Credit Services Resume Sample
Maritza Brown
211 Abdullah Shoals,
San Francisco,
CA
+1 (555) 295 8740
Work Experience
Credit Card Services Specialist
06/2017
-
PRESENT
Houston, TX
- Deliver a continuous stream of positive change to the Canadian NACC&MS digital properties while also aligning with TD’s Risk Appetite
- Experience in managing or overseeing digital platforms – sales and servicing
- Strong business owning expertise with a proven track record of delivering business results in an integrated cross-channel environment
- As Head of Credit Services, represent Canada in Regional and Global governance forums
- Drive service excellence through operational oversight of Canada Credit Services teams and deliver quality, risk, people and financial performance targets
- Provide regional insights into Global re-engineering initiatives e.g. CARM Program ‘Gold Process’, and ensure that these are deployed across markets in close partnership with business and service delivery teams
- Implement Global Operations strategy, by migrating Credit Services work to the most appropriate, cost effective location to leverage cost and efficiency benefits of Global Operations global capabilities. This can include outsourcing of work to a third party
- Actively identify and realize savings through automation, elimination and standardization to deliver cost efficient, high quality and scalable services for the business partners
- Reconcile client Accounts Receivable aging’s, perform ineligible calculations for Accounts Receivable and Inventory collateral accurately, timely and in compliance with Loan Servicing Standards
Credit Services Rep
01/2013
-
05/2017
New York, NY
- Monitors policies, procedures and external regulations and procedures exceptions and take appropriate action
- Responsible for the preparation of all SBA packages, reports, and credit quality reports as required for the SBA, internal approval, and Officer’s Loan committee
- Ensures the prompt and efficient delivery of loan services to internal clients by adherence to service level agreements as set forth by the Business Banking Credit Services Manager
- Markets FCB’s SBA programs/products to internal and external clients. This includes traveling to all FCB regions to educate Business Bankers and Corporate Bankers
- Attends SBA training sessions to continually understand and implement SBA changes to products. Consistently inform appropriate bank personnel on all SBA/procedural changes
- Encourages the growth and professional development of all SBA operations personnel, and provides training and cross-training of all operations personnel
- Maintains compliance with all applicable regulatory and compliance laws within the operations area and advises the department manager of any deficiencies
- Works closely with the department manager to identify and correct any problems relating to underwriting functions, client service, internal operations, and credit control procedures
- Organizes the workflow and activities of the department in order to achieve established goals and monitors the efficiency and performance of the staff members
Enrollment Services Credit Eval Asst
06/2006
-
12/2012
New York, NY
- Asset based operations team member responsible for quality assurance (QA)
- QA data elements for booking of facility closings to system of record (new fundings, restructures and amendments for sole and multiple lender deals)
- Review legal documentation and credit approvals
- QA data elements for ongoing maintenance of facility to system of record
- Review documentation for ineligible, reserve, libor, fee and pricing updates
- Track and follow up on errors and issues discovered by QA process
- Partner with fulfillment and service teams as well as operational risk leads
- Monitors, maintains, and adherences to the credit quality goals as set forth for the SBA and Business Banking portfolio. Provides and maintains appropriate reporting of the credit quality of the portfolio
- Establishes and monitors productivity goals for the SBA Department staff and subsequent reporting mechanisms. (establishing performance measurements for the underwriting and operations staff such as first year delinquency, percentage of deviations from loan policies, percentage of second year downgrades to criticized risk rating, etc.)
Education
Fairleigh Dickinson University - Metropolitan Campus
2000 - 2005
Bachelor's Degree in Finance
Professional Skills
- Demonstrate outstanding verbal and written communication skills managing escalations
- Strong analytical and problem solving skills, proficiency with numbers
- Learn, perform and deliver quickly. Proficiency in in MS Office, including intermediate to advanced Excel skills
- Proven experience-pursuing tasks with energy, drive and follow through, especially in the face of resistance or setbacks
- Communication skills and Interpersonal
- Reporting & Analytical experience - 2-4 years
- Experience reading and interpreting Legal Documentation such as Loan and Security Agreements and Credit Approvals
How to write Credit Services Resume
Credit Services role is responsible for access, government, digital, design, reporting, security, training, credit, finance, grammar.
To write great resume for credit services job, your resume must include:
- Your contact information
- Work experience
- Education
- Skill listing
Contact Information For Credit Services Resume
The section contact information is important in your credit services 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 Services Resume
The section work experience is an essential part of your credit services 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 services 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 services position you're applying to.
The work experience section should be the detailed summary of your latest 3 or 4 positions.
Representative Credit Services resume experience can include:
- Proficient Reading Writing, and grammar skills, proficient analytical and mathematical skills; proficient communicative and interpersonal relations skills
- Proficient PC Skills including Word, Excel, and Access
- Cope with ambiguity and change. Maintain high level of professionalism with negotiation skills when work under pressure and challenging situations
- Advance skills in Excel, PowerPoint and Access
- Contribute to building solid and lasting business relationships with our clients, maintaining a professional and positive attitude
- Experience working with Insurance carriers i.e.) understanding plan provisions, appeals processes
Education on a Credit Services Resume
Make sure to make education a priority on your credit services resume. If you’ve been working for a few years and have a few solid positions to show, put your education after your credit services 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 Services Resume
When listing skills on your credit services 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 services skills:
- Has effective follow-up and problem solving skills
- Coaches the team to develop their knowledge and skills
- Proactive and able to demonstrate use of initiative
- Exhibits the ability to multi-task, a strong attention to detail
- Experience in credit and collections
- SAP user /experience . Worked from multi-national companies
List of Typical Experience For a Credit Services Resume
1
Experience For Credit Services Rep Resume
- Support analyst team with data extractions and manipulation for recurring and ad hoc reporting
- Works closely with business management to develop and recommend appropriate strategies for managing high-risk and high exposure accounts
- Function within the assigned deadlines and goals
- Communicate effectively with management and staff; strong and current knowledge of laws and regulations affecting loan review, special assets function, organizational policies and procedures relative to loan review and special asset administration is required
- Information seeker (goes beyond questions that are routine or required in the job)
- Able to identify and escalate risk
- Participate in the execution of business processes and delivery of services to internal and external customers that support the vision and strategy of the GTS and the company’s strategic business plans
- Contacts customers with delinquent accounts and attempts to determine
- Interacts with a wide variety of internal and external individuals, including the business Vice President and senior sales management in order to: Contribute to the profitability of the business by approving optimum credit limits; develop effective customer relationships and effective high level collection and credit strategies
2
Experience For Credit Card Services Specialist Resume
- Formulates and presents analysis of receivable performance information to the SBU channel in order to highlight the impact of receivable collections on working capital
- Develops strategies for minimizing exposure for those customers determined to be bad debt risks. When necessary, determines the effect of such customers on the bad debt reserves. Also, recommends the write-off of those transactions deemed to be uncollectible on a monthly basis
- Collect the documents and review the aging of the company in the determined commercial terms
- Translates high level vision and strategy into clear objectives and drive toward completion of those objectives
- Completes maintenance on consumer/business credit card accounts in the processor’s system per established procedures
- Reconciliation of current customer accounts
- Interact with the sales force of the company, generating awareness that the Department of Credits is a Support area and that sales conclude with their collection
- Preparation of management reports for Local and Corporate Management
- Analyze the credit limits, making sure that each customer is reviewed at least once a year and that it has been based on a reasonable and professional interpretation of the financial information of the client, taking into account the commercial history of the client as well Also their potential future development
3
Experience For Credit Services Team Lead Resume
- Prepare files for the collection of public and private clients
- Contacts customers with delinquent accounts and attempts to determinereason for overdue payment
- Arranges for debt repayment or establishes repayment schedule based oncustomers' financial situation
- Issues daily reports on the status of delinquent accounts and trackscollection efforts
- Proficient knowledge and understanding of commercial lending and of the U.S. Small Business Administration (SBA) loan guarantee programs, special documentation, eligibility, and reporting requirements
- Ensures accurate lender contact access to information, information security standards, syndicate voting and modifications, collateral administration, and/or documentation exception reporting depending on the responsibilities of the team
- Knows the risks of the business
- Instills customer/client focus in all employees
4
Experience For SBA Credit Services Manager Resume
- Builds partnerships outside of own team or function
- Integrates technology, tools and staff to drive agency fee revenue, reduce costs, manage risk and add value to internal and external clients
- Recruits, selects, develops and retains top talent
- Recognizes and reinforces improvement
- Translates plans/policies into specific goals, tactics, action plans and deliverables
- Sets “stretch” performance standards for self and others and holds associates accountable for results
- Leadership: effectively leads others by example, creates positive energy in the face of challenges, operates with flexibility and openness and instills a sense of trust
- Communication: excellent client, business partner and employee communication skills
5
Experience For FSG Credit Managed Services Offering Manager Resume
- Skilled with Microsoft Outlook, PowerPoint, Excel, and Word and is familiar with project management principles
- Risk Management: ability to quickly grasp and manage the Line of Business reputation, legal and operation risk
- Change Manager: is a navigator of change of process, technology, product, complexity and organizational structure. Responsive, shows initiative and strong problem-solving skills
- Legal: basic knowledge of commercial credit agreement and related documentation
- Counsels and negotiates with customers to improve financial controls, suggests sources of working capital, and sets up special credit arrangements and payment schedules
- Plans credit restriction and collection tactics for risky, slow pay, and sensitive accounts
6
Experience For Credit Services Manager Resume
- Provides collections, coordination and resolution of outstanding invoices from past due Healthcare Consumers, Hospitals, Commercial, Distributors and Government Programs
- Develop strong relationships with customers, sales representatives, CSR’s and Order desk teams
- Manage customer disputes, through FSCM and collate with Order Management Services and Customer Care to resolve
- Participate & contribute in regular credit meetings with appropriate operations personnel to resolve/escalate credit issues
- Performs pre-sale credit risk evaluation & approval recommendations
- Initiate approx.30 collections calls per day
7
Experience For VP Credit Services Manager Resume
- Weekly review of accounts and credit issues with manager
- Contacts customers by phone and email; involve sales to enlist their help on past due accounts; maintains documentation on all collection activities; place accounts on credit hold following standard operating procedures (SOP’s)
- Reconcile and resolve out of balance conditions (i.e. account payments, short payments, over payments, unexplained deductions, duplicate deductions, and any other balance over 90 days old)
- Carries out special projects/assignments as delegated by supervisor
- Professionally present and articulate the business value of complicated analysis to a diverse group of stakeholders
- Create presentations to help illustrate data in ways that are appropriate and easy for stakeholders to understand
- Provide leadership as a mentor to team analysts and cross-functional resources
8
Experience For Credit & A / R Services Resume
- Detail oriented, self-motivated, proactive and results driven
- Knowledge of mobile phones and services
- Courier paperwork, supplies and legal documents between the Fairview office and the Lutheran office as needed
- Experience in small business banking, with experience in sales and underwriting loans for small and medium sized businesses. This knowledge includes analyzing business financial statements, structuring business loan requests, and generating business loan documentation
- Effectively problem solves
- Experience with Collections
9
Experience For Credit & Lending Services Admin Resume
- Credit agreement/closing documentation
- Managerial CourageSearch Jobs US
- Work in a reasonably small office space
- Prepares OR/Acknowledgement receipts
- Analytical, conceptual thinker
List of Typical Skills For a Credit Services Resume
1
Skills For Credit Services Rep Resume
- Invests time in customer/client-facing activities and communicates effectively across audiences
- Knowledge of basic accounting principles and good knowledge of cash collection processes
- Dispute resolution and solid understanding of available system & tools
- Actively participate and contribute in the development and review of goals, policies, priorities and procedures relating to credit/collections
- Progressive experience in Commercial Lending and /or SBA operations
- Operate office equipment (telephone, 10-key adding machine, PC, CICS, fax, copier, etc.)
2
Skills For Credit Card Services Specialist Resume
- Relevant credit, collection or customer service experience
- Demonstrates curiosity, inventiveness and maintains a healthy skepticism
- Comply with established budgets and operate within budgetary constraints
- Writing queries using SQL language - 2-4 years
- Willing to learn and adapt to change
- Monitoring of monthly internal controls
- Participation in monthly accounting closing (creation of Bad debt reserve, Closing of Module A / R)
3
Skills For Credit Services Team Lead Resume
- Leads team in delivering superior deal closing and administrative agent service for Borrower and Lender clients
- Performs various administrative functions for assigned accounts, suchas recording address changes and purging the records of deceasedcustomers
- Keeps up-to-date on working applicable state and federal lawsregulating collection activities
- Manages, educates and coaches the SBA Underwriters and SBA Operations officers in SBA eligibility, SBA underwriting, documentation, and SBA loan servicing
- Comfortable working in complex multi-disciplined situations
- Apply basic accounting principles
4
Skills For SBA Credit Services Manager Resume
- Asset Based Lending background
- Identifies and resolves key issues found in lengthy and complex legal documents or breaking situations
- Respond well to coaching in a cross-functional team environment
- Coaches teammates on leading deal closings, agency officer code of conduct, documentation strategies, communication
- Some occasional light lifting of supplies and computer equipment
- Balance data, logic and intuition in timely decision making and generates practical, sensible and simple solutions to problems
- Identify, analyze & recommend his/her portfolio potential bad debts, Write-off and provide reporting as necessary
5
Skills For FSG Credit Managed Services Offering Manager Resume
- Closely monitors customer receivable aging. Takes corrective action as follows
- Clearly communicate analysis and complex concepts to non-subject matter experts orally and in writing
- Familiarity with BI reporting tools such as Micro Strategy or Tableau
- Create conceptual frameworks enabling the analysis of varied business problems
- Driven by goals and deadlines
- Able to build trust and credibility
- SBA background or acquaintance is required
6
Skills For Credit Services Manager Resume
- Project Management certification (Green Belt)
- Microsoft Visio, SharePoint, OneNote proficiency
- Operational/Regulations Processes - Knowledge organization’s policies, regulations, objectives, and initiatives according to the job’s responsibilities. Ability to establish, conduct and track (audit) operational processes properly, and implement changes
- Becomes familiar with client products and services while assisting with routine updates and documentation (e.g. name/address changes, returned mail, etc.) of cardholder/corporate accounts. Follows client policies and procedures to validate report disputes from appropriate credit bureau systems as directed
- Becomes familiar and assists with determining/recognizing the basis of cardholder requests that involve potential fraud, credit, collection or chargeback issues and forwards to the appropriate department for resolution. Picks up, reviews, sorts, digitally scans, and distributes mail for appropriate action, as directed
7
Skills For VP Credit Services Manager Resume
- Follows basic client standards/policies/procedures, regulations and Association (Visa, MasterCard, etc.) requirements as observed through training, reference material and various software tools to prevent violations and punitive financial action, as directed
- Communication skills - Frequent written and verbal communication with cardholders, clients and vendors (US Postal Service)
- Industry knowledge - Strong knowledge of government regulations, client policies and Association compliance
- Time management and prioritization; ability to establish urgency of tasks and multi-task under pressure
- Fosters a strong risk management quality control culture
- Monitoring and filing of creditable withholding tax 2307 for tax purposes
- Handles complaints in accordance with the Internal Complaints Procedure (ICP): logs resolved complaints and escalates unresolved complaints as per the ICP
8
Skills For Credit & A / R Services Resume
- Computer skills - Knowledge in applicable software, e.g. Lotus Notes, TSYS Applications, onBase, Microsoft Office, Credit Bureau system, client websites, payment processing systems
- Self-motivated with a positive, outgoing and friendly personality
- Proficient knowledge of the SBA’s Standard Operating Procedures (SOP) Guidelines
- Be the first point of contact for past due AR balances from internal and external customers (via phone, email, and traditional mail)
- Support for AR related work including but not limited to reissuance of invoices when needed, statements, reminder correspondence, and preparing and coordinating issuance of credit notes
- Monitoring of Accounts Receivable aging and chasing overdue accounts to ensure AR aging / Bad Debt goals are met or exceeded. Aims to maintain accounts to current
- Proactively communicating with Customers and Internal team to resolve collection issues and variances
9
Skills For Credit & Lending Services Admin Resume
- Coordinate cash collections and check pick-ups with the service provider
- Liaise timely and correct cash application and receipt postings to Shanghai Shared Service team
- Coordinate charge backs, returns, bad checks, customer claims, and answer customer queries with DHL
- Call and/or mail correspondence to customers as necessary in order to update accounts
- Assist with related special projects and support other processes –as and when needed
- Responsible for the adjudication of SBA Loans, which involves
10
Skills For Enrollment Services Credit Eval Asst Resume
- Responsible for all collections activities on the assigned portfolios. Activities include minimizing balances on customers’ accounts, proper account reconciliation, timely escalation/resolution of disputes and collection issues through leverage of professional relationships with internal and external customers
- Liaison between the collection agency and internal stakeholders within MDT by providing all parties with the necessary reports and information to ensure timely collection and proper application of cash received
- Ensure unallocated cash is regularly followed up and queries are timely actioned
- Ad-hoc request to work on projects/jobs within the country and the MEACAT region
- Leads Agency initiatives; represents team in enterprise endeavors
- Adapts to and leads changes to simplify and improve process
- Facilitates team engagement to continuously improve, manage team workloads, prepare and administer performance and salary reviews, communicate and implement changes in policies and procedures
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