Retail Credit Resume Sample
Cyril Cronin
88713 Braden Passage,
Houston,
TX
+1 (555) 558 0091
Work Experience
Portfolio Manager Retail Credit Risk
12/2017
-
PRESENT
Phoenix, AZ
- Experience in technology based, multi-project work environment
- In accordance with Mortgage Risk Manager framework, systematically review components of ML's credit risk management processes within the CL channel. Identify potential areas for improvement to credit risk management. Consider operational and credit risk practices and techniques utilized by other Bank lending groups, industry and vendor best practices. Act as the catalyst for change within ML
- Provide coaching and mentoring on operational and credit risk assessment, counterparty monitoring, liability risk management and process improvement to CL management and team members
- Sound knowledge of the Bank’s retail products, policies, processes & systems
- Thorough knowledge of the Bank’s regulatory & compliance requirements as they relate to credit granting
- Demonstrate "executive presence" and build effective relationships
- Skilled multi-tasked and ability to quickly and effectively manage demanding, competing priorities for self and others
Retail Credit Controller
07/2012
-
09/2017
Houston, TX
- Self-motivated individual who assumes ownership and promotes accountability
- Thrives on fast-paced and challenging environment
- Quantitative background with specific experience in statistical and computational methods
- Interact with outside bank examiners, internal and external auditors and other external parties to provide necessary information regarding Bank’s retail lending portfolio/segments
- Develops good working relationships with senior management; preferably experience with Citi’s Retail Risk Management organization around the globe
- Experience in heavy equipment loan or lease underwriting both large and small transactions with proven record of achievement in credit structuring of commercial transactions
- Leadership/managerial skills and/or experience leading teams in a corporate environment
- Experience in senior underwriting managing large ticket transactions in excess of $5MUSD total exposure
Retail Credit Administration Correspondent Lending Portfolio Risk Mana
02/2009
-
05/2012
Dallas, TX
- Demonstrable process improvements
- Agreed Credit Control metrics – e.g. Unallocated Cash, Unallocated Credits, Overdue Debt etc
- Provide analytical research and support in helping develop promotional marketing strategies that add value for consumers and dealers that align with Polaris’ goals
- To respond in an informed, constructive and professional manner to customer’s requests for information and queries relating to invoicing to remove potential barriers to payment
- Work with the team to ensure that the contractual processes are undertaken effectively at all times. This includes the timely despatch of appropriate agreements, pre contract information and other documentation to all customers and the communication of agreed order information to customers (where appropriate) against SLA’s
- Work with the team to keep all records of agreements, actions and modification to agreements up-to-date in the department’s systems and to ensure that there is always a robust easily accessible audit trail available to internal and external assessors in the event of process-audits taking place
- Assist in compiling and consolidating impaired loan and watch list reports on a quarterly basis. Further, provide statistics and evaluations on an ongoing basis, on risk ratings and portfolio mix with a comparison to the business plan. Recommend account downgrades to watch or impaired status under the requirements of the Bank’s lending policy and guidelines
- Provide ongoing leadership and support in the completion of 2nd Line of Defense reviews for Branch & Optimum Mortgage originated credit facilities under the Bank’s Three Lines Defense framework
Education
Globe University / Minnesota School of Business
2004 - 2009
Bachelor's Degree in Accounting
Professional Skills
- Prior Credit Risk or Banking experience is an asset
- High level of business acumen and strong understanding of how credit risk decisions impact the customer experience
- Well developed verbal and written skills
- Demonstrated process improvement orientation, with the ability to effectively drive change within teams and across stakeholder groups
- Promoting pro-business but credit controlled philosophy by developing sound credit risk strategies and continuously validating existing champion strategies
- Remarketing - 1+ years of experience
- Experience quantitatively deriving insights, then assuring the insights are leveraged to create positive impact to decision models and early warning signals
How to write Retail Credit Resume
Retail Credit role is responsible for finance, insurance, retail, credit, training, database, reporting, design, digital, modeling.
To write great resume for retail credit job, your resume must include:
- Your contact information
- Work experience
- Education
- Skill listing
Contact Information For Retail Credit Resume
The section contact information is important in your retail 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 Retail Credit Resume
The section work experience is an essential part of your retail 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 retail 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 retail credit position you're applying to.
The work experience section should be the detailed summary of your latest 3 or 4 positions.
Representative Retail Credit resume experience can include:
- Communicate effectively with our dealer partners and provide excellent service
- Ideally two years’ analytics experience working with financial consumer/retail products or retail credit lending
- Relevant and thorough experience in the retail credit risk banking sector
- Good knowledge of current and upcoming ECB regulation, among others IFRS9, Definition of Default, NPL guidelines and Basel 4
- Experience on lending via digital channels
- Experience in managing a large portfolio
Education on a Retail Credit Resume
Make sure to make education a priority on your retail credit resume. If you’ve been working for a few years and have a few solid positions to show, put your education after your retail 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 Retail Credit Resume
When listing skills on your retail 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 retail credit skills:
- Performs in-depth analysis, investigation and decisioning on retail and lease credit applications based on the company risk policy and 4 C’s of credit and then educate and communicate decisions to appropriate dealers and business clients
- Effective and open communication skills
- Extensive analytical skills and statistical knowledge
- Strong understanding of Bank lending policies and guidelines including government regulatory requirements such as CMHC or OSFI (i.e. B-20)
- Experience in data modeling preferably in the credit risk function of a bank or financial services organization
- Experience in data management, data processing and data analysis
List of Typical Experience For a Retail Credit Resume
1
Experience For Retail Credit Controller Resume
- Sound knowledge of PRC regulatory environment (China Banking Regulatory Commission (CBRC) and People’s Bank of China (PBOC) regulation and rules)
- Assists the Retail Credit Team in collection of accounts receivable
- Carries out supervisory responsibilities for assigned staff in accordance with the organization's policies and applicable laws. Responsibilities include interviewing, hiring, and training associates; planning, assigning, and directing work; appraising performance; rewarding and disciplining associates; addressing complaints and resolving problems
- Liaising with Macquarie's central Credit Risk Management division to ensure ongoing compliance with the bank's risk management policies and procedures, credit risk portfolio parameters and credit policy
- Leading disciplined, effective and productive working relationships with the business heads, regulators and senior executives within Macquarie, and find opportunities for balanced growth of portfolio
- Advanced understanding of Australian Retail lending (particularly Residential Mortgages)
2
Experience For Retail Credit Analyst Resume
- Actively collaborate in the development of flexible decision engine infrastructure on customer view
- Advance Knowledge of SAS Base
- Enthusiast team player
- Business lines: RBWM
- Carries out supervisory responsibilities for assigned staff in accordance with the organization’s policies and applicable laws. Responsibilities include interviewing, hiring, and training associates; planning, assigning, and directing work; appraising performance; rewarding and disciplining associates; addressing complaints and resolving problems
List of Typical Skills For a Retail Credit Resume
1
Skills For Retail Credit Controller Resume
- Excellent risk analysis skills and the ability to work through complex situations and yield solutions
- Experience making decisions which require extensive use of judgement and initiative while under pressure
- Drafts, updates and maintains regulatory and audit compliant documentation on the development and validation of risk models, strategies and reports
- Collections - 1+ years of experience
- Customer Service - 1+ years of experience
- Business - 3+ years of experience
- Experience on a senior management level in a large corporate essential
- Implementing step change improvements in reporting capabilities by focusing on value added activities that support both internal and external stakeholders
2
Skills For Retail Credit Analyst Resume
- Providing the Unsecured Business group with relevant and material credit risk updates on strategies, performance, and emerging risks with proposed action
- Provides superior customer service while building professional rapport with clients to sustain acceptable cashing ratios and a balanced portfolio mix
- Engages in appropriate credit training, personnel development and coaching exercises as designated by management
- Works with the business team to provide risk support for new and existing lending programs and projects
- Provides statistical analysis and reporting on retail credit risk
- Stays current on regulatory developments related to Retail Credit Risk, drafting new documentation, gap analyses, or memoranda as required
- Works with other internal teams to comply with regulatory requirements and deliver needed projects to maintain compliance on an ongoing basis
3
Skills For Portfolio Manager Retail Credit Risk Resume
- Qualification: 5 GCSE’s including Maths (or equivalent)
- Successful collection of receivables through to taking legal action where appropriate
- A sound understanding of the data, products, systems and processes with respect to Retail Risk
- Assess an individual’s creditworthiness while adhering to all regulatory and compliance requirements
- Maintain working knowledge of all bank loan programs (saleable and portfolio)
4
Skills For Retail Credit Review Group Manager Resume
- Performs detailed verification and documentation for all applications that meet the approval criteria
- Ensures compliance to all corporate standards, processes and procedures outlined in the Credit Policy Manual and set forth by management
- Executes client level strategies as outlined by management
- Assisting with the development of statistical derived strategies (rules and decision flows) for Scotiabank’s retail, small business and/or wealth management lending products portfolios using data extraction, data manipulation and summarization techniques
- Assisting in the design and development of diagnostic test cases to detect any possible error prior to their implementation in the bank’s prorietary programs
- Internal stakeholders: IT, Finance
- Supports the development, maintenance and analysis of all Retail analytics models, strategies and reports
- Ensures the accuracy of all Retail Analytics management information generated by the department, including reconciliation of data to financial accounts or other benchmarks
5
Skills For Retail Credit Administration Correspondent Lending Portfolio Risk Mana Resume
- Quickly assesses and recognizes variances and inconsistencies in data and the various outputs of particular models and reports. Works independently and makes quick decisions with respect to data elements and the various analyses to be taken generally without reference to senior staff
- Generates multiple risk related electronic files, management reports and ad hoc queries in a timely manner
- Ensure all employees are aware of and effectively identify and manage applicable money laundering (ML), terrorist financing (TF), sanctions and reputational risks
- Knowledge of SAS Enterprise Guide, Python or other programming languages
- Experience managing a varied portfolio of retail or commercial products, showing the capability to assess structure and manage transaction risks in an appropriate way
- Experience in design and execution of analytically derived decisions in a consumer financial services setting
- A keen eye for detail and the ability to manage your own workload
- Strong interpersonal and communication skills (both written and verbal) including the ability to draft various reports for senior management as well as conducting competitive environmental scans
- Credit reporting and analytics. (Required)
6
Skills For Retail Credit Marketing Analyst Resume
- Familiarity with US regulatory, compliance and governance
- 6 to 12 months A working understanding of bank technology, knowledge of primary banking applications and general banking experience. Database query tools such as SQL or similar tools/languages. (Required)
- Understand and process retail transactions involving real estate
- In the financial services sector. (Required)
- Expertise in advanced analytics, statistical techniques and tools used to derive such insight such as SAS, SPSS or R
- Accurately analyze and identify exception opportunities in accordance with bank’s standards
- Work with Sr. Manager, Retail Credit to ensure appropriate pricing and premiums have been taken into consideration and applied in accordance with standard policies
7
Skills For Senior AVP Retail, Credit Risk Management Resume
- Under the direction of the Sr. Manager, Retail Credit, preparation of Consumer and Mortgage Exception Approval Requests(CMCE) ensuring quality/ consistency of mitigation and adherence to acceptable standards
- Delivering innovative analytics that drive enhanced, profit based, credit risk strategies
- Communicate exception decisions with the internal front line staff and address their questions and/or concerns
- Work with Sr. Manager,Retail Credit to ensure appropriate pricing and premiums have been taken into consideration and applied in accordance with standard policies
- Under the direction of the Sr. Manager, Retail Credit,preparation of Consumer and Mortgage Exception Approval Requests(CMCE) ensuring quality/consistency of mitigation and adherence to acceptable standards
- Leverage credit risk experience to solve business-related problems of a primarily quantitative nature by conducting state-of-the-art quantitative analyses across the credit risk management spectrum (Targeting, Underwriting and Account Management)
8
Skills For Retail Credit Risk Specialist Resume
- Providing thoughtful feedback to business leadership regarding risk/opportunities
- Protect the bank’s assets and support proactive regulatory engagement to ensure compliance
- Make recommendations on applications submitted and decisions on all deals that fall with allocated approval authority
- Liaise with both internal and external clients
- Profit & Loss Balance Sheet extrapolation
- Coordinates with internal stakeholders to facilitate new account set-up, retail customer ownership transfers, retail customer loan subordinations, and other retail-related transactions
9
Skills For Director, Retail Credit Risk Management Resume
- Conducts credit investigations through the collection of customer financial information and other credit-related information to assess risk in managing existing accounts or establishing new accounts, while maintaining confidentiality
- Coordinates with other internal departments to ensure proper business partner information, such as billing identification codes, changes in bank accounts, payment terms, and methods of payments are maintained
- Identifies, reports, and tracks customer service complaints or disputes. Organizes and maintains file data on customers. Investigates complaints and disputes to ensure prompt resolution
- Demonstrated relationship skills with the ability to influence and negotiate with senior management, regulators and clients
- Effectively manage relation with relevant stakeholders locally and in Head Office
10
Skills For Retail Credit Audit & Internal Controls Senior Analyst Resume
- Possess experience in residential mortgage credit risk management
- Actively cooperate to build up a network among other ING units globally
- Developing and enhancing lending strategies, policy, prudential controls, and risk-based analytics to enable real time mortgage credit decisions
- Understanding key drivers within the Italian unsecured lending and mortgage market
- Collaborates with others to execute continuous improvement process in areas such as credit, collections, information systems and reporting
- Conducts ad hoc analysis supporting credit and collections function
- Explore opportunities of alternative credit scorings also through fintech and of those coming from PSD2 framework
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