Manager Credit Resume Sample
Work Experience
- Perform quarterly testing of the Exceeds Authority function within CARM by reviewing a selection of credit applications and confirming they have been approved within discretionary lending limits
- Coordinate the preparation of CRRI’s quarterly reporting to the Bank’s Audit & Risk Committee on behalf of CRRI
- On-Boarding/Originations: Supporting Retail products, Credit Card, Deposit Accounts/Customer Welcome Offers, Small Business & Commercial in Canada, and, Small Business in the US
- Retention/Account Management: Supporting Retail, Credit Card, Small Business & Commercial in Canada, and, Small Business in the US. Including decision automation for Collections Operations in Canada
- Advanced knowledge and use of office productivity tools (MS Office, Outlook,etc.)
- Use SAP FSCM module is an added advantage
- Review in detail all changes from GSEs, investors, MI companies and Homeward (Ocwen’s Forward Lending Channel) and make recommendations to various governing bodies within Ocwen/Homeward for implementing such changes
- Ownership of all communication related to all Sellers’ and Lenders’ Guides
- Superior risk assessment and analysis skills, including Moody’s Risk Analysis
- Maintains responsibility for applying the company’s credit policies, practices and procedures to the credit requirements of a designated number of customer accounts within specified dollar limits or normal credit lines
- Personally handles credit issues beyond subordinates’ authority, major accounts requiring individual attention, marginal accounts, problem accounts, special credit arrangements and deviations from standards
- Plans and maintains a program for systematic follow-up and collection of receivables. Reviews regularly the status of collections to assure that accounts receivable are in reasonable sound condition
- Checks monthly balances of customers and takes appropriate steps to prevent past-due accounts. Follows closely the course of aging accounts and determines action to be taken personally or by assistants on delinquent accounts
- Negotiates the acceptance of notes, compromise settlements, partial payments, time extensions, and the writing off of uncollectible accounts within approved authority levels
- Arranges for forced collections and the filing of suits or bankruptcy claims, and furnishes complete information to third-party representatives
- Represents the company at creditors’ meetings and bankruptcy proceedings
- Supervises processes and procedures relating to the use of collateral, insurance claims, lien instruments, and the like
- Takes appropriate action on the collection irregularities (such as payment discrepancies and unearned discounts), adjustments (shipment errors, etc.), and customer complaints and inquires
- Supervises collection correspondence
- Thorough knowledge of SDA’s products, services, and operating systems. The incumbent works independently within approved authorities and Bank policies
- Directs all activities associated with a full agenda of an operating department’s day-to-day production regimen
- Provides training, coaching, mentoring to staff as appropriate and provide development opportunities to meet the organization’s future needs
- Designs, implements, and manages necessary operational workflows; meet internal and external SLA’s (Service Level Agreements)
- Supports and administers various departmental and corporate policies consistent with the company’s core values and philosophies
- Credit and financial analysis, extension of credit, changes to levels of credit, and strategy pertaining to sales support and loss mitigation
- Support or lead efforts to operationalize new segments of business; act as project resource (SME) for new initiatives
- Provide both tactical and strategic advice, coach/mentor and develop staff and provide oversight and drive new hire process for a team of analysts
Education
Professional Skills
- Strong numeracy skills, analytical and problem solving skills
- Excellent time management skills & excellent ability to meet tight deadlines
- Demonstrated writing/oral communication and presentation skills—effective across vertical/horizontal lines of organizational structures
- Proven interpersonal and communications skills to successfully conduct operational activities, and influence others to become operationally effective
- Strong PC skills are necessary as the incumbent uses a PC for a variety of operational, service management and related activities
- Strong research, analysis, planning, organizational and problem solving skills
- Strong analytical, planning, organizational, and problem solving skills
How to write Manager Credit Resume
Manager Credit role is responsible for analysis, credit, analytical, financial, training, leadership, risk, interpersonal, organizational, microsoft.
To write great resume for manager credit job, your resume must include:
- Your contact information
- Work experience
- Education
- Skill listing
Contact Information For Manager Credit Resume
The section contact information is important in your manager credit 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 Manager Credit Resume
The section work experience is an essential part of your manager credit 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 manager credit responsibilities. It's meant to present you as a wholesome candidate by showcasing your relevant accomplishments and should be tailored specifically to the particular manager credit position you're applying to.
The work experience section should be the detailed summary of your latest 3 or 4 positions.
Representative Manager Credit resume experience can include:
- Proven ability to develop staff while maintaining a positive work environment and demonstrated conflict management skills
- Proven leadership skills in building relationships internally and externally
- Excellent English and German written and spoken communication skills
- Result oriented personality with excellent organizational and analytical skills
- Demonstrated ability to effectively manage and coach for development
- Proven experience in seeing projects to completion, managing a team and delegating tasks appropriately
Education on a Manager Credit Resume
Make sure to make education a priority on your manager credit resume. If you’ve been working for a few years and have a few solid positions to show, put your education after your manager credit 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 Manager Credit Resume
When listing skills on your manager credit 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 manager credit skills:
- Strategic thinker and problem solver with demonstrated negotiating skills and experience
- Essential skills include recognizing, attracting, and developing talent; ability to manage and lead virtual teams; excellent analytical ability
- Strong internal customer influence and change management skills
- Strong computer skills essential, in Microsoft Word, Excel, and PowerPoint
- Excellent interpersonal & tact skills
- Excellent ability to build strong internal/external business partnerships & excellent ability to retain & grow those relationships
List of Typical Experience For a Manager Credit Resume
Experience For Manager, Credit Resume
- Excellent leadership and public relationship skills
- Has strong and specific experience in a credit role at a bank, preferably in an approval role
- Experience in and passion for the global card acquiring ecosystem
- Identify and improve efficiency and effectiveness within the teams
- Liaising with central group-wide Derivatives Regulatory Reform team
- Reporting on KPI’s to GTS Management
- Notarizing of invoices and scripts as needed
- Manages the day-to-day workflow to ensure sound and timely due diligence in loan underwriting while conforming to Bank policies and procedures
Experience For Manager, Credit Services Resume
- Assist in accelerating revenue growth through equitable pricing of credit spread and fees
- Responsible for working with the international private bankers within Canadian Private Banking
- Authorize credit memos and ensure accurate coding depending upon the nature of the credit
- Accountable for minimizing bad debt while not exceeding the $7M corporate plan
- Apply operating guidelines by establishing work procedures / approaches
Experience For Credit Senior Manager Resume
- Assist customers with loan restructuring and refinancing alternatives to enhance cash flows and lower debt cost
- Review data for trends, patterns and causal analysis to assist in understanding of customer behaviors for credit, marketing and product development purposes
- Point of contact for issues with, and problem resolution pertaining to Sales, Sales Operations, Legal, CSCA and implications on a portfolio of accounts
- Work with the Directors, Credit Products to further develop and execute the delivery of credit marketing strategies throughout the WMI business
- Raise concerns / issues to management surrounding individual credits that present a heightened risk to the firms’ balance sheet
- Highly service oriented; acts proactively and independently using knowledge based judgment within assigned authority
- Collaborate with key partners such as Risk Management to provide winning solutions for clients
- Manage credit risk on a portfolio of high net worth clients through quality credit underwriting and continuous portfolio management routines
- Ensure that stress testing meets regulatory requirements
Experience For Senior Manager, Credit Resume
- Recommend customized lending/credit solutions to meet the needs of our high net worth clients
- Understand & adhere to all corporate guidelines for pricing, legal, product, Gold Notes, SOX & country specific laws
- Master all collections process through iCollections combining collection efforts via phone & email to the Client
- Customer growth opportunities and future business expansion by identifying potential opportunities
- Enhanced overall customer satisfaction by championing customer service initiatives
- The ability to work autonomously and as part of a team with particular emphasis on successfully building collaborative relationships internally and externally
- Margin Review - focus on margined borrowing CMB & GBM clients
- Prepare working models and implementation options on ideas / concepts (typically generated elsewhere)
Experience For Credit & Colletctions Senior Manager Greater China Resume
- Ensure departmental service levels regarding application turnaround times and approval rate optimization targets are met
- Manage the preparation of credit rating reports on customers
- Investigate financial standing and approve (or reject) credit applications
- Liase with marketing and guide sales staff with information to help promote our services
- Assist Sales in delivering value propositions to customers as they relate to time value of money
- Manage all phases of the credit review function including the decision process and staff development
- Manage all phases of the collections function including the decision process and staff development
Experience For Senior Manager, Credit Cards Resume
- Manage collection and/or credit activities associated with establishing collection procedures
- Analyze accounts receivables and assess the aging of accounts
- Work closely with Executive and Senior Sales Management and Customers to negotiate appropriate financing
- Make recommendations to senior management regarding credit/collection processes
- Recommend credit limits and define parameters for determining appropriate risks at various levels outside your normal authority
Experience For Credit Bureau Disputes Manager Resume
- The incumbent works independently within approved authorities and Bank policies
- Assist the Credit department in its business development activities, including client visits, & participate in credit training sessions for client facing professionals and marketing events
- Sales, Retail, Finance, Customers
- Responsibility for the integrity of information transcribed from approved eTR’s to loan and security documentation
- Responsible for team’s data quality integrity and for the coordination of any related remediation exercises
Experience For Manager AA Credit Union Payments Servicing Resume
- Review advertising/publicity/promotional materials (including but not limited to one-sheets, TV spots, Trailers, EPK’s) for all Fox divisions (including acquisitions) from a legal standpoint making sure that all materials are compliant with the various guilds as well as individual personal services contracts
- Managing customer’s expectation, both internal and external
- Good knowledge of the market, customer's requirement and general banking products, and reasonably good understanding of SAFE/CBRC/PBOC's regulations and different manufacturing/trade patterns
- Experience in risk approval / risk related roles
- Have experience in the management, mentoring or development of a risk team
Experience For Manager, Credit Bureau Disputes Resume
- Have three-five years of related experience
- Monitoring customer collections and issuing aging reports
- Defining and analyzing customer exposures and creditworthiness
- Monitoring customer credit portfolio and KPI’s (exposure, limits, insurance, overdues & DSO)
- Coordinating Novelis Europe Credit Committee meetings
- Fluency in both English and Chinese
- To verify credit approvals are in accordance with the delegated approving authorities and all approval terms and conditions are complied with the Bank’s internal credit and legal policies and guidelines
- Coordinates appropriate on-call emergency hotline coverage across the entire Payments & Digital Services department to ensure adequate support of the credit union’s CARE credit card platform
Experience For Credit Practices Manager Resume
- Facilitate support and allocate team resources to increase capacity, optimize operational efficiency and effect timely completion of credit applications and approvals within CWB’s established lending policies, procedures and guidelines
- Manage the Branch’s (EFG only) Loan Expiry report to ensure annual reviews are being completed within prescribed time frames
- Completion of a formal credit training program is desired
- Work with minimal supervision to pro-actively reduce Direct Energy’s expenditures and to achieve or exceed targeted cost reductions for assigned commodities
- Manage the credit and collection function for Tribune Broadcasting station’s local advertising sales for multiple markets
- Responsible for the monitoring and overdue reason check of dealer receivables
List of Typical Skills For a Manager Credit Resume
Skills For Manager, Credit Resume
- Strong analytical ability with proven judgment and decision-making skills
- Excellent customer relation skills and a demonstrated ability to influence others
- Strong leadership and people management skills necessary to motivate, train, coach and develop staff
- Excellent interpersonal, analytical, and negotiation skills
- Excellent communication skills and ability to discuss complex issues with multiple stakeholders
- Strong skills to ensure credit structures are within CWB’s thresholds for risk
- CMB & GBM Relationship Manager experience with understanding and strong working knowledge of CARM and CARM Express
- Demonstrated experience training / coaching a team
- Ensure staffing, orientation and promotions are conducted effectively and professionally
Skills For Manager, Credit Services Resume
- Exceptional risk assessment and analysis skills, including Moody’s Financial Analysis
- Team Building Skills – Able to Manage A Collection Team Efficiently
- Demonstrated experience with SQL or SAS programing is required
- Maintain specialized knowledge, skills, trends and changes, to be aware of industry changes
- Review and monitor daily productivity report of frontline staff to manage all workflow effectively
- Specialized Sales experience and demonstrated history of successful business development activities including ability to network in external markets
- Experience with 5 years of indirect lending and lease experience, preferably with a captive organization
- General PC skills and proficiency in Microsoft Office Suite required
Skills For Credit Senior Manager Resume
- Prior commercial or financial experience required
- Operating with increased freedom and responsibility to change direction or approach given multiple and conflicting priorities
- Skilled in financial analysis & accounting, risk assessment and developing creative financing proposals demonstrating sound credit judgment
- Ensures employees are provided with relevant experience, training, and coaching for current and future roles
- Self-starter with strong initiative willing to challenge the status quo, using tact and diplomacy
- Show a history of building strong positive working relationships with key stakeholders across multiple teams and levels of an organisation
- Strong knowledge of forecasting methodologies as well as using Aspect WFM (or equivalent software)
Skills For Senior Manager, Credit Resume
- Strong knowledge of accounting and financial principles, marketing and sales, credit analysis
- Strong working knowledge of Credit policies/product knowledge governing margin cards, collateral valuation, CARM and CARM Express
- Two years experience supervising employees or non-employee teams
- Proven business acumen and trade credit underwriting expertise
- Ensure that good credit risk quality is maintained for both new business acquisitions and the existing portfolio
- Completion of the Certified Financial Analysis program or equivalent financial analysis training, education or experience an asset
- Business/Commercial Lending a strong asset
- Completion of the Certified Financial Analysis program or equivalent financial analysis training, education or experience
Skills For Credit & Colletctions Senior Manager Greater China Resume
- Completion of the RBC Financial Analyst Certfication or equivalent financial analysis training, education or experience an asset
- Completion of the Financial Analysis Certification (FAC) program or equivalent financial analysis training, education or experience
- Credit analysis and portfolio management experience (in bank, leasing or captive environment) to include
- Experience in Accounting or Finance
- Manage cost ensuring effective unit cost control
- Proven ability to work efficiently and accurately demonstrating attention to detail and follow through
Skills For Senior Manager, Credit Cards Resume
- Private client and/or trust lending experience are desirable
- Experience driving internal stakeholders to a consensus on important issues
- Asset based Lending credit experience or portfolio management
- Demonstrated proficiency in all facets of commercial credit underwriting
- Five years experience in Corporate Security or similar role
- Strong knowledge of the centre's procedures related to Credit and Credit Cards
Skills For Credit Bureau Disputes Manager Resume
- Determine priorities and objectives through consultation and assign activities to team on the basis of CIBC’s and clients’ needs
- Establish and maintain effective key business relationships with both internal staff and external contacts
- Strong knowledge of the centre’s procedures related to Credit, including Capstone, Tsys and AS400
- Diverse experience across risk management functions with a depth of knowledge around cash flow analysis and lending
- Related office experience in one of the following areas: Customer Service, Collections, or Sales Support
- Excellent tenacious approach to collecting debts quickly
- Demonstrated capability in driving continuous improvement
- Flexibility to handle rapidly evolving priorities in a matrix organization
Skills For Manager AA Credit Union Payments Servicing Resume
- Excellent ability to communicate & present with a diverse audience at various levels & all countries & cultures within the organization
- Excellent ability to work in a fast paced, high pressure environment
- Excellent team player & coach
- Periodic travel to dealers and vendors to maintain and support strong dealer relationships
- Credit, AR/Collections management experience
- Experience with financial, legal, treasury, UCC, or bankruptcy issues
- Experience in commercial real estate
- Proven ability to interact with senior management and department heads
- Proven ability to analyze solutions and make recommendations to management
Skills For Manager, Credit Bureau Disputes Resume
- Proven ability to optimize the performance of a professional team
- Demonstrated client relationship attributes
- Strategic view, with strong knowledge of RBC’s businesses and organization
- Good knowledge of Bank’s source systems and associated databases
- Strong quantitative abilities and intuition
- Tenacity and strong bias for action
Skills For Credit Practices Manager Resume
- Monitor Chargeback team’s workload and prioritize when needed
- Professional experience in the area of Credit Risk or related
- Strong team player and ability to work in an international environment
- 1 – 3 years people management experience
- Good teamwork ethos
- Provides excellent customer service to both internal and external clients
- Demonstrated advanced understanding of financial statements, analysis, interpretation and GAAP
- Managing working capital and other Treasury initiatives (i.e. receivables financing programs) and driving process improvements
List of Typical Responsibilities For a Manager Credit Resume
Responsibilities For Manager, Credit Resume
- Excellent interpersonal skills and have the ability to perform in a diversified operation
- Relevant experience with 5+ years’ managerial experience in finance, preferably controlling or accounting in multinational companies
- A proven record of significant cost reductions in goods and services related to Direct Energy’s requirements
- Experience managing interchange costs, debit routing strategies, and compliance with card network operating rules
- Experience in underwriting, analyzing and managing commercial credit relationships
Responsibilities For Manager, Credit Services Resume
- Demonstrated in-depth understanding of financial statements, analysis, interpretation and GAAP
- :5 years of credit management experience
- Strong understanding of credit / debt market in US, including trends
- Adopting and responding to change
- Working knowledge of the bank’s commercial and/or retail risk data marts and risk data sources
- Working knowledge of legal / documentation issues
- Processing credit card transactions. Posting of credit cards and wire transactions to client accounts
- Invoicing and uploading of Electronic Invoices
Responsibilities For Credit Senior Manager Resume
- Participates in credit structuring and negotiation strategy discussions with Asset Based Lending officers including participation in customer calling
- Maintain a strategic view of department by monitoring and reviewing current processes and developing ideas related to optimizing Credit Services operations
- Business partnering with the commercial teams, creating / maintaining direct communication with customers when needed
- Environmental understanding including knowledge of competitive marketplace banking products
- Collaborate with Banking counterparts to improve customer satisfaction survey results in line with Commercial Banking's objectives
Responsibilities For Senior Manager, Credit Resume
- Established ability to find financing solutions that facilitate sales while managing AR risk appropriately
- Use SAS to deliver stress testing projections by implementing scenarios and methodologies
- Build on the “digital first’ banking capability for consumers
- Monitor emerging trends and risks across the market and portfolio,
- Establishes performance goals, allocates resources and assess performance of team. Ensures team efforts are focused on achieving branch goals
- Accelerates revenue growth through equitable pricing of credit spread and fees
Responsibilities For Credit & Colletctions Senior Manager Greater China Resume
- Champion change by creating an environment that promotes change
- Act as role model by promoting successful change efforts
- Be comfortable debating different points of view
- Provide expertise and support for situations requiring escalation from internal and/or external customers, as needed
- Provide regular coaching and feedback to team members and help develop the capability of a team of Credit-AR portfolio analysts and managers
- In-depth knowledge of the Bank’s Automated Lending Decision Tools (e.g. STRATA)
- Familiarity with financing alternatives in a trade (B2B) credit environment
- Manage credit risk on a portfolio of Top Tier Clients through quality credit underwriting and continuous portfolio management routines
- Prepare & provide key metrics & collection results pertaining to team targets on cash collection & delinquency goals to CFS management
Responsibilities For Senior Manager, Credit Cards Resume
- Personal Financial Planning an asset
- Hold primary responsibility for client credit relationship and conduct detailed discovery to enable structuring of innovative credit solutions
- Conduct credit analysis for routine financing applications and prepare recommendations for approval
- Customer Contact Regarding Past Due Balances
- Typically reports to Senior Manager Credit Services
- Proposal of internal credit control procedure improvement
Responsibilities For Credit Bureau Disputes Manager Resume
- Preliminary assess Dealer’s F/S and credit status evaluation
- Work with dealer’s related consultants for solution of seriously overdue cases
- Provides Credit Union information to existing and potential members by actively promoting appropriate products and services. Research, develop and implement aggressive Business Development programs to increase consumer loans and deposit growth
- Responsible for all branch operating equipment and security cameras. Ensures branch is stocked with necessary supplies. Ensures that all account services are appropriately logged and accounted for
- Prepares branch operational reports and budget on account, deposit, and consumer lending. Meets personal and sets designated employee product sales and services goals, deposit and lending growth and manages performance
- Approve new and existing loans for SME, Corporate and Middle Market clients,
- Work with business stakeholders to deliver commercial outcomes and efficient turnarounds,
- Manage project, policy and compliance work that adds value, and
Responsibilities For Manager AA Credit Union Payments Servicing Resume
- Positively influence the culture of the Bank
- Have demonstrated experience in a risk management role with a strong capacity to understand risk, interpret financial statements and negotiate commercial outcomes
- Have strong resilience and the ability to defend their view when challenged
- Be a ‘self-starter’ with a growth mindset and desire to learn
- Be flexible and able to work in a fast paced and dynamic environment
- Possess an inquisitive mind and a passion for current affairs
- Selects, coaches, evaluates and develops all direct reports; oversees training of team in the areas of member services, products and services, operations and interpersonal skills. Ensures team members attend appropriate service and operational training
- Provides consultative services to Members regarding credit union products and services and ensures that team members are providing consultative services by assessing the Member's needs, addressing their concerns and gaining agreement
- Responsible for Asset Based Lending credit approval and portfolio administration
Responsibilities For Manager, Credit Bureau Disputes Resume
- Participates as a member of the Asset Based Lending Leadership Team
- Researches, evaluates, and implements department and/or divisional projects
- Ensure compliance with credit policies so that an acceptable level of risk is maintained
- Take and / or recommend credit decisions and take follow-up action for customer portfolio
- Ensure compliance with Novelis credit risk policy and regulations
- Work closely with treasury operations
Responsibilities For Credit Practices Manager Resume
- Internal and external partnerships to drive operational excellence across Financial Operations and T-Mobile. Assists in business evaluations to identify future opportunities for improvement and barriers to achieving strategic and financial objectives
- Manage a team of 6 direct reports
- Provide oversight to a team of credit managers & analysts, coach/mentor and issue escalations
- Lead efforts to operationalize new segments of business, act as project resource (SME) for new initiatives
- Key resource for work out scenarios and management of risk; owns equipment ADA results
- Point of contact for issues with, and problem resolution pertaining to Sales, Legal, Retail Partners, CSCA and legal implications on a portfolio of dealer accounts