Credit Executive Resume Sample
Melisa Emmerich
83417 Ward Shoal,
San Francisco,
CA
+1 (555) 180 7610
Work Experience
Credit Executive
06/2015
-
PRESENT
Los Angeles, CA
- Analyzes applicant’s credit and bank statements
- Provides support to the Company casino operations leadership to ensure marker limit issuance procedures are aligned with the Company’s business goals
- Maintains working knowledge of the Company’s Title 31, KYC, CDD programs and methodologies and performs reviews related to customers’ business ownerships, KYC, and or CDD
- Approves Marker Limit for casino customers based on the assessment of the customers’ creditworthiness performed
- Works closely with Casino Cages, Casino Marketing Departments, MLife Desks, and Branch Offices on customers’ Marker Limit Requests across the company
- Identify structural risks and mitigates in prospective transactions and recommend/enhance structuring of deals and covenants in line with policies and procedures
- Directly and independently communicate with other credit divisions to obtain necessary information/comments to support making a credit decision
- %: Manage a portfolio of credits including the underwriting of new and renewed loans for borrowers and credit structured for Business Banking Market
- Ensure that portfolio management is consistent with Bank's current policies and practices. Interface with Regional Vice Presidents, Relationship Managers and Credit Administration to ensure credits fit within Bank's credit risk appetite
Asset Management Risk-credit Executive
07/2009
-
04/2015
Boston, MA
- Maintain regular contact with Relationship Managers to ensure customer satisfaction
- %: Effectively manage and monitor risks of the portfolio including appropriate risk grading
- Prepare quarterly PLR/Watch Reports
- %: Assist in the coaching and training of Credit Associates and Credit Executives
- Accountable for managing the regional accounts receivable portfolio according to the credit policy.
- Check and release sales orders on credit hold on daily basis in compliance with payment terms and credit limits utilization in ERP System (SAP)
- Responsible for credit risk assessment for New / Existing customers periodically and regular updates on customer credit files.
- Needs to take credit decisions for new and existing accounts and recommending management to decision making on credit management aspects above a specified level
Wholesale Credit Executive, Hedge Funds
01/2004
-
01/2009
Los Angeles, CA
- Credit Underwriting and Portfolio Management
- Primary responsibility for underwriting, structuring and completing credit approval requests
- Initiate and ensure completion of all required loan documents and agreements
- Manage a portfolio of credits including the underwriting of new and renewed loans for the most complex borrowers and credit structure in the Middle Market
- Effectively manage and monitor risks of the portfolio including adherence to the risk grading process
- Recognize and communicate potential credit quality issues within the Bank on a timely basis
- Ensure that portfolio management is consistent with Bank’s current credit policies and practices
- Demonstrates expertise in working with clients demonstrating a higher risk profile
- Maintain excellent communication with Relationship Manager, Regional Vice President and Credit Administration to ensure credits fit within Bank’s credit risk appetite and to ensure customer satisfaction
Education
Golden Gate University - San Jose Campus
1998 - 2003
Bachelor's Degree in Management
Professional Skills
- Typically requires 7+ years of commercial lending experience including credit portfolio management and client calling skills
- Possess excellent oral and written communication skills and presentation
- Strong collaboration skills in a team-oriented environment
- Compelling communication skills along with professional poise
- Good levels of computer skills including Excel & Word
- Good communication skills, both written and oral, and have an investigative nature
- Previous experience working with similar casino systems/applications - Patron Management, Tandem, CMS and CTA, etc
How to write Credit Executive Resume
Credit Executive role is responsible for credit, finance, training, commercial, software, reporting, analysis, lending, articulate, analytical.
To write great resume for credit executive job, your resume must include:
- Your contact information
- Work experience
- Education
- Skill listing
Contact Information For Credit Executive Resume
The section contact information is important in your credit executive resume. The recruiter has to be able to contact you ASAP if they like to offer you the job. This is why you need to provide your:
- First and last name
- Telephone number
Work Experience in Your Credit Executive Resume
The section work experience is an essential part of your credit executive resume. It’s the one thing the recruiter really cares about and pays the most attention to.
This section, however, is not just a list of your previous credit executive responsibilities. It's meant to present you as a wholesome candidate by showcasing your relevant accomplishments and should be tailored specifically to the particular credit executive position you're applying to.
The work experience section should be the detailed summary of your latest 3 or 4 positions.
Representative Credit Executive resume experience can include:
- Work with the Assistant Financial Controller to build effective working relationships with internal and external customers
- Strong ability to multi-task meet deadlines and manage Relationship Manager’s and client expectations
- Demonstrate knowledge of and is sensitive to the current regulatory environment
- Being responsive of the potential impacts on the credit portfolio of other types of risk such as Market, Liquidity, Operating, Reputation, etc
- Aiding and supporting the Irish Credit dept on an as & when basis
- Ensuring the appropriate tax / legal opinions and collateral confidence align with Credit
Education on a Credit Executive Resume
Make sure to make education a priority on your credit executive resume. If you’ve been working for a few years and have a few solid positions to show, put your education after your credit executive experience. For example, if you have a Ph.D in Neuroscience and a Master's in the same sphere, just list your Ph.D. Besides the doctorate, Master’s degrees go next, followed by Bachelor’s and finally, Associate’s degree.
Additional details to include:
- School you graduated from
- Major/ minor
- Year of graduation
- Location of school
These are the four additional pieces of information you should mention when listing your education on your resume.
Professional Skills in Credit Executive Resume
When listing skills on your credit executive resume, remember always to be honest about your level of ability. Include the Skills section after experience.
Present the most important skills in your resume, there's a list of typical credit executive skills:
- Effectively manage a Loan Portfolio and other Credit exposures within acceptable quality and loss criteria
- Network and develop contacts to effectively manage risk
- Experience working with syndicated or multi-bank credit facilities
- Previous experience as a Credit Executive
- Strong ability to multi-task meet deadlines and manage Relationship
- Several years of CRE industry experience and specialization
List of Typical Experience For a Credit Executive Resume
1
Experience For Asset Management Risk-credit Executive Resume
- 30-60% Relationship Management
- 30-60% Portfolio Management
- Dallas or Houston
List of Typical Skills For a Credit Executive Resume
1
Skills For Asset Management Risk-credit Executive Resume
- Play lead role in supervising, training and mentoring other credit partners
- Primary responsibility for underwriting, structuring and completing all approval requests
- Responsible for increasing NOI of existing customers on an annual basis as well as cross selling additional products and services to those clients
- An understanding of company structures, Companies House and their filing requirements
- Partner with the Business in developing products, markets, and enhancing revenues
- Conduct ongoing credit monitoring to ensure highest credit quality of assigned portfolio
- Thorough understanding of JPMorgan Credit Policy and Risk parameters
- Review and utilize the Reporting to understand issues, approve resolution plans and escalate potential problems within designated portfolios
- Provide feedback on analysis, due diligence, credit presentations and reporting
2
Skills For Special Assets Credit Executive Resume
- Approve credit risk exposure relating to the client base within authorized limits
- Approve credit risk exposure relating to the client base within authorised limits
- Play lead role in supervising the quality of the credit risk portfolio
- Expertise in Multi-family lending
- Maintain a database of customer information to include a summary of all trading, financial and security data
- Prepare reports for presentation at the local and national Credit Control Committees and maintain the KPI’s relating to customers used in such reports
- Advise and assist the Customer Service Centre on credit matters including payments, deductions & order referrals
- Aid and assist the credit team in all matters relating to Doubtful Debt, Insolvency, payments, security and Terms of Trade
- Liaise with the Sales Force in order to obtain up to date information relating to customers
3
Skills For Wholesale Credit Executive, Hedge Funds Resume
- Fully or part qualified CICM or willingness to complete the qualification in the near future (or similar accounting qualification)
- Be able to use a structured approach to understanding problems and drive actions from the results
- Identify cross-selling opportunities to meet income generation goals
- Proficient in relevant software including Excel, Word, PowerPoint, Moody’s Risk Analyst and Bank’s legacy systems (RACER, ESB, TOPS, and AFS)
- Previous use of the SAP ERP system, or similar
- Approve credit transaction and risk exposures for assigned client within authorized limits
4
Skills For Credit Executive, Cisb Risk-sydney Resume
- Responsible for the accurate, timely and consistent assignment of Risk Ratings for Clients and Collateral
- Work cohesively with integrated teams and other Lines of Business to meet credit objectives and risk standards
- Ensure all credit exposures are structured, documented and approved in accordance with JPMorgan Credit Policy
- Identify problem credits and risk concerns in a timely manner and elevate appropriately
- Identify and escalate gaps or inconsistencies in policies and procedures
5
Skills For SBA Credit Executive Resume
- Provide coverage and support for other Regional Credit Executive’s
- Manage the a designated regional Credit Risk Portfolio within acceptable quality and loss criteria
- Identify names promptly to be added to the Watch List or Criticized and Classified loans
- Manage CLT Advised Line Portfolio and other Credit Risk projects within acceptable quality and loss criteria
- Responsible for the accurate, timely and consistent assignment of Risk Ratings for all Clients and Collateral
6
Skills For CTL Credit Executive Resume
- Ensure all credit exposure structured, documented and approved in accordance with JPMorgan Credit Policy
- Monitor all Exception Reports produced by Credit Middle Office, work with integrated team to understand issues, approve resolution plans and escalate potential problems immediately
- Identify names promptly to be added to the Watch List or Criticised and Classified loans
- Advise ITM on credit risk management of Watch List and C&C accounts, manage CSR process
- Work closely with all other Control Functions and understand the potential impact on the credit portfolio of other types of risk – eg Market, Liquidity, Operating, Reputation, etc. Establish contacts with other LOB credit teams
- Possesses significant analytical and finance skills in order to underwrite, guide and help structure complex and/or difficult credit deals
7
Skills For Structured Credit Executive Resume
- Attention to detail and ability to consistently follow Credit Policy
- Ability and willingness to coach and train junior Capital Advisors
- Manager’s and client expectations
- Primary approval of annual reviews as well as new credit production
- Responsibility to make timely and prudent credit decisions in a high volume environment
- A close partnership with Credit Managers, Portfolio Management, and Client Managers
8
Skills For Gwim Structured Credit Executive Resume
- In-depth knowledge of CRE market conditions
- Identify sources of credit information, particularly financial data, and extract in preparation for analysis
- Liaise with customers both verbally and electronically in order to clarify and understand data
- Provide support to the business with the provision and maintenance of Customer Master Data, as used by us in the combat against Anti –Illicit Trade (AIT)
- Performance of adhoc projects as directed by the Credit Manager
- Work on own initiative, to deadlines, methodically & in an office environment
9
Skills For Credit Executive Resume
- Lead or work as part of a team to deliver both credit products and non-credit services to clients and prospects
- Underwrite and present loans for approval to the Senior Credit Administrator or Bank’s Senior Loan Committee
- Interface with Relationship Manager, Regional Vice President and Credit Administration to ensure credits fit within Bank’s credit risk appetite
- Other responsibilities include
- Recognize / communicate potential credit quality issues within the Bank
- Work as part of a team to deliver both credit products and non-credit services to clients and prospects
10
Skills For Asset Management Risk-credit Executive Resume
- Adhere to the bank's Risk Vision, and risk management policies and programs
- Recognize and proactively address risk (including but not limited to those associated with Bank Secrecy Act, anti-money laundering, consumer compliance, fair lending, fiduciary responsibilities, and privacy)
- Identify and appropriately manage risks
- Ensure top quality data input in all bank systems such as AFS, ESB, RACER, TOPS, RA, etc
- Adheres to the Bank's Risk Vision, and risk management policies and programs
- Recognizes and proactively addresses risk (including but not limited to those associated with Bank Secrecy Act, anti-money laundering, consumer compliance, fair lending, fiduciary responsibilities, and privacy)
- Identifies and appropriately manages risks
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