Corporate Credit Resume Samples
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Corporate Credit Resume Samples
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TD
T Dooley
Torrey
Dooley
95485 Nicholas Plains
Dallas
TX
+1 (555) 383 1491
95485 Nicholas Plains
Dallas
TX
Phone
p
+1 (555) 383 1491
Experience
Experience
San Francisco, CA
Corporate Credit Manager
San Francisco, CA
Maggio Inc
San Francisco, CA
Corporate Credit Manager
- Assesses thoroughly the credit risk in all proposals for a designated portfolio to facilitate a sound loan portfolio loan quality/ minimize loan loses and maximize return on investment
- Manage credit functions related to Corporate, HNW or Financial Institutions segments
- All assessments are forwarded to the TL for final comments/discussions etc
- Provide guidance to Business Units in the structuring of proposals
- Discusses all complex /other business proposals with the Business Units to ensure that credit worthy accounts are not rejected for want of and/or inaccurate information
- Identify deteriorating credits at an early stage and take ameloriative action in conjunction with TL and the Business Unit to avoid any impairment and, in extreme cases, minimize any loss to the bank
- Help achieve the bank’s strategic goal of having a world-class infrastructure in risk
Los Angeles, CA
Corporate Credit Risk Manager
Los Angeles, CA
Dietrich-Kemmer
Los Angeles, CA
Corporate Credit Risk Manager
- Formulation and recommendation and/or evaluation of credit proposals, with a comprehensive risk assessment for new or increased facilities, as well as annual risk reviews on the existing portfolio base. This will usually entail engaging with Head of Business and sales staff
- Present applications to Credit Committee and other Risk forums involving Senior Management
- Coordinate and ensure that the post-approval implementation of facilities and legal documentation is in accordance with the conditions of sanction
- Follow up and address non-adherence to terms and conditions of sanction by counterparties; to consider the inherent risk therein and to make recommendations as to action to be taken to regularise or mitigate such increased risk
- Coordinate research in respect of industry and market risk in relation to counterparty exposures on the underlying portfolio
- Make timeous, sound and pragmatic recommendations and decisions in managing accounts within portfolio
- Participate in projects as delegated from time to time
present
Philadelphia, PA
Product Manager, Corporate Credit Cards
Philadelphia, PA
Runte, Hoeger and Pouros
present
Philadelphia, PA
Product Manager, Corporate Credit Cards
present
- Manage product P&L including financial planning, setting growth objectives and managing key revenue drivers
- Recommend new strategies and develop product roadmap based on competitive benchmarking and financial analysis
- Provide input into retention, acquisition, loyalty and usage strategies to ensure alignment with product strategies
- Develop product strategy for Corporate Credit Cards including pricing, positioning, sales and distribution strategy and card features, primarily for CFS/NCG clients
- Identify performance trends and recommend strategies to address weaknesses
- Teamwork and cooperation
- Support Marketing and Client Engagement in development of overall positioning and branding of Commercial Cards portfolio; ensure marketing strategy optimizes advertising/marketing activities of Retail Credit Cards and Business Financial Services
Education
Education
Bachelor’s Degree in Industry Knowledge
Bachelor’s Degree in Industry Knowledge
Boston University
Bachelor’s Degree in Industry Knowledge
Skills
Skills
- Analysing – detailed analysis of financials and environment in which a company is operating and associated Risk
- Knowledge of Commercial Credit Risk System and other relevant bank systems
- Knowledge of lending fundamentals, credit procedures and processes as laid out in the Barclays Africa Wholesale Credit Risk Standards
- Knowledge of credit analysis techniques
- Good communication skills
- Creating and innovating
- Leading and supervising
- Deciding and initiating action
- Adhering to principles and values
- Formulating strategies and concepts
13 Corporate Credit resume templates
Read our complete resume writing guides
1
Corporate Credit Strategist VP Resume Examples & Samples
- Advanced degree in Math/Physics/CS/Engineering or overseas equivalent
- Previous experience in a relevant front-office role is required
- Strong knowledge of Credit products, including their quoting and trading mechanisms
- Strong math/statistics/data analysis skills; knowledge of machine learning techniques is a plus
- Excellent communication skills
- Ability to work independently and interact productively with trading, sales, and technology
- Strong focus on delivery
- Familiarity with topics in electronic trading is desirable
- Strong programming skills. Specific language skills not required but experience in Java/Scala, Q/KDB+, R is desirable
2
Mid-corporate Credit Manager Resume Examples & Samples
- Reporting to the MCCM, the MC provides primary support to the MCCM, the LP Head and Mid-Corporate business leaders and bankers for complex Mid-Corporate credit processes and portfolio monitoring to ensure the portfolio maintains strong quality, while facilitating growth of the portfolio
- Assumes some credit structuring and other credit process responsibilities from the MCCM
- Manages underwriting requests for Mid-Corporate credit extensions, quarterly reviews and annual reviews; prepares CAS and credit memos, drafts term sheet. Proactively identify issues and/or concerns and potential solutions, if any, to the identified issues and concerns
- Provides initial approval within the Mid-Corporate Loan Products platform of transactions
- Leads cash flow analyses of the financial condition and credit worthiness of existing and potential Mid-Corporate clients; manages due diligence processes
- Ability to manage complex Mid-Corporate transactions and be able to work independently in customer meetings and maintain high level dialogue with company management, including the Chief Financial Officer and Chief Executive Officer
- Prepares monthly and/or quarterly reviews of existing Mid-Corporate borrowers to track compliance with loan covenants, raising potential concerns to with the MCCM, the LP Head and Mid-Corporate business leaders and bankers; monitors actions taken to address remedial management
- Participates in meetings with new and existing clients to support idea generation, business growth and operates as a subject matter expert on Citi credit policies and practices
- Maintains extensive knowledge in the various products and services offered in the Commercial Banking Mid-Corporate Business, including interest rate derivatives, foreign exchange, trade finance, and cash management
- Independently formulates questions and directly engages with customers/prospects, in addition to the MCCM, the LP Head and Mid-Corporate business leaders and bankers to address any information, issues, or concerns
- Provides input and creative advice on pitch books and marketing proposals to support the Mid-Corporate business leaders and bankers
- Assists with the preparation of reports, information requests, credit inquiries, Greenlight memos, term sheets, and other special requests from the MCCM, the LP Head and Mid-Corporate business leaders and bankers
- Perform industry and geographical research and other due diligence as needed
- Recommend changes to process to achieve greater efficiency
- Oversees activities of and coaches the administrative and junior staff, including ensuring relevant activities are completed (e.g., system updates, ticklers, Basel updates)
- Bachelor’s degree in finance, economics or accounting; Master’s degree in finance or accounting (preferred)
- 7-10 years experience working in a financial institution in a credit role (credit trained)
- Some experience in structuring bilateral and syndicated credit agreements
- Some experience with customers with credit needs in the Mid-Corporate Target Market
- Some understanding of the Mid-Corporate Loan Syndication marketplace and its impact on the assessment of credit and market risk
- Some exposure to the broad array of Mid-Corporate capital markets products including high yield notes, convertible bonds and private and public equity
- Skills in partnering with sales management to achieve goals
- Negotiating experience
- Ability to structure, negotiate and manage complex credit transactions
- Highly proficient in spreadsheet and word processing applications (Excel and Word are preferred), including the use of graphs and charts
- Strong analytical skills including the ability to read and assess individual and company financial statements, cash flow, industry and competitive analysis and projections
- Experience in cash flow, borrowing base and ABL structures
- Demonstrated understanding of legal documentation minimum standards and experience meeting all loan closing requirements
- Ability to act independently with respect to discussions with accounting staff and senior management during prospect/customer interactions
- Demonstrated knowledge of intermediate accounting theory and its practical application in the credit underwriting process
- Excellent organizational skills, attention to detail, and the ability to complete assignments in a timely manner
- Excellent written and verbal communication skills that allow for interaction with clients and prospects during initial meetings and throughout the underwriting process and ongoing client relationship
- Strong problem recognition and resolution skills
- Ability to identify client needs and value added solutions
- Self-motivated with ability to work independently as well as in a team
- Must be able to formulate questions and address issues/concerns in a team environment and also on an independent and stand-alone basis with the Customer
3
Corporate Credit Originator Resume Examples & Samples
- 5-7 years of experience working with/for private equity firms, business development corporations, and other financial intermediaries; must have established relationships with NY and East Coast based middle market private equity firms and other financial intermediaries
- Combination of sourcing, structuring, and underwriting experience with illiquid private 1st, 2nd lien, and mezzanine transactions; buy-side high yield credit experience also preferred but not required
- Finance / Business undergraduate degree preferred but not required
4
Corporate Credit Risk Associate Resume Examples & Samples
- Bachelor's degree with a Finance or Accounting concentration or other related business degree
- Must have 3-5 yrs financial accounting, corporate banking, or credit underwriting experience
- Must have 3-5 years energy or commodities experience
- Strong knowledge of Capital Markets
- Strong technical skills, including accounting and financial modeling
- Strong combination of academic aptitude, quantitative skills, and strategic and creative thinking
- Ability to manage multiple complex tasks while delivering high quality results
- Leadership, initiative, self-motivation and resourcefulness
- Ability to work in a team oriented environment
- Dedication to building a career in financial services
5
Market Risk Corporate Credit & Securitised Product Group Resume Examples & Samples
- Analyse trading strategies, the risks in the trading book and market conditions
- Maintain constant dialogue with trading desks and front office support groups regarding trading strategies, limit usage, and risk representation of new trades
- Coordinate as necessary with other functional groups including quantitative research, operations, risk reporting, regulatory and capital groups
- Suitable candidates will have an excellent academic background, including a degree, or equivalent, in economics, finance, or engineering
- Suitable candidates may have circa one to two years’ experience in finance, preferably in a risk management environment
- MRD provides risk briefings to senior management and relevant risk analysis needs to be concise, accurate and timely. The candidate needs to be diligent and knowledgeable and will have strong communication and investigative skills
- Prior knowledge of market risk, credit markets and derivatives is advantageous, although broader and deeper understanding can be developed through job experience
6
Corporate Credit Manager Resume Examples & Samples
- Analytical and numerate
- Communications and presentation skills
- Commercial Credit Risk System (CCRS) and IT skills
- Negotiation
7
Senior Product Specialist Corporate Credit Resume Examples & Samples
- Serve as an internal and external proxy for portfolio manager for the assigned investment strategy
- Support the gathering and retention of assets under management by working closely with sales and client service professionals across all distribution channels
- Effectively answer client servicing questions, articulate investment team views and respond to performance issues and other investment-related issues on strategies for assigned asset class
- Educate internal audiences on investment strategies and products. Articulate investment philosophy, process and outlook, as well as performance and positioning of specific products to internal business partners and others responsible for producing and delivering content to internal (sales, client service, consultant relations and marketing) audiences
- Create strategic and global messaging for investment team on assigned investment strategy
- Produce investment analysis for use by internal and external clients
- Provide PM perspective (investment strategy positioning and performance context, voice, & messaging) to external and internal audiences
- Participate in the development and pricing of new and current products, and provide new business support where required
- Contribute content for thought leadership and white papers to be used with the most sophisticated client groups and then leveraged in most investment content firm wide
- 10 years+ of financial services experience, preferably with a focus on investment management, consulting or sell-side experience
- Prior experience as a Product Manager or Product Specialist highly desired
- Experience in corporate credit, leveraged loans and multi-sector fixed income preferred
- Strong analytical skills utilizing investment statistics, performance measurement
- Excellent organizational skills and the ability to manage multiple projects at the same time
- Knowledge of data sources for performance, flows, relevant competitive information
- Exemplary understanding of investment and portfolio management processes
- Strong knowledge of markets, products & techniques
- Highly motivated and a self-starter
- CFA or CAIA preferred; MBA a plus
8
Corporate Credit Manager Resume Examples & Samples
- Responsible for developing practical and appropriate credit solutions (i.e. lending structures) through understanding customers’ needs
- Delivering high quality and consistent, credit applications, making recommendations
- Monitor and control nominated accounts within designated portfolios
- Maintain integrity of Commercial Credit Risk System (CCRS) data ensuring financial information is updated
9
Corporate Credit Manager Resume Examples & Samples
- Assesses thoroughly the credit risk in all proposals for a designated portfolio to facilitate a sound loan portfolio loan quality/ minimize loan loses and maximize return on investment
- Manage credit functions related to Corporate, HNW or Financial Institutions segments
- All assessments are forwarded to the TL for final comments/discussions etc
- Provide guidance to Business Units in the structuring of proposals
- Discusses all complex /other business proposals with the Business Units to ensure that credit worthy accounts are not rejected for want of and/or inaccurate information
- Recommends and /or sends back applications for re-work if they fail to meet the clients required standards
- Identify deteriorating credits at an early stage and take ameloriative action in conjunction with TL and the Business Unit to avoid any impairment and, in extreme cases, minimize any loss to the bank
- Help achieve the bank’s strategic goal of having a world-class infrastructure in risk
10
Corporate Credit Manager Resume Examples & Samples
- Managing corporate credit and large debt (over €500mn)
- Portfolio management i.e. you have your own portfolio of clients
- Develop practical and appropriate credit solutions (or Lending structures) through understanding customer needs
- You will deliver high quality and consistent credit applications, making recommendations
- Feed to Chief Credit Officer
- You will be carrying out annual reviews
- Working with UK debt finance team
- Working closely work with sales & coverage team
- You will work autonomously, will have to have written full credit papers and have presented to credit committees
- The role includes significant Credit Risk Management and Business Risk Partnership
- You must be highly analytical and numerate, and have a successful track record or have proven Corporate Credit Analysis experience in an Irish Corporate Lending bank
11
Corporate Credit Risk Middle Office Manager VP Resume Examples & Samples
- Provide policy and systems’ advice and support to Credit Executives and Client Credit Managers, including investigating ad-hoc queries, liaising with other LOB Middle Offices
- Review and approve Treasury Services account reference data changes
- Support Crisis Management Processes (Raprid Exposure Drill’s)
- Manage Hotline calls from the trading floor requesting trade pre-approval, route to Credit
- Manage initiating/driving various initatives
- Provide support for Asset Manager limits/agreements
- Matrix manage broader Risk Middle Office support (Mumbai support team) as well as global agendas
- Key Stakeholder management including senior business heads, LOB heads, Audit, Compliance etc
- Manage teams within EMEA Risk Middle Office by supporting day-to-day activities currently consisteing of 25 people (18 London / 7 Singapore)
- Partnering with key stakeholders in driving direction of the group
- Participate in cross Risk and LOB in various forums ensuring appropriate risk management approach
- Liase and partner with various LOB Managers and Business Managers
- Assess strategic directions identifying efficienets and control issues
12
Corporate Credit Ratings Advisory Resume Examples & Samples
- Approximately 7 to 10 years of experience with a track record of professional success in the financial industry in fixed income, risk or other related roles
- Deep experiences with credit rating agencies is a must
- Ability to operate in teamwork with others in diverse geographic locations and flexibility to travel
- Strong interpersonal skills and self-motivation
- Strong analytical skills with the ability to rapidly grasp the mechanics of various financial products and risk concepts
- Strong organizational skills with strong attention to detail
- Fluency in English and Mandarin languages
13
Product Manager, Corporate Credit Cards Resume Examples & Samples
- Develop product strategy for Corporate Credit Cards including pricing, positioning, sales and distribution strategy and card features, primarily for CFS/NCG clients
- Business case new products and/or product changes
- Support the development and launch of Corporate Card solutions for RBC
- Manage product P&L including financial planning, setting growth objectives and managing key revenue drivers
- Identify performance trends and recommend strategies to address weaknesses
- Recommend new strategies and develop product roadmap based on competitive benchmarking and financial analysis
- Support Marketing and Client Engagement in development of overall positioning and branding of Commercial Cards portfolio; ensure marketing strategy optimizes advertising/marketing activities of Retail Credit Cards and Business Financial Services
- Act as business sponsor for product launches and enhancements
- Ensure Corporate Credit Cards sponsored projects are completed on time and on budget
- Participate as subject matter expert in enterprise projects
- Develop product migration strategy
- Understand customers’ needs by linking market research, and bank information to drive product/sales/service strategies to drive business results
- Provide input into retention, acquisition, loyalty and usage strategies to ensure alignment with product strategies
- Understand risk dynamics and price appropriately
- Share knowledge of CFS customers and Commercial/Corporate Business Credit Cards portfolio including industry dynamics, financial drivers and cardholder behaviour with colleagues in various forums including the monthly Cards Portfolio Review meetings
- Manage customer escalations
14
VP TCF & Corporate Credit Risk Resume Examples & Samples
- Review credit applications as presented by the Front Office and prepare credit advice/recommendation to higher approval authority
- Provide guidance/clarification to Account Officers as to structuring of credit facilities, presentation of information, compliance with credit policy and procedures, ensuring all risk related issues are properly and accurately addressed in the credit application
- Supervise/monitor the drafting and review legal documentation in consultation with Legal (in-house or external) and sign-off facility agreements and other documentation relating to the designated portfolio
- Approve within delegated authority transactional requests, reviews/renewals, limit excesses and/or change in collateral
- Monitor risks in relation to the designated portfolio, discuss with Front Office and report relevant findings to Regional and Head Office Risk Management and take mitigating actions
- Handle relevant pre- and post-approval credit related matters including authorizing limit inputs into credit system
- Compile and prepare credit-related reports as required from time to time
15
Internship Corporate Credit Risk Resume Examples & Samples
- Prepare internal reporting and related follow up, including CEO report, financial risk platform, provision committee and key risk indicators
- Prepare minutes of relevant and related meetings
- Ensure that required approvals and loan documentation are properly filed for each borrower
- Follow up on covenants, collaterals
- Follow up application of policies including sanction policies and certain compliance matters
- Manage review dates and rating expiry and calendar
- Liaise with front office on ratings. Approve ratings and advise on rating appeals
- Ensure that credit financial risks are properly evidenced and explained
- Ensure the application of risk procedures
- Ensure that approvals are in place and conditions are respected. Check completeness of files (approvals, green lights on documentation, conditions) before allowing disbursement. Ensure correctness of facility static data before input in Local IT system
- Liaise with relationship managers, lending officers, regional functional line and specialised credit officers on individual files
- Ensure correctness of Financial Market account opening forms
16
Analyst Corporate Credit Risk Subsidiary Banking Resume Examples & Samples
- The role will primarily involve transaction documentation, operational management and on-going monitoring of the portfolio of Corporate Banking Subsidiary clients
- The successful candidate will work closely with local and international client relationship managers, experienced credit officers and internal legal counsel to ensure smooth execution of new transactions and maintenance of existing transactions and relationships
- A requirement of the role will be to attain an understanding of the Bank’s corporate products and capabilities including loans, transactional banking, trade finance and other products
- Develop an in-depth knowledge of the Bank’s internal policies and procedures and an understanding of relevant regulatory requirements
- Prepare regular reporting for management and regulatory purposes
- Be able to work to tight deadlines, plan and prioritise appropriately and take responsibility for the completion of tasks
- Ability to handle situations professionally and with a high level of diplomacy
- Ability to build rapport and develop strong professional relationships with different business partners and directly with clients
- Attention to detail and sound commercial judgment
- Willingness and ability to express opinions and offer solutions
- Appropriate tertiary qualifications
- Some experience in an operational, credit or transactional banking capacity would be advantageous
17
Corporate Credit Market Risk Associate Resume Examples & Samples
- Provide independent oversight and control of all market risks across Corporate Credit, Structured Credit and Municipal Credit desks / products
- Set and enforce market risk limits that are aligned with the Firm’s risk appetite
- Continuously monitor the financial markets and measure the impact on MS’s portfolio
- Engage with the front office to assess the market risk on the current and potential future risk profile, trading strategies, and new products/deals. Continuously assess whether the business is taking risk consistent with the Firm’s strategy
- Evaluate and sign-off new products and/or significant transactions
- Develop a suite of comprehensive stress tests that highlight all key risks in the portfolio
- Conduct real-time market risk analysis using tools such as portfolio greeks, stress testing, liquidity analysis, and Basel capital measures such as VaR, Stressed VaR, IRC, and CRM
- Construct tools to facilitate risk and P/L analysis
- Create and deliver presentations articulating key risks and portfolio changes to senior management in a timely fashion
18
Corporate Credit Risk Manager Resume Examples & Samples
- Ownership and understanding of the risk profile of the credit portfolio allocated
- Formulation and recommendation and/or evaluation of credit proposals, with a comprehensive risk assessment for new or increased facilities, as well as annual risk reviews on the existing portfolio base. This will usually entail engaging with Head of Business and sales staff
- Present applications to Credit Committee and other Risk forums involving Senior Management
- Coordinate and ensure that the post-approval implementation of facilities and legal documentation is in accordance with the conditions of sanction
- Follow up and address non-adherence to terms and conditions of sanction by counterparties; to consider the inherent risk therein and to make recommendations as to action to be taken to regularise or mitigate such increased risk
- Coordinate research in respect of industry and market risk in relation to counterparty exposures on the underlying portfolio
- Articulate credit appetite and give guidance structure of deals and documents required
- Undertake quantitative and qualitative financial analysis to develop a comprehensive understanding of counter party risks for new or increased facilities. Conduct annual risk reviews on the existing portfolio base
- Make timeous, sound and pragmatic recommendations and decisions in managing accounts within portfolio
- Overall management of the portfolio of accounts with appropriate escalation
- Participate in projects as delegated from time to time
- A degree
- A background in credit risk related to commodities markets. Experience in assessing counterparty risk related to oil & gas and some project finance experience would be considered useful
- Experience in credit applications and transactions within a corporate risk department
- Active interaction with Front Office account representatives and the underlying diversified customer base supported by client visits when deemed necessary, either in the office or at their premises
- A track record of operating with a personal delegated authority
- Good understanding of accounting (both management and financial accounting) to analyse financial strengths and weaknesses of clients and identify potential risks to credit proposals
- Thorough working knowledge of the risk systems for monitoring and related procedures for analysing the account behaviour of clients and identifying trends and shifts in credit risk profiles
- Thorough understanding of products and facilities that give rise to counterparty credit risk
- Good understanding of vanilla lending and derivative products and facilities that give rise to counterparty credit risks, including the documentation required/presented to manage that risk
- Understanding of Basel and broader regulatory and compliance requirements
- Well-developed knowledge of financial markets
- Thorough conceptual and practical knowledge of credit procedures, policies and standards
19
Corporate Credit Portfolio Management Associate Resume Examples & Samples
- Undergraduate or Graduate degree in Finance or Accounting (Bachelor of Business Administration) with a minimum of twelve accounting coursework hours
- 2-3 years of banking experience in a corporate underwriting, leveraged finance, or client management role
- 2-3 years of Oil and Gas industry experience
- Leadership, initiative and resourcefulness
- Strong work ethic and intellectual curiosity
- Teamwork orientation
- Ability to manage multiple complex tasks simultaneously
20
Credit Risk Management Corporate Credit VP Resume Examples & Samples
- Provide support to IBD Coverage teams and the Corporate Bank with regards to due diligence and projection models on new transactions
- Document credit analysis and rationale for credit decisions
- Assist in executing credit decisions on a wide range of corporate credit transactions including underwritings and participations primarily focused in the Leveraged Lending market
- Provide support to Director in managing coverage team credit relationships within specific industry verticals
- Assist in running initial credit meetings and interaction with IBD Coverage teams and owns credit approval authority
- Ensures adherence to CRM risk appetite, policy and procedure
- Liaise with various internal constituencies, external auditors, and regulators
21
Senior Manager GRM Corporate Credit Energy Resume Examples & Samples
- Liaise and maintain strong working relationship with marketing/execution personnel in Houston, Calgary and commercial banking offices covering Oil & Gas
- Evaluate and provide recommendations for amendments
- Assess strategies and restructuring proposals for problem accounts
- Undertake industry analysis and lending guideline policy reviews for submission to Senior Management including preparation of the annual Board Report
- Preparation of authorizations to communicate the terms and conditions of the transaction
- Develop a high degree of industry knowledge/expertise and ensure the ongoing quality of the credit portfolio through the review of industry publications, the assessment of monthly/quarterly financial reporting packages, and discussions with corporate banking officers in the Calgary and Houston offices
- Assist with the training and development of, and act as a supervisor of junior staff
- Prior Credit Risk or Banking experience required
- Knowledge of Oil, Gas and Pipeline industries is an asset
- Excellent interpersonal, relationship building and communication skills
- Customer focused
- Organized with an ability to balance multiple projects in a fast paced environment
- Excellent analytical and problem solving skills with attention to detail
22
Manager Corporate Credit Central Resume Examples & Samples
- Provide high quality and timely service to the business units
- Work collaboratively with Banking to ensure key risks are identified and all relevant information needed to make an informed credit recommendation has been presented
- Review pertinent financial and Industry information and perform in-depth risk assessment identifying material risk issues for incoming credit applications
- Identify potential problem loans at an early stage
- Ensure all proposed credit exposures are in compliance with established guidelines and limits and provide rationale for exceptions
- Provide recommendations to senior executives, present and participate in discussions in senior management Credit Committees ensuring the Bank is adequately protected and profitability is enhanced
- Ensure compliance and other reporting requirements are adhered to and assess monthly/quarterly reporting packages as per Bank guidelines
- Conduct industry analysis and lending guideline policy reviews for submission to senior management, including preparation of board-level reports
- Develop a high degree of industry knowledge and expertise and ensure the ongoing quality of the credit portfolio through the review of industry publications, the assessment of financial reporting packages, and ongoing discussions with banking officers
- 2 – 5 years progressive experience in banking or credit capacity
- Ability to conduct thorough financial statement analysis and in-depth credit assessments of existing and potential customers in a variety of industries, including forward-looking projections
- Ability to keep abreast of the quickly changing accounting, legal and regulatory landscape
- Understanding of derivative products, deal structuring, due diligence & documentation, legal & accounting principles
- Understanding of the Bank’s business activities overall within specific industry sectors
- Risk assessment and portfolio management experience
- Ability to formulate recommendations to senior management and effectively support such recommendations
- Excellent analytical, communication, self-management, leadership, organization and technical skills with an ability to balance multiple projects in a fast paced environment
23
Manager Corporate Credit Special Industries Resume Examples & Samples
- Ensure prompt and timely adjudication of credit applications and periodic/annual reviews to ensure that credit applications submitted to senior/executive management and to credit committee are analyzed accurately, support information is completed and sound recommendations are made in a concise form
- Alert credit portfolio management to unsatisfactory trends in lending practices
- Early identification of problem loans and ensures accuracy of risk ratings through identification of changes in account quality (via review of industry/economic trends). Assess strategies and restructuring proposals for problem accounts
- Provide accurate data in a timely manner as requested by the various Bank offices/departments to satisfy regulatory and quarterly reporting requirements
- Ensure the adequacy, quality and completeness of authorizations to communicate the terms and conditions of the transaction
- Develop a high degree of industry knowledge/expertise and ensure the ongoing quality of the credit portfolio through the review of industry publications, and discussions with banking officers in Canada, US, Europe or other International offices
- Strong verbal and written communication skills with attention to detail
- Excellent interpersonal and relationship building skills
24
Corporate Credit Resume Examples & Samples
- 5-7+ years’ experience in relevant markets
- An understanding of markets and a keen interest in fixed income and credit
- Must possess quantitative and analytical skills with a strong attention to detail
- Asset management experience an advantage but not essential
25
Valuation Specialist Corporate Credit Resume Examples & Samples
- 3+ years of related work experience
- Bachelor’s Degree in Accounting, Finance or similar degree
- Strong understanding of Financial Products, including Investment Grade and High Yield Bonds; Bank Loans; Mezzanine Debt; Bankruptcy Claims; and, Credit Default Swaps
- Strong understanding of fair value Accounting concepts under US GAAP
- Microsoft Office/Suite proficient (PowerPoint, Word, etc.)
- Public Accounting or IPV experience at a leading Investment Bank or Asset Management firm
26
Corporate Credit Risk Manager Resume Examples & Samples
- Manage portfolio of active power & utility clients and commodity trading relationships including annual renewals, structuring updates, and program exceptions
- Assist with structuring, risk mitigation and internal policy compliance for new business opportunities
- Provide guidance to Credit and Marketing team with focus on risk identification and mitigation strategies
- Provide Credit Policy interpretation and application guidance as needed
27
Case Manager Corporate Credit Resume Examples & Samples
- Execute facilities for customers which includes complex non-standard facility documentation checking, creation of non-complex facility documentation, facility drawdown, covenant updating, security execution, condition precedent satisfaction
- Ensure that the process for setting up, amending and checking credit related data on local networks is robust and fit for purpose. This involves ownership of these processes and reviewing/checking data
- Managing data such as limits, review dates, interest rate structures, exposure policies and customer grades on internal systems
28
Corporate Credit & Securitised Product Group Market Risk Manager Resume Examples & Samples
- Daily and frequent monitoring and analysis of risk using various tools such as VaR, portfolio greeks, liquidity profile, front office risk systems, limit monitoring, etc
- Co-ordinate as necessary with other functional groups including quantitative research, operations, risk reporting, regulatory and capital groups
- Excellent academic background, including a degree, or equivalent, in Economics, Finance, or Engineering
- Prior experience of market risk including credit markets and derivatives is preferable, although broader and deeper understanding can be developed through job experience. Experience of Credit Trading and Securitised Products is ideal but not essential
- Attention to detail, project management and prioritisation skills will be key in balancing daily deadlines with timely implementation of strategic projects
29
Corporate Credit Risk Executive Resume Examples & Samples
- The ability to appropriately address a high volume of credit requests in a timely manner, while executing on management routines necessary to provide appropriate oversight of risk activities within assigned markets
- Proactively managing the portfolio in accordance with the Risk Framework and Risk Appetite. Taking ownership for identifying, escalating and resolving emerging risks and portfolio issues in a timely and professional manner
- Leveraging the industry expertise and knowledge across the Risk platform and providing strong leadership skills to ensure a strong Risk Culture exists among our business partners
- Interacting with various levels of management and developing a good working relationships with business partners
- Supporting responsible growth by maintaining a full understanding of issues and trends impacting our clients and business partners
- Assisting business partners by helping to remove obstacles and resolve issues to achieve responsible and sustainable growth
- Candidates should be experienced and qualified credit professionals
- 12-15 years experience in commercial lending including the underwriting and/or approval of credit exposures
- Knowledge of risk policies and procedures
30
Corporate Credit Risk Manager Resume Examples & Samples
- 10+ years experience in credit risk management
- Proven ability to independently own multiple concurrent activities, drive completion and produce executive level reporting
- Strong credit analytical skills preferably in the High Net Worth business with attention to detail
- Execution oriented with demonstrated project management and problem solving skills
- Strong partnering skills with ability to navigate across teams, eliminate roadblocks, drive consensus to achieve resolution and ensure successful execution
- Able to develop and maintain strategic business relationships
- Strong Negotiating skills
31
Corporate Credit Products Associate Resume Examples & Samples
- Preparation of credit packages (Prepares credit approval packages on new and renewed debt products including determination of the appropriate risk rating as well as risk factors that could change the risk rating, analysis of financial performance, performance vs. projections, covenant compliance, relationship profitability (RAROC), and any other significant risk drivers.)
- Analysis of guarantor as needed to support credit underwriting
- Assists the Debt Products Manager with review of loan documents pre-closing
- Reviews closing due diligence in collaboration with Debt Products Manager
- Tickler implementation and maintenance
- Ongoing portfolio monitoring and servicing in conjunction with Shared Services support
- Well organized, detail-oriented, and is able to manage multiple projects under pressure
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Emerging Market Corporate Credit Strategist Resume Examples & Samples
- Produce detailed fundamental analysis of individual emerging market corporates and through individual asset work and drawing on credit work of Eaton Vance's corporate credit teams
- Produce high-level fundamental analysis of the asset class to ascertain value on an absolute basis and relative basis to other asset classes
- Generate and communicate ideas on investment strategy that reflect views on opportunities in emerging markets corporates
- Recommend specific investments in emerging market corporates
- Develop regular schedule of reports that track and monitor valuations in emerging market corporate markets
- Support various product and business development initiatives within Global Income Department
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Corporate Credit Specialist Resume Examples & Samples
- Handle inbound, outbound calls and emails from our Corporate Clients whose accounts are flagged as credit cases to be worked on by team members
- Negotiate with Card members or Client companies to determine the best course of action and gain agreement for both short and long-term solutions
- Excellent Customer Service
- At least 3 years call center experience, with a minimum of 1 year credit/risk related experience and a background in back office operations
- Experience in handling elite/premium clientelle, servicing ANZ/SG markets
- Hospitality and sales background is encouraged
- Excellent fluency in English (both written and verbal)
- Fluency in Mandarin for Singapore is an added advantage
- Ability to identify and act on issues that may impact customer experience
- Commitment to deliver the highest level of customer service
- A team oriented individual with growth mindset and positive affluence
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ITO Corporate, Credit & Control Controller Resume Examples & Samples
- Act as the main point of contact for ITO 3C within the Risk Corporate scope
- Ensure timely and accurate update of risk data after credit decisions
- Documentation control to ensure that terms & conditions of Facility Documents conform to credit decision and legal requirement
- Validate fulfilment of conditions precedent, control limit availability in systems (Atlas II and CAT) in conformity to credit decisions and documentations, follow up on condition subsequent, documents/temporary waiver
- Validate the framework of required covenants in the ‘Covenant Manager’ tool, against executed credit agreements
- To certify/validate the risk data integrity in risk systems, Atlas II, CAT, and CRF and provision in MIRO in conformity with credit decision and of risk data related to Guarantors and guarantee records
- Monitoring of genuine excess or exceptions for both financing métiers products and for capital market products for corporates (based on control result of the Risk I2S team)
- Monitoring of genuine excess or exceptions for financing lines to Bank/FI (GTS exposures excluded from this scope)
- To regularly report and monitor any anomalies in legal documentation, collateral shortfall, late annual review overdue or breached covenants, underwriting, put option expiry, watchlist and doubtful assets
- To alert Risk Corporate, Business Head and Management on any indication of drift of risk profile during the control missions
- Contribute to successful delivery of systems and control reports enhancement with adequate UATs
- Promote and contribute to the implementation of a common culture and approach within ITO 3C, and promote individual initiative, autonomy and versatility
- Minimum 10 years of relevant experience with an international bank
- Degree holder or equivalent qualification in Banking or Finance
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Corporate Credit Risk Manager Resume Examples & Samples
- Leads the risk management strategies of the team’s assigned portfolios, including credit quality and portfolio management strategies
- Leads credit policy update and review processes for designated portfolios
- Identifies existing and emerging risks
- Provides expertise and guidance regarding credit issues to assigned business lines
- Provides training and tolls to the business lines regarding credit policy and other risk governance topics
- Leads production of various monthly and quarterly portfolio analyses and reports
- Works collaboratively with the business lines to manage risk
- Manages multiple projects within established timeframes
- Bachelor's or Master's degree with an emphasis on accounting, finance, and economics
- Eight or more years of commercial credit analysis, portfolio management or commercial lending experience
- In-depth knowledge of commercial lending, credit analysis and credit administration
- Strong interpersonal skills and ability to work independently
- Five or more years of leadership/supervisory experience
- Strong project management and strategic planning skills
- Advanced knowledge of risk management associated with various Wholesale/Corporate Banking credit segments; for example, large corporate and specialized industries, among others
- Strong problem solving, analytical, and reporting skills
- Solid PC skills and computer support system knowledge (Excel, PowerPoint)
- Intermediate and advanced Excel skills
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Corporate Credit Risk Intern Resume Examples & Samples
- Coach and support colleagues within the Team
- Bachelors degree or equivalent and/or the ACIB
- Excellent understanding of credit and associated risks
- Experienced user of Commercial Credit Risk System (CCRS) or a similar system to analyse, monitor and report on credit applications
- Negotiation skills
- Inter-personal skills
- Report writing skills
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Corporate Credit Manager Resume Examples & Samples
- Knowledge of credit analysis techniques
- Accreditation on use of the Commercial Credit Risk system would be an added advantage
- Good interpersonal skills that have been proven in a Business or Credit environment at a management level
- Knowledge of lending fundamentals, credit procedures and processes as laid out in the Barclays Africa Wholesale Credit Risk Standards
- Products and services frequently used by customers
- Knowledge of Commercial Credit Risk System and other relevant bank systems
- Awareness of legislation affecting the Bank and customers having the highest regard for confidentiality
- A fair understanding of current issues including macro and micro economic environment
- Communication and presentation skills
- Decision Making / Judgement skills
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Head of Corporate Credit Resume Examples & Samples
- To lead, drive the performance of and actively manage the teams charged with the business of credit risk sanctioning with specific responsibilities for Barclays CIB, Business Banking and SME portfolio customers
- Ensure as a Team Leader and sanctioner that the agreed asset quality of the Commercial portfolio is maintained, both as regards risk decisions supporting origination, interim reviews, annual reviews and on-going monitoring and control
- Deliver a World-Class Credit service for the Country of responsibility
- The role will include liaison with local regulators as needed
- B-degree in Banking and Finance
- 6 years Corporate Credit Risk environment experience
- 3 years’ experience as a Manager
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Team Leader, Corporate Credit Services Resume Examples & Samples
- Managing a team that administer loan information given by Agents on participations and Customers on syndicated or direct deals including verification of limit available, accuracy of calculations, and disbursement/application of funds
- Ensuring that terms and conditions of authorizations and/or loan documentation are being adhered to including pricing, term, and amount
- Communicating effectively with various contacts including Agent Banks to resolve issues on a timely basis
- Recognizing and bringing exceptions to policies and procedures to the attention of management for resolution when required
- Developing a solid knowledge of ACBS setup and transactional recording to ensure accuracy of accounting and business line dissemination
- Assist Manager and Director in various team-related tasks, resolution of exception items as well as special project-related work
- Oversee and montior team productivity, staffing and work volume information and report to manager on a weekly basis
- Provide guidance and coaching to immediate team staff
- 1) Knowledge and skills with corporate loan product, credit life cycle, experience with a major lending platform is required
- 2) Advance computer skills, particularly MS Office Suite - Excel, Access, Word, Power Point etc
- 3) Strong organizational and communication skills a must
- 4) Strong collaborationg, leadership and team-building skills
- 5) Analytical and detail-oriented
- 6) Self-Motivated problem solvers
- 7) At minimum a University undergrad degree in finance or business-related studies
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Corporate Credit Analysis Intern Resume Examples & Samples
- Full time students maintaining a minimum 3.2 GPA with anticipated graduation date in Spring of 2018 (Rising Senior Students)
- Preferred Majors: Business Administration/Accounting /Finance/Economics/Mathematics
- Ability to learn quickly and to work in a fast-paced environment
- Strong problem-solving ability required
- Strong communication and writing skills
- Ability to work both collaboratively and autonomously
- Must be organized and possess excellent time management skills
- Attention to detail is a must
- Strong proficiency with Excel and other Microsoft Office products (Word, Outlook, PowerPoint)
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Associate Corporate Credit Lending Resume Examples & Samples
- Assists in overseeing and monitoring the performance of Borrowers to ensure compliance with all terms and conditions of the credit authorization, and to ensure that the risk ratings for the assigned Borrowers are accurate
- Conducts market, industry, and client research in support of the ongoing risk assessment process
- Work with Managing Director & Directors and other product groups including Investment Banking, Cash Management, Foreign Exchange, Derivatives, CPG, Money Market, Energy Trading and Trade Finance to ensure their credit needs are being met
- Prepare credit reviews in accordance with minimum policy requirements regarding Annual Reporting Dates and Interim Reporting Dates
- Ensure that all credit reviews include sensitivity analysis appropriate for the risk at hand
- Ensure that credit reviews include statement breakdowns using the MFA spreadsheet tool, and that they include an MRA analysis to support the risk rating assessment, where applicable
- Monitor market and client developments, using Factiva or other similar technologies, to ensure client risk ratings are accurate and reflect all relevant material information
- Prepare and submit the Quarterly Confirmation of Internal Risk Ratings Report
- Assists in the completion of Out-of-Order reports as appropriate (daily, quarterly)
- Work with the Managing Director & Directors to ensure that loan and security documentation reflects the details of the credit authorization
- Coordinate with Origination in the preparation and presentation of Loan Capital Committee analysis and documentation
- Identify and communicate credit risk issues, concepts, and mitigations/solutions effectively
- Contribute to meeting team objectives
- Credit Origination tasks
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Corporate Credit Manager ZAR Resume Examples & Samples
- People leadership, management & development: Manages the Corporate Credit Team, plans successions & optimizes capabilities
- Negotiates agreements on a variety of levels (seniority & Value) with major & minor customers, and ensures proper implementation of such agreements
- Controls the application of credit offered by the company to stimulate its trading operations while ensuring the recording of goods supplied, the rendering of accounts, the prompt collection of money due to the company and the adherence to company credit and discount facilities
- Determines and develops company policies relevant to the granting and controlling of credit limits and terms, and proper application thereof throughout the company
- Formulates and specifies all procedures relative to the Accounts Receivable and invoicing areas of the business. Provides the necessary guidance for correct development of these applications and offers the necessary staff training in these systems and the disciplines related thereof
- Takes responsibility for proper performance of the entire debtors admin, policy, procedures, functions, etc
- Maintains contact & provides input in GD/CS area, particularly with regard to problem areas such as TAP, Pricing, etc. Provides suggested solutions
- Liaises with GD/CS Admin on customer-related matters & systems
- Consults regularly with customers, attorneys and Trade Associations to achieve most beneficial settlement of outstanding balances, whilst minimizing bad debts
- Attends to Departmental training needs through consultation with staff, personnel Department and outside agencies, as applicable
- Communicates with other business areas regarding credit control matters – Internal & external
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Corporate Credit Portfolio Management Associate Resume Examples & Samples
- Research, write and present financial and industry analyses to drive company and portfolio level decisions
- Participate in the structuring, underwriting, and documentation of credit facilities designed to meet both client and investor needs as well as balance the bank’s internal risk/return requirements
- Conduct detailed financial analysis, including financial projection modeling and company valuations to be used in underwriting decisions
- Monitor and manage credit exposure associated with the bank’s broad range of products including Commodities/FX, Derivatives, Treasury Management, Leasing, Receivable Securitization Conduits, etc
- Review term sheets, credit agreements, ISDA, and other legal documentation
- Mentor and lead junior Analysts
- 2-3 years of Asset Based banking experience in a corporate underwriting, leveraged finance, or client management role
- 2-3 years of Retail industry experience
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Director Corporate Credit Resume Examples & Samples
- Analyzes and recommends potential investment opportunities by purposefully reviewing an offering memorandum, performing targeted industry and / or asset class research, quickly evaluating an issuer's capital structure and financial position, thoughtfully analyzing comparable investment opportunities, astutely assessing and interacting with company management, strategically using independent outside research and exploring other unique features of an opportunity
- Continually monitors portfolio credits for noteworthy events that may affect credit quality, internal ratings and / or prices. Maintains detailed knowledge of specific credits followed while also mentoring, coaching and providing guidance to analysts on best practices when managing a portfolio of corporate credits
- Provides subject matter expertise in several industries and creates effective mediums by which this information is shared to interested parties within Investment Management. Develops and provides recommendations on portfolio positioning based on the information gathered about each industry
- Provides detailed analysis and assessment of private placement or public corporate credits that have encountered financial distress; makes recommendations to buy, hold or sell distressed assets. Works with and consults analysts on their assessment of distressed credits
- Reviews and evaluates amendment, waiver and prepayment requests and provides recommendations for accepting or declining the requests
- Demonstrates and clearly articulates to others the appropriate depth of analysis required for individual credit assessment and industry evaluation
- Generates and suggests innovative ideas and / or provides recommendations that would improve credit risk management, investment processes, evaluation of new investment opportunities or portfolio management initiatives
- Strengthens the overall skill set within Investment Management. Coaches less experienced analysts to develop investigative capabilities and confers investment experience to others within the team to foster career growth
- Builds and strengthens internal and external relationships with colleagues, investment bankers, sell-side analysts, rating agencies, issuers, industry experts and other sources to collect additional insights on market, industry, asset class and issuer credit developments
- Manages tasks in an efficient and effective manner; possesses an ability to make investment decisions by utilizing resources beyond what is provided by investment bankers and /or issuers
- Coordinates and plans with investment operations and other business units within the Enterprise so as to ensure the appropriate maintenance of files, databases and recordkeeping. Provides guidance and direction to analysts on maintaining information and data
- Maintains proper documentation for regulatory and compliance purposes. Supports and assists others with documentation processes, ensuring files are easily found, understood and maintained by others
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Head of Corporate Credit Management Team Resume Examples & Samples
- Corporate Credit Team – consists of the Credit Analyst & Account Management organizations which provide sector/transaction specialized risk monitoring for the Corporate platform
- Transaction Management – Front Office liaison team for all functional teams. In addition, provides support on complex transaction and project management
- Corporate Credit Coordination – coordinates credit process/methodology topics throughout the CCM team and the Corporate platform
- Knowledge of BNPP Credit Process and methodologies
- Formal credit training background
- Strong knowledge of financial statement analysis, excel, general banking products and practices
- 6+ years in a Corporate Banking environment
- Lead by example and motivate the team
- Thoughtful leader and positive agent of change
- Handle multiple projects simultaneously in a challenging environment
- Work transversally across the organization as required and maintain high standards of professionalism in all dealings with team members and external clients
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Corporate Credit Risk Manager Resume Examples & Samples
- 15 or more years of experience in an applicable risk management environment
- Considerable knowledge of applicable laws, regulations, financial services, and regulatory trends that impact their assigned line of business
- Considerable knowledge of the business line’s operations, products/services, systems, and associated risks/controls
- Expert knowledge of Risk/Compliance/Audit competencies
- Ability to manage job scope and complexity of assigned business at the departmental and/or division level
- Strong leadership and management skills of processes, projects and people
- Strong analytical, problem-solving and negotiation skills
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Corporate Credit Services Resume Examples & Samples
- Processing instructions given by Agents on participations and Customers on direct deals including verification of limit available, accuracy of calculations, and disbursement/application of funds
- Developing a solid knowledge of corproate credit account setup and transactional recording on the main loan system to ensure accuracy of accounting and business line dissemination
- Assist the Assistant Manager and Manager in various team-related tasks such as follow up with team members on status and resolution of exception items as well as special project-related work
- 1) Be Customer Focus and Performance Driven
- 2) Knowledge and skills with corporate lending, operations, major lending systems strongly preferrable
- 3) Advance computer skills, particularly MS Office Suite - Excel, Access, Word, Power Point etc
- 4) Highly effective organizational and communication skills
- 5) Strong Team PLayer
- 6) Analytical, problem solver
- 7) Highly Self-Motivated Individual
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Corporate Credit Risk Middle Office Resume Examples & Samples
- Analysing and evaluating information (prospectuses/ fund factsheets/ pension fund financial accounts/ actuarial reports/ legal doc etc.) and review of fund’s investment and leverage strategies, fund’s structure, investment restrictions and other fund details to calculate the appropriate risk appetite and assign obligor grade as per JPMorgan credit policy and review system
- Managing credit hotline calls from the trading floor requesting trade pre-approval
- Review of existing operating procedures to improve internal controls and increase operational efficiencies and ensure that these are in compliant with credit risk policies
- Manage EMEA Funds Onboarding by supporting day-to-day activities consisteing of 6 in London. Providing support for the regional lead
- Managing and developing teams and individuals performances
- Partnering with Senior Risk Executives in London
- Liase and partner with various LOB Managers, Compliance teams and Business Managers in the region
- Assess strategic directions identifying efficiences and control issues
- Management Skills
- Project management
- Influencing
- 2/3 years at VP level
- Management of previous teams
- Proven ability to deliver on change agenda
- Educated to degree standard
- Self-starter capable of working in a time sensitive environment
- 7+ years experience in Financial Services
- Prior experience working in a middle office or back-office team
- Knowledge of multiple product sets a plus (e.g., derivatives, securities and loans)
- Proactive and creative problem solving with business process reengineering experience
- Strong Excel and Project Management skills required
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Corporate Credit Risk Wholesale Credit Analytics Resume Examples & Samples
- Participating in ad-hoc projects involving various Wholesale lines of business and portfolio categories, focusing on Credit rating and Loss Given Default (LGD) methodologies
- Working with technology, LOBs, and other partners to implement changes to methodology and to enhance processes and data quality
- Providing leadership to evaluate, build, and integrate external data for WCAS initiatives
- Assisting in the preparation of progress reports and data analysis updates
- Supporting analysis and responses required from Regulators and Internal groups and WCAS management
- Credit risk background and familiarity with products and structures that create credit risk is preferred
- Qualifications with Quantitative bias preferred (Mathematics, Sciences, Engineering, Economics)
- Strong analytical skills in forecasting and interpreting results and comfortable working with large quantities of data
- Strong technical skills in using Excel and Powerpoint; R, VBA and SQL skills are pluses
- Ability to solve problems creatively while working in a dynamic and challenging environment under tight deadlines
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Corporate Credit Analytics & MI Manager Resume Examples & Samples
- Advanced level of programming using Excel VBE (SAS is preferable)
- Excellent in Microsoft Excel, Access & PowerPoint
- Perfect level of understanding of the business drivers and basics of Analytics
- High level of interpersonal / Organizational skills
- Accurate & detail oriented
- Perfect in Information Gathering & Research
- Communication (Written and Oral)
- Advanced level of knowledge in Management Information & Analytics
- Good knowledge of internal banking applications/systems
- Good understanding of the roles & responsibilities of individuals within Risk & Coverage Areas
- Finance related professional qualification is preferable, Masters is preferred
- Acceptable years of Experience in MI & Analytics field
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Corporate Credit Risk Manager Resume Examples & Samples
- Manages a complex portfolio within the bank's risk appetite and risk strategies, including the monitoring of changes in credit profile and compliance with credit agreements
- Responsible for driving speed to market and asset quality
- Develop and maintain a deep understanding of the portfolio at the client, industry, and macro level in order to assess risk and craft value added solutions that balance risk and return
- Provide high quality and efficient credit approval
- Develop, maintain, and manage internal relationships with business partners
- Partner with the Credit Risk Executive on addressing a high volume of credit requests in a timely manner, while executing on management routines necessary to provide appropriate oversight of risk activities within assigned markets
- Proactively manage the portfolio in accordance with the Risk Framework and Risk Appetite. Taking ownership for identifying, escalating and resolving emerging risks and portfolio issues in a timely and professional manner
- Leverage the industry expertise and knowledge across the Risk platform and providing strong leadership skills to ensure a strong Risk Culture exists among our business partners
- 8-10 years’ experience in commercial lending including the underwriting and/or approval of credit exposures
- Substantial leadership skills necessary to implement change and resolve issues/conflicts in a balanced and professional manner
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Corporate Credit Risk Middle Office Funds Onboarding Analyst Resume Examples & Samples
- Raise negotiation request for new ISDA/GMRA/FBF, CSA and other legal documents for counterparties to trade derivatives and securities trading; and liaising with legal department for execution of these documents
- Perform annual review of existing clients to ensure credit limits and obligor grades are based on latest available information
- Investigation and resolution of various credit exceptions including missing grade, unlinked outstanding, overline and unassigned customers
- Provide policy and systems’ advice and support to Credit Executives and Client Credit Managers
- Work closely with senior business managers to identify and reducing control gaps and operational inefficiencies within credit risk departments
- Manage relationship with various stakeholders within the organisation i.e Sales, Onboarding team, Legal, Credit risk and Business management
- Participate in cross Risk and LOB forums ensuring appropriate risk management approach
- High level Corporate and Investment Banking product knowledge
- 2/3 years at Analysit level or Junior Associate
- 3+ years experience in Financial Services
- Prior experience working in a middle office or back-office team advantageous
- Knowledge of multiple product sets a plus (e.g., derivatives, securities and loans) advantageous
- Deals comfortably with ambiguity and uncertainty; working effectively and independently as part of a team
- Previous Risk experience a plus
53
Corporate Credit Valuation Controller Resume Examples & Samples
- Monthly independent valuation of the global Corporate Credit portfolio using external data sources and internal models
- Working with liquid credit products such as corporate bonds, corporate loans, credit default swaps and less liquid financial products e.g.: CDS Index tranches
- Preparing summaries on review results for senior finance executives and the trading desks
- Enhancing and streamlining existing working processes
- Understanding global financial markets, following up market movements and understanding impact on the business
- Project work as required on new systems and functionality enhancements
- Ability to assimilate complex information quickly
- Strong finance background as well as knowledge of fixed income products (preferably corporate bonds, corporate loans and credit default swaps)
- Strong Microsoft Office skills, particularly in Excel
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Corporate Credit Manager Resume Examples & Samples
- Provide objective, holistic and timely credit analysis of HCCF Retailer and Partner clients, including detailed financial analysis identifying all material risks and opportunities, commercial issues and product liability risks, in order to arrive at a balanced and informed decision or recommendation
- Underwrite higher value and higher risk Retailer and Partner client relationships in a timely and accurate manner within personal delegated underwriting authority or by making recommendations to the HCCF approvers
- Prepare higher value retailer and partner approval requests for submittal to HCUK Credit Risk Committee and the Director of Risk
- Where appropriate, support the Business Development Team in capturing new relationships and retaining existing relationships making sure the transactions are acceptable from a risk and reward perspective
- Utilise a range of underwriting tools and models such as ‘Standard and Poor’s’, Dun & Bradstreet and Company Watch, with the skills to interpret outcomes and apply consistently in order to determine an internal Risk Rating for the client
- Monitor the existing credit commitments and identify potential credit risk, as well as recommend and implement appropriate actions
- Prioritise workload and seek management assistance where necessary in order to meet internal turnaround times in line with business imperatives while adhering to a planned schedule of renewal / re-approval activity
- Maintain excellent working relationships with internal and external customers in order to optimise business effectiveness without compromising risk management imperatives
- Where required attend external meetings with Retailers, Dealers and Broker relationships providing support and expert advice including financial insight and product risk knowledge
- Managing, Training and developing a team of analysts within the Corporate Risk function
- Deputising for the Corporate Risk Manager when appropriate
- Identify and research new HCCF opportunities such as new products and sectors and present possible solutions to Management as well as creating and utilising cross divisional opportunities
- Ensure 4MLD and other KYC annual and ongoing checks are carried out on a timely basis and within requirements
- Ensure that any credit acceptance terms and conditions effectively mitigate risk and meet the risk policies and risk appetite of HCCF and HCUK
- Ensure that the HCCF Credit & Portfolio Risk Appetite document is maintained up to date
- Be vigilant for circumstances where a client may be in a vulnerable position and deliver appropriately fair solutions
- Draft and/or review departmental processes and procedures, identifying improvements to enhance operational effectiveness
- Keeping up to date with current and expected future regulatory requirements, demonstrating commercial acumen in analysing the impact of these and making balanced risk decisions
- Manage the monthly Risk Matrix Meetings and Watch List assessment
- Awareness of changes in the macro and micro economy and changes in market sector performance, understand the impact of such changes and risks they pose, and manage risk decisions across the team appropriately
- Attend the monthly Corporate Risk review meeting and where appropriate deputise as chairperson for the Corporate Risk Manager
- To undertake any other duties as specified from time to time in accordance with Hitachi Capital (UK) PLC's business requirements
- Minimum 5-7 years corporate credit analysis experience within a UK bank or commercial finance business
- Demonstrable ability to communicate at senior management level
- Educated to degree level (A relevant degree with numerical content, preferably 2:2 or above)
- Knowledge of the Retail sector
- Sound understanding of Risk management principles e.g. financial accounts and corporate risk
- Office product skills
- Knowledge and experience of UK consumer/retail financial services industry
- Detailed understanding of drivers of portfolio pricing, profitability and risk/ reward
- Proven leadership & people management / team development skills
- Demonstrable commercial acumen
- Proven ability to develop and implement complex projects and to manage third party suppliers
