OWL, SELM, etc) a plus
- Strong knowledge of banking operations
- Leadership skills to drive discussions and lead the group
- Relationship building with diverse groups and senior executives
- Have an affinity or ability for systems thinking
- People management experience and Client focus
- Control orientated and Risk awareness
19
CIB Risk-global Credit Risk Management Resume Examples & Samples
- Excellent credit credentials, analytical skills and experience plus in-depth knowledge of accounting and corporate finance
- Strong client interaction skills and outstanding verbal and written communication skills – able to partner with internal groups and interface with external clients
- Excellent product knowledge including traditional credit products and derivatives
- Ability to work independently and as a part of a team
- Experience with both financial institutions and corporate clients a plus
20
Credit Risk Management Resume Examples & Samples
- The candidate must have good attention to detail, an appreciation of controls and be capable of applying control principles to a wide variety of situations
- Proven industry experience and ideally credit risk management experience is desirable
- Basic financial product knowledge is required
- The candidate should be self-motivated, demonstrate good judgment, have good interpersonal skills, and be an effective communicator (written and spoken English)
- The candidate must be proficient in the use of Excel and PowerPoint
21
Credit Risk Management Services Assistant Manager Resume Examples & Samples
- Controls & support bank’s Credit Risk functions
- Processing of credit approvals for each type of credit line setup for the ICG clients
- Monitoring and resolution of credit data exceptions and ensuring data integrity between systems
- Driving execution of regional and local projects
- Ensure that credit lines are in place with adequate documentation
- Tracking of excesses in customers lines on daily basis & highlighting the same to Credit
- Liaison with the Centre of Excellence team in Philippines for various activities and handholding new activities/processes
- Ensuring compliance with Global Credit policy and regulatory limits
- Coordination with Relationship managers, Risk team, GTS, Markets, various Ops teams like Loan ops, Trade ops, Card Ops, Treasury ops, DAS team, Finance, Compliance etc as part of daily functioning
- Working closely with coverage team and product teams for execution of transactions and to assist on technical matters related to Ops and credit policies
22
CIB Risk-credit Risk Management Resume Examples & Samples
- Candidates should be highly motivated, have a natural passion to learn and an inquisitive personality
- Candidates should have some accounting and corporate finance coursework
- Analysts must be able to work well under pressure on teams in a demanding environment and manage multiple tasks at the same time
- Candidates should be proficient in Excel, Powerpoint and Word software
23
Director, Credit Risk Management Resume Examples & Samples
- Adjudicate credit applications within the designated portfolio and lending authority
- Proactively manage a credit portfolio of diversified small business and mid market companies through sound financial and non financial analysis as well as an understanding of emerging trends within the regional economic, industry and business environments
- Develop strong relationships with internal partners, external intermediaries and industry associations
- Provide mentoring, advice, and guidance on credit risk matters to internal partners and more junior team members
- Interact with Business Banking officers in order to assist in developing satisfactory credit solutions within acceptable risk parameters
- Attend meetings with Business Banking officers and client management teams
- Manage special projects or other new initiatives as needed
- Demonstrate a keen understanding of the current and developing regulatory environment and being current on CIBC’s credit policies, guidelines and procedures
- Demonstrate a long term commitment to learning and continuous improvement
- A university undergraduate degree along with a solid work history including at least 5 years of business banking credit experience
- Other designations considered an asset (i.e. MBA, CPA, CFA, etc.)
- Excellent lending and analytical skills – knowledge of CIBC’s lending policies, procedures and practices including risk identification and mitigation, asset valuations and recovery strategies
- Knowledge of the general economic, industry, business, accounting, legal, tax, and regulatory environment affecting customers
- Ability to perform analytical work accurately, often under time pressure
- Above average communication skills
24
CIB AVP, Credit Risk Management Resume Examples & Samples
- Data Analysis - Organize and maintain the credit risk data platform thorough the process of data collection from various data source, data standardization, data contents check, and data reconciliation
- Risk Calculation - Prepare the data set for credit risk calculation and run the risk calculation engine (e.g. Moody’s Risk Frontier, Internal Engine)
- Risk Reporting - Aggregate exposure and/or risk figures by various measures (company, industry, sector, country, etc.), and provide the reports with basic analysis
- Monthly Credit Portfolio Analysis – Collect information about backgrounds for increases and decreases of Bank's exposure to customers and causes of rating migrations
- Cooperate with stakeholders, which include management, credit risk analysis team, front offices, back offices, and IT office
- Assume other responsibilities related to tool maintenance, process establishment, and regulatory reports
- Bachelor’s degree in finance, accounting, business, economics, mathematics, physics or computer science. Master’s degree is preferred
- Significant knowledge and experience in data handling of credit risk management in financial institutions
- Knowledge about various types of corporate finance and credit rating methodologies
- Required technical skills are
25
CIB VP, Credit Risk Management Resume Examples & Samples
- Monitor credit portfolio quality against the BHC’s criteria and/or risk appetite and analyze the portfolio performance from various aspects, i.e. division, industry, and so on
- Extract relevant data from database and perform statistical analyses
- Cooperate with Credit Division, Portfolio Management Division and Front Office; introduce effective framework to control the exposure and monitor the risk
- Follow regulations and regulatory reporting requirements; incorporate new risk metrics and figures into existing risk reporting framework
- Lead subordinate to enhance knowledge for risk management and regulation
- Master’s degree in either Finance or Mathematics
- 7+ years working for a financial institution
- Ability to identify core risk factors of credit portfolio and design the analytical framework to report the risk to management and regulators
- Proficiency with credit risk management methods, models and quantitative analysis related with
26
Credit Risk Management Portfolio Management Resume Examples & Samples
- Lead the preparation of the CRM CCAR documents, which can include the running of scenario based assessments alongside the identification and quantification of all credit risks
- Undertake day-to-day activities in the context of the credit portfolio monitoring, with an eye on preventing the build-up of major risks in between regular CCAR assessments
- Lead the risk identification quarterly exercise at sub-portfolio level, focusing in MBS/CRE market, conducting interviews to credit risk officers and senior management and monitoring any development of market/business trends that may lead to the growth of material concentration risks currently not included under the existing monitoring framework
- Analysis of portfolio limit consumption, in particular with respect to concentration of credit risk along the industrial, geographical and business dimensions, including recommendations of actions to the RCCO with consideration of risk/return of businesses and the risk appetite of the firm
- Be the person responsible for monitoring and managing a sub-set of credit portfolio limits for the IB global portfolio booked in the US LLC Legal Entities and the IB Americas portfolio booked in all Group entities
- Ensure corrective actions identified by independent, on-going assessment of the credit risk management processes are implemented in full, and in a timely manner
- Preparation of US LLC RMC and Board documentation required from CRM
27
Credit Risk Management Resume Examples & Samples
- Work closely with staff from the affiliated broker-dealer
- Reviewing unusual collateral and borrower legal structures to determine acceptability and appropriate advance rates
- Provide credit support to financial advisors nationwide
- Work closely with field sales on large loan transactions and escalations
- Strong internal and external customer focus
- Ability to leverage resources across the organization to complete deliverables
- Strong analytical and credit skills
- Highly effective oral, written and interpersonal communication skills
- BA/BC; preferably finance, business or economics
- Working knowledge of Outlook, Word and Excel
- Credit background with a specific understanding of SBL underwriting policies and practices
- Securities based lending experience
- Past experience in the financial services industry
- General knowledge of banking laws and regulations
- Series 7 securities license preferred
28
CIB Risk-credit Risk Management Resume Examples & Samples
- Participating as a key member of deal teams in the formulation, approval and execution of new loans, derivatives and any other products involving credit risk with primary responsibility for due diligence, transaction structuring , and negotiation and deal execution
- Acting as the primary internal credit expert for portfolio of clients, responsible for the preparation of counterparty credit analysis, with a particular emphasis on presenting a forward-looking view of the creditworthiness of each counterparty. This involves periodic meetings with clients and attendance at industry forums
- Proactively managing the on-going credit relationship and exposure of the firm’s clients through a variety of portfolio management activities, including: maintaining client threshold and industry limits, facilitating waiver and amendments, interaction with other risk management groups to manage primary and operating credit risk on a client and portfolio level, and assessing the overall credit quality of an assigned portfolio through annual risk reviews and quarterly tiering
- Maintaining strong knowledge of investment grade and high yield capital markets including structuring, pricing and loan terms
- Maintaining proactive knowledge of developments across all real estate sectors and provide updates to all relevant parties across product groups
- Developing a network of contacts both (i) internally, with client executives, compliance officers, lawyers, internal audit, product specialists, and credit officers across other lines of business, and (ii) externally, with clients, lawyers, and other financial institutions
- Maintaining product knowledge of a wide range of derivative instruments, treasury services products, structured finance products, and the credit risk metrics, internal credit reporting systems and documentation associated with these products
- Assisting with recruiting, training and development of junior team members
- Leading or participating in working groups to establish best practices and policies to enhance processes both within CIB Real Estate and across other CIB industry groups
- Assisting with credit risk regulatory requests from external and internal auditors and other constituents
- Maintaining strong and current understanding of regulatory risk regime and leverage lending parameters established by external regulators and JPMorgan
- Strong modeling skills including the ability to develop and sensitize DCF models
- Excellent interpersonal skills, self confidence, pro-active and engaged attitude, solutions oriented, and strong team player
- Excellent written and oral communication skills, with the ability to prepare and deliver clear and concise reports and opinions
- Demonstrated credit background, analytical and problem solving skills
- Proven mentoring skills and ability to impart modeling and analytical skills to a staff of junior analysts
- Solid product knowledge, including debt, equity, derivatives and treasury services products
- Ability to synthesize and negotiate complex documentation issues in order to achieve the proper balance between client, bank and investor needs
- Ability to establish credibility, trust and to partner effectively with clients, product specialists and credit executives
- Ability to work under pressure and to multi-task; flexibility to handle challenging execution deadlines
- Proficiency in Microsoft Word, Excel and PowerPoint programs; familiarity with SNL, REIS and other real estate databases
- Successful completion of a least Degree-level education; advanced degree in finance, business administration, or economics a plus
- Completion of a major corporate/commercial bank credit training program is preferred
29
Director, Credit Risk Management Resume Examples & Samples
- Accountable for +$200M annual operating budget
- Propose, implement and measure new credit strategies and policies
- Work with Marketing, Channels, Legal, Operations to implement new programs that are appropriately risk-mitigated
- Define and approve the long-term credit and collections and fraud prevention strategies with Senior Executives
- Secure appropriate levels of OPEX and Capital funds to execute bad debt, involuntary churn and OPEX reduction initiatives
- Manage analytical and program delivery teams, and work collaboratively with cross-functional teams to execute on the credit, collection and fraud initiatives
- Propose initiatives and strategies to reduce overall collection risks contributing to overall bad debt
- Monitor and evaluate performance of credit risk scorecards through regular reporting and tracking
- Report on, forecast and provide insight on involuntary churn
- Report on and analyze the drivers behind net bad debt, and propose recommendations to reduce overall net bad debt
- Manage technical teams with data mining skills
- Manage call centre teams with approximately +150 agents
- Responsible for daily monitoring of credit and collections systems, acting as single-point-of-contact with service providers and investigating/resolving system issues
- Able to chart a 3 year roadmap and see around corners
- Curious
- 5+ years experience in a leadership position supporting a medium to large team
- Demonstrated experience in translating complex business issues in a simplistic and concise manner
- Demonstrated ability to create Powerpoint presentations and proven history of successfully presenting to Senior Executives
- Strong financial knowledge, especially on EBITDA and Net Bad Debt
- 1-2 years of experience in credit risk management such as credit, credit & collections analytics , policies and procedures
- Ideal: knowledge of statistics and data mining
30
Senior Manager Portfolio Development Credit Risk Management Resume Examples & Samples
- Providing the Caribbean and Central America (C&CA) region with retail credit risk assessment capabilities,
- Supporting the Director’s and local risk management’s strategies to control risk, and
- Developing mechanisms to monitor the overall health of the Retail portfolio
- Portfolio Management – Conduct monthly analysis and support the Director in the ongoing performance monitoring and oversight of the retail portfolio in C&CA
- Incorporate Bank’s risk appetite considerations when developing or assessing proposals, strategies and projects, identifying opportunities to support growth within acceptable risk tolerance levels
- Support efforts to ensure data integrity and proper data delivery from each country, to relevant stakeholders, for portfolio management, financial and regulatory reporting and Bank’s governance purposes
- Participate, where required, on due diligence teams for potential acquisition of portfolios
- Collaborate to protect the Bank’s assets and reputation, and ensure compliance with local regulatory requirements
- Relevant credit risk management experience and knowledge of retail banking marketplace, preferably of the countries in the Caribbean and Central America region
- Strong analytical and computer skills. Proven programming skills (SAS, SQL, other)
- Strong negotiating/leadership skills in conducting day to day business
- Independent and well organized
- Ability to speak and write fluently in Spanish is an asset
31
Credit Risk Management Credit Control Team Lead Resume Examples & Samples
- Developing and administering credit policies and procedures,
- Working in partnership with the business divisions to facilitate and approve transactions,
- Rating countries and counterparties,
- Approving credit limits appropriate to the strength and standing of the counterparty,
- Monitoring counterparty exposures and performance and mitigating unacceptable risks,
- Working out distressed credits and dynamically monitoring exposures, including country exposure and impaired assets,
- Setting and managing portfolio limits
- Task assignment, prioritization and supervision
- Setting, monitoring, and assessing performance objectives
- Hiring
- Training on technical and compliance matters
- Ensuring that the team collectively meets the objectives set by the stakeholders in London
- Performing local managerial duties such as approving timesheets
- Demonstrated management experience
- Understanding of credit risk management practices and knowledge of financial products traded by investment banks
- Good attention to detail, have a strong appreciation of controls and be capable of applying control principles to a wide variety of situations
- Team player and capable of developing a network of contacts within the bank (across various departments and offices
- Self-motivated, resourceful, demonstrate good judgment and a willingness to “get into the details”
- Good interpersonal and communication skills (written and spoken English)
- Proficient in the use of Excel
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FI Credit Risk Management Resume Examples & Samples
- Work with Financial Institutions portfolios in Japan, covering bank, non-bank and sovereign counterparties
- Engage and collaborate with business units to screen and underwrite client exposures
- Proactively manage Financial Institutions portfolios to ensure stability and corrective credit actions actions are taken
- Communicate and escalate key issues and give recommended remedial action to senior risk officers
- Communicate with local and regional teams to ensure exposure is booked and reported correctly
- An understanding of analysis Financial Institutions
- Experience of working within a risk management position within Financial Services
- Experience analysing Financial Institutions
- CFA, CMA and/or CPA licenses
33
Credit Risk Management Resume Examples & Samples
- Provide senior level support to IBD Coverage teams and the Corporate Bank with regards to due diligence and projection models on new transactions
- Document credit analysis and rationale for credit decisions
- Execute credit decisions on a wide range of corporate credit transactions including underwritings and participations primarily focused in the Leveraged Lending market
- Lead a team of approximately 3 people, including a VP and AVP, that manages coverage team credit relationships within specific industry verticals
- Independently run initial credit meetings and interaction with IBD Coverage teams and owns credit approval authority
- Ensures adherence to CRM risk appetite, policy and procedure
- Liase with various internal constituencies, external auditors, and regulators
- LI-CF1*
34
Credit Risk Management Tailored Lending Resume Examples & Samples
- Responsible for ASC 310 analysis and recommendation of provision to the ALLL for the portfolio
- Ability to meet deadlines while managing multiple deliverables
- Possess good oral and written communication skills
35
Credit Risk Management Resume Examples & Samples
- Manage ongoing quality control process for all warehouse facilities, across all assets, globally
- Prepare audit scopes and timelines for 3rd party vendors to follow
- Manage 3rd party vendors through the audit process and liaise with business/clients as necessary
- Review vendor findings/reports and manage client remediation of those findings
- Present audit findings to SPG/Credit management committee
- Assist in initial and ongoing underwriting guideline reviews and due diligence
- Understanding of consumer underwriting practices, processes and procedures
- Ability to articulate and remediate issues both internally and externally
- Ability to operate in a self-sufficient manner
- Organized
36
Credit Risk Management Resume Examples & Samples
- Manage and monitor of a portfolio of counterparties and borrowers with a primary focus on insurance companies
- Perform financial and credit analyses to establish credit-specific ratings
- Approve transactions within delegated limit authority
- Present credit opinions and transaction recommendations to Credit senior management, business units, internal audit and regulators
- Lead Credit discussions for client and transaction due diligence
- Review, diligence and approve new trade requests recommending structures to minimize risk; and
- Participate in discussions with business units regarding the portfolio and specific accounts
- Finance and/or accounting degree preferable, and
- Minimum 8 years of relevant experience
37
Svp-credit Risk Management Private Banking Resume Examples & Samples
- Manage the Greater China credit portfolio, and ensure that credit risk assessments and approval are conducted thoroughly within the respective credit authority
- Work closely with the business/private bankers on new business and ensure good balance between revenue growth as well as risk
- Be responsible for the analysis of the counterparty, underlying credit risk and transaction structure
- Negotiation of legal documentation to ensure that the T&C are in place and is in compliance with the relevant policies and internal standards
- Be responsible for the coaching of the junior credit analysts
- Have at least 10+ yaers of relevant experience in financial services with a focus on corporate investment banking or private banking risk management in Greater China
- Strong communication skills and team work attitude
- Good knowledge of IB and PBWM products
- Strong understanding of Chinese regulatory frameworks and relevant policies
- Fluency in English and Mandarin (written, spoken) is a MUST
38
Credit Risk Management Resume Examples & Samples
- Responsible for financial analysis, preparation of credit and execution of financial transactions
- Provide analytical support to the business, ensuring balanced portfolio growth - monitoring and management of portfolio exposures
- Make assessments of customers, analysing their financial integrity and business strategy as well as external market conditions and the regulatory environment
- Develop strong relationships with business partners to help them provide the most suitable financial solutions to our clients
- Build strong product knowledge for Corporate and Investment Banking, Capital Markets and Transaction Services
- Become conversant with legal documents, including documentation, loan agreements, etc…
- Learn internal policies and procedures as well as legal requirements to ensure business is fully compliant
- From Analyst level, 2 years experience in Banking (Investment or Corporate), with credit risk, research or financial analysis/control experience
- For AVP, 5 years experience in Banking, with solid understanding of Credit Risk
- Basic knowledge of Corporate or Investment banking and capital market products
- Familiar with legal documents - trading documentations and transaction banking contracts
- Experience of underwriting and Credit Analysis
39
Ccar Lead-credit Risk Management Resume Examples & Samples
- Overall responsibility for CRM's role in IHC stress testing activities and CCAR including GMS and FR-Y14Q results, analysis and documentation (with particular focus on FRY-14Q Counterparty Credit Risk schedules, GMS Largest Counterparty Default and CVA Loss Calculation), and 9Q Loss and RWA projections results, analysis and documentation (including CCR, Wholesale and Retail)
- Lead a team of approximately 10 people
- Provide input on material credit risks for U.S. Legal entities, particularly counterparty credit risk, into the risk identification and scenario design processes
- Develop and produce reports for FR Y-14Q counterparty credit risk schedules and portions of FR Y-14A schedules relevant for CRM, coordinating work amongst cross-functional groups to deliver reporting
- Approve models and coordinate challenge of results for GMS CCAR calculations, 9Q CCAR projections, 9Q banking book credit loss projections, and GMS CVA calculations
- Lead remediation efforts to address findings based on regulatory feedback and self-assessments
- Work closely with audit and model validation teams in order to identify and improve weaknesses in CCAR models
- Responsible for preparation and presentation of stress testing results and analysis to Americas senior management
40
Head of Credit Risk Management Resume Examples & Samples
- Leading the credit risk management function incorporating 2nd line credit risk monitoring and challenge, stress testing and capital forecasting in relation to credit portfolios
- Responsible for overseeing the measuring, monitoring and reporting of portfolio level credit risk metrics within the Bank
- Monitor key performance indicators on an individual and aggregate level to measure the risk exposures and report on the risk profile of the business to the relevant Risk Councils / Committees and senior management
- Continuously develop and improve the delivery of risk management within the Bank - risk analysis, risk systems and reporting
- Liaise with the Group Risk Management on all group credit risk reporting requirements
- Ensure that an effective risk control environment exists in terms of reporting, procedures and compliance
- Working closely with credit risk modelling team to further enhance the model review / build process while providing clear guidance to other business units in terms of impact and underlying drivers in relation to credit risk
41
VP Credit Risk Management Resume Examples & Samples
- Work with the Credit Policy Group to keep CRM policies and procedures and other credit risk governance documentation current
- Work with management to prepare materials for various bank exams, compliance reviews and other audit related requests
- Conduct monthly internal quality control reviews to ensure that underwriting standards are consistent with regulatory requirements
- Provide support for ongoing regulatory and compliance monitoring on the bank’s securities based lending portfolio
- Perform various projects/tasks
- Work closely with credit risk management/operational staff in assessing risk due to market changes
- Provide assistance to credit partners for other bank products when applicable
- Ability to work on multiple tasks accurately and with attention to detail in a fast paced, demanding environment
42
VP-credit Risk Management Resume Examples & Samples
- Author credit memos and present views to CRM senior professionals for approval
- Perform financial, credit and industry analyses to establish credit-specific ratings
- Review, diligence and recommend actions on new trade requests to minimize risk
- Track and monitor counterparty compliance in accordance with contractual terms and Firm limits
- Monitor public ratings of counterparties, and keep current on industry trends and rating agency criteria
- Strong accounting/finance education and skills as well as basic knowledge of loan and capital markets products
- Superior written and verbal communication skills; quantitative orientation and critical thinking
- Critical reading, writing, reasoning and communicating to assess the creditworthiness of companies in various industries
- Experience in technology, media, and telecom (TMT) and/or healthcare industry is preferred but not required
43
Credit Risk Management Resume Examples & Samples
- Responsible for credit related tasks for new transactions including due diligence, preparing credit reports, credit analysis, structuring and credit approval
- Assist in preparing transaction proposal to ensure appropriate risk mitigation procedures are included
- Review and monitor client's credit, existing credit exposure and industry concentration on a continuous basis
- Maintain the accuracy for credit risk grading given by the firm and update it on a regular and timely basis to ensure that the current ratings reflect accurately on the current industrial trends as well as risk associated to particular client's
- Perform client due-diligence related tasks from a reputational risk perspective
- Ensure global and local regulatory requirements are met through strong risk governance infrastructure and regulatory reporting
- This position is at Associate to VP level. For Associate level, candidates will support more senior Risk Managers in the team and as time goes on take on more responsibility. VP level candidates will be responsible for leading certain business lines
- For VP level candidates Credit risk experience is required, preferably in Investment or Corporate Banking
- For Associate level candidates, a strong background in financial services is still required. Candidates from Finance or Front Office will be considered
- Credit Risk knowledge within loans or derivative products
- Experience facing off to clients
44
Mspbna Credit Risk Management Credit Professional Resume Examples & Samples
- Credit Analysis and underwriting MS Wealth Management Clients
- Responsibilities to include Borrower/Counterparty credit risk assessment/underwrite (P&L, B/S, Cash Flow) and ability to assess and determine appropriate advance rates, concentration tests, covenants, EODs
- Product types include Private Equity Subscription Facilities and some or all of the following… Liquid Securities, Unsecured, Fine Art
- Private Equity Subscription Facility experience to include syndicated and bi lateral facilities and supporting documentation including but not limited to underlying partnership documents i.e. Subscription and Limited Partnership Agreements and related loan documents i.e. Credit and Security and Pledge Agreements
- 7-10 years credit risk management/lending experience with leading commercial/investment bank
- Ability to effectively communicate risk assessment verbally and in writing for the benefit of direct manager and up the line to MSPBNA CCO/CRO and Business Unit as well as FA and/or client, where required
- Ability to work alone with minimal supervision to meet required deadlines
- Ability to risk mitigate credit transactions by properly balancing amount, duration, repayment, structure, covenants and guarantors
45
Director, Credit Risk Management Europe Resume Examples & Samples
- Analyse and assess the broadening impact of extensive European Regulatory Matters and advise the CRO Europe & Asia and senior management. Create, as necessary, then update policies and frameworks to align governance with European regulations and Parent Bank
- Remain current on all European Regulatory matters, including existing, new and upcoming. Assist Regulatory Risk Management in managing any initiatives relating to the implementation, monitoring or review of regulations; put together working groups to action and implement initiatives where necessary; act as Secretary to the European Regulatory Committee
- Provide recommendations to senior members of credit risk management by reviewing and providing written recommendations on new, increased, renewal or annual review credit submissions
- Drive initiatives/projects to ensure businesses are aligned with new regulatory requirements. Identify opportunities for businesses to enhance processes, procedures and services and push forward
- Effective partnership/relationship building by communicating and managing contact with senior business leaders and colleagues both locally and globally to facilitate appropriate information sharing, project coordination and ensuring open lines of communication
- Analyse and assess large amounts of information and articulate analysis and ideas in a clear and concise manner through well-developed written skills, communicating in a style tailored to the audience, and ensure timely delivery to meet deadlines
- Create presentations for the CRO Europe & Asia and become involved in various ad hoc projects. Update the CRO Dashboard for quarterly presentations and create other regulatory Dashboards as the need becomes recognized
- Update monthly and quarterly Credit Portfolio Presentations for presentation to Senior Management
- Lead coordinator for the monitoring and reporting of the quarterly metrics of the European Risk Appetite Statement (RAS) and the CIBC WM plc RAS. Work with CRO Europe & Asia to ensure the RASs reflect regulatory risk requirements as well as Bank risks and embed these into the culture of Europe
- Act as Secretary to the Asset and Liability Committee of Plc (ALCo), assisting in initiatives/projects as needed
- Lead Coordinator of the Business Continuity Plan for both Credit Risk Management, Capital Markets Risk Management and Regulatory Risk Management; includes developing and maintaining a detailed Business Continuity Plan, Risk and Business Impact Analysis, Accurate Call Trees for each group and attendance at offsite testing
- Lead coordinator for the Plc Recovery and Resolution Plan (including the Plc Recovery Protocol), ensuring regulatory compliance and updating on at least an annual basis
- Work with Capital Markets Risk Management in maintaining and updating annually, the London Risk Registers
46
Credit Risk Management Resume Examples & Samples
- Support Credit Officers providing Credit System and credit exposure investigation support and reporting to senior managers and regulators
- Report directly to Head of Investment Banking Credit Risk Management
- Build strong working relationships with Credit Risk teams in the region as well as Credit Control teams
- Work closely with front office and back office teams; ensure that there is robust governance of credit control
- Assist Credit Officers preparing for audits and regulatory inspection as well as working on internal projects and new business initiatives
- Minimum of 5 yrs experience within Financial Services, ideally within Credit Risk
- A good understanding of control and governance
- Proficient in use of Excel and Powerpoint
- Experience working within Credit Risk in an Investment Bank,
- Proficient in macros and VBA
47
Credit Risk Management Resume Examples & Samples
- Pre-screen appropriate transactions and communicate with origination team
- Responsible for conducting all due diligence on new credit requests including credit analysis, financial statement analysis, reviewing real estate appraisals, participating in client calls, etc
- Develop and negotiate structuring recommendations within context of firm’s credit policy and philosophy. Produce high quality credit memoranda clearly outlining transaction, purpose, strengths, risks and mitigates
- Utilize credit authority in an appropriate manner in accordance with credit policies and procedures and protecting the interests of the firm
- Make approval or decline recommendations to credit approvers. Articulate recommendation in a clear, concise and informed manner
- Demonstrate acceptable level of preparation and knowledge
- Manage all loan requests within stated turn times unless justified as an exception. Manage expectations through active communication with origination team
- Provide guidance on procedures and make recommendations where appropriate
- Provide for accurate, complete and timely hand-off of transactions to the Portfolio Management team for ongoing management
- Mentor junior members of the Underwriting team
- Ensure accurate and timely update of pipeline reports
- Participate in ongoing pipeline meetings. Facilitate meeting budgeted loan volume goals through efficient and timely processing of loan requests
- Extend training and sales support as needed through ongoing interactions with business / sales and FAs
- Bachelor’s Degree required; Master’s Degree strongly preferred
- Minimum 15 years of lending and credit analysis in private bank or commercial bank
- Detail oriented with exceptional analytical skills
- Comfort with unsecured, securities-based, and commercial real estate lending
- Significant accounting and finance knowledge
- Maintain poise and presence coupled with exceptional interpersonal skills to manage relationships with sophisticated high net worth clients and their advisors
- Ability to meet deadlines and manage expectations
- Good collaboration skills in a team-oriented environment
48
Ccar-credit Risk Management Risk ID & Scenario Specialist Resume Examples & Samples
- Help develop and maintain a firm-wide Risk Identification framework to identify US material risks and vulnerabilities to be used as inputs into the scenario design process and Risk Appetite setting exercise
- Monitor macro-economic and financial markets as part of the process for designing stress scenarios that reflect the firm's unique business activities and associated vulnerabilities
- Documentation of scenario narratives and core variables to be used for enterprise-wide US scenario analysis
- Collaborate and coordinate with Group on all group-related stress testing efforts
49
Credit Risk Management Resume Examples & Samples
- Analyse and approve credit application for all of the different business lines in Japan
- Ensure that the business in Japan is consistent with global Credit policies
- Ensure lending limits and collateral linkages are robust and consistent with a stable business model
- Work closely with legal to ensure that credit documents are approved for credit transaction
- Monitor all risk events, provide commentary and advice to the business and escalate any issues to senior management
- Work on continuous improvement of risk controls
- Work on global and regional projects, as well as new business initiatives
- Minimum of 5 yrs experience within Banking
- Knowledge of corporate lending
- Experience working within Credit Risk within an Investment or Corporate Bank
- Delegated approval status for Credit transactions in the past
50
CIB Credit Risk Management Hedge Funds VP NY Resume Examples & Samples
- Perform customer due diligence and financial analysis and summarize in written credit approval memos and reviews
- Review and approve trading activity, including recommending margin requirements as well as structural enhancements
- Set and communicate credit exposure appetite across trading products utilizing internal exposure methodologies
- Oversee legal negotiations for traded products
- Be principal contact for and partner with colleagues from Sales & Trading, Prime Brokerage, Investor Client Management, Treasury & Security Services, Legal, IB Coverage, Syndicated & Leveraged Finance, Debt Capital Markets, and Ratings Advisory
- Assess creditworthiness of clients and assign appropriate credit ratings
- Maintain updated credit research on a portfolio of clients
- Demonstrate ability to mentor/guide junior resources. Manage own workload and analyst's workload, delegate with appropriate guidance and ensure deadlines are understood and met, and where needed, confidently escalate to senior managers
- Lead group wide efficiency projects
- 7 years of work experience in financial services preferred (investment banking or similar)
- Credit/Market risk experience required
- Knowledge of Hedge Fund and Asset Manager Industry preferred
- Strong interest in client interaction and possess outstanding verbal and written communication skills
- Ability to perform well under pressure in a demanding environment
- Candidates should be highly proficient in Excel, Powerpoint and Word
51
Director, Credit Risk Management Resume Examples & Samples
- Carry out thorough analysis of credit applications from CB, develop and present clear objective recommendations to Executive Directors or the SVP within the team, or at higher levels of senior management within the bank, to enable credit judgments to be made
- Review and monitor the credit risk in the existing corporate portfolio and ensure that risk ratings are up to date and accurate and that such risks are properly identified and managed. Ensure early identification of developing risk issues are promptly communicated to management
- Monitor developments across specific industry sectors, identifying major risk factors and investigate any adverse developments that may affect portfolio; bringing these to the attention of senior members of the CRM team
- Currently approved strategic focus on Infrastructure, Energy and Mining as well as supporting relationships to Canadian corporates wishing to operate in Europe. Asian business comprises support of existing key multinational relationships, and a growing project finance/infrastructure loan portfolio in Australia, where a new branch licence has recently been obtained
- Assist in maintaining a constructive partnership relationship with CB and wider lines of business in order to support them in achieving their strategic plans. Effectively liaise with, and provide guidance to, the business on credit related matters
- Assist in instilling a strong credit culture through gaining a clear understanding of the risk appetite, culture and risk governance of CIBC and further ensure compliance with credit policy and regulatory requirements. Develop a clear knowledge of CIBC systems, policies, procedures and sectors of operation
- Assist in preparation of risk reports for the CB portfolio which are used by senior management for monitoring the risk dynamics of the book
- Educated to degree level with a minimum of 5 years’ experience gained in a corporate banking and/or risk management environment in a large multinational financial institution
- Experience of lending across multiple industries throughout Europe preferred, ideally with some exposure to mining, energy and/or infrastructure sectors, and covering both investment grade and non-investment grade corporates
- Good understanding of industry and global economic environment with ability to analyse emerging risks
- Working knowledge of capital markets products including derivative transactions. Familiarity with techniques for quantification and measurement of counterparty credit risk, as well as underlying documentation issues, is preferred but training will be provided if necessary
- Excellent communication skills, both written and oral, sufficient to prepare informative and analytical materials involving precise articulation of ideas and opinions
- Ability to communicate at all levels
- Self-motivated and flexible approach with strong initiative and integrity
- Ability to manage and resolve conflicting objectives and priorities to meet deadlines
- Excellent attention to detail and forensic approach to identify risk issues and think creatively and strategically on how best to mitigate them
- Adaptable and conscientious manner with ability to form independent clear conclusions and recommendations promptly, or refer to senior colleagues when necessary
- Good working knowledge of external financial and regulatory environment from a risk perspective. Knowledge of European regulatory and legal systems
- Proficiency with Word, Excel, PowerPoint and Outlook as well as other modern business software and technology
- Foreign languages an advantage
52
VP, Credit Risk Management Resume Examples & Samples
- Minimum 15+ years of solid commercial, real estate lending (including real estate project financing), equipment finance lending and oil and gas production lending, complemented by excellent knowledge of retail banking
- Proven experience building inclusive, high-performing work environments, while guiding and developing teams and leaders
- Provide recommendations and support to the Senior VP, Credit Risk Management by reviewing and assessing new, renewal and reportable risk assessment summaries to achieve a quality well balanced and profitable portfolio within the context of Bank Policy
- Assist in review of the adequacy and establishment of collective and specific allowances for credit losses
- Continually review and administer existing credit policies, making recommendations for change and/or establishing new policies
- Proactively develop strong relationships of trust and support with branches and regional leadership including discussion and assistance with pre-submission reviews, loan structuring, terms and conditions development, risk assessment summaries and problem loans
- Compile, analyze and provide recommendations regarding a variety of loan reports including branch out of orders, impaired loans, watch list accounts, and risk ratings and portfolio mix as it relates to CWB’s strategic business plan and stated risk appetite
- Drive a culture and focus on process improvement, efficient operations and within CRM, including strong partnership with key stakeholders to optimize technology and other tools that support credit risk practices and processes across the bank
- Prepare reports for Management, the Bank Credit Committee and Loans Committee of the Board of Directors
- Prepare summaries and other information required by OSFI and external auditors
- Drive effective and disciplined talent acquisition, coaching, performance management, development, engagement and succession planning practices with effective leadership, motivation and direction to employees
- Build a high performance team culture within CRM that is based on a foundation of integrity, accountability, respect, common sense and caring
- Act as a senior leader champion and role model for CWB’s Code of Conduct
- Assist in the development and delivery of ongoing bank initiated training and development programs related to lending for staff across the Bank
- Provide leadership assistance and coaching to CRM teams regarding approval, restructuring, and decline of credit applications. Approve credit applications (new, renewal and reportable) within a delegated credit limit
- Inspire trust by being open, honest and direct in communication, meeting commitments and behaving ethically in all dealings
- Accept responsibility and accountability for actions and results
- Make decisions guided by common sense and sound business judgment
- Prepare and regularly review annual goals and career development plan with manager/supervisor
- Promote cooperation and commitment within the CWB Group towards the attainment of common goals enabling productive group interactions
53
Credit Risk Management Resume Examples & Samples
- Participate in the development of an etrading / intraday trading framework across all of Morgan Stanley’s securities business
- Responsible for account coverage of existing etrading clients including limit setting, limit breach remediation, monitoring, and enhanced diligence
- Perform portfolio level review both within Credit Risk Management (CRM) and with Business Unit Risk Management (BURM) to ensure ongoing compliance with the Firm’s risk appetite
- Develop and maintain a suite of reporting metrics used to inform CRM of the risk being undertaken in the etrading space
- Active member of the onboarding process to identify and approve new clients to the etrading product
- Participate in the documentation of a stress testing mechanism for the etrading product and implement escalation procedures for large exposures
- Work with senior Credit Risk officers to incorporate and adhere to CRM reporting standards as well as Federal reporting mandates (Basel/CCAR) requirements
- Assist in the approval and ongoing management of the Institutional Equity Margin loan product
- Provide support to hedge fund team members assisting in account and product coverage
- Work with IT to enhance risk metrics and sensitivities on the OTC portfolio within the CRM systems
- Bachelors Degree in Mathematics, Finance, or Economics
- Minimum 5 years experience in a financial risk role with reporting experience
- Familiarity with analyzing Asset Managers and Broker Dealers a plus
- Previous business analysis or project management experience preferred
54
Credit Risk Management Resume Examples & Samples
- 10 Years + Experience in Loan Review Function or similar role, including strong fundamental credit analysis background
- Recent Federal Reserve Examiner experience a strong plus
- Strong knowledge of US banking regulations and demonstrated ability to quickly translate regulatory changes into deliverables
- Experience in managing regulator interaction, including coordinating meetings, leading presentations and responding to information requests
- Proven forward thinking capabilities and thought leadership to advance the team’s goals and foster collaboration across a wide variety of stakeholders
- Excellent written and verbal communication skills, including the ability to intellectually challenge and be challenged with management and teams across the organization
- Self-confidence but a strong sense of commitment to fostering a positive team atmosphere
55
Credit Risk Management Tailored Lending Resume Examples & Samples
- Manage a portfolio of Tailored Lending Borrowers (High Net Worth and Ultra High Net Worth Individuals) and Loans (Securities Based, Commercial Real Estate, Unsecured, Art, Privately Held Assets, and Credit Capital Calls)
- Timely transition loans from Underwriting to Portfolio Management with a thorough review of the credit including, but not limited to, ensuring that: (i) loan documentation accurately represent the terms of the credit approval memorandum and permits Morgan Stanley to enforce its rights on the collateral in a default situation; (ii) Internal Credit Ratings are current and accurately reflected in the reporting systems; and (iii) financial covenant and financial reporting trackers are accurate
- Promptly respond to daily Margin Calls
- Continuously monitor the ongoing financial condition and performance of the Borrowers inclusive of financial covenant compliance, financial reporting compliance, tax payments, maintenance of insurance, and monitoring the value/condition of loan collateral
- In conjunction with the Senior Lending Transactor and/or Financial Advisor, maintain frequent communication with the Borrower. Keep current on major developments and changes in financial condition and identification of potential additional financing needs. Credit Professional is required to keep the Senior Lending Transactor informed of relationship status and action plans on an ongoing basis
- Identify early warning signals in deteriorating credits. Stay current on major developments and changes in market conditions
- Escalate material individual relationship or portfolio observations promptly including past due reporting, and negative trends
- Make timely recommendations regarding changes in credit classification and risk rating. Develop and implement remedial action plans
- Identify, address, and remediate covenant violations timely with proper documentation
- Work with internal and external legal counsel and loan operations to prepare amendments, waivers, and default notifications
- Manage all requests for new extensions of credit within stated turn times unless justified as an exception. Manage expectations through active communication with Senior Lending Transactor, FA and/or client
- Prepare high quality credit memos with approval or decline recommendations to credit approvers. Articulate recommendation in a clear, concise and informed manner. Demonstrate acceptable knowledge and preparation of material
- Responsible for conducting all due diligence on new credit requests, modifications, renewals, and increases for new and existing clients including credit analysis, financial statement
- Exercise credit authority in an appropriate manner in accordance with credit policies and procedures to protect the interests of the firm
- Ensure accurate and timely update of pipeline reports and turn-time tracker. Participate in ongoing pipeline meetings. Facilitate meeting budgeted loan volume goals through efficient and timely processing of loan requests
- Complete within designated due dates Annual Reviews, Renewals, Amendments and the underwriting of new extensions of credit to portfolio clients
- Accurate and timely update of credit data in systems to ensure the ongoing integrity of management and regulator reports
- Responsible for maintaining the integrity of Borrower’s loan data in internal credit systems and for the ongoing maintenance of accurate internal credit ratings
- Bachelor’s Degree required. MBA preferred although not required
- Minimum 7 - 10 years of lending and credit analysis in private bank or commercial bank
- Detail oriented, with exceptional analytical skills
- Well organized and able to work in a fast paced environment
- Possess excellent oral and written communication skills
- Possess strong customer service, problem identification and solution techniques
- Ability to manage Business Unit, Financial Advisors and client expectations
56
Credit Risk Management Resume Examples & Samples
- Authority within a specific risk management area
- 8 plus years’ experience within Wholesale Banking, which may include front office roles at a sufficiently senior level (at least Director)
- Working knowledge of counterparty and market risk
- Working knowledge of financial markets products including interest rate, commodity and FX derivative products, ISDA terms and negotiation
- Logical and well-reasoned level of thinking
- Excellent communication skills, and fluent in English
57
Credit Risk Management Resume Examples & Samples
- Provide support to IBD Coverage teams and the Corporate Bank with regards to due diligence and projection models on new transactions
- Assist in executing credit decisions on a wide range of corporate credit transactions including underwritings and participations primarily focused in the Leveraged Lending market
- Provide support to Director in managing coverage team credit relationships within specific industry verticals
- Assist in running initial credit meetings and interaction with IBD Coverage teams and owns credit approval authority
- Liaise with various internal constituencies, external auditors, and regulators
58
Credit Risk Management Resume Examples & Samples
- Develop and negotiate structuring recommendations within context of firm’s credit policy and philosophy
- Produce high quality credit memoranda clearly outlining transaction, purpose, strengths, risks and mitigates
- Make approval or decline recommendations to credit approvers
- Articulate recommendation in a clear, concise and informed manner
- Minimum 15 years of lending and credit analysis in private bank or commercial bank. -Formal commercial credit training required
59
Regional Credit Risk Management Manager Resume Examples & Samples
- Ensure compliance with the global credit risk management guideline
- Liaise with regional business counterpart, identify and perform credit risk assessment for group customers
- Drive process improvement and maintain proper risk control
- Support and implement credit risk management projects
- Ensure internal control compliance are in place
60
AVP, Credit Risk Management Resume Examples & Samples
- Minimum 10 years strong lending background (Commercial, Real Estate, and Equipment Finance) with a preference for individuals who have direct experience managing problem accounts and work-out situations
- Proven management/leadership experience
- Previous experience working in a Credit Risk adjudication role is considered an asset
- Working knowledge of Moody's Financial Analyst
- Strong knowledge of working systems- BFE, Excel, Word, HOBS, WAVE and Adobe Forms
- Strong organizational, analytical, negotiation and mediation skills
- Prior experience with financial statement analysis and accounting software programs
- Ability to maintain professionalism while managing conflict
- Ability to build effective relationships with various stakeholders and parties (Branch Managers, Account Managers, Legal Counsel, Senior Executive)
- Strong interpersonal and communication skills (both written and verbal) including the ability to draft reports and loan summaries for senior management
- Excellent risk analysis skills
- Ability to work through complex situations and yield solutions
- Provide recommendations and support to Senior Management by reviewing and assessing new, renewal and reportable credit applications to achieve a quality, well balanced and profitable portfolio
- Approve credit applications (new, renewal and reportable) within a delegated credit limit
- Prepare recommendations for approval, restructuring, decline of credit applications
- Discuss terms and conditions of credit applications and related matters with branches as required
- Assist in the administration of credit policies
- Assist in the review of branch out-of-order, watch list and non-performing loan reports and provide approval or recommendations as to action plans and remedial procedures
- On a continual basis, assist in the review of existing credit policies making recommendations for change and/or establishing new policies
- Assist in compiling and consolidating impaired loan and watch list reports on a quarterly
- Further, provide statistics and evaluations on an ongoing basis, on risk ratings and
- Portfolio mix with a comparison to the business plan
- Assist in review of the adequacy of specific loan reserves
- Assist in the preparation of reports for Management and Loan Committee of the Board of Directors
- Discuss and provide assistance to branches with pre-submission reviews and problem loans
- Assist in preparing summaries and other information required by OSFI and external auditors
- Prepare performance appraisal and monitors progress and training of support personnel
- Co-ordinates the preparation of Security Documentation Overviews and quarterly bulletins
- Promote satisfactory working environment through open communication, cooperation and respect for all staff members
- Develop short and long term personal learning goals for continuous learning and development in the areas as identified by incumbent and manager
- Pursue continual learning and development of personal goals to remain current regarding industry development and trends in order to meet the Bank’s and your individual goals
61
Manager, Credit Risk Management Resume Examples & Samples
- Exercise discretionary lending limits as delegated to approve credit risk ratings and decision credit applications
- Review and analyze commercial loan and mortgage applications, together with supporting documentation, to ensure compliance with the company’s policies, guidelines and regulatory requirements
- Ensure the analysis is independent, accurate and thorough and recommendations address issues and exceptions that mitigate the company’s risk and exposure
- Maintain the quality of the credit portfolio under your jurisdiction to ensure the portfolio performs within the company’s established risk appetite and applicable regulatory requirements
- Minimize loan losses by performing sound credit analysis and adjudication
- Collaborate and act as a liaison between the various business partners to further success of the risk partnership
- Suggest changes to the structuring of transactions to strengthen the company’s position in case of default
- Provide advice and guidance to colleagues on credit risk issues
- Support the internal and external audit process as directed by the Director, Commercial Credit Risk Management and liaison as appropriate with various stakeholders and regulators
- Ensure satisfactory audits from internal and external sources
- Prepare credit proposals above delegated lending limits for approval by the appropriate individual, committee or Board of Directors
- Minimum 5+ years of progressive credit risk, underwriting and adjudication experience within commercial lending with an emphasis on commercial real estate
- University degree in Business or Finance or equivalent industry experience
- Bilingual (French & English)
- Must possess strong analytical and problem solving skills and the ability to assimilate and interpret analyses and trends in order to reach conclusions regarding the type and magnitude of risk associated with various clients, industries and products
- Demonstrated collaboration expertise with the proven ability to foster positive and productive outcomes to ensure adverse credit decisions are addressed professionally, effectively and efficiently
- Highest level of professionalism, self-motivation and sense of urgency with the ability to work successfully with minimal supervision
- High proficiency with Microsoft Office applications
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Head of Credit Risk Management for Private Banking Resume Examples & Samples
- Taking full credit responsibility for a rapidly-growing credit portfolio that has already more than doubled in the past two years
- Holding ultimate accountability for approving all transactions that are booked into Hong Kong and the other markets under your sphere of control
- Leading a high performing team of circa 20 credit officers spanning 5 locations. You will provide leadership and mentoring to ensure team stability, increase employee engagement and strong team retention
- Interacting and partnering with the relevant regulators for the markets you oversee, serving as the Bank’s senior Risk executive in that face-off role
- Conceptualizing and project managing specific credit-related projects to deliver efficiencies and enhanced capabilities / functionality
- Representing CRM in regional and global governance forums including various risk committees and global governance forums
- Providing thought leadership and guidance on PB strategy to the Bank’s executive leadership team and PB market heads from a risk management viewpoint
- Establishing your credibility as an advisor to the Business, leveraging your deep understanding of the PB CRM space to help Credit Suisse achieve its exciting growth plans in an appropriately controlled and managed fashion
- Proactively engaging with Private Banking on new transactions that enable revenue growth along the lines of a through-the-cycle sustainable balance between risk and reward
- Contributing to the regulatory / change agenda by being involved in, and leading, CRM related project work
- Shaping the human capital agenda for the function; you will grow your team and implement initiatives to constantly build outstanding delivery capability
- Degree in banking, finance or similar relevant professional accreditation desirable
- Excellent track record as a risk or business manager with the experience of managing / structuring / approving complex financing and hedging transactions
- An excellent understanding of PB products and cross-over IB products sold to PB clients and the respective risk implications of such products
- Relevant prior experience (over 10 years) in financial services with a focus on corporate banking or investment banking risk management in Hong Kong or Greater China
- Proven comfort level with dealing with complex and difficult transactions and deal situations
- Ability to handle difficult conversations and stand up to pressure while at all times maintaining composure and solution-focus
- Experienced in dealing with internal auditors / regulators and the skill to negotiate with them to reach mutually satisfactory outcomes
- An ability to take the long view and balance business and risk considerations
- Effective delegation and team-building skills; you will be a manager who thrives on making your subordinates feel empowered and successful
- Strong understanding of Chinese financial markets, financing structures and regulatory framework
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AVP, Credit Risk Management Resume Examples & Samples
- Minimum ten (10) years strong lending background (Commercial, Real Estate and Equipment Finance) with a preference for individuals who have direct experience managing problem accounts and work-out situations
- Working knowledge of Moody’s Financial Analyst
- Strong computer skills including working knowledge of Excel, Word, T24, WAVE and Adobe Forms
- Under the direction of the Sr. AVP High Risk and the VP CRM, responsible for the overall day to day management of a portfolio of High Risk accounts, with the goal of restructuring loans to an acceptable level of risk or to maximize recovery of capital. This may include the direct management of impaired loans and the oversight of watch loans providing assistance to Branch Lenders, as required
- Evaluate and analyze financial statements and review business plans to recommend appropriate recovery strategies, to Credit Risk Management, High Risk for approval
- Where supportable, seek forbearance situations to allow borrowers to resolve asset or business realizations that address the Bank’s risk position in a timely manner; with CRM approval and assistance
- Meet with clients to understand the clients’ situation, exposure, and collateral to establish an initial course of action for account resolution. With input from the Credit Risk Management High Risk Team, recommend the initial workout plan and revise as necessary based on the changing circumstances
- Complete the necessary underwriting (RAS), Watch List or Impaired Reports for those accounts under direct management providing recommendations and action plans to Credit Risk Management for review and approval
- Assist Branch personnel in the ongoing management of those loans that are classified as watch list through the assessment and approval of action plans leading to a negotiated restructuring and account resolution. This includes keeping appraised of current industry trends as it relates to underwriting and risk appetite
- Continuously monitor branch reporting of loan portfolios through the regular review of arrears, out of order reporting, audit reports, CRM reporting and credit responses for weaknesses including covenant breaches, financial deterioration, arrears, security impairment and other material adverse changes
- Recommend account downgrades to watch and impaired status under the requirements of the Bank’s Lending Policy and guidelines
- Discuss (as applicable) related matters with Bank Agents, such as solicitors, receivers, and consultants
- Prepare quarterly Watch and Impaired reports as assigned for presentation to the Senior Executive and to the Risk Committee and Audit Committee of the Board of Directors’
- Assist in preparing reports, summaries, updates and any other information required by OSFI and external auditors
- Inspire trust by being open, honest and direct in my communication, meeting my commitments and behaving ethically in all my dealings
- Treat all stakeholders with professionalism, dignity and respect and support an environment where people can contribute and excel
- Accept responsibility and hold myself accountable for my actions and results
- Make decisions guided by common sense and sound business judgement
- Prepare and regularly review my annual goals and career development plan with my manager/supervisor
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Credit Risk Management Resume Examples & Samples
- Preparation of transaction memos to support CRM decisions and approvals
- Interaction with deal teams and Corporate Lending regarding CRM follow-ups associated with underwritings and amendments/extensions of credit
- Understanding and taking views on various transactions and transaction structures requiring CRM insight and approval
- Assisting in creating complete, clear and succinct written analysis of credit pages for transactions
- Authoring periodic credit monitoring reviews within industry vertical including modeling and ongoing surveillance
- Justifying proposed credit and regulatory risk ratings
- Processing credit authorizations in internal approval system
- Being responsible for ad hoc duties as requested by senior team members and CRM management
- Minimum of 3 years of experience within credit or accounting related functions
- Bachelor’s Degree in Accounting / Finance / Economics; credit training preferred
- Solid analytical and writing skills
- Solid attention to detail and ability to multi-task
- Ability to work on a team under demanding deadlines
- Ability to succinctly communicate
- Solid motivation and ability deliver quality work products with modest supervision
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Credit Risk Management Resume Examples & Samples
- Assist Underwriters and/or Portfolio Managers with the following
- Pre-screen transactions and communicate with Senior Lending Transactor / Origination team
- Develop structuring recommendations within context of firm’s credit policy and philosophy
- Conduct due diligence including financial statement analysis, collateral analysis, risk rating, etc
- Produce high quality credit memoranda clearly outlining transaction, purpose, strengths, risks and mitigants
- Manage all loan requests within stated turn times unless justified as an exception
- Actively communicate with Underwriter/Portfolio Manager, Senior Lending Transactor, FA and/or client
- Ensure loan documentation accurately represents the terms of the loan approval and permits Morgan Stanley to enforce its rights in a default situation
- Manage a diverse portfolio of securities based, commercial real estate and unsecured loans
- Monitor the ongoing financial condition and performance of Borrowers/Guarantors, covenant compliance, and the value/condition of collateral
- Make timely recommendations regarding changes in credit classification and risk rating
- Develop/implement remedial action plans as needed
- In conjunction with the Senior Lending Transactor and/or Financial Advisor, maintain frequent communication with the Borrower and the Borrower’s advisors
- Keep current on major developments and changes in financial condition and identification of potential additional financing needs
- Keep the Financial Advisor informed of relationship status and action plans on an ongoing basis
- Work with internal and external legal counsel and Loan Operations to prepare loan agreements, amendments and waivers
- Maintain the integrity of Borrower’s internal credit ratings and other loan data in internal credit systems
- Utilize credit authority (if delegated) in an appropriate manner in accordance with credit policies and procedures and protecting the interests of the firm
- Escalate material individual relationship or portfolio observations promptly
- Prepare FAS 5 and 114 analysis and recommendation of provision to the ALLL for the portfolio
- Participate in projects related to collateral expansion, policy and procedure changes, etc
- 1-2 years of lending and credit analysis in private bank or commercial bank preferred
- Formal credit training a plus
- Excellent oral and written communication skills and presentation skills
- Poise and presence coupled with exceptional interpersonal skills to manage relationships with sophisticated high net worth clients and their advisors
- Strong customer service, problem identification and solution techniques
- Ability to multi-task and meet deadlines
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CIB Risk-credit Risk Management Resume Examples & Samples
- Candidates should have extensive accounting, credit and corporate finance coursework
- Interest in client interaction and possess outstanding verbal and written communication skills
- Be able to work well under pressure on teams in a demanding environment
- Basic knowledge of overall political and economical situation in the region
- Language skills: English and Spanish
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Citibank KL Credit Risk Management Services Head Resume Examples & Samples
- Degree, preferably in Finance, Accountancy or Banking
- Minimum 3 years experience in Credit Operations
- Hands on experience in daily processing with abllity to grasp and learn quickly and have good understanding in BNM Regulatory guidelines pertaining to Credit and Risk policy & guidelines
- Computer literacy especially in Microsoft Excel with strong numerical skills and attention to details
- Team player, strong numerical skills and attention to detail with a high level of accuracy
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Credit Risk Management Internship Resume Examples & Samples
- Prepare financial spreadsheets by extracting relevant information from companies' financial statements
- Communicate directly with a variety of investment professionals and be an integral part of the investment decision process
- Participate selectively on conference calls with companies' management teams
- Gain exposure to a variety of domestic, foreign, public, and private companies in diverse industries and varying worldwide accounting standards (primarily US GAAP and IFRS accounting standards)
- Work with a member of the Investment Management team on preparing a written investment recommendation report and present your work to the Securities Committee
- Option of attending meetings of the CFA Society of Nebraska where presentations are given by public companies, industry analysts, economists and investment strategists
- Interns for this position are required to work 20 hours per week during the school year and full-time (40 hours/week) during the summer months
- Must have Undergrad Junior status at the time of application or be a Graduate student through duration of the internship
- Completion of, currently taking, or registered to take the following courses
- Completion of Intermediate Accounting 1 preferred
- Accounting, Banking and Finance, and Economics majors or related to investments
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Credit Risk Management Resume Examples & Samples
- Create and maintain a risk management framework in compliance with local regulation and adequate for the risks in MS France, primarily focusing on Credit, Operational and Market risk
- Independent oversight, monitoring and reporting of MS France’s Credit, Market, Operational and Liquidity risks, including limit management
- Liaison with the French regulator in all aspects concerning MS France and its affiliates
- Handling capital related requirements e.g. ICAAP
- Liaison as necessary with other functional groups including finance, operations or controllers, including UK Group as the parent entity
- The role will eventually expand to cover other Legal Entities e.g. MS Luxembourg
- Proven knowledge and experience of dealing with the French regulator
- Experience in risk management, preferably with a focus on counterparty credit risk
- Strong knowledge of financial products, including an understanding of risk representations and a solid understanding of risk management concepts such as VaR, stress testing, and capital
- Strong communications skills, verbal and written and ability to build relationships internally and externally
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Credit Risk Management Manager Resume Examples & Samples
- Supervise the analysis of quantitative and qualitative data about the business and financial operations to support the extension, expansion or restriction of credit
- Ensure fiscal stewardship and prudent control to improve sales potential of MSD, while protecting its accounts receivable asset
- Manage a high performing team of credit analysts to develop formal credit proposals and monitor daily orders against credit limits
- Enable the completion formal, written reviews in accordance with corporate policies
- Address Treasury, Finance, and key business stakeholder needs and their impacts on business objectives on issues associated with high-risk accounts
- Oversee banking activities and the overall relationship, including: lockbox services, credit card administration and cash application process
- Build relationships with collection agencies and credit reporting agencies
- Recognize customers’ strategy and business development objectives and implications for credit
- Bachelor’s Degree in Business Administration, Accounting or Finance
- Minimum of 5 to 8 years of experience in a finance or accounting department of a multinational company, including demonstrated experience dealing with Credit Risk Management
- European, Middle East and Africa experience in the area of Credit Risk Management preferred
- Business-level English language skills (speaking and writing) required
- Experience using SAP desired
- Familiarity with US GAAP preferred
- Have considerable experience with customer negotiations
- Management and supervisory experience preferred, preferably in a shared service environment
- Advanced problem solving and analytical skills with a proactive management style to implement new processes
- Have a thorough knowledge of credit-related laws
- Knowledge of business processes supported by transaction processing capabilities
- Ability to read, analyze and interpret corporate financial statements
- Ability to work independently and with a team in a fast-paced and high volume environment with emphasis on accuracy and timeliness
- Experience working with credit scoring models
- Intermediate to Advanced PC skills (MS Excel, Word, PowerPoint) required
- Demonstrated commitment to education and professional development
- Ability to operate independently and remain focused through change or uncertainty
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VP-head of Credit Risk Management Resume Examples & Samples
- Set a team climate that aligns to the Brighthouse culture
- Design and build a separate review and oversight framework capable of providing an informed view on Brighthouse Financial’s credit assessments
- Develop a target operating framework for monitoring and evaluating credit risk. Identify potential gaps where current processes lack sufficient independent control, oversight and challenge
- Provide ongoing effective challenge of investment strategies and investment decisions including review of appropriateness of assumptions used and recommendations made
- Responsible for credit risk concentrations and aggregation reporting, exposure methodology, limit setting and monitoring, escalation of limit breaches to management and portfolio reviews
- Participate on the Enterprise Risk Committee as needed
- Develop and document formalized review and approval procedures by asset class across the credit risk lifecycle
- Develop and implement reporting process for key investment decisions to the Enterprise Risk Committee
- Develop and document quarterly asset stor reviews and formalized review procedures
- Facilitate review by the Enterprise Risk Committee of key investment and investment risk policies
- Relationship Management expertise
- Strong communication and partnering skills
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Credit Risk Management Resume Examples & Samples
- Minimum 7-10 years of prior work experience in corporate credit related functions including new origination roles within leveraged lending, and in depth knowledge of regulatory guidance on Leveraged Lending
- Excellent understanding of credit analysis and various credit distribution markets
- Solid understanding of due diligence process and sound understanding of corporate credit transaction documentation
- Experience in leading small to medium sized teams
- Ability to work in high pressure environments under tight deadlines
- Ability to effectively communicate views to senior business partners and senior credit risk management as well as external stakeholders including regulators
- MBA or Advanced Degree preferred
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Summer Internship Credit Risk Management Resume Examples & Samples
- Researches and analyzes root causes of identified risk trends. Accesses other reporting, data or productions systems to research root causes of trends or validates data integrity. May perform audits to ensure compliance with credit policy or ensure standard systems working correctly
- Develops and recommends strategies/actions to mitigate potential risks. Works with Risk Managers to recommends actions and/or mitigation strategies to business line and senior risk management to address emerging risk trends. Establishes tracking and assessment for new and existing strategies. Analyses may influence business line leaders’ ultimate decisions regarding credit policy and portfolio quality
- Project management. Involvement with multiple and moderately complex projects and analyses. Participates in cross-functional projects, working with business line peers and supports Risk Managers
- Creates reports and tests transactions ensuring compliance with credit policy/applicable regulatory guidance. Analyzes applicable regulatory guidance to identify gaps in portfolio management compared to regulatory standards. Makes recommendations to management to close identified gaps. Reviews reports by internal governance groups and ensures outstanding recommendations are closed
- Drafts and maintains documentation of procedures for producing reports
- Business, Mathematics, or related field and/or equivalent work experience
- Excellent technical report writing skills
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IB Risk-credit Risk Management Resume Examples & Samples
- Strong understanding of cash flows, balance sheets, & business analytics
- Possesses a solid understanding of financial products and market dynamics
- Strong communication skills - able to partner with internal groups and interface with external clients
- LI-POST*
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Market & Credit Risk Management Intern Resume Examples & Samples
- Earning a Bachelor’s or Master’sdegree in Business, Financial, Engineering, or related field (students MUST be continuing education towards degree during and/or after internship)
- 0 GPA or greater in both cumulative GPA and major GPA
- Experience in utilities, municipalities, construction, or engineering consultation
- Ability to work in a team environment and support fellow team members
- Strong communication skills, both oraland written
- Takes initiative and can work independently with minimal direction
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Credit Risk Management SPG Lending Global Portfolio Manager Resume Examples & Samples
- Project Management: Involvement in lending project working groups
- Underwriting Standards: Oversee tracking and reporting of U/W Standard exceptions
- ACL Reserves: Responsible for ACL and Q&E across lending products
- Limit setting and monitoring: Develop, size and monitor appropriate risk limits; monitor utilization and ensure accuracy of all data and calculations
- Portfolio Reporting: Review and/or produce risk management reports and presentations for senior management and external constituencies. Includes maintaining weekly change over change reports for senior management, identifying new positions, exposure change drivers, etc
- Stress Testing: Implement and perform portfolio and transaction-level stress testing as necessary and participate in working groups
- CCAR: Assist in the execution of CCAR-related calculations, reports and documentation
- Business Performance: Assess performance of businesses against KRIs, analysis of syndication vs. plan, etc
- Quality Control (QC): Involvement in annual quality control processes for existing portfolio
- BU Asset Management Liaison: Primary point of contact with BU Asset Management teams across CRE and FID Secured Lending. Review quarterly review meeting materials, providing feedback and coordinating any required input from Credit Officers
- Evaluations: Team will be responsible for executing a validation around existing CRE valuations/appraisals
- Data Quality: Ensure quality of lending data by identifying deficiencies, errors and omissions and escalating to loan operations, FRM reporting, the BU, etc
- Market Intelligence: Provide senior management with updates on market developments on an ad-hoc / as-needed basis including thematic trends and competitor intelligence
- Bachelors or Masters degree (preferred) with 5-10 years of work experience in finance/accounting
- Demonstrable track record of working under pressure and managing multiple projects with limited supervision
- A background in risk management, investment banking, PE, or advisory in the Real Estate and/or Fixed Income space would be ideal
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Credit Risk Management Intern Resume Examples & Samples
- Enrolled in college or college graduate within the last twenty-four months
- 0 GPA or above preferred
- A strong statistical background is required, specifically with generalized linear models, along with experience using R and/or Python
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Head of Global Credit Risk Management Resume Examples & Samples
- Maintains the corporate credit policy
- Recommends changes in the credit policy to senior management
- Maintains relationships and recommends credit rating agencies to be used to senior management
- Manages global customer credit files
- Monitors the credit granting and updating process on a global basis (inclusive the processes in the Shared service centers)
- Accepts or reject credit recommendations
- Personally investigates the largest customer credit applications
- Monitors and reports periodic credit reviews
- Monitor and reports on a periodic basis the global- and local credit risks
- At all times, comply with SGS Code of Integrity and Professional Conduct
- Good communication skills and ability to develop strong contacts in the Industry
- Flexible, forward thinking individual
- Results and service focused, ability to prioritize and work efficiently
- Discrete and sensitive to confidential matters
- At ease and precise with numbers
- Being capable of dealing with stress
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Credit Review / Credit Risk Management Resume Examples & Samples
- The US and global loan & derivatives portfolio has been appropriately reviewed
- Potential weaknesses at the borrower and/or portfolio level have been reported and an appropriate remediation plan is agreed to with the relevant stakeholders; and
- Evaluate activities of lending and transaction support personnel in Corporate Bank and Credit Risk Management, ensuring compliance with policies, approvals, monitoring and risk assessment
- Review loan underwriting practices including CS Credit Rating, Transaction Rating and US Regulatory Rating assignment and adherence to relevant policies
- Identify existing and/or emerging risks and credit issues relating to credit quality and management of credit risk including but not limited to
- Gaps in risk rating accuracy, underwriting, credit approval, monitoring, relationship management and credit administration activities
- Trends, overall condition, and emerging risks within the loan portfolios
- Assess the effectiveness of problem loan management
- Credit Portfolio Review
- Execute continuous and periodic risk-based loan review programs for all U.S. and global loan portfolios as directed
- Identify portfolio trends at the sector/industry level
- Lead a team of examiners, conduct full scope reviews of credit portfolios, and write reports of conclusions and recommendations emanating from the reviews
- Monitor an assigned credit portfolio on a continuous basis, conducting transaction reviews of new business, and summarizing results and recommendations in quarterly reports
- Involvement in special project assignments
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ICG Central Liability Head-credit Risk Management Services Unit Resume Examples & Samples
- Oversight of the operations processes involving Credit Facility Management in accordance with the credit risk policy of the Bank
- Ensure adequate control framework on adequacy of Legal documentation before release of credit facilities. Liaise with Legal to ensure the documentation formats and exceptions are appropriately executed
- Engage with the Business and Risk stakeholders on an ongoing basis to optimize the credit limits to minimize exceptions
- Be a lead in the ICG Credit Risk Automation initiatives. Proactively engaging with in-country and Regional partners for timely and effective closure
- Analyze inter-departmental metrics to measure performance and key risk indicators
- Engage with Internal and External auditors in providing timely audit deliverables
- Own and manage the Unit’s Manager’s Control Assessment
- Represent CRMS in various internal and external forums when required
- Clarity of thought, strong communication skills, eye for details and assertiveness
- Assigning priorities for self and team
- Follow organizational protocols on issue escalation and management
- Assertively explore and pursue opportunities to automate and re-engineer processes and challenge status quo
- Keeping up to date on new developments viz. policies, regulatory changes by reading extensively, building cross functional expertise in other areas of CRMS
- Network building, stakeholder management
- Strong understanding of corporate banking products and legal documentation requirements
- Knowledge of Central Bank lending regulations and ICG Risk policy
- Internal Client Focus and engagement with Senior Risk and Business stakeholders, Operations and Legal for supporting and driving various projects and business priorities
- Control and Risk based approach
- Strong focus on productivity, automation initiatives
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Credit Risk Management Resume Examples & Samples
- Underwriting: Responsibility for assisting Director in managing transaction requests including underwritten, best efforts and relationship loans. Additional responsibility includes approval of other counterparty credit requests including derivative, margin loan and other related industry credit extensions. Assist Director in managing communication flow with senior members of transaction teams regarding due diligence, underwriting process and approvals
- Credit Monitoring: Ensure that ongoing monitoring analyses and documents – including any Shared National Credit exam-specific documents – are prepared to a high quality standard. Assist Director in identifying counterparties with deteriorating credit trends, perform monthly re-assessments of credit and regulatory ratings, document proposed rating changes, recommend counterparties for addition/removal from watch lists, and escalate specific credit concerns
- Management of Underwriting/Monitoring Process
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Credit Risk Management Resume Examples & Samples
- Ensure accurate and consistent data in Credit Risk Management systems
- Preparation of annual reviews of client accounts and relationships
- Work with other departments to ensure new accounts are established correctly
- Provide support to CRM FI NY credit officers
- Gather information required to complete credit risk rating assessment of fund clients
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Credit Risk Management Resume Examples & Samples
- You will perform credit risk analysis and assign credit ratings to portfolio of counterparties
- You will monitor market, macro-economic and political developments; assess their impact on credit quality of counterparties
- You will perform risk assessment of proposed transactions and ongoing monitoring of counterparties in the portfolio
- You will develop and maintain knowledge of the level of credit exposure to counterparties in the portfolio, as well as relevant legal documentation
- You will make credit decisions within assigned credit authority
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Credit Risk Management Resume Examples & Samples
- You will perform fundamental counterparty credit risk analysis and assigning internal credit ratings on financial institution counterparties located in North America
- You will be preparing and presenting analysis in written format
- You have Monitoring market, regulatory, macro economic and political developments and assessing their impact on the credit quality of counterparties
- You will provide general assistance to Credit Risk Officers
- Liaising with Legal department to ensure identified risks are adequately addressed in the legal documentation for structured transactions and setting credit terms in the legal documentation (e.g. ISDA and CSA) for flow trading activity
- Performing on-going monitoring of complex deals so that any early signs of distress or deviation from the expected performance are promptly identified
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CIB Credit Risk Management Resume Examples & Samples
- Candidates should have had extensive accounting and corporate finance coursework or comparable work experience
- They should also have a strong interest in client interaction and possess outstanding verbal and written communication skills
- Candidates should have experience negotiating legal documents associated with credit products
- Knowledge of derivative products, with energy commodity documentation experience a plus
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Credit Risk Management Private Banking Approvals Resume Examples & Samples
- Pro-active management of a distinct credit portfolio, including reviewing and ensuring credit risk assessments and approval are conducted at a level of depth and thoroughness appropriate to the degree of complexity of credit structures and within delegated credit authority
- Pro-active engagement with the front-office on new transactions with analysis of the counterparty, underlying credit risk and transaction structure to develop risk mitigating strategies and risk profile enhancement
- Negotiation of legal documentation to ensure that the terms and conditions comply with the bank's policies and are in line with internal standards
- Manages credit portfolio to maintain a performing loan portfolio and ensures all necessary margin calls and liquidations are executed promptly
- Contribution to the regulatory / change agenda by involving in project work
- Coaches and leads a team of Credit Specialists ensuring team's compliance with requisite policies and guidelines (both internal and external)
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Credit Risk Management & Sanctioning Senior Sanctioner Global Corporates Resume Examples & Samples
- Credit risk management and sanctioning of credit proposals within delegated discretion or recommendation of credit proposals to relevant sanctioning level
- The jobholder will be responsible for reviewing/undertaking credit analysis and sanctioning/ recommending exposure and exposure policies within acceptable risk parameters for a portfolio of clients within the Global Corporates space
- Proven experience as a corporate credit sanctioner in an international banking environment
- Extensive transaction experience, including Leverage Finance
- Strong appreciation of general accounting principles, cash flow and balance sheet analysis and interpretation, financial models and modelling techniques, risk measurement and hedge management techniques
- Strong knowledge across a wide range of Corporate and Investment Banking products
- Ability to apply high standards of quality and quantity
- Timely and effective problem solving and decisions making
- Proactive, energetic and resilient individual with can-do approach
- Decisive, clear, and capable of acting at speed and have the energy and resilience to work in a complex and challenging environment
- Strong interpersonal skills with proven track record of demonstrating integrity, initiative, strong commitment and collaborative approach
- Ability to challenge, influence, and drive implementation of change and best practice
