Officer Credit Resume Sample
Miracle Padberg
2326 Jaeden Trail,
Houston,
TX
+1 (555) 356 6943
Work Experience
Principal Senior Credit Officer
01/2018
-
PRESENT
Boston, MA
- Other PO business units re operational and customer service issues, projects, change implementation or system recoveries
- Reviews existing and new loan exposures, proposed extensions of credit and financial information; evaluates credit structure and terms; determines sources and uses of funds; analyzes industry data, competitive factors, historical performance, projected results, risks, and mitigating factors
- At the direction of the Team Manager and/or in concert with the Account Officer, contacts borrowers directly, as appropriate, for additional information and details related to loan request or clarification of financial materials and resources
- Escalates potential credit issues to Team Manager, Division Manager and Account Officer
- Facilitates commercial and/or real estate loan originations by working with line officers in reviewing and approving or declining loan proposals to meet the customers’ or prospects’ needs while conforming to bank and regulatory requirements. Makes joint calls as needed
- Keeps informed of competitors’ rates and loan programs and recommends appropriate changes to current bank programs and rates
- Facilitates commercial loan originations by working with line officers in reviewing and approving/ declining loan proposals; targeting those that meet the customers’ or prospects’ needs while conforming to bank and regulatory requirements
Commercial Real Estate Credit Officer
04/2013
-
10/2017
Boston, MA
- Reinforces adherence to bank underwriting policies and procedures with a focus on maintaining credit quality and managing risk. Assists in monitoring compliance with internal and regulatory requirements
- Analyzes pertinent financial and credit data and makes final credit decisions (approval or declination) within signing authority. Recommends to higher level of authority as required
- Effectively evaluates and reports portfolio activity, trends and credit quality
- Undertakes special projects, as appropriate
- Extensive experience in commercial lending – ideally on both the credit and business side
- Experience in the Upper Middle Market and Large Corporate segments (defined as sales over $100MM), knowledge of corporate and capital market products offered to commercial customers and accustomed to leverage lending and ABL transactions
- In-depth knowledge and understanding of processes associated with loan underwriting, closing and administration. Complete understanding of syndications, capital markets, and other highly complex lending facilities
Retail Credit Officer
06/2010
-
12/2012
Dallas, TX
- Analyze simple to complex financial statements to evaluate the financial stability of an entity or individual
- Effectively present information and respond to questions from managers, clients, customers, peers and at group meetings
- Facilitates commercial and/or real estate loan originations by working with line officers in reviewing and approving or declining loan proposals that meet the customers’ or prospects’ needs while conforming to bank and regulatory requirements
- Ensure projects and processes comply with the Bank’s Model Risk Policy requirements
- Assist in the monitoring and documentation required to meet model management’s policy requirements for User Defined Testing and models
- To facilitate customers’ timely payment and minimize debts. Oversee all customers’ accounts (BRN level) under the assigned CFU(s) that is/are managed by the team
- Provide details breakdown of outstanding debts (SOA) and certified true copy bill(s) upon request from the customer. Reconciling accounts and liaises with customer on payment issues and performs credit or debit adjustments in customers’ accounts
- Diploma in Accountancy or related studies with at least 1-2 years’ related experience
Education
American InterContinental University - Houston Campus
2004 - 2009
Bachelor's Degree in Business
Professional Skills
- Prior criteria development skills are desirable (for example, determining underwriting or credit review parameters),
- Excellent verbal and written community skills
- Strong customer focus and well-developed verbal and written communication skills
- Strong analytical skills with a passion for the investment process
- Solid reporting and presentation skills
- Highly developed administrative, process and organizational skills necessary to handle multiple tasks
- Previous experience in affordable housing finance and the structuring of municipal bond financing
How to write Officer Credit Resume
Officer Credit role is responsible for credit, software, modeling, research, reporting, analysis, security, training, securities, finance.
To write great resume for officer credit job, your resume must include:
- Your contact information
- Work experience
- Education
- Skill listing
Contact Information For Officer Credit Resume
The section contact information is important in your officer 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 Officer Credit Resume
The section work experience is an essential part of your officer 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 officer 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 officer credit position you're applying to.
The work experience section should be the detailed summary of your latest 3 or 4 positions.
Representative Officer Credit resume experience can include:
- Effectively multi-task and work under time pressure
- Seven to 10 years of credit, corporate lending or related experience
- Strong working knowledge of Bloomberg, BondEdge, Microsoft Excel, Microsoft PowerPoint and other software
- Significant experience in credit risk analysis and sanctioning roles
- Working experience, preferably in Telco & Utilities Services
- An interest in commercial real estate, past experience desirable but not required
Education on an Officer Credit Resume
Make sure to make education a priority on your officer credit resume. If you’ve been working for a few years and have a few solid positions to show, put your education after your officer 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 Officer Credit Resume
When listing skills on your officer 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 officer credit skills:
- A team player with good negotiation and communication skills
- This role requires the jobholder to have a good knowledge and understanding of their business area and how it operates
- Strong expertise in counterparty risk and financial analysis, cash flow projections and banking products (financing and derivatives)
- Experience with a financial institution focusing on credit risk management, portfolio management and/or loan workouts
- Experience in Corporate Credit analysis, structuring, approval and portfolio management
- Experience in Commercial or Corporate credit analysis, structuring, approval and portfolio management
List of Typical Experience For an Officer Credit Resume
1
Experience For Principal Senior Credit Officer Resume
- Render support on quality check to ensure the credit process and approval are in good quality
- Ensure that loan risk ratings conform to the Bank’s risk rating framework
- Facilitate decisions for transactions/obligors that require approval beyond CCO’s authority
- Provide oversight and feedback to the Healthcare line of business on new opportunities to ensure credit parameters are in line with the Bank’s strategic plan and credit policy
- Contribution to the Bank’s credit policies and procedures and risk review of various business initiatives (New Product Committee, Concentration Committee, Large Exposure Committee, business rules etc)
- Adhere to the Bank’s credit administration and security policies and procedures
- Facilitate healthcare commercial loan originations by working with line officers in structuring and development of loan proposals to meet the customers’ or prospects’ needs while conforming to bank and regulatory requirements
2
Experience For Commercial Real Estate Credit Officer Resume
- Reinforce adherence & contribute to the development of the Bank’s underwriting policies and procedures
- Keep informed of competitors’ rates and loan programs and recommends appropriate changes to current bank programs and rates
- Spread financial statements and tax returns in Moody’s Risk Analyst or Buker’s Tax Analysis
- Assist in analyzing/assessing transaction proposals. Interact with internal business unit personnel to prepare credit reports/supporting materials that advance DB’s commercial real estate platform and risk management objectives in a manner consistent with DB’s policies and procedures
- Assist in CRM – CRE’s interactions with internal / external auditors and regulatory authorities
3
Experience For AVP, Commercial Credit Officer Resume
- A passion to learn, not afraid to ask questions
- Added value with investigation background
- Equipped with AML and KYC knowledge
- Participate in projects that improve the bank’s credit administration and sales efficiencies
- Add value and eagerly participate as a teammate on projects that improves the bank’s credit administration and sales efficiencies
- Participate in system project implementation to achieve high process automation and efficient operation
- Chartered Financial Analyst designation is required
- Team player, well organized and detail oriented
- Participating in the criteria development process and focus groups for both asset class-specific and cross sector criteria, with a goal of ensuring criteria reflects robust long term data and performance trends, as well as most recent market developments and concerns relevant to credit analysis
4
Experience For Retail Credit Officer Resume
- Regular voting participation at transaction credit committees, both for new and existing transactions, with a focus on criteria application and quality of analysis
- Attendance as credit officer representative at ongoing filtering panels to vet new rating proposals and convening and chairing transaction screening committees to examine new proposals that are unique or esoteric in nature
- The provision of ongoing guidance and advice to rating teams on credit issues that arise, providing leadership in their resolution
- Promotion of adherence by analysts to Fitch’s policies and procedures throughout the course of their work
- Participation in reviews across a variety of sectors as part of Fitch’s ECR process
- Ongoing review of internal and external market data and research that provide insight into developing credit trends for follow up; regular monitoring of reports on rating and transaction performance to assess and identify developing trends in rating performance
- Facilitating communication across regions and asset class areas to ensure consistency of approach to similar credit issues, including periodic organisation and provision of training on credit matters
5
Experience For AVP, Credit Analysis Officer Resume
- Writing research on selected credit issues that impact structured finance/covered bonds generally, in particular across asset classes, as well as identifying topics for research by individual asset groups, to maintain a consistent and timely flow of credit research
- Performs financial statement analyses for individuals and various types of businesses, typically involving complex and interlocking relationships
- Supervise and mentor junior analysts in financial analysis, loan structure, appropriate covenant conditions and identifying risks and tangible mitigating factors to credit risk
- Responsible for decisioning credits in the Commercial Real Estate group including participation in the quarterly Loan Quality Review meetings
- Provide effective front end guidance through active involvement with commercial real estate loan officers, senior lenders and area sales managers, including participation in customer calls, as appropriate
6
Experience For Credit Management Officer Resume
- Credit and underwriting experience
- Monitor and supervise problem loans including Warning Obligors and prepare written memorandum/reports for management
- Other credit related works/projects as assigned, including flexibility to help with real estate transactions (CRE/REITs/ Gaming & Hospitality), when needed
- Active participant in Credit Analyst and Loan Officer training programs
- Act as key point of contact for customer for efficient and smooth processing of loan application
- Provide guidance to lenders on loan policies and procedures
- Advise and make recommendations on credit matters, as appropriate
- Analyze various risk elements of subscription finance in the Americas and present written executive
- Maintain and oversee the credit quality of the portfolio assigned and provide feedback to business units to ensure consistent and complete credit applications. Also, provide guidance to business units, as necessary, to ensure compliance with internal standards
7
Experience For Officer, Credit Control Resume
- Manage compliance with internal policies, work flow procedures, regulations, etc
- Analyzing/assessing and making recommendations for approval for the balance sheet portfolio, including construction loans, transitional loans in addition to repo lines to mortgage REITs and other non-bank lenders in the commercial real estate sector
- Interact with internal business unit personnel to prepare credit reports and due diligence documentation that support Deutsche Bank’s business strategies while operating within the constraints of Deutsche Bank’s risk appetite for commercial real estate in a manner consistent with its policies and procedures
- Experience with all facets of CRE due diligence and legal documentation
- Mentoring Credit Analysts
- Doing system enhancement
- Monitor an existing portfolio and sponsor/guarantor financial capacity
8
Experience For Healthcare Credit Officer Resume
- Challenge the credit thinking of Fitch’s analytical groups with alternative viewpoints,
- Assess Fitch’s rating performance,
- Monitor Watchlist credits and prepare impairment analyses and memoranda as necessary
- Assist and at times lead BRM - CRE's interactions with internal / external auditors and regulatory authorities and other Deutsche Bank infrastructure teams (Finance, Regulatory, Risk Analytics, etc.)
- Previous experience in balance sheet lending / underwriting debt products for all primary CRE asset classes (office, retail, multifamily, hospitality and industrial)
- Educational background in financial and risk-return analysis, including modeling and accounting
- Knowledge of national markets with a focus on the gateway cities
- Familiarity with loan syndication and placement of senior and mezzanine loans
9
Experience For Structured Credit Compliance Officer AVP Resume
- A passion to learn and be challenged, not afraid to ask questions
- Active collaboration in different project
- Analyze and recommend approval, declination, or new loan terms for proposed commercial real estate transactions involving stabilized, transitional, ground-up construction, conversions and acquisition / rehabilitation properties
- Act as the primary intermediary between the business units, department heads and credit committees
- Monitor portfolio and financial/market developments within commercial real estate and related sectors
- Attend committees and monitor the application of criteria and variations,
- Participate in the criteria development process, and
10
Experience For Divisional Credit Officer Resume
- Create a strong credit culture by being a role model for Fitch’s values of transparency, independence, timeliness, rigour & integrity and diversity & inclusion
- Extensive experience of credit analysis and the credit markets,
- Successful track record as a relationship manager and lender with significant customer contact experience
- Ensure Fitch's ratings are timely and robust
- Interact with all levels of management, work within a team environment and independently
List of Typical Skills For an Officer Credit Resume
1
Skills For Principal Senior Credit Officer Resume
- Experience in other commercial real estate asset classes
- Credit experience
- Excellent product knowledge across debt and derivative products
- Business Strategy and Model: good working knowledge
- Experience in credit management & debt collection would be an advantage
- Extensive experience in a senior analytical credit role required,
- Extensive experience of the public finance and/or global infrastructure credit markets,
2
Skills For Commercial Real Estate Credit Officer Resume
- Evidence of ability to engage stakeholders in alternative viewpoints in a constructive manner is essential, and
- Demonstrate independence of thought
- Formulating credit opinions, performing sector analysis and making recommendations to portfolio managers
- Doing statistic and reporting
- Performing fraud investigation work
- Reviewing policy and work flow
- Identifying relative value within and between sectors of the marketplace
3
Skills For AVP, Commercial Credit Officer Resume
- Preparing credit memos for recommendations of new additions to portfolios across both public and private placement securities
- Maintaining written credit opinions for holdings as assigned
- Participating in credit committee discussions
- Supporting Senior Credit Analysts and Portfolio Managers
- Working knowledge of Moody’s Financial Analyst and Temenos T24 is an asset
- Develop and maintain knowledge and understanding of integrated services and offerings, with a focus on banking products and procedures
- Perform credit prescreening, processing and approval for card products
4
Skills For Retail Credit Officer Resume
- Communicate with the analytical group and external parties on the most important credit topics facing the rated portfolio,
- Discussion of ratings and risks with key market participants to exchange views and gather information regarding credit matters,
- Facilitate communication across regions to ensure a consistent approach to similar credit issues, including periodic organization and provision of training on credit matters,
- Ensure timely and accurate maintenance of customer information, including KYC requirements, in Group systems
- Complete all mandatory compliance and other assigned training as instructed and within the prescribed time-frame
- Business unit point for CIT’s risk management portfolio monitoring requirements
- Diploma in Finance or Accounting or related studies
5
Skills For AVP, Credit Analysis Officer Resume
- Support end-to-end application processing and approval for Ready Credit and Personal Loan
- Support the processing and approval of Instant Card Issuance
- Lead and contribute to research on important credit themes, and
- Align the team to a common purpose,
- Identify targets and success factors for the team, and
- Initiate and drive collaboration between the PF GCO team, the wider CPG team and other areas of Fitch to further strategic goals
- Knowledge of Federal, State, County, and Local affordable housing subsidies and programs, including low-income housing tax credits (“LIHTCs”) and Section 8 Housing Assistance Payments (“HAP”) Contracts
6
Skills For Credit Management Officer Resume
- Experience with affordable housing due diligence and legal documentation, such as Income-Restricted Appraisal Valuations, Trust Indentures, Partnership Agreements, and Land-Use Restriction Agreements (“LURAs”)
- Provides support to the sales oriented team members through assistance in the credit and sales and security documents while fulfilling more complex administrative and reporting tasks in collaboration with the Sr Mgr leasing and other operational team members
- Provide sales and services support by generating offer letters within SLA when required; MRA s sheet, Carm shell, small credit application, profitability analysis; annual review preparation and management of the report to remain within threshold; Bill of sale (Back-up only); Lease concurrence/ small credit memos; payout request
- No experience of KYC compliance breaches, Help account manager maintain all expired credits within Bank’s tolerated guideline
- In-depth risk management experience across client and product types
7
Skills For Officer, Credit Control Resume
- Ensure all complaints are handled in an efficient manner using the "Putting it right" bank guidelines
- Ensure all internal/external customer service issues are handled in an efficient manner using the Bank's Putting it Right guidelines; ensure minimal escalation
- Provide advice to internal business partners, customers and peers to support the completion of a process or activity within established procedures
- To support and be involved in the business’s CSI initiatives as requested from time to time
- Sound credit risk judgement
- Comply with code of conduct & bank policies/procedures
- Become familiar with and comply with laws, regulations and internal policies and procedures
8
Skills For Healthcare Credit Officer Resume
- Provide a superior level of courteous, knowledgeable, friendly and professional service to all BPB professionals relating to Platinum Banking credit services consistent with delivery of the desired client experience
- Maintain knowledge of BMO lending products, security policies and procedures, and provide assistance to Private Bankers and Lending Specialists in regards to loan documentation, administration, and set-up
- Perform credit related activities as required to meet client needs and maintain overall service standards
- Portfolio Review Meetings (PRMs) (when established): Review credit status and the progress of requests made at previous PRMs. Focus on borrower performance and risk mitigation. Consider Grade changes as appropriate
- Portfolio Management Meetings (PMMs) (when established): Leading the meetings to make sure the RMs are following for required information and document and acting on it as needed to keep systems up to date.
- Daily Overdraft Review and follow up: Daily review and follow up with Relationship Managers on items out of the norm in size or amount and keeping the Chief Credit Officer in the loop as to unusual items.
9
Skills For Structured Credit Compliance Officer AVP Resume
- Daily Over Advance Review: Daily review and follow up with RMs on over advances in excess of approved limits. Assuring the RMs are seeking approval for Over Advances exceeding 5 business days and keeping the Chief Credit Officer in the loop as to unusual items.
- Field Exam Review: Review of Field Exam findings, compare to the actions promised in the Relationship Manager response and follow with the Relationship Manager and or the ABL Group as needed to be sure proper action is being taken based on the Field Exam findings. Consider Grade changes as appropriate.
- Audits, Loan Reviews and Exams: Organizing and reviewing the compilation of the information requested and the responses given making sure we are providing the information needed to justify our current position including participating in Auditor, Reviewer and Examiner calls and meetings.
- Up or Out / Special Asset Report (SAR)(when established) Review and Approval: Assure Up or Out Templates and (later SARs) produced by or on behalf of assigned RMs are accurate and that evaluation and assignment of Reserves is correct this includes system approval at quarter end.
- Non-Accrual and Charge Off Forms: Review and approve the forms making sure they are accurately but succinctly making the case requested and justifying our holding value.
- TDR (Troubled Debt Restructure) Review Process: Review the TDR Template and assure it is forwarded to Bancorp Finance. See “TDR (Troubled Debt Restructure) Review Process”
- Managing a team and working within a demanding environment, the role holder is involved in the full spectrum of work and/or issues dealt with by their team
- Active participant in Commercial Relationship Manager Trainees and Loan Officer training programs
- Initiative, patient and mature in thinking
10
Skills For Divisional Credit Officer Resume
- Formal credit training program required
- Thorough knowledge of financial statements, accounting principles, credit policy and industry-specific data sources
- Flexibility to work under tight deadlines and in a multitasking environment
- Considerable knowledge of credit and lending policies, credit analysis, procedures and philosophy
- Identify immediate and developing risks that deserve additional analytical focus,
List of Typical Responsibilities For an Officer Credit Resume
1
Responsibilities For Principal Senior Credit Officer Resume
- Applicable post-secondary education of equivalent work experience
- Able to communicate English and Bahasa (both written and oral)
- Extensive knowledge of production agriculture and previous experience financing crop, dairy and livestock operations are essential qualifications to the position
- Superior attention to details and critical thinking to focus on the key risks factors of highly structured transactions and visually present complex concepts with graphs, tables and flow charts
- Quickly analyze a vast amount of information and render relevant and accurate credit decisions
- Risk sensitivity and ability to steer decisions through discussions with the business units
2
Responsibilities For Commercial Real Estate Credit Officer Resume
- MBA/ Masters in Finance from recognized university
- Advanced knowledge of organization, business practices, business philosophy and ethics
- Broad based knowledge of Commercial Real Estate loans
- Complete special projects assigned by Chief Credit Officer
- Diploma in Finance / Business studies or related disciplines
- Self-driven and prepared to take on new challenges
- Able to work under tight timelines and pressure
3
Responsibilities For AVP, Commercial Credit Officer Resume
- Target-oriented and customer-oriented
- Oversee rigorous criteria
- Make all the
- Proper Loan Grading: Credit and Regulatory Grades and PD / LGDs (when established) all need to accurately reflect the current performance of the borrower and therefore risk to the bank. RCOs have several opportunities to assure this process is functioning, New Approvals, Renewals, Modifications and Extensions, Portfolio Review Managers, Portfolio Management Meetings.
Related to Officer Credit Resume Samples
Chief Credit Officer Resume Sample
Work Experience
• Responsible for measuring and managing the aggregate risk in the Bank's loan portfolio and ensuring the bank’s overall portfolio and transactions are in alignment with the risk appetite
• Develops and maintains clearly defined loan grades supported by a clear, objective and measurable loan risk...
Professional Skills
• Track record of driving results with stron...
• Excellent general and financial management...
• Significant Credit experience in Middle Ma...
Credit Officer Resume Sample
Work Experience
• Initiation and tracking of Legal report and Valuation report for Mortgage cases to vendor along with query submission, query communication, system updating of final reports and coordination of runner boys for submissions and collection of files
• Provide sound advice and solutions utilizing establi...
Professional Skills
• Demonstrate excellent verbal and written s...
• Extensive research experience and demonstr...
• Prior experience in reviewing credit inclu...
Credit Products Officer Resume Sample
Work Experience
• Facilitate Closing, as needed: Work closely with third-party closer/servicer, attorneys and HUD to facilitate closing
• Serve as a resource/expert on FHA financing to CDB and other Bank associates
• Participate in creating and presenting training sessions for CDB associates
&...
Professional Skills
• Solid experience in financial analysis, st...
• Prioritize tasks demonstrating both manage...
• Excellent computer skills in Windows, unde...
Fiscal Analyst Resume Sample
Work Experience
• Oversee, maintain, monitor and ensure the integrity of OMH billing system monthly bill runs. Resolve pended, denied and audited claims. Analyze services and recording statistics to identify unbilled visits and under-utilization of services. Audit and analyze data to ensure data accuracy and compliance with federal and st...
Professional Skills
• Excellent analytical, quantitative, writin...
• Demonstrated skills to compile and summari...
• Strong research, problem solving, and time...
Risk Governance Resume Sample
Work Experience
• Manage sensitive cross LOB client controls processes, including the Client Screening List (CSL)
• Work with firmwide LOBs and functions, including Global Financial Crimes Compliance (GFCC) to evolve current CSL process to clearly identify all necessary resources for “hits” communications to include...
Professional Skills
• Advanced sharepoint skills and advanced Mi...
• Outstanding written and oral communication...
• Proficiency in English, excellent analytic...
House Officer Resume Sample
Work Experience
• Graduate of an accredited APN program
• Excellent interpersonal skills including written and spoken English
• Proven security experience in a ‘soft’ customer service driven environment, where they have worked with minimal supervision utilising excellent judgement and decision...