Credit Resume Sample
Erika Conroy
8127 Sigmund Street,
Los Angeles,
CA
+1 (555) 660 4221
Work Experience
Director of Credit
05/2018
-
PRESENT
Boston, MA
- Evaluates the risks and sizing of independent amounts for trades facing JPMorgan’s hedge fund client base and
- Manages the Group’s efforts to measure, monitor and mitigate the various risk aspects of the loan portfolio, including risks associated with underwriting, portfolio management, compliance and collection
- Ensures that the Group’s risk management and compliance function is proactive, comprehensive and consistent
- Develop expert knowledge on GWB’s systems (including Jack Henry & Associates’ “Silverlake” software, WebEquity, etc.); develop a solid working relationship with loan operations staff. Provide support to line and loan operations on coding / loan structure issues. Provide oversight to ensure that coding exceptions are being corrected in a timely manner
- High attention to detail and ability to multi-task in a fast paced environment is critical
- Offers new ideas and solutions for process enhancements for greater efficiency and control
- Knowledge of credit derivatives products
Credit
11/2015
-
04/2018
Dallas, TX
- An ability to see the credit operation as a financially oriented customer service function that balances cost control with support for the business
- Strong process and project management skills. Strong mentoring and staff development skills are required
- Strong organizational, team-building and people skills. The ability to work and navigate a high touch client service organization built on results
- Strong affinity for follow-up and follow-through management style
- Strong communication and leadership skills and the ability to assume increasing responsibilities in a rapidly-changing environment
- Ensure that credit balances are processed in an accurate and timely manner
- Responsible for the execution of credit balance refund policies, requirements, and procedures
Credit Administrative Assistant
05/2010
-
05/2015
San Francisco, CA
- Previous Investment Bank experience particularly in middle office is very desirable
- This role contributes to BMO Financial Group’s overall business results by effectively investigating credit applications/making credit decisions to build business at the CCC and attain exceptional customer service turnaround/results
- Can do attitude with strong ability to build relationship with future and current member
- General working knowledge in the following areas: Bank Secrecy Act, US Patriot Act, Regulation CC and funds availability, GLB and Member Financial Privacy, NCUSIF, and Truth in Savings
- Acquire more Cabela’s Visa accounts. Have confident outfitters pitching the card
- Makes recommendations regarding the Bank’s product and market coverage in collaboration with research, product development, marketing, pricing, and operational activities
- Building strong relationships throughout the business to increase the visibility and engagement with the credit function
- Ensure a customer centric approach delivers mutually beneficial outcomes for L’Oreal and our customers
- Responsibility for ensuring KPI’s (Debtor insurance compliance, overdue credit, bad debts and defaults) are met in line with credit policies and procedures
Education
University of Phoenix - Metairie Campus
2005 - 2009
Bachelor's Degree in Business
Professional Skills
- Strong leadership, technical, analytical, and problem solving skills, excellent organizational, communication, and time management skills are necessary
- Effective written and verbal communications skills, strong attention to detail, excellent telephone skills, and service quality
- Good oral and written communication skills, interpersonal skills, negotiation skills, and ability to influence
- Time Management, Improving Customer Experience, Interpersonal skills, and decision making skills
- Strong verbal and written communication skills, including presentation and facilitation skills
- Experience with written and verbal communications, along with a strong attention to detail, excellent telephone skills, and service quality
- Strong leadership skills, as well as effective verbal and written communication skills
How to write Credit Resume
Credit role is responsible for analytical, customer, credit, organizational, interpersonal, negotiation, financial, english, microsoft, advanced.
To write great resume for credit job, your resume must include:
- Your contact information
- Work experience
- Education
- Skill listing
Contact Information For Credit Resume
The section contact information is important in your 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 Credit Resume
The section work experience is an essential part of your 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 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 credit position you're applying to.
The work experience section should be the detailed summary of your latest 3 or 4 positions.
Representative Credit resume experience can include:
- Highly effective influencing skills, uses appropriate interpersonal and commination skills to gain acceptance of an idea, plan or activity
- Excellent verbal and written communication skills. Active listening skills
- Strong PC skills with database extractions and manipulation skills
- Excellent interpersonal skills to communicate effectively and diplomatically with internal and external customer both in person and over the telephone
- Customer Service skills with proven negotiation skills and persuasiveness
- Excellent written and verbal communication skills Demonstrated problem/solving and decision making
Education on a Credit Resume
Make sure to make education a priority on your credit resume. If you’ve been working for a few years and have a few solid positions to show, put your education after your 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 Credit Resume
When listing skills on your 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 credit skills:
- Solid knowledge of SAP and experience in manufacturing desired or excellent system skills in a relevant ERP system
- Demonstrate excellent people management and employee engagement skills, including leading, developing, coaching and motivating staff
- Good organizational skills and a proven ability to communicate clearly verbally and in written form to groups of varying sizes are important requirements
- Excellent negotiating skills; Strong attention to detail
- Strong C# with multi-threading and excellent design skills
- Solid experience in SME/Coporate lending experience; GSAM/collection experience
List of Typical Experience For a Credit Resume
1
Experience For Credit Collector Resume
- Strong problem-solving skills with a demonstrated ability to independently steer complex issues to resolution
- Effective communication, evaluation and problem solving skills
- Strong negotiating skills – Able to negotiate assertively when required with partners and within the team
- Experience as a Country Credit Head in the Banking & Finance industry with solid experience in People Management
- Excellent relationship management, lending, and new business development/sales skills
- Good inter-personal and team handling skills
- Strong analytical / modelling skills with high attention to detail
- Set into action, works effectively to achieve goals, able to manage multiple priorities
2
Experience For Director of Credit Resume
- Experience processing details, understanding and prioritizing their importance and drawing clear and concise conclusions
- Has practical experience working in or auditing an investment banking environment or practical experience working on related support infrastructure role
- Strong BI experience including data warehousing, ETL, dimension modeling. (Business Objects, Cognos)
- Personal planning, organising and time management skills
- Strong knowledge & experience of handling installment lending on credit cards
3
Experience For Credit Union Resume
- Experience and strong working knowledge of AACU systems, lending products and processes
- Appropriate experience and skill, as well as the appropriate training, license, and/or credentials where applicable, in the course subject
- Effectively manage the collections process within the team ensuring KPI’s are achieved and exceeded
- Perform effectively in a fast paced multi-tasking environment
- Proven managerial and re-engineering experience of at least 3 years preferably in credit or operation functions
- Interact effectively with unit managers, lending officers, unit support staff, credit administrators and all levels of management
- Eight or more years of experience in Private Client Group as a Private Banking Relationship manager, credit underwriter or equivalent experience
4
Experience For Credit Card Specialist Resume
- Proven and demonstrated knowledge of small ticket leasing and loan credit risk analysis
- Five or more years of experience in Private Client Group as a Private Banking Relationship manager, credit underwriter or equivalent experience
- Expert knowledge of data analysis tools including skills to develop analysis queries and procedures
- Demonstrate ability to operate lift equipment, including forklifts and scissor and boom lifts
- Superior customer service/phone skills
- Good commercial credit knowledge and proven ability to make sound credit decisions
- Be able to translate strategy into action, works effectively in ambiguous situations
5
Experience For Credit Balance Specialist Resume
- Strong quantitative background and experience in structured finance and credit analysis
- Strong desire to get silly and have a good time with your team
- A strong structured finance background with experience in credit analysis
- Effectively manage the credit process per company policy & procedures
- Effectively collaborate with business partners and hotels as required and create best practices in order to improve our collection process
- Coaching of analysts as needed to ensure accurate and quality work and proven demonstration of a shared ownership with Analysts in quality of work
- Training and experience in Six Sigma or LEAN
6
Experience For Credit Team Leader Resume
- Rating agency experience
- Billing, Invoicing and Cash Applications Experience
- SQL and SAS writing and updating of data queries to identify, investigate, and validate possible illogical furnishing
- Proven track record in managing, communicating and escalating issues
- Experience of performing cash flow modelling to support large, interesting and innovative transactions across Italy and other European jurisdictions
- Experience of contributing to researching and drafting a detailed client pitch book in response to a client’s request for proposal
7
Experience For Credit Initiation Manager Resume
- Assist with problem solving, training and/or mentoring less experienced personnel
- Assist with problem-solving, training and/or mentoring less experienced personnel
- Expert understanding of, and experience in dealing with, the credit risks associated with trading floor business products
- Skill in identifying root causes of routine problems/issues by asking probing questions and the ability to develop recommendations for resolution
- Solid and demonstrable track record of analysing, evaluating and managing private credit assets
- Experience hands on underwriting of small ticket in a leasing or banking environment
- We have a small highly skilled development team building and supporting the core Credit eTrading data development modules
- Experience supervising and motivating large teams to exceed goals
- Ideally have broad mortgage banking experience with a focus in underwriting
8
Experience For Credit Card Administrator Resume
- Credit Reporting Data Furnishing and/or eOscar credit dispute investigation experience
- Experience with Big Data technologies and programming constructs such as map-reduce, distributed and concurrnt programming, and various data structures
- Solid understanding of specific industries, including fundamental market factors, and capital markets activity and influences
- Experience in being a sparring partner/ advisor to Senior Management
- Installment, lease or revolving processing experience
9
Experience For Credit Ops Senior Specialist Resume
- Accounting experience (or accounting education)
- Previous installment, lease or revolving processing experience
- Good understanding of the Credit Card business & Lending Economics
- Previous experience analyzing and interpreting financial statements and trade credit reports
- Previous CRE lending experience including construction loan management
- Provides oversight to the Credit Evaluation Program ensuring employees are assessed adequately prior to granting of suggested discretionary limits
- Experience with SQL servers and SQL programming and Microsoft reporting services
- Experience selling Credit Card Processing, Fraud solutions, and back-office services required
- Strong understanding of financial concepts, retail, loyalty and credit programs, consumer behavior, and marketing analytics
10
Experience For Credit Services Specialist Resume
- Experience in developing and administering payment terms
- Three to five years' experience in developing credit policy, quantitative analysis with statistics or data mining background
- Five years of consumer lending and underwriting experience in a financial institution
- SQL experience, writing and updating
- Call Center experience within a healthcare setting, medical group, hospital setting or DME company
- Credit Reporting Data Furnishing and/or eOscar credit dispute investigation experience
- At least 1year Credit Reporting Data Furnishing and/or eOscar credit dispute investigation experience
List of Typical Skills For a Credit Resume
1
Skills For Credit Collector Resume
- Intermediate Excel skills required as well as a strong customer service background and excellent communication skills
- Strong written, oral, interpersonal, and presentation skills and the ability to effectively interface with senior management
- People based experience: People management and interpersonal skills, People management and interpersonal skills
- Strong attention to detail, excellent telephone skills, and service quality
- Demonstrated exactness in attention to detail and strong organizational skills
- Strong time management skills with the ability to prioritise tasks
- Demonstrate strong presentation and communication skills including the ability to clearly articulate complex scenarios to support decision making
- Proactive, good time management, effectively making decision for priorities
- Advanced math problem solving skills and analytical skills
2
Skills For Director of Credit Resume
- Proven track record of delivery against challenging objectives across a large portfolio of customers with Strong negotiation and customer relationship skills
- Demonstrate very strong verbal and written communication skills
- Having strong assertiveness and negotiating skills, with an analytical approach, being able to identify risks proactively
- Planning skills and ability to manage multiple priorities
- Excellent analytic, problem solving, critical thinking, and troubleshooting skills
- Excellent relationship management skills with focus on customer satisfaction and growing existing relationships
- Strong planning, organization, leadership and decision making skills
3
Skills For Credit Union Resume
- Possess strong problem/analytical solving skills involving several known variables in situations of a routine nature
- Effective written and verbal communication skills and outstanding service quality
- Strong mathematical skills and strategic thinking
- Excellent sales and leadership skills
- Manage the pipeline of issue validation (AIV) effectively
- 2) Good presentation skills
- Excellent analytical, written and verbal communication, and presentation skills
- Solid experience in Corporate lending experience
4
Skills For Credit Card Specialist Resume
- Excellent computer skills including MS Office products & AS-400 ERP systems
- Strong interpersonal, presentation, and negotiating skills
- Strong interpersonal and communication skills in English and Chinese languages
- Strong numerical and personal skills
- Utilize strong problem solving skills, attention to detail to identify, communicate and resolve issues
- Strong analytical skills and the ability to make sound recommendations based on analysis of customer correspondence and documents
5
Skills For Credit Balance Specialist Resume
- Effectively prioritize and manage workload
- Excellent consultation, persuasion, and negotiation skills
- Work effectively with multiple priorities and to determine the most appropriate solution based on organisational and stakeholder needs
- Excellent oral and written communication, negotiation and presentation skills
- Strong credit underwriting skills particularly in commercial real estate lending, infrastructure lending, and/ or private placement markets
- Demonstrated experience and/or strong working knowledge of Microsoft suite (Word, Excel, Outlook, etc)
- A high level of flexibility and the ability to work effectively under tight deadlines and shifting priorities
- Solid analytical skills with the ability to research and gather pertinent data
- Excellent verbal and written skills. Fluent in English
6
Skills For Credit Team Leader Resume
- Strong organizational, analytical and issue resolution skills
- Two or more years` experience Skills & Competencies
- Very good financial acumen & analytical skills
- Strong financial analysis skills and abilities are required
- Strong interpersonal skills and ability to motivate a team
- Excellent communication skills, can interact easily at all levels of the organization
- Prioritise effectively and manage workload with minimal supervision
- Strong planning, organizational, and time management skills, able to delegate and align to strategy
7
Skills For Credit Initiation Manager Resume
- Strong fraud detection, analytical, problem solving, written and verbal skills
- Strong analytical, multi-tasking, negotiation and conflict resolution skills
- Effectively cooperate with business partners and create best practices in order to improve our collection process
- Coaching skills (Advanced)
- Proven ability to transfer skill set to others, meeting and defining business goals, directing strategy, and achieving results
- Experience / strong understanding of lending involving credit reports or credit bureau analysis
- Critical thinking, problem solving, and decision making skills
- Experience with capital markets and trading product instruments and market strategies, and / or Corporate Banking or Trading Products LOB experience
- Exceptional listening and relationship-building skills
8
Skills For Credit Card Administrator Resume
- Demonstrate basic scripting ability and experience in automating operations
- Demonstrated track record of strong individual contributions, interacting with Executive level management and working within a team environment
- Logical approach & reasoning skills while analyzing competition & market trends
- Solid experience with XML, Binding and Parsing
- Solid experience using Object Oriented Programming techniques and a formal software development lifecycle
- Time management and multi-tasking skills (Advanced)
- Demonstrated ability to influence individuals and exercise good judgment in a fast-paced decision-making environment
- Prior experience with consumer loan production/operating systems
9
Skills For Credit Ops Senior Specialist Resume
- The following skills are required to process Consumer Loan Applications in a accurate and efficient manner
- Practical accounting skills
- Customer Service skills (Advanced)
- Collection experience strongly desired
- Advanced skills with Microsoft Excel and overall proficiency with Microsoft business applications
- Time management to effectively perform multiple tasks in a timely manner against SLAs
- Effectively summarize and communicate relevant findings and other information
10
Skills For Credit Services Specialist Resume
- Possess analytical skills, be data driven in decision making
- Strong Lien and Bonding experience essential
- A highly motivated, enthusiastic, target driven individual with professional sales and phone skills, with a positive attitude
- Proven experience in Collections, Customer Service and/or the Travel Industry
- Effectively manage cost of verification by maximizing Multi Bureau Hits and reduced gross verification rejects
List of Typical Responsibilities For a Credit Resume
1
Responsibilities For Credit Collector Resume
- Able to demonstrate strong influencing and negotiation skills; good networking in sales/ account teams
- Solid, demonstrated experience building, overseeing, leading, coaching and developing deal teams (e.g. recruiting, training, coaching, etc.)
- Team Leadership experience and proven track record in building and leading strong teams
- Have a good understanding of the product offering; demonstrate proven ability to develop and successfully implement new products and portfolios initiatives
- Excellent Excel Skills including V-Lookups and Pivots
- Good analytical skills and training in Business Administration
- Excellent oral and written communication skills both in Turkish and English
2
Responsibilities For Director of Credit Resume
- Excellent communication skills (oral and written) with all levels of staff and management
- Highly experiences in mortgage lending. Significant experience working with complex customers in MI space
- Prior negotiation experience within an external/internal business facing role with success in building relationships
- Advance skills on MS Excel including writing macros
- Drive execution of PME framework and principles to demonstrate end-to-end thinking and an understanding of consumer needs and customer/consumer experience
- PC Skills, Intermediate proficiency in Excel, AS400 systems familiarity, and working knowledge of Internet Explorer
- Prior experience with the insurance industry – life, P&C, reinsurance, brokers. Knowledge and understanding of insurance financial metrics and risk management
3
Responsibilities For Credit Union Resume
- Solid experience building distributed applications and services as part of a team environment
- Proficient skills in Excel, Word and Outlook
- Exceptional interpersonal, customer service, team oriented, leadership and communication skills
- Build strong and effective relationships with key partners including Operations, Compliance, Global AML and Risk
- Effectively manage the collections process
- Ensure resources within the team are deployed effectively
4
Responsibilities For Credit Card Specialist Resume
- Ensure there is a robust claims management process deployed within the team to accurately identify and categorise customers claims quickly and effectively
- Able to translate strategy into action, works effectively in ambiguous situations
- Intermediate level organizational skills with the ability to multi-task and manage work activities
- Experience in a student financial aid role preferably at the higher education level or experience in an accounting role
- Advanced computer skills in Microsoft Office, Electronic Billing System and Oracle Financial System
- Effectively communicate information and respond to questions in person-to-person and other employees of the organization
- Oral, written and telephone communication skills
- Being proactive and maintain healty partnership with all business line partners at all times; Model strong customer focus
5
Responsibilities For Credit Balance Specialist Resume
- Ownership, investigation and resolution of exceptions/fails/breaks Generation and reporting of trading risk/PnL to validate daily trading activity
- Able to prioritize assignments and assists in training/mentoring new team members
- Lead and drive standardization, automation and consolidation through designing the appropriate workflows, re-engineering and process improvement initiatives
- Four to six years of work-related experience, on-the-job training, and/or vocational training
- Excellent working knowledge of industry credit processes, lending policies and current financial and economic environments
- Extensive experience in risk based auditing or risk/control activities around trading business, Treasury or finance function
- Have some experience in administering networking devices (switches, routers) and services (Exchange, file servers, etc.)
- Experience working with electronic billing and A/R systems required
- Previous experience in dealing with customers is essential
6
Responsibilities For Credit Team Leader Resume
- Experience in banking/credit and debit cards required
- Proven ability in administering a Commercial / Non-Retail credit portfolio
- Maximize Past Due through deploying an effective strategy, drive improvement in DSO numbers for the Divisions
- Practical experience using the Bloomberg terminal, or similar product, and applicable asset class functionality
- Serves as liaison between servicing associates, internal customers, external customers and vendors to resolve issues and provide excellent support service
- Strong analytical thinker; be able to ascertain whether a meeting, issue or situation needs additional input or resources to be correctly addressed
- Numeracy, accuracy and spreadsheet modelling experience are essential
7
Responsibilities For Credit Initiation Manager Resume
- Proven track record delivering process improvement initiatives
- Experience collaborating with internal resources and external resources to meet department goals within established timelines
- Customer service experience in a high volume setting
- Strong understanding of credit union industry
- Previous experience of liaising with banks for user access would be added advantage
8
Responsibilities For Credit Card Administrator Resume
- Strong expertise in various financial management areas such as accounting principles and financial statement analysis
- Two years Billing, A/P, or A/R experience required
- Knowledge and experience of rating methodologies
- Working experience in credit and collections and customer relations
- FCRA/Metro 2 credit reporting experience
- Be willing to take on high priority, time sensitive tasks
9
Responsibilities For Credit Ops Senior Specialist Resume
- Minimal 2 years working experience in a similar function
- Strong process / job knowledge and understanding of procedures
- Experience supervising a credit team
- Proven track record of improving collections, past dues and DSO
- Related experience in a credit extension in a high demanding customer service environment
- Demonstrated critical thinking ability, able to organize and make process efficiencies
- Strong knowledge of Lexis Nexis, Work Number, Student Clearing House & other tools required
- Strong Analytical ability during customer/patient call
- Demonstrated proficiency in UCC, Financing Statements and PMSI documentation
10
Responsibilities For Credit Services Specialist Resume
- Build customer loyalty through exceptional listening , relationship and strong & structured written and verbal communication
- Skill in managing multiple tasks/projects along with the ability to work in a fast paced team environment in a self-directed manner
- Experience in the Payments industry, specifically card processing
- Have an experience to build and execute quantifiable plans; analytical thinking
- Solid accounting knowledge in particular in relation to respective areas (AR, FX, Cash…)
- Demonstrate product lifecycle management principles, ‘go-to-market’ strategies for new products and propositions
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