Credit & Portfolio Risk Manager Resume Sample
Eugene Price
6719 Orie Roads,
Phoenix,
AZ
+1 (555) 124 2498
Work Experience
Credit & Portfolio Risk Manager
12/2017
-
PRESENT
Chicago, IL
- Maintain and manage a portfolio of complex accounts primarily project financings in sectors including infrastructure, power, oil and gas, etc; in various geographies in Western Europe, Central and Eastern Europe, Middle East and Africa
- Work with Capital Markets Origination (CMO) counterparts on credit approval and execution of transactions identifying key risks and structuring transactions to mitigate credit concerns
- Manage deal approval process including input into credit approval memos and transaction execution with product partners
- Perform credit analysis on quarterly and annual basis on Project and Infrastructure Finance portfolio
- Co-manage troubled assets with IRM (remedial management) colleagues including more frequent reviews/ monitoring, any amendment approvals as required, etc
- Assist with various projects across WE PECCM on an ongoing and/ or ad hoc basis including stress testing, portfolio reviews, FCR, risk rating processes, credit policies initiatives, Basel II/III exercises, etc
- Years’ experience in Process/Control Role
- Possesses strong credit card institutional knowledge of markets, products, strategies, analytical
- Conceptualize, design, and develop modeling tools and capabilities to drive
VP, Credit & Portfolio Risk Manager
02/2012
-
07/2017
Phoenix, AZ
- Montana: Billings, Kalispell, Helena, Vaughn, Fairfield
- Arizona: Casa Grande, Prescott, Yuma
- Idaho: Coeur d'Alene, Pocatello
- Wyoming: Powell, Wheatland
- Marketing Information Management
- Work with Finance regarding key loan hand-off’s & coordinate review of the forecasts
- Prepare presentations and explain models, communicate industry trends, and assess credit risks holistically
VP Credit & Portfolio Risk Manager
08/2005
-
11/2011
Los Angeles, CA
- Prepare pro forma profitability analysis evaluating ROA, ROE, and ROC
- Deliver clear view on Counterparties using Fundamental Credit Analysis as well as industry, market and exposure analysis
- This role has the opportunity for exposure to other industries within the GI&RM organization
- Prepare/work with the COE’s on credit reviews for APAC FMIs
- Monitor exposures to FMI’s in CRC and PRISM against the Facilities and MATs, and resolve excesses working with respective RM’s, Desk Heads and CRMS
- Complete quarterly reviews of equity investments in FMI’s, working with Finance
- Provide quantitative support for internal audits (ARA, FCR and Balanced Scorecard)
- Compose and develop RAF documentation for review with Brands & Global Risk Management
Education
Keiser University - Tampa Campus
2000 - 2004
Bachelor's Degree in Business Administration
Professional Skills
- Strong influencing, negotiating, and facilitation skills; and ability to manage stake-holder expectations
- Strong interpersonal skills and ability to influence at all levels of management
- Solid relationship building and management skills; professional demeanor and relentless follow-through in a non-threatening manner
- Good business acumen and the ability to connect analytics with business decisions. Good written and verbal communication skills
- The incumbent would have a proven track record of creating & leading high performance teams
- Manage multiple projects with competing deadlines & priorities
- Proven record of working with all levels of an organization’s business and technology departments
How to write Credit & Portfolio Risk Manager Resume
Credit & Portfolio Risk Manager role is responsible for technical, analytical, design, reporting, credit, mainframe, automation, retail, finance, training.
To write great resume for credit & portfolio risk manager job, your resume must include:
- Your contact information
- Work experience
- Education
- Skill listing
Contact Information For Credit & Portfolio Risk Manager Resume
The section contact information is important in your credit & portfolio risk manager 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 & Portfolio Risk Manager Resume
The section work experience is an essential part of your credit & portfolio risk manager 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 & portfolio risk manager 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 & portfolio risk manager position you're applying to.
The work experience section should be the detailed summary of your latest 3 or 4 positions.
Representative Credit & Portfolio Risk Manager resume experience can include:
- Strong planning, organizational, analytical and risk assessment skills
- Analyzing and validating internal, credit bureau and other external data sources for accuracy and their effectiveness in the program
- Performing descriptive and statistical analyses to validate hypothesis, interpreting results/outcomes and deriving business and predictive insights
- Financial services experience preferably in Risk management spanning across Loan Loss Reserves/ Loss forecasting/ CCAR/ Portfolio analytics
- Lead development of system pipelines and interfaces focused towards automation & enhanced user experience
- Conceptualize and develop effective MIS/Reporting and data capabilities to facilitate credit risk management decisions and policies
Education on a Credit & Portfolio Risk Manager Resume
Make sure to make education a priority on your credit & portfolio risk manager resume. If you’ve been working for a few years and have a few solid positions to show, put your education after your credit & portfolio risk manager 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 & Portfolio Risk Manager Resume
When listing skills on your credit & portfolio risk manager 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 & portfolio risk manager skills:
- Strong computer, analytical and quantitative skills with ability to perform, review or critique credit analysis on complex transactions
- Demonstrated people leadership/ management skills
- Possess strong project management skills with the ability to design and execute new programs
- Multi-task & delegate effectively
- Extensive knowledge of SAS programming including macro and SQL and Data Mining experience using Knowledge Studio or other similar tools
- Experience with Citi’s front office and credit risk and systems
List of Typical Experience For a Credit & Portfolio Risk Manager Resume
1
Experience For VP, Credit & Portfolio Risk Manager Resume
- With financial models, with a preference for work in auditing, forecasting/capacity planning , accounting or credit risk management
- Capability to seamlessly move from one industry to another depending on market opportunities as well as day to day deal flow from our diverse customer set
- Make presentations targeting a variety of audiences
- This role has the opportunity for exposure to other industries within the GI and RM organization
- Support the continued re-engineering of Citi’s business planning process as it evolves towards a defined target-state; focusing primarily on the data, process, and system-related components of the process
- Learn the existing challenges within each CCAR workstream and design an integrated solution which bridges the gaps between Citi’s current data architecture and regulatory requirements placed on the firm
- Conduct new/material change in FMI membership reviews, and NPAC/regulatory capital reviews, support PSRM EMEA Head, RM’s & Product Managers as needed for new or material change in memberships or credit risks taken to a FMI
2
Experience For Credit Portfolio Risk Manager Resume
- Prepare/work with the COE’s on credit reviews for EMEA FMIs
- Support PSRM EMEA head in transformational initiatives and emerging responsibilities e.g. complete the OCC required reassessments of existing QCCP’s against PFMI standards; identify/monitor Prefunding, Affiliate and Carry Broker Exposures, Basle 3 capital calculations, Review/analyse CCAR stress testing results
- Effectively collaborating with business partners in Execution, Technology, Operations, Data Management, Legal & Compliance, Decision Management and Marketing functions to ensure flawless and timely execution and management of policies
- Experience with analytical or data manipulation tools (e.g. SAS, SQL, R, SPSS) Proficient with MS Office suite
- Acquisition policy for Cards, Personal Loan and Ready Credit
- Benchmark and Risk Appetite framework development
- Portfolio Review and development of analytics framework
3
Experience For VP Credit & Portfolio Risk Manager Resume
- Management of Credit Decision engines ( CDE, BRM)
- Enforcement of Global policy, Local regulation and Business policies
- Establish and monitor new bookings in terms of adherence to policy and performance
- Analyze credit risk data and financial statements to develop, test, and execute credit risk policy to support business goals within risk appetite
- Establish strong cross-functional partnerships with Partner Management, Finance, Marketing and Operations teams to successfully execute major portfolio initiatives and marketing campaigns
- Conceptualize & execute various Financial Crimes Cyber Fraud Risk Management Big Data initiatives across all GCB LOBs
- Lead and develop a talented team of Data Scientists
- Make the best use of the available Big Data infrastructure & Data Science techniques to address Cyber Fraud Risk Management challenges
- Partner with different teams viz. Policy, Data Intelligence, Infrastructure, Operations etc. to drive the projects forward
4
Experience For VP Credit & Portfolio Risk Manager Loss Forecasting Resume
- Coordinate the development and use of Project Management tools and processes, (including reports, dashboards and the SharePoint site), providing support for all projects and project managers in Risk Compliance and Governance
- Advanced knowledge of MS Office Suite and MS Project
- Experience with end-to-end project planning and management and cross-functional project, resource, and stakeholder management. Ability to manage multiple projects, work streams or components
- Lead the Integral Risk Committee in El Salvador. Have direct oversight of the local regulatory framework encompassing all relevant regulated risks in order to ensure accurate and timely delivery of all information and completion of risk governance activities
- Definition and structuring of solutions to risk related issues, and strong technical skills
5
Experience For VP Credit Portfolio Risk Manager Resume
- Experience in managing regulations and regulatory requirements
- Demonstrate integrity, independence, leadership, sound judgment and the ability to balance sk and reward
- Capacity to work under pressure with strong and structured execution capacity
- Liaise with local Regulators being the primary contact for risk functions communicating relevant and applicable Citibank's policies
- Ensure creation of corrective action plans and resolution of risk issues raised by regulators and other corresponding internal audit functions
6
Experience For Rohq-credit & Portfolio Risk Manager Resume
- Credit Knowledge and operating under a Credit Policy or Risk Management framework
- Coordinate with the respective areas for internal and external risk management related reviews
- Make sure CCO and other local and regional stakeholders are provided with timely and accurate reports on all regulatory risk maters, and that changes are implemented in a coordinated manner
- Responsible to keep local integral risk and credit policies/procedures updated and ensure compliance and timely delivery from the relevant RMUs
- Make sure that regulatory requests, changes in regulation or new requirements related to risk are properly addressed and implemented in a timely manner
- Develop a career in ICG Risk Management with respective evolution in credit approval authority
- In-business and internal audit possibilities
7
Experience For Firm Hedge Funds Credit & Portfolio Risk Manager Resume
- Senior role in operational risk (ORM), In-business or audit functions
- Fully knowledgeable of Risk Management functions in financial services, regulatory issues, and regulatory framework
- Communicate clearly and proactively with both internal and external clients
- Think and act independently with capacity to work as a team player
- Domain on Microsoft Office and capacity to learn other technological platforms
8
Experience For Public Sector Credit & Portfolio Risk Manager Resume
- Deal with ambiguity and understand when to seek help
- Expedite corrective action when credit risk exposure exceeds the Bank’s credit risk appetite. Provide guidance and support to the Bank Divisions and loan production departments in the development and documentation of the respective credit risk objective and control processes
- Provide support to Bank Management, Bank Divisions and Loan Production staff on data analysis and risk reporting needs for the identification, measuring, monitoring, and controlling of credit risk exposures. Facilitate and recommend proactive improvements to existing credit administration and lending processes
- Support various aspects of credit stress testing, including model evaluation, validation of assumptions and respective documentation. Provide insights for the valuation of parameters for utilization in the development of credit stress testing
- Regional regulatory expert
- Work closely with bankers and risk personnel to understand the risks in proposed transactions, help to structure them to mitigate risks and approve within delegated authority. Provide guidance as needed to negotiate documentation such as loan agreements, bond indentures, ISDA’s etc. Review and provide input in developing acceptable standard terms for these agreements
List of Typical Skills For a Credit & Portfolio Risk Manager Resume
1
Skills For VP, Credit & Portfolio Risk Manager Resume
- Participate in Key Business and Risk Initiatives that aim to improve the client experience via the effectiveness and efficiency of Risk Management
- Experience in performing quantitative analysis, model documentation, segmentation analysis
- Experience in an analytical capacity is required
- Experience in project management or similar discipline
- He/she would have experience in exposing services via REST-like API and familiarity with relational or noSQL database systems
2
Skills For Credit Portfolio Risk Manager Resume
- Five years quantitative analysis, financial institution, risk management or similar experience required
- Experience in a large financial services, preferably in Risk Management
- Identifying policy optimization opportunities and delivering policy analytics from conception to execution, including performance and business impact tracking
- Tracking and reporting of all initiatives and reporting performance results, emerging trends and business opportunities to senior management
- Working with marketing, decision management and finance on the P&L’s for the acquisition investment decision
- Developing credit tests and risk strategies, balancing risk-return trade-off
3
Skills For VP Credit & Portfolio Risk Manager Resume
- Developing and managing MIS reports and adhoc analyses to measure and monitor the program, interpret trends and explain key drivers
- Managing appropriate controls for the program, including internal and external audits and policy governance tasks
- Influencing senior managers and leaders with analytically driven recommendations to improve/optimize policies
- Utilize SAS and Data Mining tools to perform data cleansing, account profiling, sampling, and statistical analyses
- Familiarity with Risk Modeling, Hypothesis Testing, Sample Size Analysis and Credit Bureau Data
- Credit Analysis (including cash flow modelling)
4
Skills For VP Credit & Portfolio Risk Manager Loss Forecasting Resume
- Manage Credit Risk on a large portfolio leveraging Big Data
- Work with the ICG Risk RMU and NAM GI&RC teams on the ongoing strategy and development of the GIRM Buffalo team
- This role has the opportunity for exposure to other industries within the PECCM (Power, Energy, Chemicals, Commodities and Metals and Mining) team
- Capability to seamless move from one industry to another depending on market opportunities as well as day to day deal flow from our diverse customer set
- Knowledgeable about risk systems infrastructure including key processes, coverage and data
- Thorough understanding of appraisal regulations, policies, and investor guidelines
- For engaging with key partners and establish partnership policies
- Analytical & data-driven mindset; ability to formulate sound analytical constructs to test different hypothesis
- Solution oriented, positive, “can-do” attitude
5
Skills For VP Credit Portfolio Risk Manager Resume
- Exposure of project / process management
- Set & meet high standards
- Create deep-dive views to dissect issues and make recommendations
- Present to internal teams and peers in other groups
- Senior executive interactions, can present credibly to both large and small groups
6
Skills For Rohq-credit & Portfolio Risk Manager Resume
- Manage and provide leadership to a team of credit risk professionals in Buffalo
- Provide guidance and leadership to Team Leads who manage the GI&RC Buffalo industry teams
- Work with system architects to define appropriate technology solutions which include planning, coordinating and participating in test phases prior to implementation
- Perform Credit Officer responsibilities for assigned relationships
- Provide guidance and leadership to Team Leads who manage the GI&RC Buffalo industry teams and coaches analysts to manage the credit functions within Global Industries
- Act as a subject matter expert for analysts and assist with workflow management of the department to ensure work is delivered in a timely and efficient manner
- Identify policy and procedure gaps within the department and propose solutions. Manage department procedure and training guidelines while ensuring MCA properly covers risks & controls for area of responsibility and quarterly self-assessments are completed in accurate
7
Skills For Firm Hedge Funds Credit & Portfolio Risk Manager Resume
- Work with system architects to define appropriate technology solutions which include planning, coordinating and participating in test phases prior to implementation. Provide training and guidance to analysts working on systems
- To attract, Identify, develop and retain key talent for the Global Industries Team
- Perform Credit Officer responsibilities for assigned relationships and provide guidance for analyst to manage credit relationships in the Industries they support
- Resolve complex problems and communicate results clearly and concisely
- Experience in using econometrics/statistical models Proficiency in writing SAS codes, including macro language, for statistical and modeling analyses Proficiency in using MS Office tools including Excel, PowerPoint, Word and Access
8
Skills For Public Sector Credit & Portfolio Risk Manager Resume
- He/she would have knowledge in front-end development to support displaying, querying and reporting requirements
- Mentor new staff on existing processes and data sources
- Automat existing processes and deliverables as much as possible
- Create presentations for analysis - clearly stating objectives, methodology and key findings
- MS Office, PowerPoint, and EXCEL
- Work independently with baseline instructions/guidelines from management line
9
Skills For Csil-firm-credit & Portfolio Risk Manager Resume
- Willingness to learn new products and programs
- Banking or financial industry knowledge and experience; familiarity with consumer and commercial banking products, processes, vendor relationships, accounting requirements and loan origination systems is required
- The ability to collaborate, motivate, persuade, and influence stakeholders at all levels is a critical component of the position. Internal and external stakeholders include the board, executive management, business units, auditors, consultants, and regulators
- A practical knowledge of statistical analysis tools and techniques used in risk management, an ability to quickly identify and quantify levels of risk to provide a road-map for mitigation of risk
- This is a statistical modeling/mathematical theory role using complex mathematical concepts and requires advanced and technical mathematical/statistical techniques
- Effective oral, written, and interpersonal communication skills demonstrated by the ability to read and interpret documents; write policies and procedures; create analytical reports; and speak persuasively with employees, management, regulatory, and vendors
- Advanced proficiency with Microsoft Excel and Word
10
Skills For Credit & Portfolio Risk Manager Loss Forecasting Resume
- Self-starter with ability to take ownership and accountability of assignments
- Proven strong problem solving, analytical and technical skills to understand and identify business needs in order to communicate solutions, and execute implementation of solutions
- Perform Ad-hoc analyses and use MIS to answer senior leadership questions.
- Develop, test, optimize and implement credit risk management policies and strategies for the Cards portfolio using statistical techniques including linear regression, logistic regression, segmentation and Chi square tests, etc
- He/she would have hands-on experience of working with large datasets on a Big Data platform like Hadoop stack (MapReduce & Spark) or AWS; with a strong programming experience in Python, R & SAS
- He/she would have the ability to work with cross functional teams; create and sustain a network of strong client relationships
- He/she would be able to coach and guide the team to overcome scalability challenges & develop robust solutions
- He/she would be familiar with iterative project development and ability to quickly learn and pick up the relevant technologies based on business needs
- Perform ad-hoc analysis to answer senior leadership questions
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