Credit Risk Officer Resume Sample
Salvador Robel
9664 Shanahan Ville,
Philadelphia,
PA
+1 (555) 296 9227
Work Experience
Senior Credit Risk Officer
06/2017
-
PRESENT
Dallas, TX
- Use Citi’s proprietary systems & tools including Debt Rating Model (DRM), FRR Calculator, CAT, CRI, Flexcube, RAPID, Credit Engine and Optima
- Coverage of Risk Management of Citi’s third party relationships in one particular Region, LATAM/Banamex
- Supervision of credit risk of all products/services of SGSS UK
- Oversees those decisions made and processes managed by the first line of defense functions whether performed within the bank’s fist line, or within the Servicer and ensuring all actions are appropriately reviewed, approved and documented
- Ensure that key credit risk strategies for the banks are thoroughly analyzed and effectively documented, presented, approved and ensure appropriate reporting, monitoring and escalation protocols are in place, and are effective and sustainable
- Independently examines the Bank’s Credit Risk appetite by establishing Key Risk Indicators (KRIs) and associated dashboards
- Ensures that the strategies implemented to achieve the credit risk appetite are appropriately owed by the Bank and ensures that approval is documented and strategy outcomes are monitored
- Provide credible challenge of the first line on credit decisions ensuring that they are acceptable and the risk initiatives appropriately mitigate the risk exposure
- Support and actively participate in relevant risk committee meetings and management credit risk discussions as needed
Credit Risk Officer
06/2011
-
12/2016
Dallas, TX
- Work under pressure and demonstrate effective management and planning skills in order to ensure efficient, accurate and timely delivery of the services provided by the function
- Excellent communicator, with strong interpersonal skills to establish trustworthy relationships with your internal clients, your team, peers and senior management
- Change agent, with a track record of driving cultural, process and system changes
- Identify execution risks and recommend alternatives to meet strategic objectives
- Update ERM and Credit Risk policies and prepare gap analysis to align policies with Group and SHUSA Policies
- Coordinate the preparation of materials for various risk committees (e.g., CIB Risk Committee)
- Prepare and/or present materials and/or act in the capacity as 2nd Line representative to various Committees
- Resolve issues and respond to requests from both internal and external parties, including clients and prospects
Junior Counterparty Credit Risk Officer
01/2007
-
02/2011
Houston, TX
- Ensure the banks comply with all applicable regulations, guidelines and credit risk requirements
- Support Bank Chief Risk Officer in preparing and delivering presentations regarding key credit risk issues, exposures, etc. to key internal stakeholders, boards, committees and regulators
- Work closely with business and other risk management personnel to understand emerging risks and maintain appropriate policies and practices to address
- Ensure any credit related complaint themes and issues are properly handled and timely resolved
- Monitor and ensure that credit actions adhere to the banks’ credit policy and regulatory requirements and that assigned risk ratings are accurate and justified
- Relevant financial markets experience, including a track record of exercising credit authority for Residential Real Estate lending
- Experienced risk officer, with strong analytical, quantitative and problem solving skills
Education
Drexel University
2001 - 2006
Bachelor's Degree in Related Field
Professional Skills
- Strong technical and analytical skills; strong attention to detail and strong organizational skills, ability to manage multiple deadlines
- Strong analytical, decision making and interpersonal skills
- Strong oral, writing, and communication skills
- A strong analytical, quantitative and problem solving skills
- Strong leadership skills and ability to think analytically and independently
- Excellent verbal and written communication skills at all levels of management
- Very strong quantitative skills and ability to adapt and learn, analyze issues, and solve problems
How to write Credit Risk Officer Resume
Credit Risk Officer role is responsible for credit, analysis, risk, database, financial, microsoft, analytical, software, research, languages.
To write great resume for credit risk officer job, your resume must include:
- Your contact information
- Work experience
- Education
- Skill listing
Contact Information For Credit Risk Officer Resume
The section contact information is important in your credit risk officer 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 Officer Resume
The section work experience is an essential part of your credit risk officer 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 officer 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 officer position you're applying to.
The work experience section should be the detailed summary of your latest 3 or 4 positions.
Representative Credit Risk Officer resume experience can include:
- Prior credit underwriting and analysis experience
- Database interrogation skills, ability to connect databases from different sources to extract information
- Strong financial analytical capabilities – preferably with some experience of analysis for HNWIs
- Solid understanding of financial accounting concepts and regulatory landscape
- In-depth experience in cash-flow based lending products, derivatives, corporate finance transactions, and transaction banking products
- +15 years of experience in credit risk and analytical background, with a focus on LBO and Leveraged Lending
Education on a Credit Risk Officer Resume
Make sure to make education a priority on your credit risk officer 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 officer 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 Officer Resume
When listing skills on your credit risk officer 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 officer skills:
- Solid analytical skills, including Leveraged Loan and High Yield structuring, financial modeling/forecasting, and understanding of derivative structures,
- Effective communication skills - both verbally and in writing
- Effective communication skills - both verbally and written
- Good communication skills and ability to explain any credit decisions /conditions to the Origination units in an
- Analytical skills, including Leveraged Loan and High Yield structuring, financial modeling/forecasting, and understanding of derivative structures,
- Natural presentational skills to be able to deliver training sessions to the Origination units, where necessary
List of Typical Experience For a Credit Risk Officer Resume
1
Experience For Senior Credit Risk Officer Resume
- Database management skills including Microsoft Access and VBA would be an advantage
- Experience in commercial banking or a comparable financial industry sector as a commercial lender or credit analyst
- Strong understanding of Heightened Standards and Enhanced Prudential Standards regulations
- Innovative thinking, paired with a track record of strong tactical execution
- Strong qualitative analytical capabilities in credit risk
- Prioritize initiatives in the right sequence to ensure the best business outcome is achieved
- Manage significant workload with deadlines, establish priorities
2
Experience For Credit Risk Officer / Documentation Resume
- Monitor the Groups Credit portfolio/exposure on a daily basis taking action where necessary including obtaining relevant information from RMs
- Responsible for evaluating financial performance of borrower, and proposing an appropriate risk rating
- Assists in obtaining credit committee approvals; ensuring compliance with Credit Policy; reviewing legal documentation
- Document the meeting minutes for CIB Risk Committee, Material Risk Program Working Sessions and other applicable forums
- Manages the Loan Review tracking process and exceptions, including the oversight of loan system set-up
- Gathers data and prepares for Loan Loss Reserve Committee and Board meetings. Responsible for originating and maintaining documentation to support the ALLL
- Works closely with the Credit Risk Executive and Corporate Banking Executive to administer all aspects of the existing credit portfolio
- Provide detailed explanation of the counterparty considered, including analysis of historical performance of existing activities
- This Risk Department position is responsible for the credit analysis and risk rating of a portfolio of clients in business banking
3
Experience For Securitized Products & Commercial Real Estate Credit Risk Officer Resume
- Other responsibilities include the monitoring of industry developments as well as reviewing the quarterly financial results of these clients
- Thorough knowledge of financial statements, accounting principles, financial modeling/projections and applicable industry data sources/research tools
- Provide regular Risk Program updates to members of local and holding company management
- Keep up to date with market developments affecting the WM sector, e.g. regulatory issues, developments in collateral or particular collateral types
- Recommends risk rating upgrades and downgrades of Corporate Loans
- Manages documentation follow-up and financial statement receipt, including loan system set-up
- Liaise with RMs to ensure timely review of client facilities, recommending changes/revisions where necessary
- Set up and maintenance of Credit Facilities within the Banks core Risk monitoring system
- Lead and develop a diverse group of high performing professionals across multiple areas within the overall credit risk management framework
4
Experience For Risk-credit Risk Officer, Wealth Management Resume
- Pro-active working approach with 'can-do' attitude, ability to work under pressure and flexibility to meet hard deadlines
- Working in a Credit Risk or similar role
- Evaluate earnings quality and sustainability, debt capacity, asset/liability mix, appropriateness of capital structure and financial management
- Construct and update financial models as needed, conduct financial sensitivity analyses, compare actual results to budgeted performance
- Help define the firm’s credit risk appetite in these sectors
- Work across teams both within the Risk Division and the Front Office
5
Experience For Credit Risk Officer Leveraged & Structured Finance Resume
- Oversee the various CRM product reporting modules (e.g. monthly management reports, NAV & performance reports). Work with the front office support team on FoF reporting to Risk, front office, and the bank’s various support functions
- Work with the bank’s Collateral Management team to report daily margin disputes/fails and resolve any margin/collateral issues, as needed
- Product knowledge of OTC derivatives (e.g. options, swaps) and Prime Brokerage products/services. Knowledge of variable funding notes and ability to calculate and quantify transaction risk is also desirable but not essential
- Become familiar with the Bank’s risk appetite and policies, procedure, governance and operational processes to ensure appropriate consideration of all transaction risks
- Bank credit department background – either as a credit officer or in an operational data management role
- Familiarity with regulatory rules and guidelines for credit business
6
Experience For VP, Third Party Credit Risk Officer Resume
- Familiarity with DB’s systems and ratings regime
- Product knowledge of derivative instruments and Prime Brokerage products/services. Ability to calculate and quantify transaction risk is also desirable but not essential
- Basic understanding of master trading documentation, particularly International Swaps and Derivatives Association (ISDA), Global Master Repo Agreements (GMRA), Futures and Options (F&O) and Prime Brokerage
- Work with various Business (BRM) and Credit Risk Management (CRM) teams on transactions originated by DB’s Municipal Capital Markets desk, especially in cases where client types and/or underlying reference asset classes fall outside the traditional muni space
- Responsible for developing and introducing innovative and best in class credit risk management techniques, with the least ‘manual interventions’ as possible
- Monitoring of industry developments for the assigned portfolio
- Preparation of proposal presentations for credit committees in the US and in Madrid
- Preparation of pre-classification presentations for industry sectors or individual companies
- Preparation of obligor risk ratings
7
Experience For Credit Risk Officer, TTS Risk Management Resume
- Preparation of Annual Reviews as well as periodic Watch List/FEVE and HLT review presentations
- Monitors credit quality of assigned GCB borrowers incl. but not limited to financial covenant compliance
- Review and maintenance of credit files
- Analysing new Line Feed (LF) transactions including Leveraged Buy-Out’s (LBOs), Mergers and Acquisitions (M&A) financing, Leveraged Loan Participations, Foreign Exchange (FX) / Interest Rates (IR) / Commodity Derivatives, Transaction Banking, etc
- Ensure the effectiveness of the unit’s structure and systems in achieving compliance requirements, optimal efficiency, resource utilisation and cost containment
- To input, review and approve transactions in the IT system (CIS) where Credit validation is required
- 1-2years of line lending experience
- Commercial credit experience
- Preference for someone with VAN Industry experience
8
Experience For Credit Risk Officer Commercial Real Estate Resume
- To analyse and sanction under his discretionary limits or recommend for sanction new Credit Proposals with a
- Work with the bank’s Collateral Management team as required in order to resolve any margin/collateral issues
- Provide transaction analysis feedback to Risk team and business line Lenders across a wide breadth of structured terms and collateral (e.g. commercial real estate, private equity, hedge funds, and unsecured)
- Participate in the monitoring process for existing transactions and portfolios, initiating appropriate remedial steps where necessary – reviewing collateral, covenants, payments
- Responsible for the Allowance for Loan and Lease Losses (ALLL) and the analysis that supports the ALLL. Analyzes trends, loan level information, and economic data to support ALLL levels
- Oversees and enhances the Annual Financial Review process in conjunction with the Corporate Credit Portfolio Administration Manager
9
Experience For Jpn-firm Credit Risk Officer, Risk Management Resume
- Works to enhance the Corporate Loan Grade model as needed
- Gathers data and analyzes components for loan loss reserve levels. Analyzes Loss Emergence Period and Qualitative Factors that affect the ALLL
- Liaise with internal departments to maintain the quality of the credit book in line with business objectives
- To provide cover for other team members as required
- Accountable for oversight of credit policies and procedures to ensure they accurately reflect investor and regulatory requirements. Ensure updates to policies, procedures and training as requirements change and/or for purposes of clarification to address underwriter errors
- Develop personal and business unit credibility with business line managers, external auditors, vendors, regulators, compliance and executive management and effectively manage internal and external credit and quality control reviews to drive satisfactory audit and exam results
10
Experience For SME Credit Risk Officer Resume
- Review and monitor underwriter scorecards on a regular basis to ensure performance issues are addressed in accordance with policy and highlight leading indicators that represent potential concern. Recommend updates to scorecards to ensure their ongoing relevance and effectiveness
- Manage the development and implementation of associate tools and job aids (income calculators, asset job aids, AUS job aids) to support areas of opportunity highlighted in quality control reviews
- Determine risk limits to support risk appetite and monthly associated reporting against those risk limits
- Provide an approval or recommendation for approval based upon the proposed limit(s) and tenor(s) being considered
- Responsible for making decisions or recommendations on renewals, modifications, etc
- Primary responsibility is the underwriting and approval of credit transactions
List of Typical Skills For a Credit Risk Officer Resume
1
Skills For Senior Credit Risk Officer Resume
- Established credit analysis skills and sound credit judgement and a track record of having exercised credit authority
- Credit training and multiple years of wholesale credit experience involving credit analysis and transaction structuring
- Proven ability to make credit decisions, including complex transactions, while interacting collaboratively with key partners
- Experience working with regulatory bodies including the FDIC, CFPB and others
- A good understanding of trading agreements such as ISDA and CSA, GMSLA etc
- Experience underwriting CRE or C&I loans
2
Skills For Credit Risk Officer / Documentation Resume
- Strong familiarity with regulations such as Unfair or Deceptive Practices Act, Fair Credit Reporting, and Equal Credit Opportunity
- Credit analysis experience, thereof at least part in non-investment grade lending
- Experience leading a team of seasoned credit risk professionals
- Experience in/with stakeholder management; organizational sensitive
- Drive efficiency and effectiveness to ensure the best possible use of resources and systems
- Developing a differentiating customer value proposition by challenging the models already existing on the market
- Understanding of methodologies and models used for rating commercial real estate loans and CMBS securities
- Participating in the team’s efforts to maintain our regulatory driven key performance indicators
- Obtaining internal approval for transaction amendments, covenant breaches etc
3
Skills For Securitized Products & Commercial Real Estate Credit Risk Officer Resume
- Negotiating credit terms in loan agreements, bond indentures and International Swaps and Derivatives Association’s (ISDA’s)
- Assisting with L&SF’s interactions with internal and external Auditors and Regulatory Authorities
- Preparing the institution for readiness under CECL, including knowledge of accounting and data requirements
- Understanding of credit rating models for real estate and asset finance counterparties
- Starting from conceptual design, continuing to detailed plan, move to full execution mode
- Being true to our business model by only attracting customers in fit with it without compromise
4
Skills For Risk-credit Risk Officer, Wealth Management Resume
- Monitoring of industry developments as well as reviewing the quarterly financial results of these clients
- Understanding of ABCP and securitization programs
- Understanding of real estate, asset finance and capital markets
- Understanding of regulatory regimes for these products
- Helping to define the firm’s credit risk appetite in the CRE sector
- Leading a large scale cross functional project with complex requirements and scope
- Delivering on promises and quickly learn from mistakes when needed
- Inspiring staff to maintain high level commitment
5
Skills For Credit Risk Officer Leveraged & Structured Finance Resume
- Insuring compliance remain within portfolio limits
- Ensuring quality and soundness of all credit transactions
- Communicate well with peers throughout the organization and be alert to the continual changing working environment, adapting well to change
- Basic working knowledge of risk metrics including VaR, PFE and stress testing
- Analyze credit worthiness, including reviewing credit reports, and financial statements
- Analytical problem solving to guide associates through major analysis function and credit structuring
6
Skills For VP, Third Party Credit Risk Officer Resume
- Familiarity with regulatory issues and concerns relating to commercial real estate lending
- Advanced concepts, practices and procedures of credit analysis and accounting for the ALLL (including CECL)
- To liaise with the Private Banking teams and the Credit Structuring Manager and to provide active assistance on all credit-related and credit policy
- To follow the existing lending book to ensure that annual reviews and renewal requests are done on a timely basis
- Some working knowledge of bank loan and OTC derivative credit products
- Thorough knowledge of credit risk, credit structuring, financial analysis, market (developments) and legal risk
7
Skills For Credit Risk Officer, TTS Risk Management Resume
- Review, approve or recommend (depending on your ad persona delegated Credit Authority) credit requests for our Singapore booked Clients
- Review and/or approve requests, proactively and constructively, while adhering to the firm’s risk principles and standards
- Monitor portfolio quality and recommend interim reviews and timely rating changes
- Strategically plan to administer items for the department, oversee the budgeting process and provide guidance and oversight to credit policy issues
- Pro-active in nature and enjoy troubleshooting and ad hoc project assignments, where necessary
- Known for delivering quality work under pressure
8
Skills For Credit Risk Officer Commercial Real Estate Resume
- Broad knowledge and understanding of credit risks and controls
- Help determine the firm’s risk appetite for certain trading counterparties
- Some working knowledge of bank loan and derivative credit products
- Identifies adverse developments, early detection of warning signs
- Coordinate with the business areas the monitoring of clients, sectors, business plans, meetings with companies, review of credit exposure
9
Skills For Jpn-firm Credit Risk Officer, Risk Management Resume
- Risk and compliance approach, set credit paper for local and head office Credit Committees, setting up the credit risk workflow and limit management
- To ensure that credit proposals have been sanctioned in the respect of BW Lending discretions
- Keen ability in detecting credit risks and weaknesses
- Team player as well as self-starter is prerequisite
- Analyze simple and complex credit structures and provide collateral analysis
- Approve transaction requests within delegated authority or where outside, summarize and seek approval from the appropriate authority and manage communication flows with Business colleagues
- Provide credit and risk monitoring of the credit portfolio as assigned
10
Skills For SME Credit Risk Officer Resume
- Provide loan and counterparty review
- Bank credit department background – either as a credit officer or similar support function
- Critical but open for debate
- Manage / monitor the loan book and assist the head of the team in auditors and regulators' communication
- Handle and process the large number of credit process related queries from the origination units
- Build credibility as a reliable partner to our Sales and Origination units, whereby our main focus is to be a solution provider (as well as a business enabler) and to deliver a time adequate service to our partners
- Interact with salespeople, traders and other support functions (e.g. Legal, Market Risk, Operations) and provide support to the Credit Analysts in their day-to-day responsibilities on the portfolio
- Think strategicially and execute effectively
List of Typical Responsibilities For a Credit Risk Officer Resume
1
Responsibilities For Senior Credit Risk Officer Resume
- Experience in a credit capacity covering corporate credit, experience of leveraged finance is also desirable
- Prioritize and work in a very dynamic, deadline-focused environment
- Extensive corporate credit risk experience in increasingly important roles in a top tier financial institution
- Assist in obtaining credit committee approvals; ensuring compliance with Credit Policy; reviewing legal documentation
- Responsible for insuring compliance with portfolio limits
- Review and approve analysis of existing loan transactions
- Provide technical advice and assistance to loan officers and underwriters in the evaluation and structuring of credits
- Provide risk governance support for the CIB Risk Committee and related CIB committees and working groups as needed
- Director, or senior, high performing AD
2
Responsibilities For Credit Risk Officer / Documentation Resume
- Highlight the key risk factors
- Document recommendation for final decision
- The Risk Officer monitors and proactively manages risk/exposure and compliance with Credit Policy for assigned portfolio
- Works in conjunction with Relationship Managers and clients
- The incumbent ensures quality and soundness of all credit transactions
- Conduct annual industry analysis (precla) as required
- Credit Committee Presentation - prepare presentations and documentations for new transactions to be presented in the Banks credit committees - respond to questions received in the committee as they arise
- Credit file maintenance in accordance to requirement per credit policy
3
Responsibilities For Securitized Products & Commercial Real Estate Credit Risk Officer Resume
- Review of the credit files
- Monitor the exposure and limits, portfolios & control risk positions; Identifies early client risk/exposure, early detection of volatile industries & markets for assigned portfolio
- Perform credit analysis and credit report write-up on assigned portfolios
- Prepare internal risk ratings on assigned portfolios in accordance with the banks credit policy and guidelines
- Proficient in MS PowerPoint (intermediate level) and Excel (advanced level)
- Assists with model development and documentation as needed
- Works closely with Credit Risk Executive, Credit Analytics Manager, Model Developers, and other executives to administer all aspects of existing credit portfolio
4
Responsibilities For Risk-credit Risk Officer, Wealth Management Resume
- Perform credit reviews on new loan transactions of moderate to high complexity. Including, but not limited to: Analyzing the borrower's ability to repay the loan, assessing the financial condition of the guarantor and reviewing the quality of the collateral
- Perform credit reviews on existing loan transactions of moderate to high complexity. Including, but not limited to: Analyzing the borrower's continued ability to repay the loan, monitoring payment history, assessing the financial condition of the guarantor and reviewing the quality of the collateral
- 1) Manage a portfolio of clients comprised of Leveraged Finance (LBO), Technology, Media & Telecom (TMT), Middle Market Loans and other asset-based leveraged loans. This role includes credit assessment, risk decision and strong interaction with First Line of Defense
- 2) Provide credit decisions (or recommendations to senior management) on all types of credit requests received for Leveraged Finance, High Yield transactions, TMT clients as well as Broadly Syndicated Loans and Middle Market Loans
- 6) Validation of Obligor Risk Ratings, Basle II parameters (LGDs), other financial metrics
5
Responsibilities For Credit Risk Officer Leveraged & Structured Finance Resume
- 5) Ongoing monitoring of the credit quality of the portfolio (portfolio review and early detection of deteriorating credits), including
- 4) Oversee policies, procedures and standards to ensure compliance with SG’s global practices
- The participation in the Watch List meetings
- Close interaction with the Middle and Back Offices
- 7) Ensure the proper execution of procedures, monitor outcomes and demonstrated support for SG’s strategic goals though flexibility and the appropriate flow of information up and down the chain of authority
6
Responsibilities For VP, Third Party Credit Risk Officer Resume
- Communicate messages effectively and succinctly
- Maintain a high level of professionalism in all situations
- Review and approval of commercial RE credit requests, including: A: rigorous analysis of complex loan transactions, generally in the seven and eight figure ranges but depending upon assigned portfolios, could extend to $100 Million or more
- Attend AIG Investments credit committee meetings as the ERM representative and provide specific approvals for those transactions that exceed the Credit Committee Delegated Authority
- Provide analysis and assessment of risk in certain proposed
- Work with the portfolio managers to design and implement appropriate analytic tools, stress scenarios, and risk reports to effectively monitor investments risk, enhance decision making and risk management process, and communicate risk positions and emerging risk trends
7
Responsibilities For Credit Risk Officer, TTS Risk Management Resume
- Update and enhance relevant credit policies and procedures for the Public and Private Investments teams. Monitor the portfolios for regular compliance with all policies and procedures
- Over time, assume primary credit responsibility for asset classes/portfolios which includes being the main contact for AIG Investments and Investments ERM senior credit officers on issues related to those particular asset classes/portfolios
- Familiarity with the various information models and systems used for structured products and corporate credit would be an advantage
- Preparation of preclassification presentations for industry sectors or individual companies
- Monitors credit quality of assigned GBM borrowers incl. but not limited to financial covenant compliance
- Ensure compliance with US bank regulations and internal credit policies & procedures
8
Responsibilities For Credit Risk Officer Commercial Real Estate Resume
- Coordinate the execution of the core risk programs for CIB, including Risk Appetite and Material Risk Program. Build awareness of the business implications of material risks, and how to manage these risks, as part of a strong risk culture
- Enhance and continue to develop organization capability around risk governance and decision processes
- Work collaboratively with support and oversight functions to identify and implement consistent and effective approaches to risk governance and risk controls for CIB
- Enhance the reporting processes and controls for the Level 1 and Level 2 Committees including monthly reporting for the CIB Risk Committee and other required forums
- Design and implement new tools to track the risk appetite and key risk indicator metrics to ensure effective challenge and controls. Assessment of effectiveness through testing
- Lead enterprise-wide projects or policy initiatives impacting or governing risk governance and control through program management, escalation of issues and reporting
- Develop and implement processes to assess and/or monitor the effectiveness of risk governance frameworks / adherence to standards as appropriate
- Maintain the risk related CIB Charters and related ERM and Credit Risk Policies and Procedures
9
Responsibilities For Jpn-firm Credit Risk Officer, Risk Management Resume
- In a financial services organization, preferably with experience in credit risk control with delegated credit authority or credit origination with client relationship responsibilities
- High confidence in communication, presentation, and influencing
- Concise and analytical in writing
- Ability and drive to work independently and in a team
- Product and Process Enhancements – lead / actively contribute in various projects and working groups to enhance and strengthen firm's service offerings to clients and risk management
- Product and Process Enhancements – lead or actively contribute in various projects and working groups to enhance and strengthen firm's service offerings to clients and risk management
10
Responsibilities For SME Credit Risk Officer Resume
- Execution – prepare credit requests outlining the transaction, its rational, key risks and risk mitigating factors etc. Drive internal decision making and credit approval process, legal documentation, reflecting risk/exposure limits in internal systems, operationalizing any bespoke arrangements etc
- In depth knowledge of Citi’s proprietary Debt Rating Model (DRM) to assign risk ratings to commercial credit exposures and Citi’s Risk Rating Scorecards – used to determine Risk of individual obligors with specialized industries is required
- Expertise in CAT, Citi’s proprietary system used to input financial data to determine financial ratios and prepare financial projections and FRR Calculator, Citi’s proprietary tool to determine Facility Risk Rating based on LGD of collaterals and CRI, Citi’s proprietary workflow and credit file documentation system
- At least six years’ experience performing credit analysis, including financial and business profile analysis, of Hedge Fund or Mutual Fund companies
- Work experience in financial institutions or equivalent in credit and risk related function analyzing general corporate customers
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