Credit Specialist Resume Sample
Earnest Collier
26821 Sydni Isle,
Houston,
TX
+1 (555) 580 0268
Work Experience
Credit Specialist
07/2016
-
PRESENT
Boston, MA
- Excellent credit underwriting and administration skills; considered subject matter expert in complex credit understanding
- Superior ability to identify and mitigate risk
- Provide value-add structuring alternatives for highly complex credits
- Strong written and excellent verbal communication skills with solid business acumen
- Responsible for managing portfolio of complex loans, preparing annual reviews, renewals, construction loan advances, and any other request of customer
- Performs credit analysis in partnership with Relationship Manager on potential and existing customers to determine alignment with TD Bank products/structure TD Credit Risk Appetite and credit policies/underwriting guidelines
- Attends site visits and prospect/customer calls as needed/requested
- With support from the Credit Analyst, prepares credit approval memorandums for new business for new and existing borrowers
- Ensure approval memos provide high quality risk assessment, credit structure, due diligence, and credit presentation and utilize bank models for borrower and facility risk ratings, as well as profitability models
Senior Credit Specialist
05/2010
-
02/2016
New York, NY
- Manages the timely approval, documentation preparation, negotiation and closing of new and existing transactions
- Be knowledgeable of and operate within the applicable regulatory and compliance guidelines/policies & procedures (including but not limited to: AML, Privacy, Firewalls, Systems & Information Security, FCAC, etc.) and complete required compliance attestations/training within required timelines
- Ensure the managed portfolio is comprehensively monitored and controlled, adhering to and administered within approved guidelines and in line with established operating policies and procedures
- Interpret and applies TD’s risk management strategy (both credit and operational)
- Ensures applications provide a high quality of risk assessment, credit structure, due diligence, and credit presentation and adheres to AIRB methodology and addresses TD Bank’s profitability objectives
- Ensures credit applications provide a high quality of risk assessment, credit structure, due diligence, and credit presentation and adheres to AIRB methodology and addresses TD Bank’s profitability objectives
- Strong credit underwriting and administration skills
- Provide value-add structuring alternatives for complex credits
- Strong written and verbal communication skills with demonstrated understanding of business acumen
Transfer Credit Specialist
04/2006
-
12/2009
Philadelphia, PA
- Ensures applications provide a high quality of risk assessment, credit structure, due diligence, and credit presentation and adhere to AIRB methodology and address TD Bank’s profitability objectives
- Is knowledgeable of and operates within the applicable regulatory and compliance guidelines/policies & procedures (including but not limited to: AML, Privacy, Firewalls, Systems & Information Security, FCAC, etc.) and ensures that all staff complete required compliance attestations/training within required timelines
- Two (2) years or more experience in commercial credit
- Upload completed applications to appropriate credit system
- Document lien release in appropriate credit system
- Prepare preliminary notices (notice of intent) per applicable state laws and standard operating procedures
- Prepares spreadsheets for pricing and field operations to ensure all appropriate customer connections are systematically connected via links and merges
Education
American Sentinel University
2001 - 2006
Bachelor's Degree in Business
Professional Skills
- Excellent verbal and written communication skills, organizational skills, good time management skills and professional presentation are required
- Excellent customer service skills and relationship skills
- Skilled user in MS Office software including strong Excel skills
- Demonstrate excellent organizational, administrative, leadership, and decision-making skills to work individually and supervise employees
- Strong attention to detail and strong follow up skills
- Organizing, multi-tasking, interpersonal and strong communication skills are required
- Excellent communication skills - Role requires conferencing/collaborating with internal teams/outside vendors across time zones
How to write Credit Specialist Resume
Credit Specialist role is responsible for customer, analytical, excel, computer, credit, interpersonal, organizational, microsoft, english, sap.
To write great resume for credit specialist job, your resume must include:
- Your contact information
- Work experience
- Education
- Skill listing
Contact Information For Credit Specialist Resume
The section contact information is important in your credit specialist 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 Specialist Resume
The section work experience is an essential part of your credit specialist 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 specialist 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 specialist position you're applying to.
The work experience section should be the detailed summary of your latest 3 or 4 positions.
Representative Credit Specialist resume experience can include:
- Strong problem solving skills complimented by an ability to think strategically
- Experience in customer service and relationship building skills
- Excellent analytical skills regarding loan/credit review
- Strong risk assessment and credit skills
- Excellent customer relations skills as a problem solver with an interest in resolving customer issues
- Strong customer and business partner engagement skills
Education on a Credit Specialist Resume
Make sure to make education a priority on your credit specialist resume. If you’ve been working for a few years and have a few solid positions to show, put your education after your credit specialist 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 Specialist Resume
When listing skills on your credit specialist 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 specialist skills:
- Excellent oral and written communication skills; excellent customer relations skills
- Analytical skills -Excellent verbal and written communication skills
- Olid and proven automotive finance experience including previous senior-level, advanced credit buying experience
- A sense of responsibility, proactive, attention to detail, good communication skills, good team cooperation spirit
- A good team player with strong interpersonal and presentation skills
- Demonstrate dependability/sound decision making/self-motivating skills
List of Typical Experience For a Credit Specialist Resume
1
Experience For Senior Credit Specialist Resume
- Proven extensive experience in credit structuring, credit product development, credit portfolio management and credit sales
- Work effectively under tight timelines
- Having a solid understanding of the credit market & credit risk and how credit can be optimised to enable this broader agenda and client service
- Evaluating credit worthiness experience a benefit
- Solid working knowledge of the main credit principals for personal lending
- Solid working Knowledge of the main credit principals for commercial lending
- Solid working knowledge of the risk rating methodology for the risk rated complex credit book
- Experience working in a financial institution in a credit role, preferably with formal credit training
2
Experience For Letter of Credit Specialist Resume
- Good product knowledge and sound understanding of wealth management business
- Secure payment from customers while employing commercial sensitivity, business acumen and good judgement
- Experience with financial software and accounting systems
- Experience as a Credit Specialist at LendingClub with Level 3 lending authority
- Three (3) years or more of experience in commercial credit
- Two (2) years or more of experience in financial statement analysis
- Communicating the firm’s rating rationale and risk appetite to internal stakeholders
- Monitoring of partner limits, reporting overlimits and follow up
- Monitoring and reporting of bad debt
3
Experience For Transfer Credit Specialist Resume
- Investigating and resolving discrepancies on customer invoices
- Maintaining accurate and up to date disputes records and reporting
- Assessing credit availability on existing accounts at point of sale
- Engaging with the broader business, building close ties with the Front Office, Credit Product, Credit Risk, Legal and Service Team colleagues
- Working knowledge of SAP in an A/R environment
- Ongoing analysis of customers’ financial performance and completion of periodic review to ensure credit limit established is appropriate
4
Experience For Loan Credit Specialist Resume
- Developing credit professional knowledge, applies company policies and procedures to resolve a variety of issues
- Training in financial/credit analysis
- Creating reports for Sales Leadership related to Current Client Credit Status'
- Working knowledge of credit and collection concepts
- Checking that facilities are approved by the appropriate designated authority level
- Using initiative, creativity and solution oriented approach to achieve targets
- Maintaining close cooperation with Cash Collections, Customer Service and Sales Team
- Ensuring process documentation is in place
- Recommending improvements of end-to-end processes
5
Experience For Mortgage Loan Credit Specialist Resume
- Supporting in development and implementation of best-practice processes
- Escalating any risks or concerns quickly to management, to achieve rapid resolution
- Complete HMDA reviews of files and ensure that HMDA reporting and loan closing exception report reporting are clean
- Knowledge of billing procedures and collection techniques (including skip tracing)
- Authorizes extension of credit for new business relationships and extended terms (for Marketing specials) for existing customers
- Communicates with customers regarding billing issues and other general inquiries
6
Experience For Domestic Credit Specialist Resume
- Handle incoming and outgoing calls for credit related matters
- Analyze risk on customer accounts, making sound decisions to ensure recovery while maintaining high customer satisfaction levels via TBASS scores
- Assists the Credit team with required monitoring and updating of customers and vendors credit information
- Capable of working in fast-paced and changing environment Customer service oriented and responsive to customer and business inquiries
- Researches and examines credit risks, assessing credit history, and suggesting increases or decreases for extension of credit
- Assist in monitoring the existing portfolio to ensure quality credit and avert any potential signs of default
- Assist with the loan portfolio by running credit applications and assembling loan files
- Approve orders for shipment and/or billing after ensuring they meet F5’s credit requirements
- Knowledge of medical terminology, insurance billing and reimbursement
7
Experience For Junior Credit Specialist Resume
- Reviews, spreads, and analyzes financial information for borrowing customers
- Perform daily credit control activities: cash collection, aging analysis, contact with customers to speed-up collection and achieve related targets
- Download reports and enter payment information into online web banking platform
- Respond to other departments regarding credit inquiries
- Reviews and processes pending orders within the policies of the Credit department
- Communicates customer interaction with the Sales and Marketing departments
- Provide support to the Billing Support Representatives
- Fulfills customer’s requests for duplicate invoice copies, shipping papers, proofs of delivery or other documents as needed to reconcile accounts
- Initiation, monitoring and management of remedial action on breaches incl. liquidation if required
8
Experience For Temporary Credit Specialist Resume
- Recommend cancellation or suspension of spending privileges where required
- Desire to learn and hard-working
- Oversees maintenance and updating of credit files, legal and government documents
- Fulfill customer’s requests for duplicate invoice copies, shipping papers, proofs of delivery or other documents as needed to reconcile accounts
- Use all means necessary (invoices, conversation documentation, credits, debits, etc.) to collect outstanding debt to the company
- Maintain and follow up on “proof of delivery” claims which help to resolve outstanding items on an account
- Review orders for release from shipping and credit hold independently
- Perform special tasks regarding customers’ accounts when asked upon by Credit Manager
9
Experience For Credit Specialist, International Resume
- Work with merchandising and origination managers to understand and document suppliers and customers business and volumes
- Perform risk assessments on both existing and potential customers / suppliers, both companies and private entrepreneurs
- Partner with Billing and AR related to client name changes or other similar situations
- Partner with various departments to resolve and correct payment and billing discrepancies
- Maintain credit notes, payment promises and disputes within the Get Paid reporting system
- Prepare and execute appropriate documents and communication related to customer programs, (rebates, hauling agreements, etc.)
10
Experience For SBA Credit Specialist, Senior Resume
- Held accountable to meet reoccurring performance metrics, key business metrics, and to provide key reports to Credit Manager
- Listen to dealer opposing viewpoints with an even disposition
- Provide guidance, support, and training to fellow staff members
- Learn and utilize our various accounting data systems
- Knowledge of basic accounting principles and procedures
- Basic understanding of credit laws of each Wirtz state
- perform standard credit hold order review in a timely manner while maintaining store relationships
- Perform standard collections of unpaid customer account balances while maintaining customer relationships
List of Typical Skills For a Credit Specialist Resume
1
Skills For Senior Credit Specialist Resume
- Good communication skills, ability to communicate effectively at all levels
- Excellent analytical skills using financial and accounting principals
- Strong interpersonal, communication and listening skills.Comfortable with 24/7 shifts
- Excellent analytical and problem solving skills, process minded thinker
- Strong PC skills including Microsoft Outlook, Excel and Word
2
Skills For Letter of Credit Specialist Resume
- Strong troubleshooting, technical and mathematical skills
- Excellent multi-tasking and organization skills
- Excellent organizational/analytical skills with a problem-solving mindset
- Demonstrated ability to utilize judgmental commercial credit underwriting skills to render a decision
- Strong computer skills Advanced Excel and SAP transactions required
3
Skills For Transfer Credit Specialist Resume
- Proven ability to effectively solve customer problems
- Have strong and efficient communication skills
- Strong data management/analysis skills
- Strong computer skills (Excel) & preference for SAP knowledge
- Strong communication skills are necessary to be able to deliver adverse messages to customers and clients
- Demonstrate ability to effectively work high-risk accounts that are referred via Fraud Risk case set-ups
- Demonstrate ability to work effectively within a team environment as well as independently
- 5) Good inter-personal and communications skills
- Strong communication skills, especially with in internal stakeholder and customers
4
Skills For Loan Credit Specialist Resume
- Strong organizational and communication skills with the ability to multi-task and consistently deliver results within tight deadlines
- Strong strategic and execution skills
- Effectively work as part of a fast paced, dynamic and highly motivated team with strong attention to detail
- Strong analytic, interpersonal and communication skills (both written and verbal)
- Basic office skills – filing, copying, emailing, mailing, scanning
- Experience in credit marketing/structuring, sales, Private client and/or trust lending experience are desirable
- Critical thinking, decision making, and problem solving skills are required
- Skills / Knowledge - Working knowledge of credit bureaus and reporting, financial statements and payments industry guidelines
- Use critical thinking, sound judgment, and decision-making skills to solve problems
5
Skills For Mortgage Loan Credit Specialist Resume
- Work independently and be detail oriented especially when it comes to effectively documenting transactions
- Strong analytical approach to problem solving & strong team player
- Demonstrated sales experience (retail, banking, etc.)
- 2) Experience: 2-3 years relevant working experience in MNC
- One (1) or more years of experience, preferably in the banking or financial services industry; or appropriate combination of education and experience
- Prior experience with accounting system data entry
- Proficient computer skills and a working knowledge of Microsoft Office
6
Skills For Domestic Credit Specialist Resume
- Prior experience working with detailed data on a daily basis
- To continuously manage the Collections process. Demonstrate a strong risk management mind set, the use of balance sheet and P&L analysis is essential
- Execute basic math skills
- Exhibits the ability to utilize judgmental commercial credit underwriting skills to render a decision
- Able to effectively communicate in verbal and written form to customers, employees, and management
- Languages skills: fluent in English and French, knowledge in a third language (German/Spanish/Portuguese) would be considered a real asset
7
Skills For Junior Credit Specialist Resume
- Experience in negotiations, customer service and effective delivery of services
- Learn a wide variety of technical and business skills
- High level of initiative and problem solving skills
- Demonstrated experience working with technological platforms used in a Registrar’s Office
- Sound analytical skills and Have a grow mindset
- Previous experience is strongly desired in a Call Center environment
- Experience in order validation or order entry
- Able to create, follow and work effectively in a team environment
8
Skills For Temporary Credit Specialist Resume
- Proven experience with bank rate negotiations highly desired
- Advanced computer skills in Microsoft Work & Excel
- Communicate effectively (written and verbal) with associates, peers, managers and customers, in person and on the phone
- Effectively interact with personnel across the organization at different levels
- Effectively negotiate and discuss alternate payment arrangements
- Communicate effectively with various levels of personnel and management at the customer and AVX to resolve problems and outstanding debts
- Effective and professional business writing and communication skill
9
Skills For Credit Specialist, International Resume
- Able to communicate effectively both internal and external is required
- 2, Good communication skill, and be able to work under high pressure
- Demonstrated experience in business or commercial segment client relationship management
- Working experience in Japan Operations with knowledge including card products and system
- Maximize client profitability through application of profitable pricing/fees on financing products resulting from effective negotiations
- Experience utilizing credit and financial risk reporting systems, i.e. Dun & Bradstreet, Creditsafe, etc
10
Skills For SBA Credit Specialist, Senior Resume
- Previous experience working with data and word processing software
- Proven track record for servicing and driving VOCM scores
- Listens attentively, and takes responsibility for understanding others – strong critical thinking/analytical command
- Strong emphasis in Finance or Accounting (6 hours Finance/9 hours Accounting required)
- Good at problem solving, thinking creatively and on your feet
- Close working relationship with the Private Banking Advisor and Associates to ensure effective credit applications and management for their clients
List of Typical Responsibilities For a Credit Specialist Resume
1
Responsibilities For Senior Credit Specialist Resume
- Strong analytical and problem solving skills. Challenging and enquiring mind
- Project management and leadership skills, including the ability to work as a team member, maintain project timelines, budgets, and deliver on commitments
- Effectively communicate American Express concerns while ensuring customers that they are valued
- Have Fluent English speaking and written skills both English and mandarin
- Work independently as well as in a team, effectively, and efficiently
- Demonstrated ability to meet aggressive deadlines per client demands and ability to change the work schedule to accommodate competing priorities
- Fluency in English and first class written and verbal communication skills are a requirement of the position
2
Responsibilities For Letter of Credit Specialist Resume
- Demonstrated understanding of fair lending issues, HUMDA, rules, and various regulations that directly impact the commercial lending areas
- Close working relationship with risk management adjudication to ensure strong support of credit requests within Private Banking
- Commercial lending or work out experience, preferably in the banking industry
- Demonstrated knowledge of EXCEL spreadsheet and WORD processing programs and / or Application Processing System
- Experience working with large customer base and in resolving disputes
3
Responsibilities For Transfer Credit Specialist Resume
- Preferably 3+ years of experience in the consumer lending industry
- Experience as a Credit Specialist with Level 3 lending authority
- Experience working with customers in a collections capacity in a service based industry
- Relative working experience
- Graduates or 1-2 years working experience in a multinational and multicultural environment
- Demonstrate understanding of and consistent application of transfer credit policies, practices and guidelines
- Experience with various types of collateral support documentation, including letters of credit, guarantees, and escrow agreements
- Experience with developing credit analysis spreadsheet models
4
Responsibilities For Loan Credit Specialist Resume
- Experience working with a variety of in-house and remote site business units
- Experience in accounting and customer service
- Experience in an accounting, finance, customer service and/or business-related position
- Computer literate with a solid working knowledge of current internet technology and the ability to research information for business related purposes
- Proven track record working with small businesses and consumer accounts is desired
- Experience in cash flow, leveraged, borrowing base and owner occupied commercial real estate loan structures
- Experience in book keeping, accounts receivable or similar responsibilities
- Experience with international shipping/transportation of commodities highly desired
- Related work experience (Payment industry, underwriting and risk management, financial statements and basic Bank and Association rules)
5
Responsibilities For Mortgage Loan Credit Specialist Resume
- Commercial credit and accounts receivable collection experience
- Work experience in credit analysis
- Experience in accounts receivable, credit and collections is highly desirable
- Experience approving and managing counterparty credit risk within a major counterparty sector, i.e., developed or emgering markets corporates, etc.
- Senior experience in corporate lending or capital markets credit risk in an adjudication capacity, or as a bank examiner focused on credit risk
- Experience in an accounting, finance, customer service and/or business-related positions
- Strong Knowledge of MS Access and SQL programming language
6
Responsibilities For Domestic Credit Specialist Resume
- Experience with JD Edwards or comparable enterprise resource planning system
- Experience with billing systems and payment portals
- Experience with credit reporting agency inquiry systems to vet applicant credit history
- 2, Consolidate monthly AR report and make analysis
- Ensure that Customer accounts are in good order
- Credit management or other relevant experience from AR or Collection
- Strong knowledge of traditional bank products and services including deposits, credit cards, mortgages, etc
- Promoting customer goodwill
- Demonstrate high level of accuracy and thoroughness in implementing Underwriting decisions
7
Responsibilities For Junior Credit Specialist Resume
- Experience in using ERP
- Previous credit experience is desired
- Customer service and/or retail sales experience
- Highly consultative, self motivated individual with 1-3 years of credit analysis experience preferably in financial services or call center environment
- Assisting in tracking counterparty exposures and accounts receivable, and assisting Accounting and Business Development groups in collecting past due amounts
- Reviewing and assessing risk by accurately verifying income, employment and other required documentation during the loan application process
- Supporting Private Bankers in originating and structuring and closing credit–related opportunities
- Reviewing accountant prepared financials, tax returns, analysing credit reports and researching businesses
8
Responsibilities For Temporary Credit Specialist Resume
- Resolving and preventing future recurrence by educating customer / Program Administrators on capabilities of the BTA product
- Scheduling closings with customer and coordinating with branches
- Negotiating credit support, including letters of credit, guaranties or pre-payment arrangements
- Doing what's right: Committed to acting with honestly, integrity and in the best interest of our customers
- Assessing the creditworthiness of new and existing customers to ensure credit risk is mitigated
- Reviewing and releasing orders to maximize sales
- Supplying information to SalesForce for pre-call planning before customer visit
9
Responsibilities For Credit Specialist, International Resume
- Understanding German and Austrian banking procedures and direct debit markets
- Identifying potential new products to enhance our product offering
- Acting as the a point of contact between sales management and the credit department
- Making sound and high quality recommendations to management on complex and/or high value deals
- Reaching out to Insurance Company’s for Home Owners insurance binders
- Providing analytical support to evaluate credit risks of structured transactions
10
Responsibilities For SBA Credit Specialist, Senior Resume
- Managing a group of customers’ accounts in line with credit policy
- Flagging risk and concerns to Credit Manager and Finance Directors
- Preparing Credit Management Reports
- Maintaining close cooperation with Customer Service, Sales and Finance Teams
- Working knowledge of Alaska lien laws and contractor surety bond laws
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