Credit Risk Manager Resume Sample
Adrianna Gottlieb
41128 Graham Prairie,
Los Angeles,
CA
+1 (555) 801 8383
Work Experience
Credit Risk Manager
11/2015
-
PRESENT
Dallas, TX
- Participate in the coordinated efforts to prepare for internal and external audits/regulators
- 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
- Completes credit actions (annual family credit reviews) summarizing the financial analysis completed on a client’s portfolio including recommendations for future business
- Credit and financial analysis experience
- 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
- Develop strong relationships between enterprise credit and all of the operating companies within Exelon with a focus on BGE
- Strong and respected collaboration with the utility credit peer group
Senior Credit Risk Manager
05/2013
-
06/2015
Dallas, TX
- Management and monitoring of the third party collection process
- Support Credit leadership in managing counterparty/customer limits and exposure monitoring to maintain compliance with credit policy and specific counterparty credit terms
- Negotiate credit terms and conditions, participate in conference calls to assess counterparty credit worthiness, perform customer visits, where applicable
- Alert management of early warning signals of potential high risk counterparties / customers and assist in risk mitigation activities
- Maintain Credit data system and reporting integrity
- Rigorously follow the credit process in all transactions and derive creative solutions and structures in managing multiple risks associated with a multi-billion dollar portfolio
- Assist in the development and implementation of an enterprise credit aggregation tool or system
- 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
Credit / Risk Manager
03/2010
-
01/2013
Houston, TX
- Proactively identifies reporting gaps and process improvement opportunities to support the group’s strong risk management culture
- Monitoring credit exposure created by trading activity and providing exposure summaries for management
- Conducting counterparty credit assessments/analyses and maintaining appropriate file documentation
- Design and implement credit origination strategies using innovative underwriting concepts in a non-prime retail lending environment
- Manage, motivate, communicate effectively and positively influence the collaborative process with direct staff, key cross-functional partners and senior leadership
- Manage directly or act as a strong individual contributor, team’s application of, quantitative methods in analyzing customer data regarding credit underwriting (profitability, risk, credit policy constraints, champion/challenger testing, etc.)
- Collaborate with Credit Finance to complete credit portfolio performance forecasts including analyzing critical forecast assumptions, key credit metrics and related risks and opportunities
- Stay abreast of emerging industry trends in the credit, payment and retail lending space and use knowledge to advance concepts and application within Bluestem processes
Education
California State University, San Bernardino - Palm Desert Campus
2005 - 2010
Bachelor's Degree in Finance
Professional Skills
- Strong technical skill, highly proficient SAS/SQL, excel skills
- Credit modelling skills, including experience of using analytical tools e.g. Alteryx
- Communicate clearly and precisely on technical and business topics, effective collaboration skills to work effectively with other departments
- Proven Credit Risk experience
- Power point and presentation skills
- Banking/credit experience
- Experience working in a data analytics role
How to write Credit Risk Manager Resume
Credit Risk Manager role is responsible for credit, analytical, financial, business, negotiation, risk, sound, microsoft, communications, interpersonal.
To write great resume for credit risk manager job, your resume must include:
- Your contact information
- Work experience
- Education
- Skill listing
Contact Information For Credit Risk Manager Resume
The section contact information is important in your credit risk 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 Risk Manager Resume
The section work experience is an essential part of your credit risk 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 risk 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 risk manager position you're applying to.
The work experience section should be the detailed summary of your latest 3 or 4 positions.
Representative Credit Risk Manager resume experience can include:
- Excellent problem solving and negotiation skills to effectively interact with internal and external customers
- Good experience / skills in credit analysis, problem solving and verbal / written communication
- Demonstrated ability to lead and/or interact with deal teams; strong communication and presentation skills
- Strong problem solving, negotiation decision making and multi tasking skills
- Sophisticated analytical skills including extensive experience in analyzing financial statements
- Demonstrated financial modelling and analytical skills
Education on a Credit Risk Manager Resume
Make sure to make education a priority on your credit risk 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 risk 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 Risk Manager Resume
When listing skills on your credit risk 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 risk manager skills:
- Demonstrate strong verbal and written communication skills, organization, planning, prioritization and detail orientation skills
- Strong analytical, problem-solving skills and cash flow modeling skills
- Client Focus: Applying functional skills; acquiring and sharing knowledge; strengthening skills and capabilities; linking expertise to business strategy
- Excellent stakeholder management skills and ability to instill a strong and disciplined credit culture through coaching and guiding the business teams
- Strong organizational, analytical, research and problem-solving skills to evaluate situations, make recommendations and take prompt, effective action
- Client Focus: Applying functional skills; acquiring and sharing knowledge; improving skills and capabilities; linking expertise to business strategy
List of Typical Experience For a Credit Risk Manager Resume
1
Experience For Senior Credit Risk Manager Resume
- Excellent organizational, problem solving, analytical and negotiation skills
- Strong analytical and problem solving skills with customer service oriented approach
- Excellent analytical (both from credit and quantitative perspectives) and writing skills
- Outstanding organizational, interpersonel and communication skills in Turkish and English
- Credit analysis/portfolio management experience or equivalent, including 3 years direct acquirer experience
2
Experience For Global Credit Risk Manager Resume
- Experience in Rating and Scoring modeling
- Assist in the loss forecasting process, forecasting model development, validation, performance monitoring and model improvement
- Commercial lending experience, including underwriting and/or approval of credit exposures
- Proven ability to quickly adapt to rapidly changing contexts while maintaining quality and timelines
- Proven understanding of credit analysis and underwriting principals
3
Experience For Credit / Risk Manager Resume
- Strong understanding of retail & corporate credit or leasing process & documentation
- Experience with predictive scorecards, including data analysis as well as understanding of statistical performance indicators
- Prior knowledge of Risk Management in the Acquiring industry
- Experience in banking, internal controls, audit, or risk management
- Commercial and/or Real Estate Lending or Credit Administration experience desired
- Comfortable with high-pressured environment and can manage multiple priorities
- 5 – 7 years supervisory experience
- Establish solid cross functional partnerships and networks to contribute and execute cross functional and business initiatives
- Proven track record to apply credit and risk principles towards business objectives
4
Experience For Counterparty Credit Risk Manager Resume
- Strong understanding of large corporations and well-versed in traditional banking and trade products, as well as treasury and more complex solutions
- Constant communication and build strong working relationships with the Commercial Team, Sales Admin Team, and all credit team members
- Strong customer focus. Sound business judgment; Ability to set and meet challenging targets. Team player
- Experience in working with data and data manipulation tools
- Monitoring of FMU due diligence, reporting on exceptions to accepted Bank standards and escalation of issues to the FMU Risk Committee
- Ensuring adherence to overall governance framework including policies and procedures
- Generating automatic risk reports for different committees, using SAS or SQL
5
Experience For VP, Wholesale Credit Risk Manager Resume
- Continuing analysis and monitoring of model assumptions and statistical uncertainty associated with both assumptions and model output
- Reviewing and analyzing performance trends in new loan book, as well as the SB Lines & Loans portfolio
- Building and presenting performance dashboards with risk metrics to evaluate program performance within expectations
- Submitting and analyse retrospective bureau data
- Working closely with leaders on the development and roll out of new products and services
- Building relationships with key stakeholders across the bank
- Formulating supplementary credit policies specific to business or countries under his/her responsibility
- Participating in credit product/program review and approval process
6
Experience For VP Credit Risk Manager Fmcg Resume
- Working knowledge consumer credit risk management required
- Maintain and review credit rating policy. Initiate cascading session to ensure all stakeholders have clear understanding of the rating requirements
- Conduct risk, financial and data analysis including profiling, sampling, and quality testing
- Develop underwriting and pricing strategy for auto refinance through collaboration with Marketing, Loss forecasting, Product, Operation and Investor team
- In-depth understanding of banking and lending practices, financial analysis, accounting rules and credit products
- Thorough understanding of Commercial Lending which includes both sound lending practices and the bank’s lending guidelines
- Perform periodic analysis on bank’s Credit RWA including rating migration, stale rating etc
- Manage the credit risk related regulatory reporting produced by Banking Financial Control, including but not limited to FinRep
7
Experience For MF Credit Risk Manager Resume
- Leadership, training, developing and mentoring of direct reports
- Ethical: Adhering to the code of conduct; acting responsibly; protecting the reputation of the bank
- Quickly develops complex financial models (including income, balance sheet and cash flow statements, breakeven analysis and multivariable sensitivity testing)
- Own emerging risk, risk register and accepted risk reporting for Credit Risk across the division
- Contribute to the production of regular and ad-hoc risk reporting covering structured Life & Health and Property & Casualty transactions
- Assist with project management, managing the transaction review pipeline, coordinating with various internal and external stakeholders
- Knowledge of portfolio forecasting, modeling and use of scorecards, and familiarity with risk policies and procedures
- Evaluate portfolio performance under stress conditions, including conduct stress testing
8
Experience For Credit Risk Manager for Credit Cards Resume
- Comprehensive understanding of operational risk management frameworks, including applicable regulatory guidance
- Develop & execute risk taking strategies according to DFS commercial targets in compliance with local & global credit risk rules & guidelines,
- Set, monitor and adjust scoring and rating policies and business policy rules
- Oversee credit vetting of all new & existing business proposals (SME, Commercial and Corporate)
- Maintain an in-depth understanding of all the components, changes as well as final outputs of entire loss forecasting process
- Strategy modeling, project & change management, driving business value and performance
- Advanced competency in Financial Planning and Analysis, Influencing business decisions
- PC proficiency utilizing a variety of software including the Microsoft Word, Excel, Powerpoint, etc
9
Experience For Americas Credit Risk Manager Resume
- Collect data through designing experiments and utilize quantitative research methods to convert the data into actionable recommendations
- Deliver industry best practices, tools, guidance, and training to increase analytical capabilities and throughput
- Ensure credit underwriting systems are built and are aligned to properly assess risks across all company business lines
- Review of risk rating assumptions and determinations
- Prepares peer group comparisons from both a business and a financial perspective in support of the risk rating recommendation
10
Experience For CSL Credit Risk Manager Resume
- Participate in marketing calls, when necessary, with the RMs/Division Head
- Establish, in conjunction with the RMs, a process to monitor the credit risk of outstanding limits and exposure, and review the process from time to time
- Preparation and submission of Bank’s Credit RWA under Basel II Pillar 1 reporting
- Lead the provision of high quality standard monthly reporting to CBIF executive and governance forums supported by robust analysis and commentary
- Responsible for the day to day monitoring of clients/accounts
- Provides monthly reporting on Risk Mitigation results
- Identify and measure credit risk in bespoke structured transactions and recommend credit risk-taking appetite
List of Typical Skills For a Credit Risk Manager Resume
1
Skills For Senior Credit Risk Manager Resume
- Strong accounting and financial reporting skills
- Strong customer service, interpersonal and influencing skills
- Strong customer service interpersonal and influencing skills
- Strong communication skills. Able to clearly express complex ideas, analysis and processes to internal and external stakeholders
- Solution orientated team player with strong credit risk management knowledge and skills
- Excellent analytic and quantitative skills. Proficient in Word, Excel, PowerPoint
2
Skills For Global Credit Risk Manager Resume
- Experience developing and maintain strong working relationships with colleagues, peers and senior management
- Three or more years of experience in data analysis activities, including experience with query/analysis applications (SAS, SQL, etc.)
- Financial analysis, analytical skills specific to real estate operating statements
- Prior mortgage and consumer loan underwriting experience
- PC skills including knowledge of applications within Microsoft Office
3
Skills For Credit / Risk Manager Resume
- Exceptional collaboration and leadership/decision making skills
- Strong writing and analytical skill
- Fluent in English, both written and oral. Other relevant language skills are desirable, but not a requirement
- Well developed verbal and written communication/presentation skills
- Proven experience and competency in relationship and project management
- Strong knowledge of, and experience in, credit analysis as well as treasury products
- Experience in risk or other relevant capital markets experience
- High standard of Excel and skills
- Strong knowledge and experience in credit analysis
4
Skills For Counterparty Credit Risk Manager Resume
- Highly numerate with a good understanding of credit risk methodologies, with experience of credit risk and portfolio analysis
- Financial analysis, analytical skills specific to operating statements
- Intermediate to advanced skills with SAS and/or other data analysis tools
- Solid experience in credit approval is required
- Advanced computer skills in Excel, Word, PowerPoint, required
- Collaboration: Working within and across teams and functions; communicating effectively; resolving conflicts; negotiating skilfully in pursuit of common goals
- Client Focus: Applying functional skills; acquiring and sharing knowledge
- Creating the risk data structure used for modelling, validation and reporting
5
Skills For VP, Wholesale Credit Risk Manager Resume
- Performing reconciliation and validation routines across all deliverables
- Credit risk experience esp if in emerging markets esp in companies dealing with physical commodities supply chain and facing China
- Perform ongoing analyses and oversight of external benchmarking and Economic trending to ensure strategies are effective and competitive
- Commercial lending experience, including underwriting and/or approval of credit exposures
- Experience designing, implementing and overseeing risk frameworks
6
Skills For VP Credit Risk Manager Fmcg Resume
- Education includes demonstrated knowledge in an analytic field including engineering, mathematics, and statistics
- Experience of working in ‘business partnering’ role with colleagues in different functions and locations
- Demonstrated success at leading high performing teams
- Credit Lending or Credit Risk experience in small business lending segment
- Credit Lending or Credit Risk experience in real estate lending segment
- Quantitative understanding and experience of credit risk modelling and measurement
7
Skills For MF Credit Risk Manager Resume
- Business line experience with underwriting and managing commercial credit
- Strong background in credit and financial statement analysis, preferably working in a trading, capital markets or financial institution environment
- Banking experience, of which at least 5 years in managing business/risks associated with financial institutions
- Working experience in similar function or modelling related functions
- Good understanding of PB investment products / derivatives and the underlying credit risks
- Experience working within commercial banking
8
Skills For Credit Risk Manager for Credit Cards Resume
- Interest and/or experience with mining/machine learning techniques
- Quantitative understanding and experience of basic credit risk modelling and measurement
- Experience in engaging with geographically diverse teams
- Ensure effective use of working capital and optimal approach to risk/reward analysis
- Industry experience with a focus on modeling
- Experience in portfolio assessment and reporting
- Strong knowledge of risk management principles and controls, broad-based business practices, transaction structuring, credit documentation
- Experience of risk, data analysis, manipulation & reporting across diverse industry and market sectors
- Relevant experiences using technical tools to derive analytical insights (SAS, R, SPSS or other relevant statistical package)
9
Skills For Americas Credit Risk Manager Resume
- Strong understanding of customer and market needs and structure
- Multifamily real estate underwriting experience required
- Experience underwriting Multifamily products, transactions, and complex structures
- SQL and Tableau programming skill
- Look for economies of scale and opportunities to reduce waste, whilst not impacting the customer experience
- Experience working with credit risk analysis
- Strong grasp of commercial banking products (trade finance, counterparty businesses, loans)
- Previous experience in risk management or analytics
- Experience in credit risk management
10
Skills For CSL Credit Risk Manager Resume
- Experience with BI/data visualization tools (like Tableau or Excel to create dashboards)
- Knowledge and experience in other risk disciplines (audit, operational, fraud, regulatory) would be beneficial
- Maintain effective credit risk standards, policies, procedures and limits and ensure credit protection is fully understood and utilized with CRM
- Risk related work experience
- Relevant FI/NBFI credit experience
- Prioritize, multi-task and work independently
List of Typical Responsibilities For a Credit Risk Manager Resume
1
Responsibilities For Senior Credit Risk Manager Resume
- Strong analytical skills, problem-solving mindset and ability to make thematic and conceptual connections across Swiss Re
- Work collaboratively and effectively in global team setting; deliver on tight deadlines, perform under pressure and re-prioritize tasks as needed
- Excellent skills in analysing financial statements under international standards
- Strong negotiation skills with internal and external stakeholders
- Strong verbal and written communications skills. Able to articulate ideas in a clear and concise manner
- Strong experience with SAS/SQL/R and Data Files & Data manipulation
- Problem solver and ability to work effectively through conflict
- Superlative organizational skills, attention to detail and ability to multi-task
2
Responsibilities For Global Credit Risk Manager Resume
- Experience in CMBS warehousing is mandatory
- Analytically develop new repayment plan strategies and monitor effectiveness of existing programs
- Build reporting to track performance and measure effectiveness of collections efforts and strategies
- Experience with underwriting Multifamily products, transactions, and complex structures
- Credit Risk management experience, preferably with a credit card issuer
- Analytical and risk experience ideally in the Auto Industry
3
Responsibilities For Credit / Risk Manager Resume
- Min. 10 years of credit risk management experience in Financial Services preferably in Captive
- Project Management experience: not required but is an asset
- Strong knowledge of the applicable laws and regulations and the current environment which govern our policies and practices
- Demonstrated ability to work independently, be detail-oriented and respond well under short timelines
- Relevant FI/NBFI credit experience
- Relevant credit experience
4
Responsibilities For Counterparty Credit Risk Manager Resume
- Strong knowledge in Treasury Products & Trade Finance
- Experience in credit and collections organizational leadership
- Strong knowledge of F&A processes and tools
- Strong knowledge of all types of loan documentation and methods of collateral perfection
- Knowledge of IFRS9 and experience of credit risk PD & LGD models
- Good knowledge of credit risk policies and, processes and controls
- Experience with Multifamily business, markets, properties, cap rates, related property types, borrowers, sponsors and financial products
- Experience with Multifamily business, markets, properties, borrowers, sponsors and financial products
- Relevant experience in credit risk analysis
5
Responsibilities For VP, Wholesale Credit Risk Manager Resume
- Create and maintain all outbound client communication materials to ensure our clients have an amazing experience
- Demonstrated passion to perform with highest level of integrity, professionalism and desire to work in a tight knit team environment
- Retail/Consumer credit portfolio risk management and/or collection strategy experience
- Reviewing and analyzing performance trends in new loan book, as well as the existing Loan portfolio
- Coordinating industry reviews: working with various stakeholders to understand the bank’s exposure and formulating scenarios to estimate potential losses
6
Responsibilities For VP Credit Risk Manager Fmcg Resume
- Developing underwriting strategies for new customers
- Developing or refining standards and procedures to ensure adherence to established policies
- Understanding of DUS underwriting guidelines, products and executions
- Underwriting and Risk management functions to support Brazil
- Gaining full knowledge in risk eco systems such as rules engine, model deployment framework, etc and learn how those applications help risk management; and,
7
Responsibilities For MF Credit Risk Manager Resume
- Becoming the go to person when Risk teams have questions about specific data or product use case
- Providing the business with the capacity to promote growth
- Understanding of consumer credit products
- Minimising overdue debt
- Working knowledge of domestic and international credit policies
- Working knowledge of futures/options and securities market
8
Responsibilities For Credit Risk Manager for Credit Cards Resume
- Approving and managing credit risk and portfolio quality
- Ensuring compliance with all applicable credit policies, procedures; and where apparent, highlighting any non-compliance with laws and regulations
- Conducting periodical and ad hoc portfolio stress tests for proactive management or regulatory requirements
- Diversity and Inclusion: Valuing different perspectives; creating an inclusive environment; valuing and leveraging diversity; being sensitive to other cultures
- Ensure appropriate and consistent pricing of credit. Work with accounting to manage operating working capital
- Ethical: Adhering to the code of conduct; acting responsibly; protecting the reputation of the bank; managing risks
- Leadership: Leading by example; providing direction; mobilizing commitment; managing human capital
9
Responsibilities For Americas Credit Risk Manager Resume
- Regulatory and internal reporting including reporting of credit risk measures to senior management
- Ensure high standard credit quality of the portfolio using various credit assessment tools in giving approval to credit proposals and ad hoc requests
- Assist in handling new vintage risk to business goals, by closely tracking early delinquency trends and loss rates
- Manage complex deals and the resultant retained portfolio, including regular reviews and reporting
- Conduct comprehensive analyses to assess levels of credit risk- including summarizing results with opinions and recommendations for actions
- Design A/B tests to help understand risk return tradeoffs using hypothesis testing frameworks
- Design models and methodologies that help managers better understand the sources of value and risk as well as the key financial drivers affecting them
- Credit risk modelling for all asset classes (PD, LGD, EAD, RWA)
10
Responsibilities For CSL Credit Risk Manager Resume
- Advanced knowledge of lending operations and processes required
- Advanced knowledge of mortgage and consumer lending laws and regulations
- Assist in developing credit risk management strategies for our loan origination process
- Continuously identify high risk segments for swap-out, pricing adjustment, or any other appropriate risk-control actions
- Support market expansion opportunities by analyzing walk-away population and historical declines
- Perform various ad-hoc analysis relating to credit risk
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