Manager, Credit Risk Resume Sample
Santiago Wisozk
7883 Raphael Overpass,
Detroit,
MI
+1 (555) 125 3770
Work Experience
Senior Manager, Credit Risk Policy
09/2015
-
PRESENT
Phoenix, AZ
- Rewrite assigned commercial credit risk policies under the new commercial policy simplification framework including engaging appropriate subject matter experts and conducting necessary investigation and research to support necessary Topic revisions and cancellations
- Develop new commercial credit risk policies where required, performing necessary investigation and research to support recommendations within the new Topic
- Provide risk oversight for the development of integrated operating procedures to align processes across all business segments in compliance with Regulatory and Audit requirements
- Provide Risk input and effective challenge for specific industry and product credit policy, guidelines and procedures and exposure limits to articulate risk appetite in support of a business unit’s lending strategy
- Partner with Subject Matter Experts in the LOB, Transactional Credit, P&C Headquarters Units, Corporate Audit, Legal and Compliance and other Risk functions to determine appropriate content of P&P’s
- Respond to LOB, Transactional Credit / Risk, P&C Headquarters, Corporate Audit, Legal and Compliance on P&P related questions
- Assess/recommend process efficiencies through policy review work
- Develop and maintain credit risk owned Financing Guidelines and Enterprise Operating Procedures including engaging appropriate subject matter experts and conducting necessary investigation and research to support development and necessary revisions and cancellations
Manager, Credit Risk
05/2013
-
06/2015
Philadelphia, PA
- Develop and provide risk oversight for the development of integrated Enterprise operating procedures to align processes across all business segments
- Provide Risk input and effective challenge over business owned industry and product credit risk Financing Guidelines procedures ensuring alignment with Corporate Policies and Standards, appropriate reflection of Bank Risk Appetite, alignment across other business groups where appropriate and support the Bank’s simplification efforts
- Manage complex internal enterprise credit risk management processes
- Ensure the enterprise credit risk policy remains abreast of regulatory developments and business requirements
- Partner with Subject Matter Experts in the LOB, Transactional Credit, P&C Headquarters Units, Legal and Compliance and other Risk functions to determine appropriate content of Policies & Procedures
- Act as a subject matter expert across all enterprise business units on credit risk policy. Provide sufficient, timely and reliable Policy/Standard interpretation and guidance on credit risk issues
- Work with colleagues in the Portfolio Management group and manage and/or participate in high impact projects related to credit risk policy/portfolio management/other issues that have strategic importance to the enterprise
- Policy updates include objectives and requirements that are relevant and attainable
Senior Manager Credit Risk
11/2010
-
02/2013
San Francisco, CA
- Current organizational structures are properly reflected
- Financing guidelines/operating procedures align with Corporate Policy and Corporate Standard requirements
- Regulatory requirements are identified and appropriately managed
- Known issues, such as audit deficiencies are considered in policy updates
- All previously advised or published changes are incorporated in the operating policy
- Support and provide risk oversight over communications change management plans (circulars, news items, leadership notices) relating to policy updates
- Provide risk oversight over new/revised Franchise and Industry Programs created/revised by National Industry Programs
- Ensure that Franchise and Industry Programs include an appropriate credit structure for these transactions; align with current policies and procedures; and are clear and provide sufficient support to lending personnel. sectors
- Identify efficiencies through automation in the areas of business processes, integrations, and data loads
Education
University of Phoenix - Hawaii Campus
2004 - 2009
Bachelor's Degree in Business
Professional Skills
- Direct the development and maintenance of sophisticated credit risk strategies using analytics, predictive modeling and expert knowledge while optimizing system capabilities to maximize automated decisions, support efficient manual adjudication and contribute to overall frontline lending productivity
- Accountable for driving risk adjusted return by optimizing risk and reward and generating good quality balance growth within the bank’s approved risk appetite
- Effectively and efficiency utilize the decision strategy change management process including simulation, validation testing, statistical tools, business case preparation and the identification and implementation of report requirements to allow for evaluation of the effectiveness of the proposed new or modified strategies
- Upon implementation of credit risk strategies, continuously monitor, via standardized and ad hoc reporting, to ensure strategies are performing within the bank's approved risk appetite. As required amend / refine strategies using the standardized credit strategy development tools and the decision strategy change management process
- Maintain a thorough understanding of the external environment including regulatory requirements, risk management techniques (i.e. best practices) and a general understanding of competitive offerings,. Acts upon trends within the marketplace where necessary, to ensure the primary mandate is met
- Maintain a thorough understanding of BMO’s Automated Lending Decision Engine (i.e. Strata), as well as accompanying credit systems, working closely with the Credit System Management Group to implement new or refine / modify current strategies
- Maintain a thorough understanding of BMO’s credit risk models, working closely with the Risk Methodology and Analytics Group to implement new or refine / modify models, in conjunction with business rules, within the credit strategies.
How to write Manager, Credit Risk Resume
Manager, Credit Risk role is responsible for leadership, credit, reporting, automation, sql, excel, powerpoint, sas, collaboration, microsoft.
To write great resume for manager, credit risk job, your resume must include:
- Your contact information
- Work experience
- Education
- Skill listing
Contact Information For Manager, Credit Risk Resume
The section contact information is important in your manager, credit risk 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 Risk Resume
The section work experience is an essential part of your manager, credit risk 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 risk 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 risk position you're applying to.
The work experience section should be the detailed summary of your latest 3 or 4 positions.
Representative Manager, Credit Risk resume experience can include:
- Excellent technical writing and spoken communication skills
- Strong people leadership skills are required
- Strong computer skills required to manage technology platforms used in the credit policy development and documentation process
- Excellent management and people development skills
- Strong interpersonal skills to guide others to a satisfactory outcome and have the ability to hold them accountable
- Desirable skills would include R, Python, and SQL
Education on a Manager, Credit Risk Resume
Make sure to make education a priority on your manager, credit risk 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 risk 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 Risk Resume
When listing skills on your manager, credit risk 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 risk skills:
- Maintain expert knowledge of the Personal Loan and Small Business Loan portfolio product characteristics / offerings and a working knowledge of Commercial products so to maximize credit strategies and identify cross-impacts / opportunities
- Undertake risk assessment of Product and Third Party Originators initiated projects / business proposals (e.g. new product offering) and implement strategies to support approved initiatives
- Strong communication and presentation skills required including ability to translate analysis into clearly defined and supportable strategies / policies
- Quality oriented, good communication skills, can work under pressure
- Advanced SQL and SAS skills; proficiency with reporting automation using tools like C++ or R helpful
- Use appropriate interpersonal styles and communicate effectively, both orally and inwriting, with all levels of the organizational
List of Typical Experience For a Manager, Credit Risk Resume
1
Experience For Senior Manager, Credit Risk Policy Resume
- Following the Bank’s Model Risk Policy, institute and execute ongoing validation protocols for material models
- Identify trends or root cause behaviors for frequently occurring audit issues or integration errors
- Provide Tier 3 support resolution of issues escalated by HRIS System Administrator; log tickets/work with HRIS Manager or vendor to resolve production issues (coordinate testing and issue sign-off)
- Monitor various systems integrations for errors and provide basic integration issue troubleshooting
- Project work / ad-hoc queries /daily and routine risk reporting
- Advanced knowledge and understanding of financial statement components and the ability to identify key risk within these statements
- Lead the credit function supporting the APP business programs
- Estimate the effect of changes in assumptions and/or constraints by performing impact and sensitivity analysis on the ALLL estimate required
2
Experience For Senior Manager, Credit Risk Mgmt Resume
- Ensure delivery of high-quality quality service to end users
- Provide analytical support on ad hoc projects or requests as needed
- Be cross-trained to back-up system administration activities: master data structures and table maintenance, security assignments for HR Systems such as Workday, Kenexa BrassRing, Oracle and other home grown systems
- Actively lead application / upgrades of Moody’s Risk Frontier to perform portfolio analysis test and develop solutions for wholesale and retail economic capital methodologies
- Develop approaches and review assumptions across risk methodologies, with emphasis on the Bank’s wholesale and retail credit risk (e.g. asset and default correlation models for wholesale entities; rating transition matrices/models; capital allocation approaches)
- Strong communication and interpersonal skills with the ability to communicate effectively at all levels (written and oral) with clients and internally
- Keep abreast of academic research, industry and regulatory practices with respect to credit portfolio risk modelling and inter-risk diversification
- Increase familiarity and usage of RBCFG systems, policies and process as it related to risk methodology responsibilities
- Management experience in Credit Risk and/or Commercial Credit and Collections/ Accounts Receivable environment, leading a team of similar size
3
Experience For Senior Manager Credit Risk Resume
- Credit risk models (PD, LGD, EAD, scorecards)
- RWA calculation under Basel 2 & 3 Focus areas (governance, policy, process and control)
- A sound understanding of the target market and demonstrate an awareness of the drivers of business decision-making within the banking and financial service industry
- Work with the salespeople and high net worth clients to obtain a deep understanding of the client’s financial position, through the review of personal financial statements, cash flows, tax returns, available collateral, diverse and sophisticated portfolios as well as through meetings with clients
- Conduct and enhance daily credit risk monitoring and data analytics
- Lead the London credit risk team on day-to-day risk management and collaborate with the ICE group colleagues on key policy and methodology development
- Develop and implement credit risk policies and internal credit models
- Ensure risk policies are adhered to and are compliant with regulatory initiatives
- Documentation and presentation of risk polices and models for members, regulators, risk committees and other governance functions
4
Experience For Manager, Credit & Risk Resume
- Analyse financial statements and accounts
- Plan and execute thematic and regular counterparty reviews/visits
- Respond to regulatory data requirements or the counterparty due diligence requests
- Knowledge of the financial derivatives and markets
- Self motivated, proactive, able to work independently and as part of a team
- Assist in the establishment and maintenance of the policies and procedures dictated by the VP of Credit and SVP Credit and Risk (Corporate) as they relate to credit evaluation, collection, and exposure control
- Lead the establishment and control of credit lines and payment terms
5
Experience For Senior Manager, Credit Risk Resume
- Inform management of collection and credit issues daily
- Represent the risk management voice in business discussions and decisions
- Receive customer information from multiple sources to perform risk analysis and make underwriting decisions within the guidelines of credit policies and procedures
- Review and assess the qualitative management adjustment framework portion of the ALLL model and methodology
- Review the control environment around the allowance and reserving process including but not limited to overall ALLL methodology and support/rationale for key assumptions
6
Experience For Senior Manager Credit Risk Strategies Resume
- Highly motivated with proven ability to work on own initiative within a challenging/dynamic work environment; exceptional interpersonal, team building, mentoring, and leadership skills with a demonstrated ability to gain the confidence and respect of senior-level executives
- Detailed understanding of the overall credit risk management lifecycle and associated credit risk and the policies, procedures and strategies employed to manage this risk and detailed understanding of leading practices and regulatory expectations in the area of credit risk management or the credit risk process
- Proven project management track record on credit risk related projects including the ability to influence and manage senior stakeholders as well as diverse teams; strong computer skills, experience with Microsoft applications - Word, Excel VBA, PowerPoint, SAS
- Manage a staff of up to 30 FTE, made up of supervisors, underwriters, reporting analysts, project management and account set-up staff, with varying skill level and experience
- In-depth Risk analysis including performing P&L, Balance sheet & cash flow analysis, industry analysis and an understanding of accounting to determine customer credit risk
- Responsible for accurate reporting for various finance reports used for SEC reporting, including bad debt reserve and ABL reporting
- Design, implement and review customer risk scorecards to ensure process optimization for sound decisions and faster turnaround for evaluating a customer credit risk
- Conduct high level meetings with external customers to obtain financials, understand financial and operational challenges that impact the customer’s viability, and discuss payment plans and other high risk scenarios when appropriate
- Operates effectively within partnerships
7
Experience For Senior Manager Credit Risk Quant Resume
- Quantitative analytic modeling experience or comparable process management experience5
- Effectively communicate findings of analytical and financial models to non-technical audiences
- Treat the Customer as a priority when executing against objectives
- Use personal experience and knowledge to anticipate emerging issues/opportunities
- Provide leadership and development to ensure right prioritization of workflow of Underwriters for application review and processing
- Build, lead and develop a team of highly skilled credit risk analysts
- 5+ years of Credit or Collections risk or process management experience
- Responsible for controlling expenses within Reporting, Underwriting, and Customer Set-up teams
- Bad Debt reporting & BBC reporting
8
Experience For Manager Credit Risk Resume
- Provide oversight, coaching and guidance to the team of Underwriters making risk-based decisions to reduce fraud and bad debt
- Manage information of a proprietary and confidential nature, belonging to both customers and the company, adhering to company and general legal guidelines
- Oversees analysis of accounts receivable, aging of accounts to determine overdue accounts, and establishing collection procedures
- Works on issues where analysis of situation or data requires evaluation of a variety of factors, including an understanding of current business trends
- Lead or participate in finance system integrations as needed, such as Oracle enhancements and/or other prospective tools/systems conversions
- Work with both the Internal and external Audit staff to ensure SOX and Audit compliance is met within the various processes for the credit risk teams
- Work closely with the credit and collections group to understand customer risk and payment behaviors, as well as collaborate with sales and other groups as necessary
9
Experience For Enterprise Risk Services Manager Credit Risk Resume
- Review customer scorecards for effectiveness vs. current sales climate and be able to make recommendations to adjust the scorecards as needed to deliver the required results
- Proactively review the customer portfolio to ensure there are no customers at risk for significant impact in terms of losses to the organization
- Responsible for various management level department monthly reporting to drive business results, as well as ad-hoc reporting and analysis as needed for all areas within credit
- Leads various senior level, corporate-wide monthly calls, including the Credit Risk Council meetings, monthly bad debt reviews, and analysis and review of the Borrowing Base Certificate (BBC) data
- Assists with the formulation of the department budget
- Credit Limit Approval Authority for the Veritiv customer base to purchase on open terms
- Initiate, develop and implement credit risk and revenue strategies and policies for all aspects of DPL, including list selection, underwriting and portfolio management
- Establish appropriate profitability trade-offs using various tools to maximize business return on the business exposure ensuring that key business factors are understood and measured, i.e. risk and growth
- Perform, own and lead complex qualitative and quantitative analysis of credit polices to ensure financial goals are being attained
10
Experience For Manager Credit Risk Policy Resume
- Drive value-based management principles into the day-to-day credit risk activities to maximize profit for the business overall
- Develop decision framework to support business strategies working closely with business partners. Identify and explore new approaches and data sources to support improvements to existing and new programs
- Prepare and present new strategies and subsequent performance to management
- Establish and build strong effective working relationships with a range of business partners, where an in depth understanding of related business activities and their impact upon DPL performance is essential
- Provide risk leadership in respect of new loan product or feature developments
- Develop complex financial and analytical models
- Make positive contribution to change initiatives
List of Typical Skills For a Manager, Credit Risk Resume
1
Skills For Senior Manager, Credit Risk Policy Resume
- Advanced Microsoft Excel and PowerPoint skills; strong written and oral communication skills
- Specific experience of setting credit risk criteria for acquisition or portfolio management programs would be a strong advantage
- Risk related training and scorecard platform skills. Six Sigma or equivalent QUALIFICATION(PREFERED)
- Exceptional relationship building skills and ability to influence and negotiate
- Superlative oral and written communication skills
- Highly developed leadership and collaboration skills
2
Skills For Senior Manager, Credit Risk Mgmt Resume
- Quantitative analytic modeling experience or comparable process management experience
- Superior skills in Excel, Word, PowerPoint required
- Prior commercial and small business credit adjudication experience
- Banking or Credit experience in evaluating/managing Corporate and/or Commercial credit loans is required
- Evidence of successfully leading, inspiring and empowering a team of highly technical credit risk professionals
- Experience with statistical modeling, Machine Learning, Data Mining and other statistical advanced techniques is highly desirable
- Commercial or Corporate banking experience including managing the full cycle of credit risk
- Be effective in both a team and independent working environment involving multiple stakeholder groups
3
Skills For Senior Manager Credit Risk Resume
- Experienced in conducting customer meetings to obtain financial information from varying level of clientele internationally
- Practical work experience in credit risk models (credit scoring model, exposure measurement) and market risk management methodologies, including VaR models
- Extensive experience of the application and usage of risk management decisioning tools
- Fluent in English. Good command of business writing and presentation in English
- At least five years of working experience
- Influence on a senior level, while also skilled at extracting requirements from subjectmatter experts in designated businesses
- Establish and maintain effective working relationships at all levels of the organization and acrossdivisions
- Any equivalent combination of experience, education, and/or training approved by HumanResources
- Validation of the Borrower Risk Rating System
4
Skills For Manager, Credit & Risk Resume
- Validation of the Facility Risk Rating System
- Experience working in close partnership with stakeholders at various levels in a way that maximizes their participation and leverages their support
- Experience in working with credit risk in financial services risk disciplines with clear insights of best practice and credit risk frameworks, in particular
- Demonstrate exceptional awareness of the industry across the markets served and respond to the unique challenges faced in these markets
- At least three years experience in risk management in banks or AFCs
- End-to-end validation of the ECL / General Allowance (GA) process
- Validation of the ECL / General Allowance (GA) process
5
Skills For Senior Manager, Credit Risk Resume
- Strong knowledge of Microsoft Office applications, including Excel, Word and PowerPoint
- Handle competing priorities in response to business and regulatory requirements
- Related hands-on analytical experience using SAS required
- Strong financial service and credit regulatory understanding and awareness
- Knowledge and experience with the following is a definite asset
- Experience with Moody’s RiskAnalyst™ is desirable, though not a requirement
6
Skills For Senior Manager Credit Risk Strategies Resume
- Well-organized with ability to prioritize multiple tasks and deliver results in a fast-paced environment
- Experienced in Project Management / Six Sigma
- Extract, process and transform data from multiple disparate sources, championing process evolution and fostering an effective data analysis culture
- Experience managing teams of quantitative analysts
- Credit or Collections risk or process management experience
- Experience with credit risk decision engine software and platform solutions
7
Skills For Senior Manager Credit Risk Quant Resume
- Solid knowledge of KYC, due diligence requirements and merchant risks
- Escalate process change requests, system enhancements or any other major resource requests to HRIS Manager for approval / prioritization
- Good understanding of the credit risk regulatory framework: Basel II/Basel III/IFRS9
- Experience managing large projects across multiple departments
- Experience in credit risk policy/governance/processes/controls
- Good attention to detail, can work independently but also as part of a team, and have a friendly and professional attitude
8
Skills For Manager Credit Risk Resume
- Strong knowledge of Microsoft office, Word, Excel and Access
- Accounting & Finance knowledge of bad debt reserve methodologies, Credit facilities and Bank borrowing certificate (BBC)
- Modeling background including interaction with credit risk and/or finance
- Accounting Designation: CA, CFA, CMA
- Understanding of multi-jurisdictional legal and regulatory environment
- Ensuring policies reflect P&C’s risk appetite, proper controls, accountabilities and authorities
- Understanding of the retail, commercial, and/or corporate portfolio, business and products
9
Skills For Enterprise Risk Services Manager Credit Risk Resume
- Scorecard modeling for developing, implementing and maintaining the Veritiv customer risk scorecards as well as the credit hold scorecards
- Technology project execution, including use case development, testing procedures and business process mapping
- Borrower Risk Rating Models and Policy-based Rating Methodologies
- Facility Risk Rating Models and Policy-based Rating Methodologies
- Act as subject matter expert for Canadian Non-Retail modeling and rating methodologies, and ECL / GA models and methodologies
10
Skills For Manager Credit Risk Policy Resume
- Act as subject matter expert for relevant Canadian Non-Retail modeling and rating methodologies, and ECL / GA models and methodologies
- Conversant with Moody's Risk Analyst Program, including the Borrower Risk Rating System
- Non-retail credit risk lending, including familiarity with CAIRO, CARMA, RiskAnalyst and TD's FRR calculator / tool
- Exhibits confidence without arrogance while influencing and working with all levels of management
- Conduct the Clearing Member/counterparty onboarding process
- Participate in all APP credit and risk decisions through involvement in the credit underwriting, exposure control, collections and reporting activities
- Suggest meaningful Credit and Risk metrics and associated reporting to monitor APP segment Credit and Risk results; develop metrics and reporting as directed
List of Typical Responsibilities For a Manager, Credit Risk Resume
1
Responsibilities For Senior Manager, Credit Risk Policy Resume
- Sound business judgement, change management, and process improvement and problem resolution skills
- Highly developed and expert written and oral communication skills
- Post graduate education in business or related with emphasis in finance, accounting, or business; or commensurate work experience
- Experience in credit risk/underwriting role across secured/unsecured products in the financial services industry
- Skilled at managing pipeline oriented activity with strict deadlines and required outcomes
- Demonstrated ability to identify, analyze, summarize, derive conclusions, and provide relevant recommendations to resolve credit policy issues
- Understanding of the Bank’s business activities within the sector
2
Responsibilities For Senior Manager, Credit Risk Mgmt Resume
- Collaborate with Banking counterparts to improve CCEI (customer satisfaction) survey results in line with Commercial Banking's objectives
- MBA and Accounting Designation: CA, CFA or CMA
- Assist in maintaining stipulated clearance rates for audit findings
- Non-retail credit risk data, including familiarity with data sources and usage in credit risk-related applications
- Sound knowledge of credit risk data integration and reporting, as well as Data Governance standards and processes
3
Responsibilities For Senior Manager Credit Risk Resume
- General knowledge of Basel and risk rating methodology
- Ensure the approach to policy & procedure updates are human, intuitive and models our One Bank brand
- Aware of market/environmental marketplace
- Foster two way communication
- Initiate, develop and implement credit risk criteria for retention activities across a range of segments and products establishing appropriate profitability tradeoffs using various tools to maximize business return on the business exposure ensuring that key business factors are understood and measured e.g. impact on attrition, revenue and risk
- Initiate, develop and implement portfolio life-cycle credit loss tracking and projection
- Identify and make enhancements to the business use of internal and external data sources within account management processes
- Allocate and direct resources to ensure projects and processes are completed on time and within scope
- Participate in management & team meetings and maintain credit department results based on key metrics & measures
4
Responsibilities For Manager, Credit & Risk Resume
- Manages the activities of credit approval and credit collection
- Provides guidance to Risk Analysts and Specialists within the latitude of established company policies
- M.B.A., CA, CMA, CFA, FRM, CGA or equivalent designation an asset
- Manage portfolio within Credit Risk Appetite framework as outlined in Quarterly GRM - Enterprise Risk Appetite reports for Commercial Banking including early warning thresholds for Non -Investment Grade exposures and loan loss experience
- Annual Reviews are to be completed within Bank set tolerance thresholds
5
Responsibilities For Senior Manager, Credit Risk Resume
- Participation in various projects and initiatives that result in efficiency, streamlined credit processes and reduced turnaround times
- Superior knowledge of Bank and technology standards
- Some travel (up to 40%) for meetings and customer visits
- Advanced knowledge of industry level credit risk management policies, protocols and processes
- Serve as the primary credit policy subject matter expert in the enterprise
- Strong understanding of credit risk policy development and documentation methodology coupled with the practical application thereof to industry standards, business needs, and regulatory requirements
- Proficiency in SAS or other statistical/analytical programming languages
- Model documentation requirements, including resolution of findings and requirements
6
Responsibilities For Senior Manager Credit Risk Strategies Resume
- Comfortable working in both team and individual assignments
- Take a leadership role within the credit group in identifying opportunities that require escalation to the bank’s regulatory risk groups
- Motivate and lead both direct reports as well as peer colleagues
- Develop a deep understanding of industry, corporate, and customer drivers to leverage in optimization of all aspects of our decision strategy and business processes across the credit lifecycle
- Perform a leading role on projects and initiatives, working closely with team and corporate stakeholders to understand key business issues and translate them into credit strategy and business solutions
7
Responsibilities For Senior Manager Credit Risk Quant Resume
- Lead and perform complex qualitative and/or quantitative analysis of credit policies to ensure financial and credit goals are achieved
- Lead the development of predictive financial and analytical models (including stochastic, dynamic, or non-linear systems) using the appropriate statistical methodologies
- Participate in the selection of external and internal data-only or data-driven solutions, leading and performing the analysis of new vendor products or solutions
- Lead, participate or support team efforts in loss forecasting analysis
- Lead a team of credit risk analysts and specialists with broad people management responsibilities focused on talent development and retention
8
Responsibilities For Manager Credit Risk Resume
- Project execution and project documentation
- Upervisory experience either in banking or financial operations, Risk Management, Consumer and/or commercial credit portfolio management experience, 6 - 8 years desired
- Proficiency in financial statement analysis, financial modeling and metrics
- Active portfolio with requests generally requiring a tight turnaround time. Candidates shall be comfortable in delivering recommendations under time pressure and with sub-optimal information while keeping our Bank safe and profitable
- Fluency in Spanish (written and oral), while not mandatory, is considered an asset
- Knowledge of credit and market risk methodology
9
Responsibilities For Enterprise Risk Services Manager Credit Risk Resume
- Knowledge within the financial services industry
- Interpret and apply TD Merchant Solutions’ Credit policies
- In credit risk management roles resulting in broad experience in credit related areas such as policy development and documentation, bank operations, risk assessment, loan grading, credit and financial analysis, audit, or regulatory compliance
- Department and personnel management experience required
- In depth knowledge of BMO Credit Risk Policies, Processes, Products and overall knowledge of BMO
- Awareness of the financial and business marketplace and credit risk issues affecting the financial services industry, particularly the regulatory environment, with particular focus on proactive management of current and future potential issues impacting on the businesses
- Interact effectively with Senior Executives of BMO
- Previous exposure to Sarbanes Oxley (SOX) within a financial services organisation
10
Responsibilities For Manager Credit Risk Policy Resume
- Ensure the Bank’s credit administration database is accurately maintained on a timely basis
- Make recommendations on improvement of existing strategies, procedures and policies. Work closely with partners in Toronto and various countries to identify opportunities and recommend changes to improve performance
- Review credit policy proposals to ensure changes are aligned to the Bank’s risk appetite and adhere to Global Risk policies
- Support the development of credit risk origination strategies, policies, procedures, and systems for International Retail Lending, with goal of using empirical decision models to approve credit, set customer credit exposure, and determine risk adjusted price
- Deliver on analytical projects that provide actionable insights to improve portfolio performance. Analytical projects include: statistical analysis to improve customer segmentation, loss and delinquency performance, and line assignment optimization
- Develop and implement credit risk origination strategies, policies, procedures, and systems for International Retail Lending, with goal of using empirical decision models to approve credit, set customer credit exposure, and determine risk adjusted price
- Analyze and report regularly on performance of existing origination strategies deployed in International Banking
- Contributes to the overall growth of Commercial Banking’s loan portfolio
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