Credit Risk Manager Resume Samples

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B Schroeder

Belle

Schroeder

836 Janiya Flats

Chicago

+1 (555) 409 1732

836 Janiya Flats

Chicago

Phone

p +1 (555) 409 1732

Experience Experience

San Francisco, CA

Credit Risk Manager

San Francisco, CA

Erdman, Keebler and Dare

San Francisco, CA

Credit Risk Manager

Proficiency in MS Word, MS Excel (e.g. pivots), and MS Powerpoint
Responsible for managing risk analytics work involving reporting , analysis and forecasting for Consumer and Business Banking
Develop methodology to analyze data to predict risks and work with stateside partners to implement strategies to minimize risk
Continuously look for ways to enhance reporting and forecasting processes
Lead a team and direct daily work within a matrix organization ensuring that loss trends are constantly monitored, analyzed and reported on
Provide coaching and mentoring to a group of analytic professionals
Collaborate with bankers and underwriters to review, structure and obtain approval for new transactions

Philadelphia, PA

Credit / Risk Manager

Philadelphia, PA

Heidenreich-Ernser

Philadelphia, PA

Credit / Risk Manager

Analyze and concur on all reviews completed by staff and give direction on additional work that may be necessary. Monitor and provide guidance to other managers on maintaining concurrence timeliness
Maintain and nurture a positive and professional relationship between FDMS, ISO’s and the alliance banks, addressing their concerns and resolving any issues that may arise
First Data is a global leader in commerce-enabling technology solutions, serving more than six million business locations and 4,000 financial institutions in 118 countries around the world. Our 23,000 owner-associates are dedicated to helping companies, from start-ups to the world’s largest corporations, conduct commerce every day by securing and processing more than 2,300 transactions per second and $1.9 trillion per year. First Data is committed to staying at the forefront of our industry, and we are innovating a wide range of next-generation commerce technology solutions to help our clients better detect fraud, gain insights into consumer spending patterns and build customer loyalty. There are many exciting opportunities for talented individuals who would like to join our team and play a meaningful role in helping us shape the future of global commerce
Prepares underwriting documents for management review on accounts with risk exceeding the standard thresholds. Will be involved in general Credit Policy and process development and handle escalated underwriting issues. Review and continuously evaluate credit worthiness of existing merchant who have significant Risk exposure
This position is responsible for performing credit analysis and underwriting activities for the largest volume / high risk prospective accounts using credit evaluation guidelines and client history to assess credit worthiness. Prepares underwriting documents for management review on accounts with risk exceeding the standard thresholds. Has direct interaction and conducts negotiation with clients. May review and approve risk analysis completed by Credit Officers. May be involved in general Credit Policy and process development and handle escalated underwriting issues. This position has responsibilities for supervising and training Credit Officers
Monitor and analyze a daily MIS report to be sure that timeliness and productivity standards are being adhered to. Bring exceptional or substandard issues to the attention of the Director
Will be overall responsible to Day to day operations(incl reporting to Sr. Mgmt), supervise and train Credit and Risk Officers & play active role in System and process enhancements

present

Phoenix, AZ

Senior Credit Risk Manager

Phoenix, AZ

Lemke-Dickens

present

Phoenix, AZ

Senior Credit Risk Manager

present

Develop and execute the vintage loss forecasting for deal pricing with our retail partners and manage the performance tracking of vintage loss targets
Identify and understand performance trends and perform credit portfolio performance risk analysis including various stress-testing and sensitivity analysis
Portfolio management and risk management subject matter expertise, and analytical support for
Development and automation projects for all portfolio level account management processes for SME. Including future state automation of manual account processes
Providing management expertise and monitoring of portfolio quality and appetite assessment through sector, product and geographic analysis
Provide professional training and credit risk management advice to business units
Exercise strategic vision to identify, design, and implement credit policy optimization specific to new originations, portfolio management, and loan servicing

Education Education

Bachelor’s Degree in Accounting

Colorado State University

Bachelor’s Degree in Accounting

Skills Skills

Support sustainable and profitable portfolio growth through advanced analytics to achieve Business aspirations
Solid interpersonal, strong verbal/ written communication and strong organization skills
Strong technical skills, highly proficient SAS, SQL, excel skills
Demonstrated ability to motivate and lead highly skilled team
Strong analytical skills, ability to digest and interpret complex concepts underpinning Credit Risk modelling and approaches
Working knowledge of Multifamily Seller and Servicer Guide, and ability to interpret and apply the Guide across complex Multifamily transactions
Strong ability to manage multiple tasks simultaneously and prioritize work efforts
Good communication skills, ability to communicate to an audience with different levels of understanding of Credit Risk
Knowledge of Credit Risk and Risk Analytics techniques is desirable
Ability to exercise independent judgment and creative problem-solving techniques in a highly complex environment

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Credit / Risk Manager Resume Examples & Samples

Implement strategies to reduce losses to the company while increasing revenue
Monitor departmental performance and identify areas where new/improved processes can improve the quality of existing services as well as recommend means for improvement, including procedural steps, increased training, and enhanced documentation
Manage, supervise and train a team of QA/QC analysts engaged in the testing of business processes on a monthly basis to promote a high standard of excellence and communicate results back to the business
Partner with Operational Risk Oversight team to prepare and submit monthly Key Risk Indicators (KRI) and contribute to credit risk reporting across the business
Assist Management with tracking the progress on action plans to ensure they are completed timely and accurately. Prepare various action plan and open issues reports in partnership with the Controls Group
Reviews processes and procedures as they are developed or updated, to ensure proper controls and methodologies are in place to mitigate risks
Own and manage RCSA (Risk Control Self Assessment) process and testing for Credit Underwriting, Fraud Management, Chargebacks and Collections
Work closely with GM Credit/Risk to prepare and assist with monthly headcount budget and forecasting for Risk Operations
Performs additional analysis on an ad hoc basis
5+ years of credit underwriting or lending experience along with prior operations experience with a financial institution

Credit Risk Manager Resume Examples & Samples

5 years of relevant work experience
Understanding of lending strategies and business models, especially mortgage, auto, home equity, and personal lending
Knowledge of credit assessment, credit policy, underwriting, risk management, and portfolio management tools and processes including scoring models and profitability models
Deep familiarity with relevant regulatory policies
Experience in focus on quality growth and member service while maintaining an appropriate risk/return balance
Exhibits excellent analytical, multi-tasking, and time management skills
Ability to lead and motivate cross-functional, interdisciplinary teams to achieve tactical and strategic goals
Ability to professionally handle confidential matters
High degree of initiative, dependability, and ability to work under minimal supervision
Previous experience in credit risk management with an expertise in residential mortgage, consumer auto, and credit card lending preferred
Prior experience in a lending origination role preferred
Bachelor’s degree in Business Administration or equivalent

Credit Risk Manager Resume Examples & Samples

Master's degreein Engineering, Computer Science, Statistics, Economicsor equivalentis required; advanced degree is preferred
Typically 7 years of related analytical/Modelingexperience. Knowledge and understanding of financial services preferred
Proficient with advancedPredictive Modelingtechniques
AdvancedSAS Programming, Database, SQL skills
Strong communication in presenation skills

Credit Risk Manager Resume Examples & Samples

Review and on-going development of policies and procedures to maintain an effective risk control environment
Strong communication/interpersonal skills
Demonstrated ability to function decisively and act independently in a multi-tasked and environment

Credit Risk Manager Resume Examples & Samples

B.S. or higher degree in relevant technical or quantitative fields (e.g., Statistics, Operations Research, Computer Science, Information Technology and Economics)
5+ years work experience in analytical position with 3+ years in Risk Management
5+ years of SAS experience
Experience on a Teradata and/or Oracle infrastructure
Proficiency in MS Word, MS Excel (e.g. pivots), and MS Powerpoint
Be able to disaggregate large questions and structure thorough analytical approach to creatively solve business problems
Detail oriented with excellence in data analysis, data manipulation, and data presentation
Be able to learn on the fly. Enjoys challenge of unfamiliar tasks, deal with concepts and complexity comfortably
Solid interpersonal, strong verbal/ written communication and strong organization skills
Strong ability to manage multiple tasks simultaneously and prioritize work efforts
Experience in CCAR, stress scenario planning and risk appetite related analysis
Excellent interpersonal skills to work effectively with all levels of the organization and geographically distributed teams including offshore

Credit Risk Manager Resume Examples & Samples

Responsible for managing risk analytics work involving reporting , analysis and forecasting for Consumer and Business Banking
Develop methodology to analyze data to predict risks and work with stateside partners to implement strategies to minimize risk
Continuously look for ways to enhance reporting and forecasting processes
Lead a team and direct daily work within a matrix organization ensuring that loss trends are constantly monitored, analyzed and reported on
Provide coaching and mentoring to a group of analytic professionals
7+ years of U.S. consumer lending and /or retail bank risk analytics experience
2+ years of experience in managing a team of analytics professionals
Strong knowledge of SAS, SQL. Should have 5+ years of SAS coding experience
Proactive communication and ability to engage seamlessly to bridge time zones
Strong communication skills. Strong ability to effectively manage positive relationships with stateside partners
Strong project management skills and ability to work within time constraints

Credit Risk Manager Resume Examples & Samples

Real Estate (Residential or Commercial) or structured finance experience preferred
Familiarity with Property level underwriting of direct real estate lending and/or investing, with transactions structures and deal terms preferred
Strong analytical, quantitative and computer skills with ability to perform credit analysis on complex transactions
Excellent interpersonal, communication and presentation abilities
Ability to work under tight time constraints while quickly learning new ideas and concepts

Credit Risk Manager Resume Examples & Samples

Analyse the financial / economic situation of counterparties (incl. balance sheet analysis, business trends, cash flow analysis, operating environment)
Perform credit-related due diligence, analyse counterparties, identify and quantify risk drivers in transaction structures, and propose mitigants
Prepare credit memos, make rating and approval recommendations
Identify Credit Suisse’s risk appetite for individual counterparties
Actively participate in deal meetings, challenge assumptions, give appropriate guidance, and prepare transaction approval memos
Transaction approvals: Analyse and approve transactions within existing limits or via a personal delegated credit authority
Ensure risk reporting systems contain timely and accurate information
Trading documentation: Set credit risk related terms in trading documentation and liaise with our Legal department and clients or their lawyers, as appropriate
Understand the business and the regulatory and risk framework, working with the business to assist its growth while ensuring compliance with internal policies and risk appetite
Proactively interact with senior management and internal support functions to communicate key issues and develop relationships
Support UK CRM management on policy, risk appetite and other issues to ensure effective credit risk management of exposures in UK legal entities
Perform in a fast paced and team focused environment

Credit Risk Manager Resume Examples & Samples

Direct and lead all Credit Risk team activities for the assigned product lines, including Consumer Real Estate secured and Auto products
Direct the complex credit and risk analysis strategies on assigned product lines
Direct the strategies on and elements of account acquisition, portfolio acquisition, and portfolio management programs
Develop, build, and maintain the analytical framework and support systems needed for the account origination and reporting processes
Provide expertise and consultation regarding credit issues; advise and guide assigned product line management
Responsible for the profit/loss of multiple large product lines
Work closely with product development, marketing, and sales teams to develop new products, methodologies, channels, and strategies to meet customer needs, maximize profitability, and minimize credit risk
10 or more years of credit risk management experience
Demonstrated ability to motivate and lead highly skilled team
Demonstrated ability to interact with C-level leadership
Proven proactive leadership and strategic planning
Ability to see big picture
Build constructive relationships with lines of business, as well as corporate and regulatory partners
Demonstrated leader in the field with excellent market perspective
Working knowledge of SAS or similar data and analytical tools

Credit Risk Manager Resume Examples & Samples

Five to seven years of credit risk management experience
Two or more years of managerial/supervisory experience
Strong coding skills (SAS and/or SQL experience preferred)
Thorough knowledge of lending, credit analysis and administration
Strong PC skills and computer support system knowledge

Senior Credit Risk Manager Resume Examples & Samples

Years of experience – 10+ years
Primary focus of role is on day to day execution of credit risk strategies and monitoring of portfolio
Full understanding of Indirect Auto product characteristics
Experience in managing Indirect Auto products and associated policies and guidelines
Understand regulatory requirements and mandated compliance processes
Understand privacy laws and regulations
Experience in consumer bank credit risk management, financial analysis, and/or general banking
Exposure to credit scoring, quantitative techniques, and database management
Demonstrate analytical and problem solving skills
Statistical modeling exposure a plus

Wholesale Credit Risk Manager Resume Examples & Samples

15+ years of progressively responsible banking experience
Broad, diverse, and extensive experience in credit management and approval
Experience in portfolio management, strategy and execution
Proven managerial skills at a senior level
Deep understanding of credit grading and default forecasting methodologies
Culture change agent with process re-engineering experience

Senior Territory Credit Risk Manager Resume Examples & Samples

Review equity related requests and approve transactions under delegated authority
Collaborate with Asset Management team to monitor portfolio performance and assess portfolio health, concentrations and trends. Recommend strategy changes as applicable
Collaborate with Line 1 Closing Team to ensure transactions are closed in accordance with credit approvals
Provide strategic leadership and guidance for new investments
Team and collaboratel with Originators, Underwriters and Closers to provide timely and reliable feedback
Review credit requests prepared by Line 1 Risk Team
Ensure deals and transactions are in line with GERE’s Risk appetite with issues and risks clearly identified and mitigated
Provide input on local market trends and emerging issues
Review and recommend market strategies/ratings
Ability to effectively assess Loan Ratings and Asset Valuations
Participate in process improvements and Regulatory initiatives
Bachelor’s degree with 8 or more years experience in Real Estate Underwriting/ Structuring/Risk Management
Strong knowledge of Western U.S. Real Estate markets
Strong analytic and financial skills
MUST submit application for employment through COS (internal candidates) or www.gecareers.com (external candidates) to be considered for this position
MUST be willing to comply with pre-employment screening, including but not limited to, drug testing and background check
Legal authorization to work in the U.S. is required. We will not sponsor individuals for employment visas, now or in the future, for this job opening
MUST be willing to travel up to 20% of the time
MUST be willing to work out of and office in San Francisco, CA
Master’s degree in business administration or related field
Ability to partner and collaborate with cross-functional teams to evaluate complex situations and recommend potential solutions
Strong communication skills - clear and concise communication
Ability to effectively challenge and push-back as needed to ensure investments and strategies are sound and provide proper Risk/Reward balance

Credit Risk Manager Resume Examples & Samples

Perform due diligence and field examination assignments for the Group’s clients
Supervise, train and mentor staff; listen and communicate effectively; work to develop responsible, trained staff by conducting performance feedback and evaluations
Regarded as a Subject Matter Expert within the business unit and shares knowledge
Assume significant client responsibility as client’s trusted advisor, relied upon for knowledge of industry trends, identify client issues and conflicts; proactively communicate solution options to client and team
Manage staff on engagement deliverables; complete technical and strategic reviews as a member of the final engagement review team to ensure quality control standards are met
Responsible for new client development in partnership with upper management; participate in client meetings, presentation and proposal development and meet individual cross serve goals
Responsible for billing and realization on assigned clients; develop overall engagement budget, explain variances
Understand client’s needs
Drive a team environment; demonstrate support of management decisions and builds a positive culture
Make recommendations on internal department procedures
Recognize business opportunities for our clients and for CBIZ

Partner Credit Risk Manager Resume Examples & Samples

Responsible for the oversight and management of credit underwriting strategy development and execution, portfolio analytics, testing, and Risk control and compliance, and program design
Responsible for adherence to the Risk Appetite Frameworks for the Costco Card portfolio's new accounts and existing customer credit line management programs
Management of risk contractual obligations including policy benchmark to similar products, stress portfolio scenario, and policy change notification process
Effectively communicating with / ability to influence external clients, senior stakeholders, cross-functional partners, strategic vendors as well as internal and external oversight constituencies

Credit Risk Manager Originations Resume Examples & Samples

Lead and coach a small, highly-skilled team of analysts
Support acquisition initiatives, contributing the development of the business case and performing post-implementation tracking to ensure that targets are attained
Leverage technology infrastructure to improve and streamline origination processes

Credit Risk Manager Resume Examples & Samples

Be responsible for monitoring and managing credit portfolio limits for the Investment Banking (IB) portfolio booked in all entities globally
Lead role in the definition of enhancements to the existing credit risk appetite framework, including the link upward to Board level appetite statements and the link downward to the granular articulation of credit limits
Supervision of and preparation of credit materials for various senior management forums, such as IB RMC Risk Management Committee and Board of Directors, and liaising with other areas of risk especially MRM on IB RMC business reviews
Stay abreast of the developments within the risk management industry, in particular understanding how best practices evolve

Credit Risk Manager Resume Examples & Samples

Be responsible for monitoring and managing credit portfolio limits for the IB portfolio booked in all entities globally
Coordinating industry reviews: working with various stakeholders to understand the bank’s exposure and formulating scenarios to estimate potential losses
Supervision of and preparation of credit materials for various senior management forums, such as the Risk Management Committee (RMC) and Board of Directors, and liaising with other areas of risk especially Market Risk Management on RMC business reviews

ABL Credit Risk Manager, Chicago Resume Examples & Samples

Lead closing process of approved new business opportunities including negotiation of documentation and coordination with syndications if necessary. For assigned portfolio
Recommend for credit approval appropriate structure changes or appropriate account management strategy based on changes or anticipated changes in client's business. Identify deteriorating credits, recommend appropriate course of action
Retain and deepen client relationships. Look for opportunities to bring ideas to the client, especially cross-sell opportunities as reflected by referrals, presentations, meetings, between the clients and other product specialists within the bank
Work with operations to ensure appropriate level of collateral reporting is in place. Interpret results of collateral monitoring / field exams. Establish reserves for any deterioration in collateral. Identify and understand inventory collateral and eligibility
Review monthly and annual financial statements. Compare actual results to plan and prior year. Understand and reconcile any variances. Confirm covenant compliance and risk rating
Communicate to manager and credit any material change in operating performance and collateral position. Recommend appropriate course of action to address operating or collateral issues
Maintain current credit and financial statement files. Address/reduce documentation exceptions. Prepare brief call reports after customer visits that summarize items discussed and any follow-up items

Credit Risk Manager Resume Examples & Samples

Lead business design of Hermes architecture as the main liaison between TESS, Portfolio Risk Manager and Lines of Business
Development of business and functional specifications for Hermes 2.0 architecture and future enhancements
Translation of requirements for new scorecards and decision strategy requirements into functional specifications
Contribute to cross-functional pre-implementation User Acceptance Testing (UAT)
Support post-implementation analysis/validation/monitoring together with other cross-functional stakeholders
Coordination with Model Development and Strategy Analytics teams to ensure changes are feasible from a data and decision engine perspective
Configure data dictionaries, business objective flows, and process objects for all portfolios/products
Configure and implement new risk scorecards and strategies into the SMG3 credit risk decision engine(s) software using user interface tools
Coordination of requests for migration of strategy changes into production by TESS
Perform basic ad-hoc data queries as needed
Business sign off that all changes have been configured and tested appropriately before changes are uploaded by TESS into production
Liaise with TESS to coordinate system testing
Manage a team of analysts
Minimum of a master’s degree or equivalent in either MIS, Computer Science, or other technical discipline with significant Information Technology related content
Minimum of 10 years experience in a technology focused role either in development or project management capacity
Detailed knowledge of database concepts
Experience configuring software solutions to meet business requirements
Basic scripting
Ability to analyze data using common tools (SQL, Excel, etc)
Experience developing and implementing functional requirements
7 years experience in Financial Services
Experience with BBVA Hermes credit decisioning solutions
Experience with Experian’s SMG3 decision engine
Ability to read XML
Understanding of Logical and Physical Data Models
Experience leading large scale Risk projects

VP, Credit Risk Manager Resume Examples & Samples

Evaluate and recommend Risk approval for relevant Credit Policies, Product Programs, and regional guidelines that support the MSBF offering in the Latam region
Work with senior risk management and the businesses on relevant initiatives including system enhancement, policies, portfolio and industry reviews, process optimization, target market analysis, etc
Participate and actively manage initiatives and projects directed to enhance the margin lending systems, processes and procedures as it relates to the relevant Latam MSBF businesses
Focus on establishing practices that lead to minimizing Operational Risk across the MSBF portfolio. This in relation to the mapping of process, education to bankers/business on margin lending, establishing margin lending “war room” procedures for Latam, etc
Constantly work with the Product Managers and Investment Finance teams to create soundness, stability and growth of products through Credit Programs, credit line increases/decreases and strategy
Review, Update and Approve all local Credit Policies and Procedures based on Credit, Sales and Marketing requirements and portfolios performance
Production and maintenance of Policy & procedures Manuals
Prepare the documents to be submitted for approval to the Region and to New York Global Credit regarding products and policy changes. - Prepare the supporting document of Product Programs to be submitted for approval to Region /New York
Sampling of applications, annual reviews. - Maintenance of decision tables. - Approval / reject applications that do not meet the applicable policies. - Regular contact with credit analysts to get their feedback. - Request of system changes in order to improve controls
Closely monitoring of portfolio performance, key risk indicators, portfolio and collateral analysis
Responsible to review the performance of key credit policy criteria (Loanable Value/ requirement, Cross Border, 23A, Concentration policy, etc) and recommend changes where appropriate
Keep line of sight on the operation activities that impact Risk performance E.g Collateral Monitoring & Underwriting with a view to understand the process and the impact on portfolio. Also track any adverse trends and engage with them to mitigate the impact
In close co-operation with Technology, Product team and Credit Risk Managers, networking with Credit Risk practitioners from other institutions as necessary in order to benchmark CITI procedures against industry best practice, to ensure that CITI provides a competitive credit processes that is consistent with CITI risk appetite framework
Development and enhancement of credit systems, procedures and standard documentation, ensuring that such are reviewed and updated periodically
Responsible of Loan Loss Reserve, BASEL II, FDIC, CCAR…of Consumer MSBF portfolios Enhance portfolio risk analysis (stress testing, LLR, market risk... ). Interact with Global (and CPB) risk architecture, BASEL and portfolio management team
Obtain and maintain satisfactory grading on MSBF audits, and ensure prompt follow up and clearance of issues
Provide effective training to Credit and Market Risk staff members to ensure retention and continuing professional development
Keep abreast of current developments and trends in, and maintain high level market and legal infrastructure knowledge of, CITI key markets
Prior experience as a credit officer a strong plus
Formally credit trained at either Citigroup or at a reputable financial institution
Knowledge of accounting and corporate finance
Knowledge of credit and capital market products (private banking products a plus)
Excellent quantitative, analytical, written and verbal presentation skills
Self-starter with ability to work under time pressure and observe deadlines
Very adaptive to change and capable of multitasking
User of financial tools and Advanced Excel is a strong plus
Effective strategic and business planning skills
Team management capacity and experience
Proven track record of strong problem solving skills for unexpected situations
Satisfactory Completion of credit training or equivalent
Exposure to diverse credit situations
Knowledge of credit risk policies
Thorough understanding of credit and/or portfolio management process
Ability to evaluate, negotiates structure and/or monitor Product approvals or credit transactions
Ability to think and act independently and to know when to ask for guidance from more experienced officers or specialists in the credit process
BS or BA preferably with a Finance background. MBA or equivalent graduate studies a key plus
At least 5 years prior experience in a credit-related, risk management or banking role (within Latin America a plus). Prior experience in Margin lending or capital markets role a strong plus

Credit Risk Manager Resume Examples & Samples

Automating the application process while still ensuring that strong controls are in place and relevant risks appropriately mitigated
Developing a suite of portfolio, housing and economic monitoring reports with relevant commentary. The reports are designed to prepare AMP for any adverse trends and that relevant correct actions are in place
Maintain collective impairment model and operational loan loss provision models
Preparation of portfolio loan loss stress testing analysis
Proven high level communication (both written and verbal) and interpersonal skills
Strong customer focus and capability in relationship management with a focus on cross divisional team and a broad range of stakeholders
High level analytical skills and the ability to think laterally and strategically
Ability to negotiate win/win outcomes consistently – internal and external stakeholders
Demonstrated problem solving, facilitation and decision making skills
Demonstrated project management expertise
AMP is an organisation like few others. We enjoy a culture that recognises individuality yet encourages collaboration, giving real meaning to our work and making a difference to our people and our customers

Cib-ts-trade Credit Risk Manager Resume Examples & Samples

7+ years (5+ years for Associate) commercial banking and relevant risk experience with underwriting credits involving trade and loan products
Strategic/Analytical Thinking: Understanding the bigger picture or how a part effects the whole is extremely important – this is what allows for input and the generation of ideas
Project Management: Organization and execution is part of managing all tasks no matter the complexity, time management is also a key success factor
Excellent judgment necessary for managing credit risk issues and its impact on GTLP portfolio
Ability to successfully lead collaborative efforts with partners who have different backgrounds, skill sets and priorities
Excellent verbal communication skills to concisely explain business and credit risk issues that are under consideration
Ability to lead and drive communication and co-ordination between business and credit executives and officers
Excellent influencing and negotiation skills in order to align credit strategy with business objectives
Understanding of trade and credit risk systems

Credit Risk Manager Resume Examples & Samples

Liaises with risk management team to formulate and implement SME credit policies in accordance to the bank's risk appetite
Advise SME business on credit issues and approve SME loan applications
Analyze issues related credit restructuring, credit review guidelines and process
Resolve complex credit problems and visit SME clients

CB Risk-ctl-credit Risk Manager Resume Examples & Samples

Performs complex real estate based financial analysis, identifies risk, and interprets data for management's use in rendering sound credit decisions. Analysis is based on property operating statements, rent rolls, schedule of real estate owned and client’s financial balance sheet
Formulates new analytical processes and enhances existing reports to improve the quality of information available to top management
Standards, practices, methodologies, and regulatory requirements relative to the finance/accounting disciplines
General concepts relating to IRR (Internal Rate of Return) and NPV (Net Present Value) spreadsheet models
Concepts and methodologies relating to database access and maintenance preferred
Deep understanding of Commercial real estate valuation concepts and methodologies
Extensive working experience with property cash flow analysis historical and pro-forma
Knowledge of risk rating methodologies and credit risk assessment processes for commercial real estate loans
Establish and maintain effective relations with internal and external clients as required by the duties of the position
Provide effective guidance and performance feedback to junior employees and others in Commercial Term Lending
Independently plan and conduct non-routine financial analysis/reporting projects
Ability to serve as functional technical expert in responding to customer inquiries and resolving system related issues
Thorough understanding of risk impact and consequence of errors in formulating decisions and providing direction to others
Graduation from a college or university with major course work in a discipline related to the work of the position
Any combination of education/and or experience consistent with the above that would demonstrate the capability to perform the duties of the position. Additional qualifying education may be substituted for a maximum of two years of the experience requirement. Additional qualifying work experience may be substituted for a maximum of two years of the education requirement

Credit Risk Manager Private Bank UK Lombard Credit Resume Examples & Samples

Has worked in an equivalent sized private bank / wealth management environment
Experience & track record of working as part of a small team in a fast paced environment
Competent to make decision and lead by example
Able to interface with senior management and present complex solutions in a structured and professional manner
Experience in Consumer Credit and structured lending (single-stock, concentrated portfolios, lending to operating companies)
Experience in real estate lending would be advantageous, but is not essential

Credit Risk Manager Resume Examples & Samples

Administer and enforce credit and collection policies and procedures
Perform in-depth financial analysis and provide credit line recommendations for customer accounts with exposure in excess of one million dollars
Coordinate credit extensions globally
Develop strategies and goals to minimize bad debt write-offs
Provide effective credit analysis for new customers and a periodic review/update for existing accounts located in the Americas and Caribbean
Provide reporting and input to management about portfolio performance and compliance
Select and manage third party collection agencies, authorize referral of accounts and monitor agency performance
Build strong relationships with customers and sales
Recommend changes to credit policies and update procedures in line with corporate strategies
Manage credit risk staff and assess performance. Implement training and development plans as needed

Credit Risk-manager Resume Examples & Samples

Extensive experience in the development and use of risk strategies in Retail Banking and expert knowledge of modern risk management techniques
Experienced in the extraction and manipulation of data to support risk strategy development
Experienced and competent in the use of computer-based software and/or statistical packages (e.g., SAS, SPSS, R, Matlab) for developing analytical solutions from raw data sources
Experience of managing end to end projects and multiple stakeholder relationships effectively
Excellent team management, project, planning, organisation and time management skills, with evidence of the ability to lead and motivate others
Proven ability to take complete ownership for end to end delivery, manage delivery risk and identify escalation points to senior management

Country Credit Risk Manager Resume Examples & Samples

Credit analysis, credit approval, and active monitoring of the Corporate, Financial Institutions and Public Sector portfolios in Bulgaria with a focus on proactive problem recognition, stress testing and overall portfolio management. RC partners with the Global Portfolio Optimization teams in New York and London to use risk mitigation tools available in today’s markets
The RC Risk Manager in Bulgaria is responsible for ensuring the quality of credit analysis, and give adequate support to the business
The Regional Credit Risk Manager also works in parallel with Citi’s ICG bankers and product specialists; together with these bankers, and with the input of GI, RC’s responsibility is to make informed decisions through an understanding of the credit, structure and profitability features of each relationship. This includes identifying target market additions and deletions by reference to credit quality, returns and company’s characteristics
Provide guidance and coaching on risk policies and processes to the Banking and Product teams on the ground
Manage the Credit / GI&RC MCA process for Bulgaria
Credit Officer with relevant corporate credit risk experience
Excellent communications skills verbal & written

Credit Risk Manager Resume Examples & Samples

Line of Business Support
Minimum 10 years of experience in quantitative environment using statistical risk management models - such as Credit Metrics, Credit Risk or KMV
Minimum 5 years supervisory/management experience
Experience in a cross-functional environment working with portfolio management and constructing and explaining risk models are essential
Strong database experience including the use of SAS. MS Office proficiency along with advanced skills utilizing SQL or similar database tools
Detail oriented with strong oral and written communication skills
Ability to build business cases that influence stakeholders to change outcomes

Credit Risk Manager Resume Examples & Samples

Provide Risk guidance & support for Credit Policy
Monitor underwriter processes for Audit and related groups
Provide sound advice in asset growth, and/or asset sales to optimize profit and minimize unnecessary exposure to credit loss
Provide semi-annual review of portfolio risk strategies for loans held in portfolio and for loans sold on the secondary market
Coordinate activities in collections to track and report trends and behaviors
Build strong relationships with Sales Management, Product Development and Investor Relations with the support of quantitative facts
Establish, update and maintain automated decision engines and custom score cards
Bachelor’s degree in Finance, Mathematics, or other financial discipline
Bilingual English and Spanish
Underwriting experience
Minimum 5 years credit or risk experience in merchant energy, commercial banking, or corporate finance
Strong technical knowledge of credit risk methodologies and techniques
Ability to prioritize duties and multi-task
Ability to work in fast paced environment and attention to detail
Ability to interact appropriately with business and executive management levels
Must be able to consistently meet deadlines

Senior Credit Risk Manager Resume Examples & Samples

Being a strategic partner to oversee all credit related issues and work closely with global team
Review credit applications, evaluate credit risk, provide credit recommendation and approval
Initiate risk mitigation by setting up factoring facilities with bank and credit insurance policy with insurance companies
Design, develop and implement global credit policy for credit limit approval and review credit limit assignment
Provide professional training and credit risk management advice to business units
Occasional travel to APAC regions is required

Ccb-mortgage Credit Risk Manager Resume Examples & Samples

Working with the business and risk analytics teams to proactively identify risk and reward opportunities to improve the health of the portfolio. Note that while this role will not directly manage an analytics staff, there will be an analytics team accountable to supporting this individual. The individual must be comfortable working in a matrixed environment
Proactive identification, reporting and monitoring of key risks through targeted assessments of functional areas. Targeted assessments could take multiple forms including file reviews, exception reviews, side-by-side site inspections, call listening, etc
Drive escalation and work with the business to drive the right remediation of those key risks
5+ years of risk management experience OR Mortgage Customer Assistance/Loss Mitigation operations experience
5+ years of Mortgage Customer Assistance/Loss Mitigation Experience
5+ years deep expertise in one of the following areas: Collections, Loss Mitigation, Default Underwriting, Short Sale or Recovery

VP, Credit Risk Manager Resume Examples & Samples

Continuous development and maintenance of server based SAS/Unix data repository containing key historical loan performance data
Create and maintain internal and externally serviced credit performance MIS for Retail Basel portfolios using data sources from various operation systems
Development and maintenance of Macro based utilities to aid in automation of key repeatable analytical processes
Interact with GCBC and key business partners to monitor, coordinate and implement projects related to Retail Basel processes
Work closely with GCBC and key business partners to continually develop and improve all areas of the current Retail Basel BAU process
Create and maintain a suite of SAS/Unix programs to facilitate portfolio analysis including but not limited to Retail Basel, delinquency trends, vintage analysis and loss analysis reporting
Take ownership of all internal documentation covering the Retail Basel SAS/Unix data environment and all the various programs; and,
Proactively participate on Retail Basel by initiating and servicing GCBC and key business partners through the development of Basel generated MIS and data processing
Must have a minimum of 5-10 years of programming experience in SAS (Expert Level) across multiple platforms and data sources (Unix, Mainframe, PC)
Must be proficient in Data Step, Proc Means, Proc SQL, Proc Format and Macro language
Extensive experience in developing analytical solutions for decision support purposes
Must have experience working in a business analytics / business intelligence environment
3-5 years of experience in the Financial Services industry is a plus
3-5 years of Basel II experience a plus
Very strong MS-Office skills
Very strong communication skills, ability to gather requirements for internally driven analysis and MIS across all levels of the Credit/Risk organization
Must be highly motivated to develop creative solutions and problems
Ability to build relationship across all functions and levels of the organization
Must have skills necessary to simultaneously work multiple projects with very little supervision and support
Bachelor’s Degree in Computer Science or Management Information System

Ccb-mortgage Credit Risk Manager Resume Examples & Samples

Develop an effective governance and oversight structure through active and direct engagement with the business unit being supported. Ensure that key decisions have the appropriate levels of transparency and risk oversight
Partner with the business and risk analytics teams to proactively identify risk and reward opportunities to improve the health of the portfolio. (Note that while this role will not directly manage an analytics staff, there will be an analytics team accountable to supporting this individual. The individual must be comfortable working in a matrixed environment.)
Proactively identify report on and monitor key risks through targeted assessments of functional areas. Targeted assessments could take multiple forms including file reviews, exception reviews, side-by-side site inspections, call listening, etc
Drive escalation of key risks and work with the business to drive the right remediation of those key risks
5+ years of consumer credit experience (Mortgage Experience preferred)
5+ years of risk management experience
Able to synthesize deep quantitative and qualitative analysis into concise, executive-level communications
Highly proficient at presenting recommendations to senior management and skilled at influencing multiple stakeholders
Adept at interfacing with analytics and decision sciences teams and in driving outcome from those analytics to meet risk objectives
5+ years deep expertise in one of the following areas: Collections, Loss Mitigation, Modification product strategy & economic analysis, Default Underwriting, Short Sale, Recovery
Credit Portfolio Management Experience
Experience in Loss Mitigation product strategy and economic analysis a plus

Credit Risk Manager Resume Examples & Samples

5+ years experience in credit risk management
Proven ability to independently own multiple concurrent activities, drive completion and produce executive level reporting
Strong credit analytical skills with attention to detail
Execution oriented with demonstrated project management and problem solving skills
Strong partnering skills with ability to navigate across teams, eliminate roadblocks, drive consensus to achieve resolution and ensure successful execution
Able to develop and maintain strategic business relationships

Counterparty Credit Risk Manager Resume Examples & Samples

Generation and maintenance of reporting supporting governance and control routines
Participation in the testing and implementation of initiatives impacting collateral and reference data
Monitoring and maintenance of Control tables used in the calculation of exposure
Responding to audit, compliance, quality assurance, regulatory and Basel sustainability requests
Collateral recognition analysis and explains of eligibility movements
Business partners include but are not limited to Risk Control and Analytic Partners, Wholesale Credit and Risk, Capital Markets Risk, Capital Balance Sheet Management, Client On-Boarding, Legal, Agreements and Documentation Teams, Middle office and Technology
8+ years industry related & applicable work experience (a combination of Big 4 and industry experience acceptable)
Deep knowledge of Counterparty Credit Risk (Model, risk mitigation, exposure modeling (EEPE, CEM, MTM))
Prior experience working in a control or risk function (Middle Office/Operations)
Experience with or knowledge of trading products in Capital Markets
Ability to multi task and manage multiple demands and complex projects concurrently
Structured analytical approach with attention to detail
Experience handling large amounts of data using statistical packages or programming languages
Excellent communication, presentation and relationship skills
Ability to work as part of a diverse team and navigate across multi-layered organization
Self-motivated working on own initiative
Desire to drive change
Familiarity/Detailed understanding of Basel Regulations
Process Re-Engineering and Design experience
Project management and leadership skills relative to regulatory interpretations and/or implementations

Credit Risk Manager Resume Examples & Samples

Participate in new initiatives to improve infrastructure and processes regarding credit risk
Manage and monitor credit risk portfolios both in Japan and foreign offices
Assist the business with the management of credit related products
Understand, interpret new regulations and implement new measures or process accordingly
Assist with any documentation process related to credit risk
Manage credit portfolios of client's outside of Japan
Knowledge or Experience of Credit Risk within Financial services
Fully bilingual
Exposure to Fixed Income and Equity products. If candidates have experience of working with Hedge Funds this will be very attractive
Have Corporate analysis experience (screening, credit analysis)
Very good understanding of new global and local regulations affecting Credit Risk Management

Credit Risk Manager Resume Examples & Samples

Review all new and existing business proposals
Provide and monitor internal credit ratings
Supply industry reports to senior stakeholders in a timely manner
Adhere to the credit insurance policy in accordance with the relevant insurers specifications
Oversee the UK factoring program
Manage high risk profile accounts
Negotiate with customers to enhance security positions
Liaise with Senior Stakeholders
Produce presentations as and when required
Provide training sessions to team to enhance skills and strengths
Generate and tailor make solutions/agreements for new business opportunities
Support and offer advice to other parts of the business both locally and internationally

Credit Risk Manager Resume Examples & Samples

University degree preferably in Finance or Business
At least 5-7 years and above relevant experience in business underwriting / financial analysis / corporate credit risk analysis
Good knowledge in Payment industry or card acquiring schemes - ideal
Experience in portfolio management and credit risk reporting
Experience in Microsoft Office (Excel, Word, PowerPoint)
Strong knowledge of automation tools and report builders
Excellent communication skills in fluent English, Mandarin and native Cantonese
This role will require traveling up to 10% of the time within Asia-Pac
Self-motivated and a good team player

Commrcial Bank Risk-ctl-credit Risk Manager Resume Examples & Samples

Completes credit actions (annual family credit reviews) summarizing the financial analysis completed on a client’s portfolio including recommendations for future business
May serve as a project leader on special assignments, including the evaluation of income property loan portfolios, training less experienced credit manager/analyst or division employees, and updating credit policies
Computer proficiency skills in Excel (financial modeling), Microsoft Word, and Access
Understand and interpret financial/performance data for multifamily and commercial properties
Become conversant with the policies, standards, procedures, and regulations applicable to the assigned work unit in a timely manner
Understand and apply financial analysis methodologies to achieve/produce a desired result
Express ideas and convey technical information in written, oral, and electronic communication
Interpret results of credit analysis and formulate effective recommendations
Develop mathematical models that produce the desired result
Minimum requirements of 10+ years experience in real estate lending in construction and permanent financing, underwriting, loan review and/or loan workouts

Credit Risk Manager Resume Examples & Samples

Minimum of a Master’s degree in a quantitative discipline
Minimum 7+ years experience in credit risk modeling/analytics, credit risk portfolio management, or credit risk strategy development
Minimum 5+ years experience developing data driven strategies for an auto finance lender
Preferred experience working for a top 20 U.S. indirect auto lender
Experience working as part of a cross functional team
Experience presenting analytic findings and recommendations to senior management and executive directors
Build credit risk strategies for originations, account management and collections
Develop risk based pricing models and strategies to meet ROE targets
Integrate new data sources and solutions into credit risk strategies
Develop a program to track expected versus actual behavioral and performance measures for appropriate portfolios, populations, and segmentation end-nodes
Enhance the analytic framework for credit decisioning and pricing
Develop new quantitatively driven challenger strategies and pilot programs across the customer lifecycle
Implement strategies to increase automated decisioning
Develop and present analysis results and recommendations to senior leaders
Lead a team of analytic / statistician resources

Credit Risk Manager Resume Examples & Samples

Leads a team of experienced Credit Risk Analysts in evaluating credit risk for customers, portfolios, industries and geographies
Lead a team of Credit Professionals assigned to support collections activity for a portfolio of domestic and/or international customers
Engages with regional Business and Division leadership to develop, implement and manage credit risk strategies that support 3M’s growth strategies while maintaining 3M’s risk standards
Utilizes extensive experience with complex financial analysis, business and credit law, and various security instruments and programs to develop credit risk solutions for high visibility business opportunities and challenges
Initiates and leads difficult negotiations with external customers and internal clients, combining a thorough grasp of financial, credit risk and customer relation skills to arrive at successful plans to manage risks
Provide guidance and assistance to Credit Professionals for complex and/or high risk situations
Assist in development and implementation of credit risk scoring strategies and tools
Maintain and deploy various credit risk software applications
Minimum of five (5) years of experience as a Supervisor or Manager with direct reports, working in a credit risk function in a business-to-business environment
Minimum of five (5) years of experience in security instruments (i.e. letters of credit, construction bonding, and credit insurance)
Minimum of five (5) years of experience with laws and regulations in credit, collections, and bankruptcy
Experience in extending credit to customers outside of the United States
Masters in Business Administration (MBA) or higher in Finance from an accredited university
Experience with SAP-FSCM Credit Risk module
NACM –Certified Credit Executive certificate

Credit / Risk Manager Resume Examples & Samples

5+ year’s credit and financial analysis/portfolio management experience or equivalent, including 3 years direct acquirer experience. Knowledge of commercial and personal credit report(s). Bachelor’s degree in Finance, Accounting or related field
3-10 years’ credit and financial analysis experience
Highly organized and have the ability to prioritize workload and manage multiple
Responsibilities effectively without losing attention to detail
Strong analytical, quantitative and problem-solving skills
Monitors First Data’s risk exposure to Airlines and Cruiselines globally by leveraging on financial modeling and financial analysis skills. Able to exercise sound credit judgment
Formulates risk mitigation programs focusing on Airlines / Cruiselines at risk of defaulting or ceasing operations
Creates and maintains key relationships with internal and external constituents/partners. Strong negotiating skills
Prepares ad-hoc research analyses on airline industry trends and events
Excellent knowledge of all business aspects of the global airline/Cruise industry
Excellent financial modeling skills and ability to read through company filings (e.g., SEC filings)
Excellent communication, presentation and influencing skills. Good interpersonal skills
Advanced proficiency with Microsoft Office products
Basic understanding of payment and/or travel management industries
Able to handle heavy workload assignment and multiple priorities
Must be able to meet tight deadlines and productivity standards
Excellent Time Management Skills
Excellent Customer Service Skills with track record of dealing with adverse

Credit / Risk Manager Resume Examples & Samples

First Data is a global leader in commerce-enabling technology solutions, serving more than six million business locations and 4,000 financial institutions in 118 countries around the world. Our 23,000 owner-associates are dedicated to helping companies, from start-ups to the world’s largest corporations, conduct commerce every day by securing and processing more than 2,300 transactions per second and $1.9 trillion per year. First Data is committed to staying at the forefront of our industry, and we are innovating a wide range of next-generation commerce technology solutions to help our clients better detect fraud, gain insights into consumer spending patterns and build customer loyalty. There are many exciting opportunities for talented individuals who would like to join our team and play a meaningful role in helping us shape the future of global commerce
First Data’s Shared Services organization, which includes the Human Resources, Finance, Legal, Marketing, Communications, Finance, Strategy, Compliance, Legal, Security, Sourcing, and Properties functions, supports our mission to drive our clients’ success with industry-leading solutions, consultative advice and service. The Shared Services teams align with our customer-facing teams in a model that drives consistency, yet also provides the flexibility needed to meet unit-specific goals. Our Shared Services employees bring the domain expertise that helps First Data retain and grow our base of owner-associates, drive profitable growth, navigate complex channel partnerships, and build First Data’s brand equity
Job Responsibilities o Perform detailed credit analysis on National and Mid-Market merchant relationships within aggressive time frames. Number of reviews can range from 15 to 40 accounts per month and number of relationships managed can range from 200 – 300 per analyst, and more in some instances. Analyst has ultimate responsibility for the performance (losses) of portfolio managed. Analyst must actively monitor portfolio for problematic situations, make sound recommendations to senior management for adverse action with the goal of mitigating risk exposure for the business. As needed, Analyst to participate in risk management projects and systems testing. Analyst must be able to adapt to an ever changing environment and work situation. Individual must be a strong communicator, both written and verbal, and must be able to work independently, as well as be part of a team

Credit / Risk Manager Resume Examples & Samples

Prepares underwriting documents for management review on accounts with risk exceeding the standard thresholds. Will be involved in general Credit Policy and process development and handle escalated underwriting issues. Review and continuously evaluate credit worthiness of existing merchant who have significant Risk exposure
This position will also be responsible for managing the transaction and merchant monitoring activities
Will be overall responsible to Day to day operations(incl reporting to Sr. Mgmt), supervise and train Credit and Risk Officers & play active role in System and process enhancements
Has direct interaction and conducts negotiation with clients as well as manage escalated calls and resolve problems

VP Credit Risk Manager Resume Examples & Samples

Lead a team of credit approvers to ensure high standard credit quality of the portfolio using various credit assessment tools in giving approval to credit proposals and ad hoc requests
Work closely with the frontline marketing staff to monitor the quality of loan portfolio
Engage in the development, implementation, review and monitoring of various credit programs under the Unit
Provide training and coaching to continuously upgrade the competency of your team members
Outstanding analytical and problem solving skills with strong business sense
A strong team player and with good strong sense of change orientation

Credit Risk Manager Resume Examples & Samples

Three to five-- years of credit risk management experience
Advanced knowledge of risk management strategies
Thorough knowledge of commercial lending, underwriting and credit analysis
Strong analytical skills relative to problem solving and risk assessment
Ability to work effectively with individuals and groups
Demonstrated organizational and leadership skills

Affordable Lending Credit Risk Manager Resume Examples & Samples

Eight to ten years of experience in project management and leadership activities
Five or more years of managerial experience
Considerable knowledge of assigned business line or functional area
Ability to identify and resolve exceptions and to analyze data

Credit Risk Manager Resume Examples & Samples

Active portfolio management of designated customers
Responsible for the management of a portfolio as a senior analyst
Prepare detailed credit analysis and credit applications in accordance with GCP, Credit Rules for Overseas Offices and company's Procedure Manual, evaluating the borrower’s industry/business/legal/financial risks and recommending extensions of credit to management
Coordinate and communicate critical account information independently and directly to various related parties throughout the bank, business line, product groups and credit divisions
Maintain direct communication with assigned customers
Work with business lines/product groups to identify prospective transactions
Identify structural risks and mitigates in prospective transactions and recommend/enhance structuring of deals and covenant in line with policies and procedures
Advise account officers on credit risk issues/terms and conditions to create a best possible deal with a goal of maximizing profit and minimizing credit cost
Directly and independently communicate with credit division and ensure it is provided with all related information/analysis pertinent to making a decision with little support from management
Ensure compliance with external regulatory/internal policy and procedural requirements
Participate in ad-hoc policy meetings to enhance organization wide credit risk framework
Support and mentor junior analysts in credit risk management process
Train and support junior analysts on OJT basis as assigned by MD or VP/Team Leader
Guide junior analysis in completing complex assignments
7-10 years of work experience in financial institutions or equivalent in credit and risk related function analyzing general corporate customers
Minimum of 3 years of experience in analyzing large corporations with revenues over $1 billion and conducting due diligence on such corporations, developing working relationships with customer’s senior management
In depth knowledge of general corporate credit analysis, credit and risk management
Ability to build complex financial modeling to assess the customer’s repayment ability
Minimum of 2 years of experience in analyzing/supporting investment banking products including asset based lending (securitization, leasing), trade finance and understanding of structure risks inherent in such finance
In depth knowledge of loan documentation and structural risks in corporate finance
Bilingual English/Spanish is preferred
Minimum 3 years of experience in global relationship management at major money center banks
Understanding of regulatory environment both in Japan (FSA, BOJ) and the U.S. (FRB, FDIC)

Consumer Lending Credit Risk Manager Resume Examples & Samples

Evaluates, organizes, and interprets data and information to formulate opinions to report to senior/executive management
Recommends strategies to improve loan performance and report key risks and emerging trends
Develops action plans to address potential risks and breaches
Reports key credit and emerging risks and develops action plans to address issues
Serves and the business group's credit subject matter expert for regulatory, product, procedure and corporate policy initiatives
Develops and maintains first line lending requirements, policies and manuals
Serves as the business groups credit risk liaison with Consumer Credit Policy and outside industry investors credit risk areas
Provides third level policy exception, lending policy and quality support to underwriting and quality assurance managers
Participates in the development and account management and collection strategies

Consumer Credit Risk Manager Resume Examples & Samples

Knowledge of Auto or other Consumer Credit products and industry changes
Ability to recommend cohesive strategies that balance to increase profitability, while managing risk
Ability to recommend comprehensive consumer credit policies
Ability to monitor Regions compliance with consumer credit policies
Develop collection strategies
Demonstrated ability to evaluate, synthesize, organize and interpret data and information
Provide key point and action items in a concise and clear manner to Senior Credit Officer and CCRM Executive
Excellent communication skills, verbal and written
Create a positive work environment that fosters open communication among all team members
3-5 years of consumer credit risk management experience

VP, Credit Risk Manager Resume Examples & Samples

To make sure that credit quality is good
To help develop and refine portfolio strategy and adjust it on an on-going basis
To provide input in deal structuring and in subsequent monitoring
To provide credit input to facilitate proper deal structuring
To provide credit approvals
To help monitor credits
To help development of lending guidelines and portfolio strategies
Credit evaluation experience either in pure credit functions or in different marketing functions especially where complex credits and/or structuring are involved
Minimum 12 years’ experience of banking experience preferably in China

Credit Risk Manager Resume Examples & Samples

1; Manage the third party vendor selection process; monitor and drive performance of collection vendors; work with each utility to ensure the best performance within each tier of Exelon’s third party placements
2; Working through the utility credit peer group, utilize the existing enterprise credit structure to centralize certain standard credit tasks; collaborate with the peer group on all business plan initiatives; listen and advise the utilities on credit related issues such as a watch list process, management of sensitive accounts, deposit strategies ,etc…
3; Assess and analyze the credit worthiness of various types of customers/vendors/counterparties and monitor current and potential exposures. Approve credit requests within your assigned authority
4; Work closely with Enterprise Credit Portfolio Group to help implement an enterprise credit exposure aggregation tool
5; Assist in the development of presentations to Senior Management that include credit decisions and recommendations, while highlighting top credit risks within the organization

MF Credit Risk Manager Resume Examples & Samples

Support activities to further develop the teams understanding of the Multifamily market including; DUS model, loss sharing, products, real estate finance, transactions and structures, legal contracts, loan documents, property/ collateral valuation, cap rates, credit, regional markets
Significant depth of understanding of business unit activities and in context of coordinating team and customer interactions to mitigate financial and credit risk. Resolve problems, source and develop information to negotiate position(s) with customers and senior management
Direct others in the process of navigating multiple systems, managing data, creating reports and implementing business plans. Ensure team members are focused upon data quality and integrity. Enroll others to resolve issues and mitigate risk
Maintain Fannie Mae training schedule. Actively focus upon personal development aligned with Fannie Mae leadership criteria for people managers and that complements business unit goals
Position requires performance management coaching and direction to team members
Knowledge of Multifamily Business is required
Proven ability to multitask with various projects and tasks at hand
Knowledge of Multifamily Credit Underwriting and related terms is required
Strong communication skills, partnering, and customer developing experience
Familiarity with Salesforce is a plus

CCB Risk-mortgage Banking Default Credit Risk Manager Resume Examples & Samples

Identification, Reporting and Monitoring of key risks
Make decisions in a timely manner, balancing a need for action with a need for analysis
5+ years of consumer credit experience
5+ years of risk management experience OR default operations experience
Ability to synthesize deep quantitative and qualitative analysis into concise, executive-level communications. Comfortable presenting recommendations to senior management and capable of influencing multiple stakeholders
Must be comfortable interfacing with analytics teams and driving outcome from those analytics teams to meet risk objectives
Demonstrated experience in process assessment / design demonstrated either through operational risk, operations, or process engineering roles
5+ years of Mortgage Default Experience
5+ years deep expertise in one of the following areas: Collections, Loss Mitigation, Foreclosure, Bankruptcy, Short Sale, REO or Recovery
Portfolio Management Experience
An MBA, CPA, CFA or CERA preferred and formal Credit training a plus

Traded Credit Risk Manager Resume Examples & Samples

Excellent knowledge of derivative products with previous experience with expertise in at least one asset class (FX, credit, rates, or equity)
Excellent knowledge of counterparty risk measurement techniques on derivatives and financing transactions
Experience interacting with trading, structuring and sales
Strong computer skills (Office, VBA, Bloomberg, SQL)
Knowledge of CCP, Prime Brokerage, and Hedge Fund margin methodologies

Credit Risk Manager Resume Examples & Samples

Assesses the credit risk and financial strength of new and existing counterparties while continually monitoring appropriate industry sector developments
Negotiates and administers the exchange of corporate guarantees, netting agreements, and Letters of Credit, used to mitigate counterparty risk
Monitors and manages counterparty credit exposures on regular basis to ensure compliance with established credit limits
Approves pre-trade contract limits and thresholds for OTC trading activity
Maintains current knowledge of relevant contractual procedures and practices
Negotiates credit terms in financial agreements (ISDA, MSLA and MSFTA)
Collaborates with the Risk Desk on collections of bad debt resolution
Ensures compliance with CFTC, SEC, FINRA, NFA, SIPC and other regulatory rules and internal corporate policies
Builds and sustains professional relationships with both internal and external customers
Develops credit reporting requirements and act as liaison with the systems support team

Credit Risk Manager, RMG Resume Examples & Samples

Working as part of a small team to assess and provide recommendations on new debt and equity transactions, including opportunities to take responsibility for junior team members
Sector or counterparty specific market analysis, forecasting likely impact of changing market conditions on a transaction or counterparty operating environment
Review of financial models and sensitivity analysis
Presentation of investment recommendations to transaction team leaders and senior Credit approvers
Portfolio analysis and monitoring of counterparty performance and outlook
Training and development of junior team members

NAM Trade Credit Risk Manager Resume Examples & Samples

Point person on managing the Structured Trade portfolio, including the new products such as Distribution Finance and Credit Insured Account Receivable Finance; key tasks include managing portfolio report of existing transactions and support approval process of new transactions
Support EAF transaction approvals and portfolio management responsibilities; work with EAF Product to continue improve the EAF Global Quarterly Portfolio Report, monitor and follow up on credit downgrades, and support transaction approvals through coordination with Product, Banking and Risk partners
Support Global Trade Risk projects and presentations including event-driven deep dive analyses (industry, country, region specific), macro trade analyses, export credit agency sector reviews, etc
Spearhead the tracking of Cost of Credit for Global Trade: coordinate with each Trade Risk Region heads to compile CoC globally on a quarterly basis as well as support CoC forecasting
Support TTS Risk Management on CCAR responsibilities
Support the Product Segmentation and PD/LGD analyses and quality oversight on CORA submissions
Successful candidate will be proactive, detail-oriented, and analytical
Self-motivated and independently driven to effectively produce high quality results
Knowledge of Citi internal systems (such as Optima and/or Finance systems) is highly beneficial
Credit risk experience and Credit Officer designation (preferred)
Strong MS Office skills, particularly in PowerPoint and Excel (financial modelling)
Knowledge of Citi credit, country, cross border risk policies
Ability to exercise sound, timely and independent judgment
Education Level: Bachelor’s degree
3-5 years of experience in a financial institution in a credit role (credit trained)

Credit Risk Manager Resume Examples & Samples

At least 5 years of experience in Retail Credit Risk Management
Good knowledge of Consumer Credit Cycle and Basel II
Strong SAS modelling and data analysis skills
Strong communication skills with fluent English and ideally with Asian languages

Credit Risk Manager Resume Examples & Samples

10-15 years of loan review, audit or similar experience
Bachelor’s degree in finance, accounting, business, or a related field preferred, or a Bachelor’s degree with relevant industry and/or credit review experience. May have a Master’s degree, and/or professional designation in a business field
Knowledge of loan review processes and objectives
Well-developed credit analysis skills to be able to critically evaluate credit analysis conclusions (both business line and CRA)
Well-developed understanding of loan structures, account management practices, and problem account management techniques, to be able to critically evaluate the work of others
Is able and willing to challenge the conclusions of peers when completing reviews
Draws accurate risk conclusions efficiently, and can make decisions without the benefit of full information

Credit Risk Manager Resume Examples & Samples

Build, monitor and enhance credit risk policies and procedures in the team
Drive technical implementation of our credit policies in the team systems, building credit analysis templates and scorecards
Provide guidance and support authorising loan approvals, acting as a central credit committee
Be the data champion in the team, using data to provide insight into the activity. Working alongside marketing, lending and collections, you will influence strategic decisions, help identify new opportunities, and support the development of new policies and processes
Drive our technology and data strategies, including increased decision automation and the use of new data sets in decisions (bank transactions, etc.)
Manage and develop relationships with credit bureaus and other data vendors
Ensure that the business operates within the regulatory requirements (FCA) for new business origination
Experience in developing and implementing lending strategies across the consumer life cycle, including fraud prevention, underwriting and/or credit limit management
Had success using complex data analysis and statistical techniques in a financial services environment to drive business performance
An understanding of financial regulations affecting Consumer Credit
Integrity and ethical judgement, understanding the importance of ethical and responsible decisions to support our business and our clients whilst demonstrating a passion for Fair Finance and our social mission
An advanced knowledge of Microsoft Excel
You will be expected to be flexible and adapt to changing needs - demonstrate delivering results under pressure
Having strong excel skills is non-negotiable

Credit & Risk Manager, Albury / Wangaratta Resume Examples & Samples

Lead credit function and ensure operations and strategies and procedures are aligned with general company goals and in accordance with other functions
Develop, communicate and implement medium to long term operating policies, strategies and tactics that may involve the interpretation and application of broader guidelines
Manage and direct the overall credit process for a central department
Maintain the largest and most complex accounts
Evaluate and underwrite new/increase credit facilities and annual credit risk reviews
Structure transaction to meet customer / underwriting objectives
Direct interaction with customer on structuring or credit risk related matters
Involved in establishing credit risk appetite for client development plans

Credit Risk Manager, VP Resume Examples & Samples

Ability to build financial projection modeling to assess the customer’s repayment ability
Minimum of 2 years’ experience in analyzing/supporting investment banking products including asset based lending (securitization, leasing), trade finance and understanding of structure risks inherent in such finance
Experience in underwriting M&A finance, and ability in conducting merger and valuation analysis
Minimum of 3 years’ experience in global relationship management at major money center banks

Gcg-senior Secured Credit Risk Manager Resume Examples & Samples

Design and manage credit policy in line with Business Strategy, Risk Appetite, Global policies and Regulatory requirements
Work closely with relevant stakeholders in Product, Sales, Credit Operations to refine policy and process requirements and to deliver business priorities
Perform portfolio analysis, monitor portfolio performance and proactively manage emerging risks arising from the environment and portfolio
Support tactical and strategic Risk Analytics projects
Work with Independent Appraisal Unit in valuation matters and management of panel of appraisal firms
Ensure timely and accurate reporting, including for Country and Regional Risk Management, regulatory reporting, etc
Possess/develop expertise on Secured systems, Data warehouse, Credit bureau reporting
Partner with Technology, Operations and Business teams for system enhancements related to policy implementation. Participate in relevant system developments by getting involved in development, UAT and production cutover stages
Work closely on Stress Tests, CCAR Models, Basel reporting, etc. for the Secured products
Perform cross-functional Quality Assurance Framework and Management Control Assessment checks
Ideal candidate will be a degree holder with at least 6-8 years of work experience
Background/experience in Consumer Risk Management/understanding of Mortgage and Secured loans market preferred
Good communication skills (verbal and written), with the ability to articulate point of view and interact well with business partners
Strong team player and relationship management skills
Ability to effectively network with different teams and multi-task in a fast paced environment

Credit Risk Manager Resume Examples & Samples

10 years of consumer banking credit or audit experience in one or more of the following types of functions: credit analyst, underwriter, portfolio manager, audit manager, or credit risk review officer
Bachelor’s degree in finance, accounting, business, or related experience preferred, or Bachelor’s degree with relevant industry and/or credit review experience
Considerable knowledge of credit analysis and risk assessment, preferably in credit card portfolio risk management and/or risk analytics with extensive experience in portfolio strategy development and validation
Ability to efficiently and effectively manage assessments with minimal oversight and guidance
Experience leading a professional staff
Strong critical thinking, analytical and financial analysis skills

Credit Risk Manager Resume Examples & Samples

Ten or more years of experience in consumer lending portfolio risk management activities
Considerable knowledge of credit analysis and risk assessment, preferably in credit card portfolio risk management and/or risk analytics, with extensive experience in portfolio strategy development and validation
Experience in managing complex projects with multiple components and deliverables
Experience managing professional staff

Senior Credit Risk Manager Resume Examples & Samples

Monitoring credit performance in accordance with risk appetite
Recommending credit policy changes based on credit risk analytics
Conducting credit model monitoring and recalibrations
Preparing budget and ALLL (Allowance for Loan and Lease Losses) loss forecasts
Credit risk reporting
Supporting the Business Line on strategic and tactical initiatives
Supporting on portfolio acquisitions and securitizations
Ensuring a sound control environment including supporting on the resolution of regulatory and operational matters
8 years Business/Banking/Finance experience
5 years consumer credit risk management experience
2 years SAS experience
4 years student lending experience
Proven understanding on consumer credit risk management principles and analytical techniques
SAS programming skills
Ability to work in fast paced and changing environment
Proven ability to foster a collaborative work environment
Student lending knowledge preferred but not required

Credit Risk Manager Resume Examples & Samples

Understand key risk points in Home Equity lending (prior Home Equity risk management experience strongly preferred)
Monitor changes in the Home Equity and the overall Residential Real Estate Market
Write and review policies and procedures related to Home Equity lending
Ensure compliance with regulatory requirements as it relates to credit risk
Work collaboratively with business lines as the second line of defense partner to ensure compliance with established U.S. Bank risk framework
Define, review, and summarize reporting related to monitoring the Home Equity portfolio (Microsoft Office experience required, SAS programming is a plus)
Three or more years of managerial or supervisory experience
Advanced knowledge of lending, credit analysis and administration

Credit Risk Manager Resume Examples & Samples

Support activities to further develop the team’s understanding of the Multifamily market including; DUS model, loss sharing, products, real estate finance, transactions and structures, legal contracts, loan documents, property/ collateral valuation, cap rates, credit, regional markets
Provide subject matter expertise specific to the Multifamily Seller Servicer Guide (MSSG) policies, its uses and applications
Enroll team in business processes to analyze Multifamily portfolio data, counterparties, markets, complex loan agreements/ terms, financial statements, cash flows and loss calculations. Build expertise within the team to identify trends, and draw reasonable conclusions from examination of data and other sources of information
Improve processes to monitor and communicate credit risk within the team and across the Multifamily organization
Lead and develop action plans for non-routine project-based work including regulatory and internal audit activities
Experience working in a Commercial Loan Review function with a regulated financial institution
Managerial level underwriting experience with a multifamily commercial lender
Working knowledge of Multifamily Seller and Servicer Guide, and ability to interpret and apply the Guide across complex Multifamily transactions
Strong leadership and communication skills, verbal and written
Regulatory or audit experience preferred
Familiar with loan rating and impairment methodologies in context of a regulated financial institution

Credit Risk Manager Resume Examples & Samples

Support senior members of the Credit Risk team to embed risk appetite and mandate and scale within product areas
Support the development of Credit Risk Strategy and Policy to optimise risk and reward within the agreed risk appetite
Support sustainable and profitable portfolio growth through advanced analytics to achieve Business aspirations
Provide credit risk analytics for the development of new products, lending strategies and risk management of the portfolio
Represent Credit Risk in strategic projects and tactical initiatives
Proven Credit Risk experience in retail banking or finance house
Strong analytical skills, ability to digest and interpret complex concepts underpinning Credit Risk modelling and approaches
A range of inter-personal skills including innovation, determination, and teamwork
Degree or equivalent in numerate subject or proven track record in Credit Risk environment

Credit Risk Manager for Credit Cards Resume Examples & Samples

Work closely with Credit leaders and business partners to optimize credit policy and Initial line assignment strategies, while continuing to grow the portfolio
Conceptualize, develop, optimize, implement and measure champion/challenger risk management strategies and objectives
Utilize data sources to develop analytical insights and informed recommendations
Develop and manage predictive and segmentation models as well as portfolio analytics
Perform portfolio-level deep-dives to determine the key drivers of customer behavior and associated risk/reward returns for the business, and develop analytical and business solutions to meet business growth targets
Set and monitor risk appetite triggers and limits for key performance indicators
Present findings and recommendations to business partners and senior leadership
Bachelor’s Degree in Business, Finance, Economics, Mathematics or similar quantitative discipline. Advanced degree preferred
At least 7 years of experience in consumer lending or risk analysis
At least 3 years of experience using SAS or comparable statistical tool
In-depth knowledge and experience of using different statistical techniques such as CHAID, logistic regression and cluster analysis
Subject matter expertise in Credit Cards
Flexible & adaptable to competing and changing priorities
Excellent interpersonal skills supported by strong and verifiable verbal and written communication skills (presentational, active listening, ability to build consensus, buy-in and support across functions and at all levels)

Credit Risk Manager Resume Examples & Samples

4+ years relevant quantitative experience preferably in a large financial services company
Strong capability in the use of statistical tools like SAS/Matlab
Ability to inform, educate and influence to effectively shape proposed projects and strategies when working with cross-functional counterparts and internal customers
Strong communication skills with ability to interact across all levels within the organization

Global Credit Risk Manager Resume Examples & Samples

Superior financial statement analysis skills; working knowledge of rating agency frameworks
Strong working knowledge of finance & accounting, including GAAP (legal entity vs. management reporting) and Sarbanes Oxley
Experienced and comfortable making and optimizing material risk-return trade-offs decisions
Strong working knowledge of the legal environment surrounding contracts and extensions of credit
Expert in export/import trade finance and risk management of international trading relationships
Acts as a key business partner to regional sales and channel management leaders across the enterprise
Participates in business planning and management of global resources
Ability to work across multiple cultures, languages, and business models
Ability to build and maintain internal and external networks at all levels of the organization
Advanced degree or related experience required
8 to 10 years of experience in global credit management; commercial lending experience is a plus

Credit Risk Manager, Consumer Credit Cards Resume Examples & Samples

Optimisation of customer experience throughout the retail credit risk lifecycle
Review and maintenance of asset quality
Attainment of financial plan and forecast
Adherence to regulatory compliance
Coaching, monitoring and supervision of any staff
Degree level educated in a quantitative discipline (e.g. Economics, Maths, Operations Research or Statistics)
Subject matter expert in Credit Card levers and metrics
Subject matter expert in retail credit risk
Excellent analytical and numerical skills
Skilled at engaging and influencing stakeholders
Results driven with an ability to manage multiple tight deadlines

VP, Consumer Lending Credit Risk Manager Resume Examples & Samples

Develop and maintain credit policies and risk strategies that help drive soundness, profitability and growth in the unsecured lending portfolio
Oversee and/or perform periodic scorecard monitoring and validation
Work closely with third parties to ensure accurate execution of strategies and sound credit risk practices
Lead periodic credit risk meetings with internal partners and third parties
Perform detailed monitoring and reporting, both periodic and adhoc, to efficiently and effectively provide insight into performance of credit strategies, and to identify unique risks and opportunities within the business
Support credit risk strategies within direct mail and/or other marketing programs
Develop thorough, concise and data-driven business cases to support changes in strategy
Design, build and maintain a risk control framework to track portfolio performance and trends against key metrics and risk indicators including reports that compare MUB portfolio performance against industry and peer benchmarks
Bachelor degree and 5+ years’ of financial services experience including mortgage, home equity, consumer lending, small business and/or relevant banking background
Analytical experience in consumer lending
Significant experience using SAS, R, SPSS, or other similar data analytics packages
Experience in general data management is preferred
Requires excellent written and verbal communication skills

Senior Credit Risk Manager Resume Examples & Samples

Preparing budget and Allowance for Loan and Lease Losses (ALLL) loss forecasts
Credit Risk reporting
8+ years Business/Banking/Finance experience
5+ years consumer credit risk management experience
2+ years SAS experience
2+ years MS Excel experience
2+ years MS Word experience
2+ years MS PowerPoint experience
4+ years student lending experience

Credit Risk Manager, VP Resume Examples & Samples

5 – 10 years of experience in a financial institution in a credit underwriting or credit risk function; 2+ years of working with Technology credits
Knowledge of general corporate credit analysis, credit and risk management
In depth knowledge of loan structures, loan documentation and analyzing corporate credits
Experienced in underwriting and monitoring large corporate and middle market loans, and leveraged and asset based loans
Understanding of the issues related to the regulatory environment (FRB,OCC, FDIC)
Comfortable with Word, Excel and PowerPoint

Credit Risk Manager, VP Resume Examples & Samples

5 – 10 years of experience in a financial institution in a credit underwriting or credit risk function
Knowledge of general corporate credit analysis, credit underwriting and credit risk management
Understanding of the issues related to the regulatory environment (FRB, OCC, FDIC)

Credit Risk Manager Resume Examples & Samples

You will be confident using SAS/ SQL, as well as Microsoft Office
Knowledge of Credit Risk and Risk Analytics techniques is desirable
Expert knowledge of programming techniques to enhance automation in reporting
Knowledge of FICO Blaze and Java is also desirable

Credit Risk Manager Resume Examples & Samples

Credit risk reporting and monitoring
Recommending credit policy changes that help improve risk-adjusted returns
Loss model and credit scorecard monitoring
Assisting in loss forecasting
Assessing automated decisioning performance
Assisting in tactical and strategic initiatives such as securitizations and portfolio purchases/sales
Some credit risk data management
Helping ensure a sound credit risk control environment
4 years banking or business experience
2 years experience in a quantitative role
Strong SAS skills with at least 2 years proven abilities in data analytics
Strong analytical and pproblem solving skills
Sound data management expertise
Sound communication skills
Ability to work in fast-paced, matrixed, environment
Ability to foster a collaborative work environment
Consumer credit risk management experience
Experience with statistical analyses (regression analysis, decision tree)

Credit / Risk Manager Resume Examples & Samples

Decision suspended funding daily within authority to $250,000. Exercise increased credit authority to decision funding above Risk Analyst & Risk Manager authority
Complete monthly reporting on Timeliness, productivity, and Risk Mitigation Standards. Maintain discussions among the managers to identify and address exceptional work or areas in need of improvement
Handle all escalated issues, (from the Manager level) merchant calls, and Presidential issues in a timely and professional manner
Maintain and nurture a positive and professional relationship between FDMS, ISO’s and the alliance banks, addressing their concerns and resolving any issues that may arise
Interact with other departments within FDMS, including credit, Security, PR, Collections, and Client Services, working together to resolve merchant issues and mitigate risk
Perform Manager Reviews to eliminate excessive or unnecessary workload
Develop enhancements and training on current processes to increase productivity, risk mitigation, staff knowledge
Write reports, business correspondence, and procedure manuals. Present information and respond to questions from groups of managers, clients, customers, and the general public
Calculate figures and amounts such as discounts, interest, commissions
Solve practical problems and deal with a variety of concrete variables in situations where only limited standardization exists. Interpret a variety of instructions furnished in written, oral, diagram, or schedule form
Deal with Alliance issues and comes up with recommended solutions for outstanding issues
Provide critical mentoring and consultative support to Risk Analysts & Risk Managers. Enter review results in the Risk Management Workstation
Responsible for evaluating the process under his/her supervision and recommending improvements/enhancements
Responsible for Month End reporting results, reviewing Manager/Analyst input, ensuring 100% accuracy
Responsible for assisting Director in daily tasks serving as a backup
Takes the lead on special projects, one-pagers, BRD's, both Alliance specific and other
Manage and develop staff to ensure they achieve individual and departmental objectives
Support key departmental procedures through the assignment of ownership of specific process or procedures. MIS Reporting, RMW Administration, Training Modules. Achieve and retain a functional understanding of team director responsibilities
Identify accounts for review utilizing exception reports and other Credit Systems
Distribute reviews to staff timely and efficiently
Monitor and analyze a daily MIS report to be sure that timeliness and productivity standards are being adhered to. Bring exceptional or substandard issues to the attention of the Director
Analyze and concur on all reviews completed by staff and give direction on additional work that may be necessary. Monitor and provide guidance to other managers on maintaining concurrence timeliness
Work closely with analysts and upper management on high risk accounts
Have full knowledge of all Credit Risk Systems (RMW, EFMS, etc.) as well as FDMS systems (Mainframe, MSA, CARS, etc.)

CSL Credit Risk Manager Resume Examples & Samples

The exact nature of the transaction
To quantify the potential credit risks, potential future exposure, expected loss
Who is the counterparty to the transaction using quantitative and qualitative research and analysis
How this counterparty fits the Centrica plc Credit Risk Policy
To recommend and negotiate acceptable credit terms (e.g. payment) and credit support (e.g. guarantees) including analysing the impact on liquidity
To ensure the resulting credit exposure can be measured and monitored – developing and enhancing systems, models and processes
Manage key credit data
Present relevant analysis to the Financial Risk Management Committee
Demonstrable experience in a credit role
Educated to degree level
Excel, including model development skills
Self-motivated with the ability to prioritise work with minimal direction
Ability to communicate complex risk management issues in an effective manner
Salary: Competitive plus excellent benefits

Credit Risk Manager Resume Examples & Samples

Support senior members of the Mortgage Credit Risk team to embed risk appetite and mandate and scale within product areas
Support the development of Mortgage Credit Risk Strategy and Standards to optimise risk and reward within the agreed risk appetite
Provide Mortgage Credit Risk analytics for the development of new products, lending strategies and risk management of the portfolio
Represent Mortgage Credit Risk in strategic projects and tactical initiatives
Identify and manage emerging risks in the Mortgages (Home Finance) portfolio
Ability to work independently and represent Credit Risk with internal and external clients to Barclays
Strong stakeholder management skills across a number of business areas including senior management

CEP Credit Risk Manager Resume Examples & Samples

Maintain and manage CEP Credit portfolio, perform credit analysis on an annual and quarterly basis and execute transactions
Manage special projects / target market expansion green light memoranda / senior management requests. This includes stress testing, periodic business reviews, FCR, Basel capital exercises, etc
Work with CEP Credit Risk Head on specific projects, including portfolio reviews, updating of credit processes within the portfolio, risk rating policy, presentations to senior management, etc
Provide recommendations about specific clients within the portfolio and provide monitoring of all extensions of credit for these names
Assist with the delivery of risk reports/commentary to the Board, Risk and other relevant Committees along with Regulators and Senior Management
Assist with components of ICAAPs, Risk Appetite Statements, Stress Testing and other ad-hoc regulatory or legal entity governance projects
Assist with information requests from Central Bank of Ireland, European Central Bank, External Auditors and Internal Audit

Credit Risk Manager, New Products Resume Examples & Samples

Develop underwriting and pricing strategy for new products through collaboration with Marketing, Loss forecasting, Product, Operation and Investor team
Develop analytics and dashboards to communicate effectiveness of new initiatives and provide insights to improve conversion metrics
Work closely with Engineering and Product to ensure flawless implementation and rollout of new initiatives and policy changes. Ready to dig deep into discrepancies when necessary
Collaborate with Marketing to optimize conversion and acquisition cost
Track and analyze performance of existing customers and identify opportunities to optimize pricing, balancing risk and return for our investors
Perform strategic and various ad hoc analysis for senior executives. Formulate hypotheses, gather data to support them, and present findings
Bachelor/Master Degree in engineering, math, statistics or other data-oriented field. Masters is a plus
Strong business acumen and excellent interpersonal skills
5-7 years of data mining or analytics experience. Lending or fintech experience strongly preferred
Proficient in Tableau, SQL/SAS, and other business intelligence tools
MS Word, Outlook, Access, PowerPoint and strong Excel skills

VP, Wholesale Credit Risk Manager Resume Examples & Samples

Executing CCAR/DFAST stress test assessments for wholesale credit across Citigroup and significant legal vehicles
Reviewing incoming data flows, ensuring reasonability and articulating explanations of material changes in the underlying portfolios. Performing variance analysis and executing controls to ensure process robustness and reliability
Interact with modeling teams (including Credit and Operational Risk Analytics), Risk Systems Technology, Senior Management, Business Managers, Finance, and other groups within the firm
Interacting with teams to track and follow up on data quality and model calibration issues. Maintaining and documenting all overrides and exceptions
Supporting regulatory, External Audit and Internal Audit reviews at various levels
Ability to manage multiple projects and meet tight deadlines
Bachelor’s degree required. Masters degree preferred in a Finance, Engineering or Statistics discipline
Minimum 3-5 years experience in financial services industry
Familiarity with risk metrics including stress testing, loan loss reserves or economic capital a plus but not required
Experience in credit risk and familiarity with Citi’s consumer and institutional businesses an advantage
Organized, clear thinker, with entrepreneurial spirit and ability to execute complex and dynamic processes in a financial institution
Solid analytical and problem-solving skills and strong attention to detail
Proficiency in advanced MS Excel functionalities and constructing complex analyses and formulas
Proficiency in using SAS software and writing/executing SAS programs. Ability to work with large data sets with millions of records
Excellent written and verbal communication skills including the ability to interact with senior management and summarize and present data from insightful and actionable perspectives
Demonstrated facility to interact and work effectively with diverse teams, as well as lead projects with multiple counterparts across organizations
Ability to work under pressure will be critical

Credit Risk Manager Resume Examples & Samples

8-10 years banking/credit experience
Corporate Banking experience
Able to soundly manage the portfolio and justify rationale for recommended transactions and capability to exercise credit authority within delegated authority
Solid communication and presentation skills; team player with a positive attitude

Credit Risk Manager Resume Examples & Samples

Maximization of Meta Abo Brewery LTD Plc. cash-flow by minimizing bad & old debt while at the same time placing the customer at the heart of our business
Support the Financial Controller on all credit Risk issues
Develop and maintain the credit risk exposure by setting and reviewing credit limits and terms, regular evaluations of each customer’s payment performance and seasonally adjusting credit terms. Ownership of the credit policy and its development
Regular face to face customer contact to review credit and understand how we help each other in joined up business planning in this area
Monitor the Sales Ledger balance and aged debt profile and pro-actively manage timely cash receipts and the DSO target achievement,
Network with other FMCG Credit Managers to provide insights and spot potential credit risk early in order to avoid losses
Ensure Key Distributors disputes (Payments, Deliveries, and Sales Orders) are duly recorded, validated and resolved in a timely manner by the relevant party
BA in Accounting and Certificate Qualifications in ACCA
Minimum of 3 years post qualification experience with proven integrity
Ability to take commercial insights and translate into the Organization & People Agenda
Proven ability to facilitate, persuade, influence and build credibility with all levels and all functions
Sound IT knowledge in the use of outlook (Excel, word and power point)
Working knowledge in accounting package-SAP

Credit Risk Manager Resume Examples & Samples

Apply underwriting standards to assess credit risk in Multifamily Affordable Housing (MAH) loans and to review, re-structure and approve loan requests
Work collaboratively with other Credit Risk Managers and internal and external stakeholders to ensure recommendations and approvals are within existing credit tolerances
Communicate with DUS lenders to ensure that they understand the company's credit risk standards
Stay current on understanding the Multifamily market, including the DUS model, loss sharing, products, real estate finance, transactions and structures, legal contracts, loan documents, property/ collateral valuation, cap rates, credit, regional markets
Analyze Multifamily portfolio data, counterparties, markets, complex loan agreements/ terms, financial statements, cash flows and loss calculations. Resolve problems, source and develop information to negotiate position(s) with customers and senior management
Navigate multiple systems, manage data, create reports and help implement business plans with a focus on data quality and integrity. Work with others to help resolve issues and mitigate risk
Actively focus upon personal development aligned with Fannie Mae values and behaviors that complement business unit goals
Prior experience in underwriting LIHTC Section 42, project-based Section 8 and other Multifamily Targeted Affordable Housing property types required
GSE Multifamily underwriting experience required
Primary commercial mortgage market experience a plus
Knowledge of and experience with Multifamily business, markets, properties, borrowers, sponsors and financial products. Experience with Targeted Affordable Housing underwriting and related standards
Knowledge of and experience with underwriting Multifamily products, transactions, and complex structures
Thorough understanding of DUS underwriting guidelines, products and executions
Detailed understanding of complex borrower capital structures including subordinate, mezzanine and preferred equity components
Strong customer service ethic, interpersonal and influencing skills, and ability to work with internal and external customers
Strong financial analysis skills and experience analyzing operating statements
Strong written and verbal communication skills required

VP Credit Risk Manager Fmcg Resume Examples & Samples

Credit risk management of the bank’s financial institutions and NBFI (include Institutional Investors) under FMCG’s coverage in unison with facilitating the bank’s business objectives
Monitor, analyze, review and manage the credit risk for the assigned portfolio
Approving and controlling credit risk and portfolio quality
Ensuring compliance with all applicable credit policies, procedure; and where apparent, highlight any non-compliance with laws and regulations
Establishing portfolio underwriting standards in line with set concentration limits
Formulating supplementary credit policies specific to business or countries under their responsibility
Developing standards and procedures to ensure adherence to established policies
Participating in credit product / program review and approval process
Assisting to build a strong credit culture
Ensuring integrity and accuracy of credit information prepared by Credit Risk Managers for senior management, the Board of Directors, and regulatory authorities
Monitoring portfolio risk profiles, concentrations, and economic / industry / competitive / regulatory developments
Identifying and analyzing trends and concentrations that could affect the risk and performance of portfolios
Evaluating portfolio performance under stress conditions
Reporting risk profile trends and issues to senior management, as well as making recommendations on portfolio action steps, as necessary; and
Banking experience of minimum 10 years of which at least 5 years in credit risk management / approval
Demonstrated track record in managing financial institutions credit risk
Ability to build strong relationships with multiple business partners

Credit Risk Manager Resume Examples & Samples

Recommends cohesive strategies that balance to increase profitability, while managing risk
Recommends comprehensive consumer credit policies
Monitors Regions compliance with consumer credit policies
Provides business insight and recommendations relating to credit model enhancements and their use in underwriting
Utilizes alternative date sources to segment loan applicant data to enhance the depth of Regions customer relationships and improve organic growth
Develops account management and collection prioritization strategies
Independently reports key risks and emerging risk
Interacts with senior management and will act as a liaison to business units on Credit Review
Ability to provide direction in underwriting requirements and origination automation strategies
Understanding of Consumer Credit products, industry changes, regulatory requirements and banking laws
Ability to evaluate, synthesize, organize, and interpret data and information
Strong technical skills, basic programming and statistical concepts
Knowledge of quantitative analysis and static pool analysis

Americas Credit Risk Manager Resume Examples & Samples

Proactively maintain awareness/action around customer and market risks in order to minimize company risk and credit defaults
Utilize Global Credit Risk tools to reguarly monitor/prioritize risk and to compile high risk reports helping to identify bad debt reserves needed
Partner with Global Risk managers on new projects/initiatives and maintaining Global policies and procedures
Maintain positive open collaboration with Credit and Collection team, sales, finance, and customer service partners to deliver credit goals while minimizing risk
Financial analysis/review/approval of new and existing customers to determine terms, credit limits, and ratings
Externally Manage and oversee credit specialists for NA and LATAM
Partnering day to day with Credit and Collection in order to manage credit limit reviews/adjustments and escalations such as collection agencies and bankruptcies for all customer accounts in NA/LATAM
B.S. (Finance or Accounting strongly preferred)
Financial knowledge to read and asses financial data
5+ years of risk management experience with evidence of substantive management
Responsibility including understanding bankruptcy/legal processes
SAP knowledge and experience with Dun and Bradstreet preferred
Fluent in English, Preferably Bi-lingual Spanish Speaking
Ability to travel 25% including international

Credit Risk Manager Resume Examples & Samples

Conduct Model Risk Management activities on behalf of Senior Portfolio managers and director
Operation / oversight of key Model Risk Management controls
Identify and manage emerging model risks in the Mortgages portfolio
Proven Credit Risk and / or Risk Model experience in retail banking or finance house

Senior Credit Risk Manager Resume Examples & Samples

Lead credit risk input process for new deal pricing, expert model development and development of vintage level estimates to support expansion in new lending segments
Develop and execute the vintage loss forecasting for deal pricing with our retail partners and manage the performance tracking of vintage loss targets
Developing repeatable and reliable vintage loss tracking for our consumer unsecured lending portfolios that can support multiple outcomes including new deal pricing, credit loss forecast and stress testing
Communication process with multiple stakeholders regarding credit loss estimates and impact of credit policy and business strategy on credit profile
Review and ensure accuracy, consistency and theoretical soundness of analysis performed
4 plus years of experience as an Analyst/Sr Analyst in the consumer banking industry
3+ years of quantitative analysis required, with ability to manipulate and analyze large amounts of data
Ability to develop quantitative measurements/analysis to address multi-dimensional business needs
Experience in validating and implementing credit risk models and strategies
Excellent written and verbal communication skills that enable the candidate to build support from peers and senior management
Excellent inter-personal skills to ensure effective working relationships with other functional teams within the company
Must to be willing to code and proof-read scripts in SAS, SQL, MatLab or have advance Excel experience
3+ years of credit portfolio risk management in a large financial institution or regional bank environment
Experience in the following products: Installment Lending, unsecured personal loans lending or small ticket consumer leasing programs

Credit Risk Manager Resume Examples & Samples

Identify and manage emerging model risks in the Retail Lending portfolios
Support senior members of the Retail Credit Risk team to embed risk appetite and mandate and scale within product areas
Support the development of Retail Credit Risk Strategy and Standards to optimise risk and reward within the agreed risk appetite
Provide Retail Credit Risk analytics for the development of new products, lending strategies and risk management of the portfolio
Represent Retail Credit Risk in strategic projects and tactical initiatives

Credit Risk Manager / Credit Sanctioning Resume Examples & Samples

Analysis of counterparty credit quality, risk and exposure
Analysis of facility structures both Primary and Traded products including credit mitigations
Analysis of new transactions / clients and preparation of credit applications / sanctioning applications from Junior Credit Officers as required
Knowledge of African jurisdictions and counterparties especially South Africa
Portfolio analysis and setting associated risk appetites
Understanding of Country Risk appetite and processes
Ad hoc risk analysis of market and macroeconomic events
Preparation of counterparty and portfolio level applications / reports and presentation of analysis and results to senior management as necessary

Global Credit Risk Manager Resume Examples & Samples

7+ years of financial business experience in a relevant area (credit, tax, finance, treasury, accounting)
Proven leadership skills to drive enterprise change management and resolve conflicts
Experience working in a global organization
Excellent collaboration and influencing
Proven strong organizational, analytical and problem solving skills
Ability to manage multiple priorities in a demanding, fast-paced environment
Strong verbal and written communication skills, including interactions with senior corporate leaders
Ability to travel abroad up to 20% for key meetings and reviews
Understanding of fundamental credit drivers – particularly for stressed and distressed counterparties, including an understanding of collateral protections and bankruptcy law dynamics
Experience in credit structuring and other risk mitigation techniques

100

Senior Credit Risk Manager Resume Examples & Samples

Providing portfolio level analysis, generating risk management and risk: reward insight, and presenting proposals and business cases for change throughout the book subject to SMC
Running, developing and evolving automation processes for correctly and appropriately balanced control, commercial, client experience and capital management from a portfolio perspective
Thought leadership, influence and delivery for go to UK corporate risk strategy on both automation and the future state of the risk client journey, capital management processes and risk: reward framework
Portfolio management and risk management subject matter expertise, and analytical support for
Providing management expertise and monitoring of portfolio quality and appetite assessment through sector, product and geographic analysis
Development and automation projects for all portfolio level account management processes for SME. Including future state automation of manual account processes
Monitoring of all Capital and Impairment models across SME
Remediation and assessment of RWA and capital allocation across SME
Driving the automation agenda within a controlled framework across SME
Providing thought leadership and change imperative for the strategic future state direction and initiatives regarding client Account Management and credit quality management across all of SME
Key liaison with product development and pricing process to ensure portfolio quality, risk: reward value balance and risk control over the SME portfolio in particular
Representation and presentation to key committees, meetings and fora
Key risk: reward analysis, with associated communication, presentation, collaboration and stakeholder influence to support all of the above

101

Credit Risk Manager Resume Examples & Samples

Monitoring of, briefing on, and directly acting/influencing to preserve the health of the balance sheet for BUK Business Banking (£14bn lending)
Support senior members of the Credit Risk team to embed risk appetite and mandate and scale within Business Banking
Provide credit risk & portfolio management support in the analysis and development of new products, business strategies and individual transactions
Deliver high quality analytics to inform portfolio performance and future credit risk strategy
Represent Credit Risk for strategic projects and tactical initiatives being driven by product of functional areas

102

SVP Credit Risk Manager Resume Examples & Samples

To work as a team with other approvers for China Credit to ensure the credit quality of the bank’s China Credit portfolio
To support other administration activities, including but not limiting to formulation of various credit related policies, guidelines and initiatives
University graduates
Front line business experience in lending or related activities
Relevant non-banking experience is acceptable if it adds to the person’s risk assessment ability
Market & industry knowledge
Risk management skills
Analytical / problem solving skills
Knowledge of credit policies / underwriting standards
Able to work independently and under time pressure
Strong financial/ management accounting knowledge
Good people management skill
Must be a communicator and a team player

103

Credit Risk Manager Resume Examples & Samples

Qualifications: Relevant Masters (MComm / MSc /MPhil) or Honours degree with the intend to pursue a professional qualification (CFA / FRM / PRM / FIA / FASSA) - candidate must have a solid understanding of quantitative methods and their application in the FRM space
Market related remuneration
A minimum of 3 years working experience is required
Proficient in MS office
Knowledge of SAS, VBA, Matlab
Innovative, creative thinking
Robust project management skills
Initiative and enthusiasm
Responsibility and maturity
People skills
Confidence to be client-facing
Above average linguistic aptitude
Flexibility to accept change in terms of the consulting/ advisory environment

104

Credit Risk Manager Resume Examples & Samples

Good understanding of corporate finance and Citi credit policies and practices
Need to have fundamental credit analytical skills including solid understanding of financial statements, financial spreading; and basic knowledge of local regulatory credit policies. Candidate should be able to draw a credit decision based on the fundamental credit analysis
Proficient in stress testing of the portfolio; and able to discuss and address the issues associated with stress test results
Preferably has 5+ years of credit experience in credit approval
Must have effective communication and negotiation skills; can articulate key issues with business partners and be solution focused
Must have experience in fundamental credit analysis
Must understand basic corporate finance and derivative products

105

Credit Risk Manager Resume Examples & Samples

Primary account responsibility for a complex portfolio of Large Corporate clients including Technology, Aerospace & Defense, and Engineering & Construction companies
Structure complex transactions and negotiate complex credit documentation to mitigate risk appropriately
Develop and maintain a deep understanding of the industry and an assigned portfolio of clients to assess risk solutions that balance risk and return
Develop and maintain a deep understanding of the Global Banking & Markets product spectrum
Develop and maintain strategic partnerships with Corporate Banking, Investment Banking, Global Markets and Treasury Management
Independently develop high quality credit analysis with a focus on business rationale, key risks, sources of repayment, projections and returns & profitability
Independently assess, diligence and make justifiable credit recommendations
Establish appropriate internal risk ratings for clients and implement accurate adjustments throughout the clients’ credit life cycle
Participate in strategic projects to support business goals
Informal management responsibility for Analysts and Associates on the team
Responsible for driving portfolio asset quality and speed to market
7 - 10 years experience in commercial and / or corporate lending environment, with understanding of loans, trading & treasury products
Able to soundly manage the portfolio and justify rationale for recommended transactions
Must have ability to manage the most complex transactions, possess strong credit skills and transaction experience, and demonstrate the ability to work with senior officers, business partners, and clients
Must be able to independently lead diligence efforts, make approval recommendations, negotiate loan documentation and execute timely closings
Requires effective communication style and ability to manage multiple priorities - must be a team player

106

Credit Risk Manager Resume Examples & Samples

5+ years of credit and collection experience
Internal Controls: understanding and ability to effectively apply internal control principles and objectives
Understanding Bad debt
Able to read BS of customer
Understanding of P&L
Financial ratios
Good communicator
Team player – easy connecting to others
Skilled in English – BS memo
Passion for CM
Able to set up the team
Experience with Credit limits
Experience from Health Care industry
SAP knowledge is an advantage

107

Senior Credit Risk Manager Resume Examples & Samples

5+ years of years of experience as an Analyst/Sr Analyst/Risk Manager in consumer banking industry
3+ years of Residential Lending credit portfolio risk management at large financial institution or regional bank environment
Exceptional data management, SAS programming, and overall problem-solving acumen
Advanced knowledge of risk management principles and portfolio management techniques
Ability to prioritize competing assignments and work independently in a fast-paced results driven environment

108

Credit Risk Manager Resume Examples & Samples

Financial modeling of investment solutions, including structured debt and complex equity investments (including lease transactions)
Managing return measurements models and the applicable processes related to returns
Serving as resident expert on Bank credit systems use
Providing training in basic financial analysis and modeling of new analysts and other topics as needed
Managing financial, planning and administrative (FP&A) matters for the Leasing & Asset Finance group
Reporting functions related to FP&A

109

Credit Risk Manager Resume Examples & Samples

Reviews and approves departmental procedures for policy adherence
Leads collaboration for policy support and approval
Develops and presents credit policy recommendations to mitigate risk with balance of risk vs reward
Assists Consumer Lending, Mortgage Lending and Loss Mitigation Departments to correct deficiencies
Participates in partner meetings with up to date information on lending requirements and policy change implementations
Monitors salable and portfolio loan credit delinquency and incorporates findings to support policies
Reviews and analyzes departmental and management reports and conducts post implementation analysis to assess credit policy effectiveness
Works with IT on technology and project implementations and enhancements
Oversight of direct reports

110

Senior Credit Risk Manager Resume Examples & Samples

Embed risk appetite and mandate and scale within product areas, ensuring that any potential breaches are dealt with promptly and through the correct Governance channels
Strong technical skills, highly proficient SAS, SQL, excel skills
Data extraction and manipulation skills and understanding of data issues to prepare and validate inputs and analyse outputs
Good communication skills, ability to communicate to an audience with different levels of understanding of Credit Risk

111

Credit Risk Manager Resume Examples & Samples

Analyze business problems and generate hypotheses
Ability to proactively take lead and drive projects to fruition
Analyze data to prove hypothesis and make recommendations for improvement
Develop and deliver regular reports and communications to senior management
Design statistical and mathematical models for reporting and predictive analytics
Implement strategies in conjunction with other teams
Communicate analysis insights and progress on implementation
3+ years financial or quantitative experience
2-3 years experience programming in SAS, SQL
Demonstrated critical thinking and analytical aptitude

112

Wholesale Credit Risk Manager Resume Examples & Samples

Manages team including talent management and development
Leads risk management strategies for Wealth Management business units
Manages policies and procedures used to evaluate and control credit risk
Monitors and tests compliance with risk appetite and policies
Identifies emerging and key risk trends
Works collaboratively with business line to mitigate or remediate identified risks
Strong project management and strategic planning skills
Strong problem solving, analytical, and reporting skills
Proficient in programming and data manipulation using Excel
Intermediate to advanced Excel skills
Ability to work independently with minimal guidance from manager

113

Credit Risk Manager Resume Examples & Samples

Manages and develops team members to meet team and divisional goals, and employee career goals
Evaluates the team’s internal processes and procedures for effectiveness, enhancement, and obsolescence. Recommends changes to the Credit Risk Assessment Director when applicable
Actively participates in the design and execution of new assessment processes
Develops and implements a risk based assessment schedule annually, and continuously monitors industry and portfolio conditions to enact risk based changes
Oversees project managers in the development, implementation and ongoing execution of assessments. Performs detailed secondary reviews of individual loan/relationship reviews as needed
Maintains an internal and external network to assist in the timely identification of actual or potential risk issues, as well as the communication of best practices
Continuously monitors industry and economic trends to identify actual or potential credit risks bank wide
Challenges project manager and team member conclusions as needed in order to identify root causes of problems and effect change
Ensure that all internal and external audits and exams reflect an effective and continuously improving credit risk assessment process. Interact with government regulators, as necessary
Cumulative 15 + years of wholesale banking experience at a large financial institution
Proven management experience with a professional staff
Strong leadership ability and the ability to grow into a strategic leader within Credit Risk Assessment
Bachelor’s degree in finance, accounting, business, or related industry and/or credit review experience
Prior experience (5+ years) in a credit approval or loan/credit review function
Experience in leveraged loan transactions, syndications, commercial real estate, and credit policy design and management

114

Senior Credit Risk Manager Resume Examples & Samples

Must be able to code and proof-read scripts in SAS, SQL, MatLab or have advance Excel programming experience
5+ years of credit portfolio risk management in a large financial institution or regional bank environment
5+ years of quantitative analysis required, with ability to manipulate and analyze large amounts of data
Experience in validating and implementing statistical models and data based strategies

115

Counterparty Credit Risk Manager Resume Examples & Samples

Performing analysis of credit risk of individual derivative trades, typically structured, across all products in the firm - fixed income, equities, commodities, emerging markets, asset-backed and foreign exchange for transaction approval and counterparty portfolio assessment
Reviewing portfolio based prime brokerage (Rates, Foreign exchange (FX), Equities, Credit), Wealth Management Advance Ratios, and clearing house margining methodologies
Interacting with credit officers and front office sales, structuring and trading to discuss trade structures
Performing ad-hoc scenario analyses and stress tests across portfolios of counterparties and business lines
Participating in discussions of risk mitigation for large complex transactions
Active involvement with Counterparty Credit Risk (CCR) Pre-Deal colleagues globally on transactions, methodology/tool development, and other strategic initiatives
Solid mathematical skills including probability and statistics
Strong derivative product knowledge across all asset classes and knowledge of financial markets, traded products, and risk concepts
Excellent interpersonal and analytical skills & a team player
Experienced in methodology development for financial products and ability to communicate technical documents to non-technical audiences
Understanding of various pricing models
Strong mathematical and statistical background but able to simplify complex concepts for a non-technical audience
Able to demonstrate high integrity and invite challenging views

116

Credit Risk Manager Resume Examples & Samples

Prioritize and process incoming credit requests, check completion of package received from RM and ensure timely completion of credit underwriting / CA, including any interim transaction request
Conduct an objective and thorough credit analysis of the financial condition and credit-worthiness of existing and new to bank borrowers using analysis of historical and projected financial statements, biographical data, market information, credit reports and other data; Identify key transactional risks and mitigants
Raise relevant questions to drive deeper analysis of customers for annual reviews and new underwritings
Specialize in specific industries and remain current on economic developments by closely monitoring the macroeconomic variables and publicly available data about these sectors
Analyze portfolio performance through reviews and approvals
Make credit decision within established authority
Continue to generate ideas for improving lending process efficiency
Structuring and approving competitive credit proposals aligned with risk standards and with understanding the client’s strategic and financial objectives/needs
In spite of the responsibilities and duties mentioned above, additional responsibilities can enlarge the job description according to conditions and needs
Master in Business Management, Finance, Economics, Sales/ Marketing (preferred)
Min 10 years of relevant work experience in credit risk
Ability to prioritize and handle high volume work under time pressure
Ability to propose appropriate credit structure
English in spoken and written form
Proficient in spreadsheet (Excel) and other office applications
Ability to lead meetings with clients/colleagues/seniors and ask pertinent questions

117

Credit Risk Manager Resume Examples & Samples

Knowledge of Multifamily real estate markets and property types
Experienced in Underwriting Debt with complex structured transactions (Equity)
Experience communicating complex ideas and processes to colleagues and stakeholders
Ability to work independently while effectively managing multiple tasks and projects on tight timelines

118

Credit Risk Manager Resume Examples & Samples

3-5 years analytical or quantitative experience in retail credit risk
3+ years experience programming in SAS, SQL and proven experience with relational databases
Ability to effectively communicate and present recommendations and solutions to business partners and internal team members

119

Credit / Risk Manager Resume Examples & Samples

Maintain oversight and control of the daily operational activities completed by the Transaction Monitoring Team
Manage and motivate staff to meet departmental and team service level agreements and objectives
Deliver feedback to employees regarding performance and leadership behaviours
Develop employees to achieve a multi-skilled status and fulfil personal goals
Drive a culture of collaboration and innovation to ensure operational activities are regularly assessed for efficiency
Analyse merchant information including sector, business model, card processing trends, financial profile, public record information and risk exposure
Produce well balanced commercial risk decisions with attention to customer retention, revenue growth and mitigation against potential credit and fraud losses
Strive for excellence when liaising with partners, merchants, card issuing banks and internal departments
Complete monthly management reporting and adhoc reporting when required

120

Credit Risk Manager Resume Examples & Samples

4-10 years' work experience in financial institutions or equivalent in credit and risk related function analyzing general corporate customers
Minimum of 4 years’ experience in analyzing large corporations and conducting due diligence on such corporations, developing working relationships with customer’s senior management
Understanding regulatory environment both in Japan (FSA, BOJ) and the U.S. (FRB, FDIC)
Bilingual Japanese/English is a plus

121

Credit Risk Manager Resume Examples & Samples

Ownership of development and implementation of the credit policy
Strengthen the current payment terms and days credit to improve days outstanding
Responsible for timely amendment of master data when credit limits are amended and monthly audits of the master data to ensure payment terms are within the approved limits
Document and communicate all changes to customer’s their payment terms within 2 days of approval by the credit committee
Responsible for conducting consistent and timely quarterly credit committee with the General Manger, Finance Director, Commercial Director, and Control Compliance and Ethics Director to review customer credit limits (both liquid and returnable packaging) and credit risk exposure
Actively track and monitor the sales ledger/cash collections to ensure payments are made within the respective payment terms to pro-actively manage aged debt
Together with the treasury manager ensure timely reconciliation of unallocated balances (unallocated balances should not exceed 5 days)
Responsible for ensuring adequate deposits/bank guarantee for returnable packaging is provided for all transactions by partnering with distributor managers and customers
Partner with the commercial team to move distributors from post-dated cheques to Bank Guarantee or CPO
Ownership of KYC process for new customers as well as credit risk assessment of new customers
Experience gained through a professional background in audit, controls assurance or risk management working within a multi-national environment
Audit qualifications (preferred but not essential) or other professional qualifications
Excellent communication, presentation and influencing skills
Experience of working in ‘business partnering’ role with colleagues in different functions and locations
Strong project management focus and ability to proactively manage own workload and the rest of the team
Confident on MS office packages (advanced Excel)
Track record of consistent delivery and service excellence
Ability to constructively challenge business practice
Knowledge of business process design
Ability to priorities when faced with conflicting demands
Proven ability to assist projects and facilitate business change
Ability to take commercial insights and translate into the Organization, People & Compliance agenda including good customer service

122

Credit Risk Manager, Director Resume Examples & Samples

A minimum of 7 years of corporate credit experience
Corporate finance professional with solid credit and analytical background
Completion of formal credit-training program at a money center bank preferred
Strong written, verbal and interpersonal skills
Strong financial modeling skills a must
Bachelor’s degree or equivalent; MBA preferred
Series 79 and 63 licenses are required

123

Senior Credit Risk Manager Resume Examples & Samples

Extensive experience in the banking / financial services sector
A proven track record of management of an end-to-end credit risk function
Detailed experience of portfolio management
Proven ability to work well within a team environment, with some experience and understanding of managing others
Proven ability to work without the need for close supervision showing excellent time management, planning and organisational skills
Excellent communication skills, both written and verbal with experience of tailoring communication for different audiences
A natural ability with numbers, with the ability to work quickly and at a high level of detail and accuracy, and a highly analytical approach to problem solving
A high level of creativity, drive, innovation and initiative – a self-starter
A good degree in a numerate subject

124

Credit Risk Manager Resume Examples & Samples

Supporting management activities around risk forecasting group as it relates to predicting risk factors such as losses, delinquencies, prepays and other related risk events
Help in developing forecast models to accurately predict losses in near term as well long term
Seeks opportunities to improve forecasting platform, methods and techniques to produce more accurate forecasts and improves processes to meet management needs
Develop analytics for backtesting, model diagnosis, and error attribution
Generate hypotheses, analyze data to prove hypothesis and make recommendations for improvement
Develop/deliver regular reports and analyze business problems
Help design statistical and mathematical models
Help implement strategies in conjunction with other teams
1-3 years of financial or quantitative experience
1+ years of experience programming in SAS, SQL, MS-Word, Power Point and spreadsheets
Creative analytic problem-solving skills
Exposure to retail credit risk functions

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