Credit Portfolio Manager Resume Sample
Adrianna Bergstrom
434 Lesch Roads,
Boston,
MA
+1 (555) 589 8301
Work Experience
Credit Portfolio Manager
04/2018
-
PRESENT
Boston, MA
- Monitors the asset quality and administrative functions of assigned portfolio to identify potential risk areas and address accordingly
- Reviews new customer setup requests for credit approval based on available research information through Dunn & Bradstreet, EDGAR/SEC filings, Bloomberg, Lexis Nexis, Equifax, Experian, etc. to ensure only qualified debtors are approved and appropriate credit limit is set
- Performs annual client reviews (re-CAM) for existing relationships to analyze creditworthiness, identify key credit issues, and prepare full written analysis
- Identifies, recommends, and implements strategies to best reduce the risk of loss to the company in deteriorating client situations and upon review, recommends risk rating changes
- Participates in weekly Credit and Debtor meetings for assigned relationships, in conjunction with the service team members, to coordinate and discuss potential escalating credit issues
- Monitors interim financial statements and trends within the industry relative to debtors in the portfolio to proactively identify any risk areas for mitigating action plans or continued monitoring
- Assists or directs less experienced peers from time to time to ensure quality and quantity of work is performed
- Experience in Experience in banking/finance/accounting environment with emphasis on commercial credit
- Possesses flexibility to work in a fast paced, dynamic environment
Senior Credit Portfolio Manager
04/2011
-
10/2017
Phoenix, AZ
- Collects all necessary client prepared information and completes client financial statement spreadsheets and projections of client’s financial condition
- Researches and analyzes pertinent financial statements. Evaluates an organization’s stability, aptitude of management, and creditworthiness. Prepares and presents written credit memoranda for credit approval and then provides periodic updates of client credit quality to Credit Risk Management
- Coordinates preparation and execution of legal documentation and monitors covenant compliance
- Work closely with cross functional teams, including country/region’s business stakeholders, model validation and governance teams, and model implementation team
- Experience in performing quantitative analysis, model documentation, and segmentation analysis
- Possess experience in credit card and/or residential mortgage risk management
- Experience in credit risk portfolio analytics and a track record for driving optimal decisions through use of data
- Capability to use data analytical manipulation tools e.g. SAS, R, Tableau
- Demonstrated relationship skills with the ability to influence and negotiate with senior management, clients, legal advisors and insolvency practitioners
Fixed Income IG Credit Portfolio Manager
06/2006
-
12/2010
Phoenix, AZ
- Able to add value directly to client and coverage in articulating Regions’ underwriting methods, processes and risk appetite for specific debt products
- Maintains market knowledge of loan pricing and structural trends to match client needs with Regions’ debt product solutions
- Calls jointly on clients with coverage bankers to understand clients’ needs and specific risks to client business
- Structure and underwrite credit facilities for all assigned credit relationships and intercompany credit facilities within agreed time frames
- Prepare written credit approval requests and present them verbally to credit approval committees. Presentation content is to be clear and relevant; delivery is confident, knowledgeable and conversational in tone
- Honestly and thoughtfully responds to questions with follow-up completed on open issues within two business days. Reviews, analyses, and monitoring are to reflect a risk-based approach to credit
- Ensure credit requests are handled appropriately such that (1) all facilities are analyzed/reviewed and brought to credit committee at least annually; (2) all Watch List credits are reviewed at least quarterly; and (3) all credit requests are completed in a timely manner, and distributed to credit committee at least two days before the committee meets
- Manage individual client exposure levels based on exposure guidelines and client risk profiles in consultation with relationship managers and Corporate & Institutional Services Risk Management to appropriately maximize the risk return relationship
Education
Southwest Minnesota State University
2001 - 2005
Bachelor's Degree in Mathematics
Professional Skills
- Experience in analyzing the impact of proposed and executed risk mitigation transactions on the risk and return characteristics of the credit portfolio in conjunction with quantitative analytics and capital markets teams
- Demonstrated risk budgeting experience. Track record as a risk taker that demonstrates clear investment skill
- Strong investment grade credit and portfolio management skills. Ability to make investment decisions that are supported by rigorous analysis
- Intermediate PC skills including standard Microsoft Office products and database applications
- Fundamental credit analysis skills
- Demonstrated success structuring complex credits, researching, evaluating, and presenting information in a clear and concise manner
- Related portfolio management or underwriting experience in reviewing and underwriting moderately complex CRE credit requests
How to write Credit Portfolio Manager Resume
Credit Portfolio Manager role is responsible for credit, analysis, risk, database, finance, education, training, security, accounting, trading.
To write great resume for credit portfolio manager job, your resume must include:
- Your contact information
- Work experience
- Education
- Skill listing
Contact Information For Credit Portfolio Manager Resume
The section contact information is important in your credit portfolio manager 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 Portfolio Manager Resume
The section work experience is an essential part of your credit portfolio manager 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 portfolio manager 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 portfolio manager position you're applying to.
The work experience section should be the detailed summary of your latest 3 or 4 positions.
Representative Credit Portfolio Manager resume experience can include:
- Demonstrate a clear understanding of Old National Bank policies and procedures
- Prioritize and manage multiple tasks and bring projects to completion in a timely manner
- Managing a group of analysts within the GIRM/ FIRM space for one of the industry teams (Hiring, Training, performance management, evaluation and monitoring)
- Demonstrable understanding of liability-driven investing and client fund investing
- Maintain data integrity while updating and maintaining the relevant credit and trading systems through the assessment life cycle
- Responsible for managing annual reviews, renewals, and portfolio tracking
Education on a Credit Portfolio Manager Resume
Make sure to make education a priority on your credit portfolio manager resume. If you’ve been working for a few years and have a few solid positions to show, put your education after your credit portfolio manager 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 Portfolio Manager Resume
When listing skills on your credit portfolio manager 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 portfolio manager skills:
- Detail oriented with strong technical skills, knowledge, and abilities
- Effectively communicate complex investment ideas and strategies
- Strong understanding of relative value investing
- SQL and/or SAS programming experience
- Demonstrated success working in a collaborative team environment
- Good understanding of financial products’ environment
List of Typical Experience For a Credit Portfolio Manager Resume
1
Experience For Senior Credit Portfolio Manager Resume
- Update new credit ratings and open lines of credit
- Review and sign-off risk assessments up to $600mn for medium-low risk/value customers
- Provide research and analysis to help identify risk and drive strategy that focuses on the external market and macro environment
- Partner with commercial credit and the business stakeholders through delivery of credit advice, provide interpretation of policy and guide the businesses on the principles of sound credit management
- Keep up-to-date on issues within the businesses through close relationships with the commercial credit and sales managers
- Collect information from industry sources for new business proposals
2
Experience For Fixed Income Credit Portfolio Manager, VP Resume
- Work with the trading underwriters to build strong external networks and relationships with 3rd party rating agencies and banks to ensure delivery of robust credit risk assessments
- Present new ideas for continuous improvement to the credit assessment process
- Coach and mentor analyst in the Houston team and provide guidance to ensure delivery of best-in-class credit re-assessments
- Work collaboratively with the applicable CPM Research teams and contribute perspective for anticipated drivers of supply and demand, valuation trends and capital flows
- Conduct new/material change in FMI membership reviews, and NPAC/regulatory capital reviews, support PSRM EMEA & APAC Heads, RM’s & Product Managers as needed for new or material change in memberships or credit risks taken to a FMI
3
Experience For Fixed Income IG Credit Portfolio Manager Resume
- Review updated FMI/Legal Questionnaires and revise Risk Summaries that are 3/5 years old
- Prepare/work with the relevant credit officer on credit reviews for EMEA/APAC FMIs
- Provide PSRM (Industry specialist) Co-Approvals for Facilities to EMEA/APAC FMIs
- Conduct credit assessments
- Gathers financial and general business information pertaining to customer and prospect loan requests, performs financial analyses needed to make credit decisions; Contributes and provides input to group loan decision process based on evaluation of credit risk and other key factors; Supports commercial banking team and recommends credit solutions that add value to the Customer
- Understands customized lending consumer disclosure process and ensures continuous adherence to established practices and ongoing compliance with changes in regulations. Keeps updated on all regulatory guidance/changes, and insures that Bank of The West’s customized lending approach meets regulations for Fair Lending, Reg Z, Qualified Mortgage/Ability to Repay guidelines
List of Typical Skills For a Credit Portfolio Manager Resume
1
Skills For Senior Credit Portfolio Manager Resume
- Demonstrated credit and financial analysis skills
- Credit product experience
- Strong market presence with wide network of outside referral sources for new business
- Functions as a resource for business lines and works with senior management on various issues; managing expectations and negotiating timelines
- Manages activities by creating and maintaining quantifiable service level standards against business performance
- Familiarity with franchise auto dealer financial statements, floorplan credit structure and monitoring
2
Skills For Fixed Income Credit Portfolio Manager, VP Resume
- Implements appropriate pricing and covenants on credit facilities and monitors covenant compliance
- Acts as a consultant to business lines regarding credit issues, processes and procedures
- Partners with Lending/Credit Officers to address exceptions identified by internal/external auditors and/or examiners
- Build credit portfolios for the relevant portfolios and execute the trading activity with clear respect for mandate requirements
- Thorough understanding of fixed income portfolio management
- Approves credit based on lending authority
3
Skills For Fixed Income IG Credit Portfolio Manager Resume
- Evaluate high risk for new and existing business through credit terms such as: secured/unsecured, amount of open credit lines
- Communicate the credit assessments and outcome to relevant stakeholders, commercial credit managers and the trading commercial business
- Comfortable with legal and regulatory issues PC literate – Excel/Word
- High level of initiative and team orientation. Humility and ability to thrive in a highly collaborative, global team environment
- Demonstrated proficiency in completing credit analysis and reviews typically associated with 3 years of financial services experience with banking products or commercial portfolio management
4
Skills For European Credit Portfolio Manager Resume
- Completion of Commercial Associate Program or equivalent experience
- Fully proficient in STI credit systems and processes
- Manages credit product risk and profitability for a portfolio of credit clients and monitors loan performance to ensure that loan quality adheres to guidelines
- Researches and analyzes pertinent financial statements. Evaluates a borrower’s stability, aptitude of management, and creditworthiness. Prepares and presents written credit memoranda for credit approval
- In financial analysis
- Manages credit risk and profitability for a portfolio of credit clients and monitors loan performance to ensure that loan quality adheres to guidelines
- Problem solve in more complex situations
5
Skills For Senior International Credit Portfolio Manager Resume
- Works on larger, more complex deals, mainly focused on Middle Market
- Performs periodic inspections at Customer sites to audit accounts and ensure adherence to loan agreements and terms. Takes appropriate action as necessary to correct deficiencies
- Provides training or instruction to less experienced
- Coordinates with Account and Relationship Managers to perform routine financial analyses and credit investigations
- Manages and oversees workflow and adherence to policy for department
6
Skills For Gcg-senior Credit & Portfolio Manager Resume
- Participates in organizational cost benefit analysis and implementation
- Ensures timeliness of information and efficiency in process and workflow
- Maintains confidentiality of credit and customer information at all times
- Manages credit product risk and profitability
- Where applicable, understand and track the composition of each syndicated credit bank group and the services provided by each bank
- Monitor clients and portfolios for changes in risk and update management on key issues that impact overall credit quality
- Maintain organized, current credit files for assigned clients
7
Skills For European Credit Portfolio Manager VP Resume
- Timely complete New Client Take On risk assessments as required
- Maintain general sector allocations and consistency with the group’s portfolio strategy. Invest daily client subscriptions and ensure redemptions are dealt with in an efficient manner
- Work closely with the team’s product specialists to support smooth on-boarding process and account activation for all new mandates and generating reports and analysis for client queries
- Contribute to the performance of Zurich Life’s existing multi-asset and bond funds which aim for strong performance in the marketplace including versus peers
- Demonstrate security analysis capabilities
- Experience in direct management of credit portfolios preferably in an insurance company or asset manager
- Experience of liability-driven and third-party client portfolios
- Strong knowledge of credit asset universe
- Partner with CRE Relationship Managers to prioritize credit requests and meet with clients as appropriate
8
Skills For Credit & Portfolio Manager / Girm Firm Resume
- Contribute to existing liability-driven portfolios through improved risk-adjusted asset returns
- Contribute to existing and new asset-driven propositions
- Contribute to the in-house team’s asset allocation group which drives asset allocation in its multi-asset portfolios
- Interact with Zurich Group’s other credit teams in terms of credit sector and security analysis
- Contribute to written or verbal commentary for investment committees or advisors and clients as required
9
Skills For Portfolio Solutions Group Credit Portfolio Manager Resume
- CFA charter-holder status is preferable
- Track record of direct management of credit portfolios
- Proficient in standard investment management tools such as Bloomberg and Excel
- Coordination and communication with GIRM/ FIRM industry units
- Work closely with existing Portfolio Managers on portfolio strategy and risk management, as well as monitoring and analyzing credit exposures in client portfolios. Partner closely with other members of the Fixed Income team including Research Analysts and Traders
- Interact regularly with clients to provide performance updates and market outlooks
- Responsible for underwriting quality and portfolio administration. Manage risk in assigned portfolio by monitoring customer credit worthiness, adherence to loan terms, and general economic conditions
10
Skills For Credit Portfolio Manager Resume
- Attend industry/networking functions when able and be a positive advocate for Old National Bank
- Proficient in Microsoft Office and Moody’s Risk Analyst
- Identify and analyze credit risks or events which might pose as a risk, provide an opportunity to trading or that could be of action to key stakeholders, decision making body such as the credit committee
- Act as a liaison between the commercial credit and the business to understand risks and reward metrics
- Deliver credit assessment at the credit committee level and other forums where approval is required
Related to Credit Portfolio Manager Resume Samples
Credit & Collection Resume Sample
Work Experience
• Ten or more years prior experience required, preferably in different environments as Healthcare, Retail, B2C, large and small commercial, and B2B industries
• Proven track record of optimizing portfolio risk and minimizing bad debt by establishing intelligent collections processes, thus reducing A/...
Professional Skills
• Customer oriented, strong negotiating skills
• Any combination of Education, Experience a...
• Excellent written and verbal communication...
Credit Portfolio Group Resume Sample
Work Experience
• The position manages Issuer Fiduciary reporting requirements and ensures the Issuer Fiduciary Head is fully apprised of Issuers’ Fiduciary Business status to present same to the Global Issuers’ Fiduciary Committee
• Deep understanding of business and associated risk (credit and product) in Trade - ...
Professional Skills
• Good basic programming skills – VBA or oth...
• Understand financial accounting, experienc...
• Understand financial accounting, experienc...
Manager Credit Resume Sample
Work Experience
• Perform quarterly testing of the Exceeds Authority function within CARM by reviewing a selection of credit applications and confirming they have been approved within discretionary lending limits
• Coordinate the preparation of CRRI’s quarterly reporting to the Bank’s Audit & Risk Committee on b...
Professional Skills
• Strong numeracy skills, analytical and pro...
• Excellent time management skills & excelle...
• Demonstrated writing/oral communication an...
Credit Portfolio Group Resume Sample
Work Experience
• The position manages Issuer Fiduciary reporting requirements and ensures the Issuer Fiduciary Head is fully apprised of Issuers’ Fiduciary Business status to present same to the Global Issuers’ Fiduciary Committee
• Deep understanding of business and associated risk (credit and product) in Trade - ...
Professional Skills
• Good basic programming skills – VBA or oth...
• Understand financial accounting, experienc...
• Understand financial accounting, experienc...
VP-credit Resume Sample
Work Experience
• Assist in the Firm’s communication with regulators regarding Credit related issues
• Manage SBA underwriting staff to efficiently review/ structure SBA opportunities and underwrite SBA loan request utilizing their knowledge of Wintrust loan policies, SBA Eligibility requirements and sound credit an...
Professional Skills
• Experience in unsecured lending with focus...
• Work independently with the ability to dev...
• MBA or CFA are required
Loss Mitigation Resume Sample
Work Experience
• Experience: At least 4 years’ of Auto Finance experience, including experience that demonstrates effective customer service skills
• Manage the daily performance, quality adherence and workout production of the Loss Mitigation Underwriting and New Application Setup Team (Staging)
• ...
Professional Skills
• Demonstrates strong reporting and analytic...
• Strong skip-tracing skills and collection ...
• Utilize your excellent listening, oral, an...