Credit Lead Resume Sample
Carol Stark
5516 Raleigh Light,
Dallas,
TX
+1 (555) 276 7285
Work Experience
Credit Team Lead
08/2017
-
PRESENT
Chicago, IL
- Proficient knowledge of various software programs, including word processing, spreadsheets, etc.
- Setup client and line of credit facilities in the credit systems while confirming that all required credit documentation is complete
- Produce quality documentation and edits, cross-regionally, on all standard and non standard loan types, including but not limited to: Unsecured, Real Estate (footprint and non-footprint states), Marketable Securities, and Business Assets and Titled Collateral
- Ensure compliance to Private Banking guidelines/policy and Lending Regulations (Reg Z)
- Use available resources to find, review, and set-up loan covenants, and use the information to prepare quality Covenant Agreements and Loan Agreements
- Review current and pending exceptions to covenant agreement terms that occur. Confirm their accuracy and proactively identify an appropriate resolution prior to escalation to extended team members to highlight to Underwriters and Bankers for resolution
- Ensure that credit risk recommendations and mitigations are implemented
- Partner with Capital Advisors and Analysts to capture terms and conditions stipulated in the credit approval and legal documentation into the corporate credit platform (via ARC)
- Coordinate all aspects of portfolio management on a daily basis including, but not limited to, maturing facilities, client annual reviews, unlinked outstandings, overlimits, temporary facility extensions or increases, document exceptions, covenant exceptions
Team Lead-credit Balance
09/2011
-
03/2017
New York, NY
- Manage market and LOB transfers as clients and facilities are moved to new markets or to other LOBs outside of PB
- Create Legal and the Credit File and Compliance Deal Folders for all facilities within Dealworks and file completed ARC proposals
- Able to manage things in the absence of the supervisor
- Lead the design, development and maintenance of predictive models for the consumer credit portfolio used for estimating probability of defaults (PD), loss given default (LGD) and exposure at default (EAD) based upon customer payment and delinquency behavior, credit profile and other portfolio and market dynamics
- Assist in the validation of VCI’s internal credit acquisitions scorecards though the use of KS-statistic (or similar metrics such as ROC curve, Gini coefficient and Divergence), population stability index (PSI), characteristic analysis and bad rate analysis; perform similar task on Collections’ behavior and recovery scorecards as needed
- As needed, assist the Consumer Credit Risk Portfolio Management team in analyzing credit risk data and emerging trends to develop, test and optimize risk factors related to credit and collection policies; also assist in validating and testing the effectiveness and the impact of credit policies and new products/programs on portfolio delinquencies and losses
- Assist the Commercial Credit Risk team in the development and management of the commercial portfolio’s dealer rating system including validation of model performance (i.e. PD forecasts and ability to rank-order accounts), model assumptions, update of seasonal indices and recalibration of models; support the Commercial Credit Risk team on future model updates and redevelopment
- Support VCI’s fair lending initiatives by providing technical assistance in the development or enhancement of existing fair lending processes and algorithms aimed at assessing the portfolio for potential disparate practices
Consumer Lending Consumer Credit Lead Specialist
04/2004
-
03/2011
Chicago, IL
- Assist the Risk Management Planning and Reporting group during Planning Rounds, Business Financial Reviews and quarterly report submissions to VWFS
- Serve as backup to the Lead Statistical Modeler – Residual Values
- As needed, participate in presentations before the Retail Credit Committee, Fair Lending Committee and Pricing Committee
- Periodic reviews of customer’s payment performance and credit facilities in cooperation with matrix managers
- Hold regular team meetings and individual 1-2-1’s
- Identify and leverage teammates’ strengths to maximize performance and development
- Strong leadership characteristics that enable the individual to maintain a clear structure of accountability across all aspects of valuation
- Developing skills within the team, identifying training and development areas for individuals
Education
National American University - Albuquerque Campus
1998 - 2003
Bachelor's Degree in Management
Professional Skills
- Excellent customer relations skills as a problem solver with a strong interest in resolving customer issues
- Prioritize to ensure deadlines are met Strong Communication Skills, both written and oral
- General Administrative/Technical Skills Excellent knowledge of commercial lending policies, procedures, practices and documentation
- Strong verbal and written communications skills.
- Strong analytical skills with high attention to detail required
- Demonstrates a strong leadership and focus on control. Ensuring integrity of reporting and independence of controls associated with critical function
- Experience working in a very fast-paced environment with strong multi-tasking required
How to write Credit Lead Resume
Credit Lead role is responsible for customer, training, credit, retail, finance, database, litigation, shipping, architecture, reporting.
To write great resume for credit lead job, your resume must include:
- Your contact information
- Work experience
- Education
- Skill listing
Contact Information For Credit Lead Resume
The section contact information is important in your credit lead 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 Lead Resume
The section work experience is an essential part of your credit lead 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 lead 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 lead position you're applying to.
The work experience section should be the detailed summary of your latest 3 or 4 positions.
Representative Credit Lead resume experience can include:
- Strong customer service skills; professional, courteous, friendly, and empathetic with a positive "can-do" attitude
- Work with compliance to ensure appropriate wall-crossing controls/disclaimers/NDA’s are in place prior to discussing with external counterparties
- Make outbound contact via phone, fax, or email to validate data; Receive incoming calls to verify requested information
- Accounts receivable and general accounting experience (managed at least 200 accounts)
- Assisting with the setting of the team’s agenda, direction, goals and objectives for the EMEA Equites Valuation Control Team
- Promoting the team’s development of innovative price testing methodologies globally
Education on a Credit Lead Resume
Make sure to make education a priority on your credit lead resume. If you’ve been working for a few years and have a few solid positions to show, put your education after your credit lead 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 Lead Resume
When listing skills on your credit lead 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 lead skills:
- Effectively manage the credit analyst performance by producing and monitoring system reports, to ensure that cash goals are met or exceeded
- Work Well Under Pressure; Detail Oriented, PC Skills, Capable of handling multiple functions, dependable
- Manage high volume/high pace work environment effectively
- Operational leadership experience - leading customer service teams including delivering customer centric results and achieving business goals is essential
- Experience in mentoring, coaching and providing functional leadership
- Assists more experienced personnel in using automated underwriting system
List of Typical Experience For a Credit Lead Resume
1
Experience For Credit Team Lead Resume
- Credit Assessment knowledge experience would be an advantage but not essential to perform in the role
- Administering day-to-day credit hold issues, customer billings and collections
- Manage sales tax exemption certificates, adjustments, and write offs to customer accounts including issuing check request for refunds
- Maintain customer data/files (billing addresses, phone and fax numbers and email addresses), cash receipt and sales audit files
- Maintain A/R database for statement codes, terms, etc
- Mail, email or fax invoices, statements, W-9's etc to customers upon request
2
Experience For Team Lead-credit Balance Resume
- Risk Management within agreed Risk appetite
- Certificate 4 Qualification in Operations Management would be ideal but not essential
- Leads, coordinates, provides assistance and guidance, trains, mentors and monitors the work and performance of the assigned teams of credit analysts
- Assists the global credit managers in overseeing and coordinating the day-to-day activities of the teams and works closely with the credit team on credit related issues
- Makes recommendations to regional Credit Manager and credit team for process improvements
- Maintains a portfolio of accounts ensuring goals and metrics are achieved. Complete monthly cash collection forecasting and past due reporting on a portfolio of accounts
3
Experience For Local Credit Lead Resume
- Partners with the Business to better understand markets and customer base
- Second reviews are completed for high end closings by a senior processor or Supervisor
- Continue follow up until errors are resolved. Escalate to next level management as applicable
- Multi task and work in a fast paced team environment
- Establish rapport with bankers and customers and help drive the fulfillment of loan requests
- Participate in our new hire training and development, be involved in the more advanced special projects available to our team, and step in for supervisors temporarily during meetings
4
Experience For Consumer Lending Consumer Credit Lead Specialist Resume
- Meet industry standard production and quality targets
- Review consent forms to ensure accuracy
- Electronically document data after each inquiry
- Adhere to all Regulatory and Compliance requirements
- Meet or exceeds all SLAs for problem resolution. As appropriate, recommend improvements to taxonomy or SLAs or communications to the sales force
- Perform data research and documentation of information requested (i.e. addresses, phone numbers, and companies names
- Supervision of the Credit team in execution of policies and processes
- Be the lead point of contact to ensure credit function is smooth in operations
- Lead role task to its credit officers but not limited to planning of individual and team development, coaching, monitoring, improve and keep the team to be engaged
List of Typical Skills For a Credit Lead Resume
1
Skills For Credit Team Lead Resume
- Empathy, Natural leadership skills, excellent oral and written communication, business acumen, project skills, results driven, etc..
- A helpful and friendly attitude coupled with the ability to coach effectively
- Work independently, effectively, and efficiently
- Strong knowledge and ability to analyze financial statements, tax returns and collateral from a perspective
- Progressive credit experience required
- Experience with ERP system, Enterprise One (E1)
- Understanding the inner workings of Citi’s architecture including data, processes, systems / infrastructure and technology
- Backing of one of the most successful community focused banks in the western U. S
2
Skills For Team Lead-credit Balance Resume
- Processing of home equity or mortgage applications
- Proficient in analyzing client financial statements and interpreting credit reporting data (i.e. D&B/Experian reports)
- Generous employee benefits, including immediate vesting of 401K match
- Ensure the accounts are being maintained in as current position as possible
- Review all internal/external credit information available before releasing credit review orders
3
Skills For Local Credit Lead Resume
- Insure that department and the appropriate company policies and procedures are being followed
- PC literacy required-proficient in Microsoft Office products including Excel
- Analyze and audit and account for all billing activity
- Provide constructive feedback and proper training for employees to reach desired goals and recognize contributions
- Inspires and empowers team and individuals
- Responsible for the day to day management of a team of Credit Analysts
- Contact customers for payment and chargeback information as needed
- Prepare reports and other documentation needed to monitor account activity of accounts
4
Skills For Consumer Lending Consumer Credit Lead Specialist Resume
- Apply payments and reconcile chargeback/credit memo discrepancies
- Monitor accounts to warrant collectability
- Review all information available and establish a comparative credit line
- Work closely with other departments to resolve customer issues that result in non-payment
- Provide written correspondence to delinquent accounts in effort to collect
- Excellent working knowledge of Microsoft Office (Word, Outlook, Excel). Excellent working knowledge of other software used for analysis such as MFA and Tax Analysis
- National Banking Division Generally targets companies with sales of $25 million or higher
5
Skills For Team Lead-am Credit Center Quality Resume
- Agribusiness Banking Division Real Estate Industries Division Equipment Finance Division Asset Based Lending Division This is the ABL Product Manager entry level role and provides individuals the opportunity to grow the skill set required for a career in ABL
- This ABL Credit Analyst position is assumed to be part of the career path for future Product Manager or Underwriting position
- Some knowledge of collateral exam and liquidation process
- Decisions typically more complex RCS applications
- Provides direction, technical guidance, and answers questions as needed
- Checks contract and specific account terms, communicates with account management, merchant services, account system vendor and other internal and external personnel to obtain information
- Researches applicable policies, consults with supervision if needed to evaluate situations, decides on correct responses and communicates answers to customers. Authorizes finance and other charge givebacks when appropriate and within limits of authority
6
Skills For NA Cborc Credit Bureau Utility Lead Resume
- Reviews and evaluates findings and results presented by underwriting system
- Communicates credit decisions to merchants and customers within designated timeframes
- Ensure full compliance to CAN Enterprise Credit Policy and Location Credit Policy
- Proficiency in Microsoft Office, excel, internet, keyboard
- A track record of exceptional attendance and punctuality
- Proficient in relevant computer applications (PC. Word, Excel, Microsoft Office, Power Point)
- Responsible for applying the company’s credit policies, practices, and procedures to resolve credit issues and set proper credit limits resulting in well informed business decisions that significantly affect customer relationships and economic earnings.
- Understand Grainger’s core business
7
Skills For Senior Lead CBG Credit Prod Ofc Resume
- Credit management systems and ERP’s
- Active role as part of the broader regional and global product control senior management team
- Interpret contracts to determine if charges were paid under the correct contract
- Remain current with regulatory and contractual requirements
- Facilitate customer service and operational training and assist in creating training seminars, desktop procedures, and meeting agendas with high emphasis on credit card products
- Working with contracted recording vendors and Bank’s Legal Department to resolve over encumbered recordings
- Together with Relationship Manager, takes primary responsibility for managing credit needs of a portfolio of 25 or more commercial banking relationships providing consultative underwriting advice, credit analysis and on-gong monitoring of credit products and services to meet customer's needs and minimize credit losses to the Bank
8
Skills For Lead Credit Structurer Resume
- Leading the team to deliver and achieve plan
- Driving continuous improvement of processes to optimise team performance
- Leading the desired enterprise culture within function/team
- Assist Credit Manager in creating and monitoring delinquency reporting for the department
- Release orders to manufacturing and shipping based on customers account status. Place customers on production and/or shipping hold status
- Train staff on all system and process changes and assist with documenting procedures and policies for divisions and A/R computer applications
- Monitor existing customers with authority to revoke terms or change credit limits
- Prepare all closing documents via CMSI for Home Equity, Auto, Unsecured, and CD/Savings Secured loan products that are scheduled to close next day
9
Skills For Lead, Credit Liaison Resume
- Rush Closing requests are completed as they come in to our Rescue database
- Complete funding for all closings as applicable on Funds Available date or the same day errors are resolved
- Follow-up for any errors found during Review Process
- Review faxed supporting documents by 3:00 p.m. on day received to ensure application moves through the approval process
- Independently research, request and track employment verification from employers of our applicants and once complete forwards to our underwriting team
- Attend all required training and reads all internal communications to be up-to-date on all changes in bank products and known systems errors or incidents
- Follow-up for any errors found during Review Process. Continue follow up until errors are resolved. Escalate to next level management as applicable
- Track and monitor Collection Agency accounts, Litigation and Bankruptcies
- Act as knowledge leader for current and future system implementations and acquisitions
10
Skills For Letter of Credit Lead Resume
- Monitor customer complaints. Build relationships with internal customers as an escalation step to complaint/exception resolution
- Obtain and review financial statements, information from D&B, and customer provided credit application
- Analyze data to approve or deny customer credit, assign credit terms and dollar limits and communicate credit status to customers and divisions
- Monitors and reports on productivity and performance of the department
- Negotiate payment schedules with delinquent customers; and/or restrict, suspend, or terminate additional orders and shipments to such customers
- Import sales into A/R sub-ledger from divisions for general ledger accounting. Act as audit control for balancing daily sales which indirectly affects the corporation's profit and loss statements
- Directly work with division customer service, sales managers, production and shipping staff to track customer complaints, claims, and disputes for resolution and collection
- Maintain records of credit reviews, diaries of oral communications and copies of correspondence with customers regarding delinquencies, claims, disputes, and agreements for resolution and action taken
- Strong team player along with the ability to work autonomously
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