Credit Review Resume Sample
Horace Abbott
7505 Raphaelle Trafficway,
San Francisco,
CA
+1 (555) 825 7600
Work Experience
Credit Review Manager
02/2016
-
PRESENT
Los Angeles, CA
- Design and implementation of RBC’s wholesale credit review function
- Recruitment of a team of experienced professionals from candidates inside and outside RBC
- Evaluate activities of lending and transaction support personnel in Capital Markets and GRM, ensuring compliance with policies, approvals, monitoring and risk assessment
- Review loan underwriting practices including BRR/LIED assignment and adherence to credit policy
- Evaluate activities of lending and transaction support personnel in Capital Markets and GRM ensuring compliance with policies, approvals, monitoring and risk assessment
- Provide senior management and the Board with an objective assessment of the US wholesale loan portfolio
- Deliver to management credit information for financial and regulatory reporting
Credit Review
12/2011
-
09/2015
New York, NY
- Serve as the acting Head of the Department in those instances when the VP CRRI is away from the office
- Loan review experience or portfolio management experience (credit)
- Debt Capital Markets knowledge
- Work experience in Consumer Banking and/or Consumer Finance, or similar with focus on analytics
- Preferably experience in consumer risk management with hands-on statistical analysis related to consumer portfolios and policies
- Active participation in various forums including watched asset meetings, charge-off review meetings and various portfolio review meetings
- Individual transactional rating and/or policy questions from relationship managers and credit officers
- Internal Controls: ensure that FCR (1) maintains a viable, tested, and cost–effective contingency plan, (2) meets all requirements of information security, and (3) maintains a consistent and thorough Manager’s Control Assessment (MCA) process
Summer Internship Wealth Management Credit Review Intern
05/2009
-
10/2011
Boston, MA
- Document findings and follow up to assess resolution
- Loan structure, quality and accuracy of underwriting, identification of key risks, and overall evaluation of the ultimate support of the credit decision rendered
- Accuracy of assigned risk ratings and proper model usage
- Conduct field reviews of the Bank’s various credit portfolios to critically assess the effectiveness of each team’s controls regarding the credit risks associated with their portfolios. This work includes approving the review steps completed by the other members of the Credit Review team
- Ensure the Credit Review team operates within its annual travel and staff resourcing budgets
- Responsible for maintaining the Master Review Program to ensure it reflects any changes to the Bank’s credit/regulatory environment
- Responsible for developing the annual Review Schedule, covering all Credit Reviews included on the annual Review Process
Education
Strayer University - Chesterfield Campus
2004 - 2008
Bachelor's Degree in Business
Professional Skills
- Excellent verbal and written communication skills; proficient reading skills required
- Strong written and verbal communication skills, with the ability to communicate concisely and clearly to audiences of varying levels of seniority
- Demonstrates broad awareness, understanding and use of Risk Review systems applications and proven experience with tools such as MS Office & the Internet
- Excellent negotiation skills and the ability to make and stick to the tough call
- Demonstrable financial services experience including 5-6 years of credit experience in retail banking,
- Proven ability to change the thinking of, or gain acceptance from, others in sensitive situations, without damage to relationship. Demonstrated change agent
- Computer skills including Microsoft Excel, Word, and Outlook
How to write Credit Review Resume
Credit Review role is responsible for credit, travel, design, reporting, lending, training, retail, software, microsoft, crm.
To write great resume for credit review job, your resume must include:
- Your contact information
- Work experience
- Education
- Skill listing
Contact Information For Credit Review Resume
The section contact information is important in your credit review 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 Review Resume
The section work experience is an essential part of your credit review 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 review 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 review position you're applying to.
The work experience section should be the detailed summary of your latest 3 or 4 positions.
Representative Credit Review resume experience can include:
- Demonstrated solid communications skills - written and oral
- Demonstrated understanding of commercial credit principles and strong analytical skills
- Proficiency with Excel,Word, other computer skills
- Enthusiastic, self-motivated, effective in a dynamic fast-paced environment and willing to demonstrate personal responsibility and accountability
- Strong, effective communicator (written and verbal). Communicate findings to all levels of management
- Conducting extensive credit analysis on existing and prospective customers prior to making or recommending credit decisions
Education on a Credit Review Resume
Make sure to make education a priority on your credit review resume. If you’ve been working for a few years and have a few solid positions to show, put your education after your credit review 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 Review Resume
When listing skills on your credit review 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 review skills:
- Utilize influencing skills to resolve issues and agree to solutions prior to finalization of exam reports
- Use tools and techniques, including sampling and transactional testing, to effectively identify and assess adherence to credit policies as well as risk trends
- Language skills (Fluent in English and Spanish or Portuguese)
- Solid knowledge of lending practices, processing, compliance and documentation
- Senior experience in wholesale credit in an underwriting or adjudication capacity
- Senior experience combined in both wholesale credit in an underwriting or adjudication capacity and in a U.S. Regulatory agency
List of Typical Experience For a Credit Review Resume
1
Experience For Credit Review Manager Resume
- Performing analysis of high risk accounts prior to taking or recommending possible action
- Five years of lending and/or credit experience in commercial banking, loan review or credit administration
- Reviews loan approval documentation to validate proper approval obtained according to bank policy
- Reviews various commercial loan documents to determine accuracy prior to final loan documentation preparation
- Strong knowledge of consumer products
- Experience in a Credit Review / CQA function
2
Experience For Credit Review Specialist Resume
- Support the MD with the following
- History of originating loans
- Perform continuous monitoring of assigned portfolios and participate in portfolio review meetings
- Credit Review Function Development and Implementation
- Ensure all issues are fully vetted with line of business to ensure findings are factually accurate
3
Experience For Credit Review Senior Portfolio Monitor Manager Resume
- Ensure that business line responses are actionable and appropriate
- By applying expert judgment, evaluate management oversight process, assign overall credit management and asset quality ratings, and formulate recommendations to proactively reduce credit risk and potential losses
- Confirm and finalize recommendations and findings resulting from transactional/relationship/portfolio analyses
- Ensure all issues are vetted with line of business
- Resolve issues and agree to solutions
- Well-developed credit analysis and analytical skills, to include experience with business financial statements - Basic knowledge of credit administration, policy and procedures - Excellent technical report writing skills - Excellent verbal and written communication skills
4
Experience For Senior Credit Review Manager Resume
- Leading or participating in reviews of various credit portfolios, conducting thorough credit analyses to assess credit quality and conformance with the relevant policies and procedures
- Scoping, executing testing, identifying control gaps/required enhancements, providing recommendations for improvement, and communicating those findings to senior management
- Facing off to the local and potentially US regulators when discussing Credit Review work
- Building relationships with key senior Credit Risk clients
- Assessment of the quality of assigned portfolios and entities, including identification and evaluation of emerging risks
- Processes all incoming commercial loan requests
- Understands and accurately review a corporately approved list of documents and processes pertaining to each commercial loan request
5
Experience For Credit Review Group Manager Resume
- Clearly communicates any errors or discrepancies in requests to the commercial lending teams
- Assessment of the appropriateness of risk ratings of the assigned entities
- Support of Credit Review Managers, Credit Review Portfolio Managers, Region Heads, and FCR Management on regional and/or global tasks
- Provides accurate loan requests for preparation of commercial loan documents
- Problem solves; responsible for researching issues, handling complex customer/team member questions or issues, decision making related to workflow and/or procedures
6
Experience For Credit Review Specialist Closing Date Resume
- Remains up-to-date on all documentation, regulatory, and loan policy requirements in order to ensure loan quality
- Provides support to bank personnel, other support functions or roles
- Leads a variety of portfolio reviews and assists more senior Credit Review staff with more complex reviews
- Evaluate management oversight process, assign overall credit management and asset quality ratings, and formulate recommendations to proactively reduce credit risk and potential losses
- Experience in monitoring or originating consumer loans
7
Experience For Credit Review Specialist Senior Resume
- Serve as an information resource on commercial credit risk and policy. Partner with Credit Risk Management stakeholders to establish strong working relationships while maintaining independence
- Interacting as needed with bankers, account executives, customers and personnel within U.S. Bank
- Flexibility to travel as required (up to 30%)
- Evaluate customer conversion accounts in order to identify credit quality issues and make recommendations as to any recourse requirements
- Monitors customer accounts and/or loan portfolios in order to identify potential issues and thereby maximize credit quality and minimize the company’s credit risk and potential loss
- Proficient in Microsoft Office (Word, Access, Excel, and PowerPoint)
- Communicates well with various levels of the organization
- Learn and apply the terminology, methods, concepts and regulations that govern credit and loan operations
- Travel required (35%)
List of Typical Skills For a Credit Review Resume
1
Skills For Credit Review Manager Resume
- Strong people management and coaching
- Commercial real estate experiences
- Experience in and knowledge of the agriculture industry
- Experience in consumer risk management preferably in consumer policies as well as for hands-on statistical analysis related to consumer portfolios
- Good knowledge of SAS and SQL
- Understanding of financial analysis, accounting rules and sophisticated credit products
2
Skills For Credit Review Specialist Resume
- Working knowledge of Farm Credit Administration regulations, AgriBank, Farm Credit Bank, and the Associations’ policies and standards
- Knowledge and ability to identify existing and emerging risks and develop/identify key risk indicators
- Manages reviews, and conducts on-going portfolio monitoring activities of assigned units
- Proficient in use of statistical tools and methodology in understanding / analyzing portfolio credit risk and for sample selection
- Proficient in use of statistical tools and methodology in understanding / analysing portfolio credit risk and for sample selection
- Paid time off, including the opportunity to purchase additional vacation time
3
Skills For Credit Review Senior Portfolio Monitor Manager Resume
- Perform root cause analysis for both superior and under-performing products and/or processes
- Successful completion of formal credit training program
- Knowledge of portfolio assessment and analysis processes and practices, including computer assisted methods
- Handle multiple tasks and assignments without sacrificing quality of work performed
- Proficient using Microsoft Office applications such as Excel, Word, PowerPoint as well as PC/Windows knowledge
- Attention to detail for accurate and timely completion of documents/financial entries/recording submissions
- Partnership mentality with respect to rest of RBC enterprise
- Proficiency in Microsoft Office (Excel, PowerPoint, and Word)
4
Skills For Senior Credit Review Manager Resume
- Life insurance programs for the employee and family
- Generous tuition reimbursement program
- 401K with company match and pension programs
- Develop and maintain working relationships with executive bank management, credit approval officers and portfolio managers, regulators, in order to effectively and efficiently execute review responsibilities
- Represent Credit Review in segment risk, and related meetings with business segments
- Attend portfolio credit quality meetings with the business unit credit staff as well as problem loan meetings
- Monitor credit approval process which includes but not limited to Group Credit Committee, and Senior Credit Committee
- Possess a detailed working knowledge of the methodologies and techniques for performing credit risk review engagements and continuous monitoring activities associated with a strong independent credit review function
5
Skills For Credit Review Group Manager Resume
- Analyze macro-economic, industry, and market data impact on portfolio performance, identify early warnings and emerging risks
- Assess models used to make credit decisions
- Interpret results, summarize findings, develop recommendations, and present to senior management
- Identify and communicate emerging risk issues related to providing feedback and recommendations to enhance credit risk management practices across the enterprise
- Provide senior management and the Board of Directors with information regarding the identification, measurement and management of credit risk for assigned business units
- Contribute to the continuous improvement in Credit Review tools and methods
- Routinely follow up on identified issues and update senior management and the Board of Directors with information regarding the identification, measurement and management of credit risk for assigned business units
6
Skills For Credit Review Specialist Closing Date Resume
- Three to five years of experience in credit analysis
- Leverage across the franchise
- BA/BS or higher in business, finance, or a related field
- Knowledge of risk management principles and controls; broad based business practices, transaction structuring, credit documentation and in-depth understanding of banking practices with the ability to assess levels of adherence/execution
- Prioritize risk and view issues/risks in context (‘big picture’)
7
Skills For Credit Review Specialist Senior Resume
- Indentifies areas of improvement within assigned LOB and follows through to ensure corrective actions are acceptable, implemented and sustainable
- Demonstrated success in establishing and maintaining strong working relationships with all levels of teammates, management and external parties including regulatory personnel
- Strong conflict management skills. Demonstrates courage and practices straight talk
- Demonstrated success managing and directing teammates to deliver a value-added assurance function
- Profound sense of ethics and the ability to deal with pressure from all areas of the business
- Manage multiple tasks/projects at one time
- Detail oriented to ensure consistency of Risk Review processes
8
Skills For CEP Credit Review Senior Manager Resume
- Embraces STI core values and principles
- Sound knowledge of the Bank’s various MIS systems
- Superior written and verbal communication skills in assessing and finalizing comprehensive Credit Review reports and discussing review findings with branch and Head Office Department’s lending personnel
- Strong, proven credit skills, preferably having worked as a credit analyst or in a credit review function in a major bank/financial institution or rating agency
- Sound knowledge of credit analysis of various types of borrowers - large corporates, financial institutions, commercial real estate, small & medium sized enterprises etc
- Good understanding of the OCC and FED guidelines relating to loan classification, the shared national credit process and relevant UK and European regulatory requirements
- Good understanding of Basel II requirements applicable to credit risk
- Demonstrated ability to perform at a high level, to support our high volume of inbound calls
- Commercial lending underwriting and analysis
9
Skills For Assistant VP Credit Review Resume
- Manage audits to meet budgets and the time frame for completing audits
- Supervise and mentor junior staff, and review work papers to ensure they meet internal standards
- Properly assess potential findings for significance
- Manage multiple colleagues
- Bilingual (English-Spanish and/or Portuguese)
- Strong demonstrated analytical, investigative, organizational skills and ability to articulate the values of a recommendation to users to ensure implementation occurs
10
Skills For Team Lead Credit Review Resume
- Effective human relations skills and ability to develop strong relationships with leadership and others within the Associations. Exhibit appropriate skill and care to not alienate or put the user in a defensive posture
- Strong knowledge of the credit process with a focus on file administration, especially collateral perfection processes and legal entity signature requirements on legal documents
- Strong understanding of service quality and the ability to understand and embrace the Associations’ administration policies and procedures
- Strong understanding of general appraisal guidelines and ability to understand and embrace those additional guidelines used by the Associations
- Become proficient with systems and process across the Associations
- Think outside the box and recommend alternatives and options to problems and issues
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