Credit Manager Resume Samples

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S Harber

Sherwood

Harber

78328 Rice Estates

Detroit

+1 (555) 763 5642

78328 Rice Estates

Detroit

Phone

p +1 (555) 763 5642

Experience Experience

Boston, MA

Assistant Credit Manager

Boston, MA

Moen, Feest and Auer

Boston, MA

Assistant Credit Manager

Establishing credit and collection policies while conducting financial analysis and make recommendations regarding account activity
Develop Key Performance Indicators (KPI's) and ensure data entry accuracy targets are achieved; Monitor and report KPI's to key stakeholders regularly
Provides information to supervisors, co-workers, and subordinates by telephone, in written form, e-mail, or in person
Provides information to supervisors and co-workers by telephone, in written form, e-mail, or in person
Maintains positive working relations with SSC, customers and department managers
Evaluate performance of lending staff based upon established reporting methodology
Work harmoniously and professionally with co-workers and supervisors

Dallas, TX

Credit Manager

Dallas, TX

VonRueden, Connelly and Metz

Dallas, TX

Credit Manager

Continuously seek to improve/develop the performance of others and continuously strive to improve his/her own performance
Assist with developing technological solutions to improve existing processes and overall portfolio management functions
Work with the Front Office Manager and Reservations Manager to ensure proper maintenance of the Guest Ledger and Advance Deposit Ledger respectively
Participates in recruiting and training, performance management and development of credit associates
Provides support to the Director, for the coordination and preparation of key performance reports for both operations and corporate management
Create a culture of self-driven curiosity development and encourage intellectual curiosity to meet individual development goals
Identify, retain, and develop key talent to support risk management and continuous improvement

present

Los Angeles, CA

Area Credit Manager

Los Angeles, CA

Howe LLC

present

Los Angeles, CA

Area Credit Manager

present

Develop a productive team by hiring, training, and providing professional development
Work directly with local management to maximize credit sales
Work with IT and other internal departments to develop, enhance and implement Credit Scoring and data analytic tools
Responsible for the management of collection metrics of assigned A/R Grant credit within the region according to established company policy
Monitor accounts on a daily basis - place accounts on hold, release orders, review collection notes, and aged balances - provide adjustments as necessary
Develop and promote effective teamwork between Credit and the Sales, Collection and Administration staff
Perform credit investigations and evaluations of credit risk in order to approve new customer accounts and assign credit limits

Education Education

Bachelor’s Degree in Finance

Pepperdine University

Bachelor’s Degree in Finance

Skills Skills

Provide expertise to minimize probability of credit losses while maintaining effective processes to maximize sales and profitability
Excellent organizational skills, attention to detail, and the ability to complete assignments in a timely manner
Able to learn and apply new knowledge and skills quickly
Ability to manage multiple assignments efficiently and effectively; ability to motivate staff and expand their skills and knowledge
Proficiency with Microsoft Office applications with solid Excel Skills (Pivot tables, Formulas, VLookups, Graphs, etc.)
Demonstrated ability to effectively build profitable and positive partnerships with the dealers
Strong communication skills to build and maintain strong relationships and interface with customers with good business sense
Being highly analytical, with strong numeracy skills and experience in analysing financials including management accounts and forecasts
Strong ability to work in a team
Sales and collection experience strongly desirable

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15 Credit Manager resume templates

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Regional Credit Manager, Wholesale Credit Resume Examples & Samples

Business Performance Management and Strategic Leadership
Portfolio Management
Quality Management
People Management
Honours in Accounting, Strategic Management or Finance is a minimum requirement
CA(SA) / CFA/
Minimum of 10 years credit / credit sanctioning experience win an Wholesale environment
Credit Sanctioning knowledge (Advanced)
Sound Financial and Economics background (Advanced)
Knowledge of Risk Management principles and practices (Advanced)
Financial and mathematical knowledge (Advanced)
Leadership Skills (Advanced)
Analytical Skills (Expert)
Stakeholder Management Skills (Advanced)

Credit Manager Resume Examples & Samples

Conduct quality credit assessments with regards to new facilities, increases to existing facilities, reviews for existing facilities or bridging facilities, etc. in order to address the financial needs of the clients whilst ensuring that the outcome is aligned to the bank's risk appetite
Credit assessment within a regional credit team structure with a bias towards higher volumes and lower value in terms of typical credit applications
Provide assessment and recommendation to the team leader on credit applications and excess reports received from business unit in excess of personal mandate based on Absa Credit Risk Model, credit policies and procedures with Service Level Agreements
Ensure that the credit assessment includes a risk, financial and credit worthiness assessment and feedback to the business unit in terms of the quality of information received for the assessment of the application
Demonstrate good understanding of the following products, cheque accounts, commercial and business based finance, term loan, revolving loans, business credit cards, fleet cards, assets based finance, etc. to guide decision making during credit assessments
Assess, within set timelines, excess reports received from business units within own mandate to mitigate the risks and motivate / recommend above own mandate to higher mandate level
Adhere and perform credit assessment within laid down processes, turnaround times, cognisant of risks and providing clear reasons for credit decisions
Assist other credit officers and business bankers with the structuring and solution of credit applications
Identify training needs in normal course of business and work together with the team leader by escalating the information to up-skilling the business unit staff
Manage and maintain the existing assigned portfolio of clients within agreed KPI’s
Ensure that out of order, impaired and dormant accounts are proactively managed in collaboration with the business unit in accordance with the credit policies, procedures and processes to mitigate the risks, ensure the best possible credit solutions and proactive actions
Provide credit solutions for the timeous rehabilitation of delinquent accounts and initiating the transfer to Business Support and / or Legal Recovery Services (LRS) for groups / accounts which cannot be rehabilitated in the normal credit environment
Visit clients when required with the Relationship Executive to assist, support and provide the business unit with credit input
Maintain and submit performance, status and other standardised reports as required by team leader
Adhere to and comply with the Service Level Agreements (SLA's) to ensure overall service delivery to the business unit
Adhere to governance, regulatory and legislative requirements during execution of duties in normal course of business by completion of necessary compulsory training and courses
Escalate potential sales leads to business units identified from the listings and daily excess reports
Adhere to Absa and Credit specific processes and policies to ensure minimal risk and findings during audits and conformance reviews. Escalate any concerns to the team leader to discuss, resolve and mitigate the risks
Ensure timeous follow up of arrangements and risk accounts identified via the daily and monthly listings and appropriated systems i.e. ARMS, CMS, etc
Demonstrate the willingness and ability to perform and ensure personal alignment to Absa's values
B-degree in Accounting /Economics or equivalent relevant NQF level no 6 qualification
Three years or more credit sanctioning under a personal mandate
Three to Five years relevant commercial credit environment
Experience in commercial credit sanctioning with a mandate

District Credit Manager Resume Examples & Samples

BS Degree and/or 5 years Indirect Auto Industry Experience
2+ Years of Credit/Management Experience
Proficiency in financial statement analysis
Superior verbal and written communication skills
Ability to interact with all levels of management, internal and external to Chase Auto Finance / Mazda Capital Services
Strong selling and negotiation skills
Self motivated, creative, innovative and collaborative
Ability to work in a positive, collaborative environment

Senior Credit Manager Resume Examples & Samples

This position requires Credit Qualification. The incumbent must possess an in-depth level of Credit knowledge and skills and an in-depth level of Portfolio Management knowledge and skills according to the standards established within the Credit Qualification Process Policies & Procedures
Responsible to build and maintain and deliver training from a library of training cases to be used in IFL programs and individual credit exposures for qualification, evaluation, etc
Significant involvement in the CIP process for candidates seeking qualification and increased discretionary limits
Expert communication and relationship management skills
Graduate degree in Finance, CPA, CFA, or MBA, or at least 15 years of relevant experience in loan portfolio management, lending, or risk management
Experience with loan workouts preferred, identification of early warning signals and management of problem accounts
In-depth knowledge of all phases of effective credit administration
In-depth knowledge of underwriting guidelines, policies and procedures
Working knowledge of Basel risk rating methodology and AIRB Basel II requirements
Working knowledge of Capital Markets Trading Products (e.g. interest rate swaps and foreign exchange), evaluation methodologies and replacement risk excesses and violations

Credit Manager Resume Examples & Samples

Oversee overall credit/operational management and control which entails monitoring and direct involvement in the operations of the business lines, participation in designing of policies and procedures and ensuring effectiveness thereof through quality controls program
Responsible for budget/expense management, reporting and forecasting for areas managed
Manages the credit approval process for all Indirect lines of business, ensuring credit, risk and compliance stadards are met
Ensures proper communication to the senior management concerning compliance of company and regulatory policies affecting areas managed
Improve the operational systems, processes and policies in support of organizations mission, support management reporting, information flow and management, business process and organizational planning
Manage and increase the effectiveness and efficiency of Support Services (HR, IT and Finance), through improvements to each function as well as coordination and communication between support and business functions
Responsible for performing a significant role in long-term planning, including an initiative geared toward operational excellence
Direct the project development and management; planning, costing, implementation and monitoring of all new and existing projects
Participate in overall operational management, planning, systems and controls
Interacts with senior management on new projects that will enhance the banks customer service capabilities by managing to budget
Reviews and approve service agreements both internally and externally. Manages vendor relationships, SLAs and overall customer service
Designs, develops, produces and delivers management reports tracking productivity, trends, risk, exposure and/or other relevant and meaningful information. Continually assesses, monitors and make recommendations regarding the operation risk of the department along with the Risk Department
Participates in major projects and analysis as requested by Senior Management
Works with Risk and Corporate Risk and Compliance Management (including Fair Lending) to ensure NICL consistently supports all corporate standards and is the NICL point of contact for all internal and external audits
Develops and mentors existing supervisors and key team members focusing on the departments succession planning and cross-training endeavors. Supports on-going internal training initiatives
Bachelor’s Degree in Business or other Required
Master’s/Advanced Degree in Business Preferred
Experience in credit scoring and modeling
Years of functional/professional experience: 10 or more years of operations management experience
Years of supervisory or managerial experience: 5 or more years
Alternative: Combination of education and experience: MBA and 5 years operational/managerial Experience
Extensive knowledge of banking products and services
Able to understand and explain complex concepts
Excellent analytical, communicational and problem-solving abilities
High level of proficiency in Microsoft applications, especially PowerPoint, Excel
Data Analysis and/or Database skills
Able to work in a complex and demanding work environment towards tight deadlines
Combination Special Education/Experience: Fifteen years combined education and experience

Senior Credit Manager Resume Examples & Samples

This role will developing future areas of focus regarding appetite to risk, management of client portfolios and embedding new ways of working within Credit Risk
Furthermore, you will manage the credit risk profile for a portfolio of clients and act on negative trends at an early stage
You will have a deep understanding of local markets, sectors and clients including maintain a proactive stance on individual portfolio allocation and acting as the go-to person for key stakeholders
Another key responsibility is to undertake activity to develop a robust risk and control culture, as well as play an active role in policy development
Finally, you will contribute to the development of a 'team working' ethos, taking responsibility for own personal development and assist peers

Assistant Credit Manager Resume Examples & Samples

Monitor account status aging reports; Initiate communications to customers with past due balances; Maintain communications log and expected payment dates
Research and resolve billing issues, customer complaints or other account discrepancies with promptness and accuracy
Perform all aspects of underwriting and due diligence including approval of new credit requests and credit line renewals for existing customers for assigned accounts
Ensure compliance with credit policies and procedures; implement new or update existing policies as needed with a focus on simplification
Develop Key Performance Indicators (KPI's) and ensure data entry accuracy targets are achieved; Monitor and report KPI's to key stakeholders regularly
Perform other duties and projects as needed
Maintain adherence to The Spirit and the Letter
Bachelor's degree with a minimum of 2 years' experience in a financial services, operations, credit or customer service setting (OR High School diploma/GED with a minimum of 6 years of experience in a financial services, operations, credit or customer service setting)
Experience with Microsoft Suite including: Word, Excel, PowerPoint, and Outlook or comparable software application
Strong financial and analysis skills. Experience in financial statement analysis, interpreting financial performance, assessing risk exposure
Excellent organizational, audit and analytical and problem solving skills
High energy, detail oriented, team player, with ability to close a variety of transactions and deliver results
Strong time management and prioritization skills with the ability to perform well under pressure. Ability to work in a fast paced environment and handle multiple task
Teams effectively across the organization; able to leverage influence skills to drive results
Customer-centric mindset and work style
Bilingual in English and Spanish (written and oral communication) is highly desirable
Prior experience formulating and implementing credit policies is highly desirable

Credit Manager Resume Examples & Samples

Manage and document the daily collection activity of an assigned A/R portfolio
Handle special projects and assignments
Research account disputes and discrepancies; perform account reconciliation
Identify projected legal and write-off accounts within the assigned portfolio
Finalize outstanding balances through negotiation or by forwarding accounts to Strategic Collection
Analyze accounts and access credit risk
Maintain portfolio at Corporate Goal. No aged residual credits over 150 days
Communicate and service branch offices to address collection issues, billing disputes, process job order overrides and credit checks, and respond to inquiries
1+ years’ credit and collections background
Credit and collection related training
Microsoft Office experience with or aptitude to learn PeopleSoft, knowledge of 10 key and basic math

Floor Plan Credit Manager, Cygl Resume Examples & Samples

Bachelor's Degree or in lieu of a bachelor’s degree a minimum of four year’s work experience
Minimum two years Accounting, Credit Analysis or Commercial Lending
Financial statement analysis skills
Auto Floor Plan experience preferred
Ability to work under critical time constraints
Self-motivated, well-organized individual

Credit Manager Resume Examples & Samples

Meet departmental and corporate goals by managing a staff of 3 to 5 individuals
Review and determination of the release or hold of orders
Account maintenance with write-off approval
Re-direct resources as needed based on individual account activity
Human Resource responsibilities include hiring, writing of reviews and recommendations for salary adjustment and/or promotion
Prepare and analyze weekly and monthly A/R reports
Supervise 3 to 5 individuals made up of Major Account Analyst, Senior Collector and/or Collector Positions
Manager Monthly A/R Portfolio
Determine of the flow of the Orders
Orchestrate efforts to enhance cash flow
Accept alternate payment arrangements outside of terms
Place for collection and/or legal action
Human Resource related decisions
Allocate departmental resources
Must be creative in order to maximize Sales and minimize risk
Must be resourceful when faced with multiple priorities of equal importance
Cross Training of staff
Special Projects as needed
Fast paced office environment
Associate/Bachelor Degree preferred
3 to 5 years of experience in credit and collections required
Familiarity with SAP Accounts Receivable system is a plus
Strong Communication, Planning, Organizing skills required
Strong Verbal and written interpersonal skills required
A self starter and out of the box thinker

Credit Manager Resume Examples & Samples

A recognised finance related qualification or degree from a university or business school
5 years’ experience gained working for an international commercial organisation or financial services sector in a similar credit and/or risk role
Significant experience of credit assessment and the setting of appropriate credit limits
Significant experience in the collection of receivables
A detailed knowledge of company financial reports, their interpretation and application to risk analysis
An ability to interact and lead discussions at a senior management level
Knowledge of bankruptcy, receivership and creditor protection and the associated legal procedures a plus
Knowledge of accounting policies and practices

Credit Manager Resume Examples & Samples

Managing a team of 5
Set up and maintain customer credit limits, and ensure all accounts are maintained within specified credit terms and limits
Manage contact with cusotmers including statements, phone calls, emails, and formal letters
Manage customer queries to resolve issues
Provide information and support for cash forecasting, monitor actuals and analyse variances to targets
Manage legal issues and dispute reporting
Ad hoc project work and testing for new systems

Credit Manager Resume Examples & Samples

Responsible for implementation and administration of credit policy
Manage investigation of credit risk and approve extension of credit terms/limits
Work with existing and new customers to investigate credit matters
Manage AR portfolio
Evaluate, control, plan department process and functions
Ensure compliance and supervise staff
Additional ad hoc projects and duties
Bachelors in Accounting, Finance or related field
CPA plus
5+ years of related credit and AR experience
Prior supervisory and/or mentorship experience
Ability to perform the above tasks with a level of independence
Systems skills in MS Office and general ledger
Ability to thrive in a fast-paced, team environment
Large company experience
Excellent communication, written and analytical skills

Credit Manager Resume Examples & Samples

Bachelor’s degree preferred but not required
Five years commercial collections experience
Transportation industry experience – strongly preferred
Must be tech savvy and confident exploring full functionality of computer systems
Lawson and/or CargoWise experience - highly desirable
Clean criminal background check and drug free
Comfortable commuting to Federal Way

Regional Production Credit Manager Resume Examples & Samples

Provide guidance, coaching, management and leadership to underwriting and credit staff to ensure the highest standards of underwriting skills possible. Effectively and consistently execute upon strategies and processes to maximize lending opportunities that meet the Bank's risk and profitability standards. Encourage the underwriting and credit staff to grow and develop in their leadership skills by serving as mentors to other credit teams within the department
Cultivate values such as “independent thinking, reason and reality” within the Credit team in order to develop skill sets so that credit decisions are based on client's overall financial situation as well as defined risk management policies
Constantly evaluate underwriting processes, as well as staffing levels, and make appropriate adjustments and recommendations in order to strive for optimal efficiency without compromising productivity or risk management standards
Monitor workflow from a systems and technology standpoint and serve as liaison to appropriate IT and communication systems personnel in order to make recommendations and take full advantage of available technical enhancements that could provide benefits
Personally co-approve or decline credit requests that exceed the lending authorities of the underwriting and credit staff, based upon established policies and procedures, while providing adequate documentation and justification for decisions representing exceptions to policy or procedure
Work closely with the Mortgage Retail Credit Manager to identify trends or concerns developing within the Retail portfolio
Develop and execute strategies designed to maximize productivity, growth and profitability while maintaining appropriate risk parameters. Including, but not limited to, product suite development, underwriting tools and processes, promotional offerings and other specialized lending opportunities
Develop a strong working relationship with the Operations Manager and provide clear feedback to Operations Manager in order to collaborate on potential process improvements as well as provide direct guidance and support as appropriate
Develop strong working relationships with the Group Mortgage Managers (GMMs) and Mortgage Market Managers (MMMs) in order to create advocacy and partnership in balancing sales and service activities by the Mortgage Retail sales team with appropriate risk management activities
Serve as a mentor and provide guidance to other Underwriting and Credit Managers
Add value to the entire department from a strategic decision-making standpoint
Bachelor's degree or equivalent education and related experience
Seven years of mortgage lending management experience
Strong coaching and communications skills
Previous underwriting and operations experience
Strong credit and analytical skills
Understanding of complex personal and business tax returns, cash flow analysis, and documentation utilized in complex lending situations
Master's degree in Business or related field or equivalent education and related training
Graduate of BB&T's Leadership Development Program, BB&T's Banking School at Wake Forest University, or similar training program at a financial institution
Knowledge of BB&T's operations, systems, and compliance and regulatory issues

Credit Manager Resume Examples & Samples

Manage the credit function of the company and enforce company credit policy; improve activities of the credit department
Analyze delinquent accounts, determine highest risk accounts, recommend actions for resolution
Use Experian and D & B credit tools to make credit decisions according to company procedures, interact with customers to obtain additional credit information as needed
Maintain bad debt and bad debt recovery records
Monitor receivables and collections, identify problem accounts, negotiate payment programs with delinquent customers, and provide regular updates of receivables to management
Identify accounts requiring collection agency or legal action and coordinate collections with third party contractors
Management and development of up to 7 staff members
5 or more years of credit management experience
Experience with large ERP system and Microsoft Office products
Knowledge of financial statements and cash flow analysis, credit research, liens and bonds
Strong communication, interpersonal and leadership skills
Experience in a construction (or similar industry) collection environment
Thorough knowledge of Lien Laws that govern the transactional relationship between the Customer and the Company

Credit Manager Resume Examples & Samples

Manage credit risk and quality of deals for assigned territory
Maintain and strengthen relationships with dealerships in assigned territory
Represent and sell the GOLF brand by relaying our commitment to excellent customer service, dependability, and flexible lending programs
Identify opportunities and methods that create a sense of team or morale in the office
Live and reinforce our values
Ability to negotiate rates and terms with auto dealers

Credit Manager Resume Examples & Samples

Reviewing credit applications, customer contracts, and extending lines of credit
Monitoring and assist with collecting on past due Accounts Receivable
Manage and mentor credit team
Process improvement and establishing good credit policies and procedures
Bachelor's degree preferred, but will consider Associates degree
4+ years experience, preferably with prior management experience
The ability to work in a fast paced environment

Credit Manager Protiviti Resume Examples & Samples

Research account disputes and discrepancies
Perform account reconciliation
Analyze accounts and accesses credit risk
Maintain portfolio at corporate goal. No aged residual credits over 150 days
Communicate and service branch offices to address collection issues, billing disputes, process job order overrides and credit checks, and responds to inquiries
4+years’ credit and collections background
Credit and collection related training. Negotiation skills
Microsoft Word/Excel/Outlook
Experience with or aptitude to learn PeopleSoft, knowledge of 10 key and basic math
Ability to handle multiple tasks, excellent written and verbal communication skills

Receivables & Credit Manager Resume Examples & Samples

Ensure department transactional and ad hoc activities are complete and timely
Client credit investigation, monitoring and follow up
Collection program design, operation and administration
Credit assessment, risk management and monitoring
Supervision of client calling and related escalations
Vendor bankruptcy protection
Payment plan and other credit negotiations
90-120 notice and other CIMC program administration
Accounts Receivable Average Days Outstanding at the Client, Office, and Firm level is at or below agreed targets
Firm collection realization, short payment recovery, and unallocated cash receipts are maintained at agreed targets
Month end and other periodic reconciliation, analysis, and reporting
Bachelor’s degree in Accounting, Finance, or equivalent experience
Minimum 3 years of experience leading a Receivables and Credit function
Legal or professional services industry experience preferred
Demonstrated knowledge of Accounts Receivable best practices, policies and processes
Extensive knowledge of Elite and ARCS
Proven ability to recruit, lead, mentor, evaluate and develop staff

Regional Acceptance Credit Manager Resume Examples & Samples

Make credit decisions by following all policies, procedures and guidelines set forth by the company. In addition, document all exceptions to company standards
Visit dealers with Relationship Managers in the various markets to build relationships with them and their dealers
Review all early payment defaults and document findings. In addition, follow-up with dealership personnel on any fraudulent items (e.g. straw purchases, missing options)
Assist in training less experienced credit underwriting staff
Good problem-solving and analytical abilities
Ability to work independently during periods of limited supervision
Proficient at calculating numerous formulas and ratios
Knowledge of all facets of automotive industry

CBG Division Credit Manager Resume Examples & Samples

Through the oversight of the line credit officers, ensures a high standard of credit quality through the process of credit approval and aggressive portfolio monitoring and management
Implements policies and procedures to comply with fundamental business and credit priorities of the bank
Supports the line officers and relationship managers efforts to develop new business, with a focus on credit
Assists the Division Executive Management with the leadership and management of the Division, including strategic and tactical planning and budgeting
Represents the bank as appropriate in its relationships with joint ventures, major customers, suppliers, competitors, government agencies, professional societies and similar groups
Bachelor's Degree in Management or Business-related subject required
Master's/Advanced Degree in Management or Business-related subject preferred
10-15 years of credit -related expereince
3 or more years managing a credit function and staff preferred
Thorough knowledge of commercial lending, sales and financial service needs of middle market and large corporate companies
Coordinate events and meetings
Planning and organizing
Written and verbal computer

Ra Senior Credit Manager Resume Examples & Samples

Review underwriting decisions regularly with the RBC Manager to ensure decisions are consistent with RAC credit philosophy and provide appropriate feedback to the credit staff
Prepare and conduct all personnel reviews for the credit underwriters and loan administrators
Ensure that credit underwriters and loan administrators are trained in their various job functions, are properly managed, and scheduled effectively to satisfy all business needs
Hold regular meetings with staff to discuss branch progress and pro-actively involve them in the daily operations of the RBC
Ensure approvals are effectively followed-up by the credit department to enhance conversion rates
Meet regularly with staff to monitor dealer portfolio and overall market trends. In addition, make recommendations to RBC Management with regard to these items
Review credit applications and make sound decisions based on company policies, procedures, and guidelines. In addition, document all exceptions
Actively be involved in the RBC's strategic budget and planning process
Understand, identify, and manage specific dealership risks as well as collateral risk to improve upon portfolio performance and raise recapture rates
Bachelor's degree or equivalent work experience
Five years of indirect automotive lending experience
Two years of successful experience in a management role
Appropriate computer skills
Proven relationship building and sales experience

Credit Manager Resume Examples & Samples

Manage global credit activities including documentary collections and letters of credit
Identify and implement process improvements to support the business need
Prepare periodic credit status reports for high risk accounts
Ensure compliance with credit policies and procedures
Oversee customer bankruptcy process
Verify all credit related SOX 404 key controls
Establish and maintain relevant performance measurement tools

Credit Manager Resume Examples & Samples

Handles collections of accounts
Monitors customer deductions and follow up
Release of daily orders for shipment and production
Maintains bad debt write off and recover logs
Issues credits and miscellaneous billings
Travel required
Collection and monitoring of customer AR
Analysis of financial statements required
Computer and Excel proficiency
Finance background with credit experience in a manufacturing environment
Ability to manage time well

Credit Manager, Alpharetta Resume Examples & Samples

Review proposed auto loans submitted by dealerships in the assigned territory
Make underwriting decisions based on credit guidelines
Share responsibility with Sales Manager to achieve volume and profit goals
Maintain company average for look-to-book ratios
Work closely with the Funding team
Ensure compliance with corporate policy
Be an expert of our business, the market, and our program; be able to use this knowledge to make business decisions that are in the best interest of the company
Be aware of and coordinate responses to all relevant competitor announcements and program changes
2-5+ years of auto industry sales experience
Previous Underwriting experience preferred

Credit Manager Resume Examples & Samples

Develops and administers credit and collections programs and policies
Implements processes to improve cash flow and decrease accounts receivables
Responsible for annual reporting and quote for credit insurance

Credit Manager Resume Examples & Samples

Investigate dunning, insurance, efficiency, software tools, to Improve and develop ERP system to optimize the credit management process
Analyse data and identify trends
Set up/maintain regional credit control procedure
Support further development of controls and procedures including obligations coming from Sarbanes-Oxley and Company Third Party Management process
Main contact for credit controllers in respect to technical questions and business practice
Set up / maintain criteria for limits and payment terms in association with all relevant departments
Facilitate the sales process by optimizing the credit management process while at the same time minimizing risk
Divisional monthly reporting based on local requirements and OTC Guidelines

Regional Credit Manager Resume Examples & Samples

Duties include working with line staff to properly structure credit requests, approving loans within the position’s authority, and facilitating approvals for relationships requiring higher level of approval
Responsible for reviewing all problem loans in the assigned region, to ensure that proper steps are being taken, to ensure that sufficient loan loss reserve has been allocated, and that losses are minimized
Work with GWB staff to ensure fast turnaround time to facilitate quality loan growth. This position exists to facilitate quality loan growth at Great Western Bank. Focus must be on how to ‘say yes’ on qualified loan requests
Analyze and interpret financial statements including proforma and projections using trend analysis, ratio analysis, cash flow analysis, discounted cash flow analysis and industry information, as well as macro/industry trends review. This could include working with the loan officer and/or the potential/present customer when necessary to obtain the needed data
Review a sampling of credits for document deficiencies and perfection while reviewing the financial condition of the borrower. This includes making recommendations as to what documentation is required for potential loans
Train and direct credit staff to assist with the underwriting and credit display process. Investigate potential or existing corporate borrowers by performing UCC Searches, Credit Reports, First Research Reports, Internet-based searches, completing relevant sections of credit display forms, and any other investigations which are necessary for the review of the credit
Complete loan review of existing credits, working closely with the respective loan officer to gain a comprehensive view of the customer, including on-site collateral inspections
Generate monthly and annual reports on the loan portfolio as requested
Assist in internal loan review of credits as directed and handle workout credits as assigned
7 + years credit analysis, agri / commercial banking, or accounting experience with at least 3 years of managerial experience required
Strong math skills and customer service skills
Strong PC skills (MS Word, Excel, Access, PowerPoint applications)
Possesses effective utilization of time management to accomplish sales goals on a consistent basis

Credit Manager Resume Examples & Samples

Reviewing and analysing transactions proposed to ensure that they are well structured, meet appropriate return hurdle and are within prudent limits
Due diligence of documentation, to unearth any covenants or clauses or issues that may impact the structure or pricing of transaction and recommend appropriate mitigants
Sector or counterparty specific market analysis and outlook, forecasting likely impact of changing market conditions on transaction or counterparty operating environment
Portfolio analysis and reporting to senior management on credit and equity exposures across the Macquarie Asset Management Group
Oversee and mentor a team of junior staff members who wish to gain experience in the area

Credit Manager Resume Examples & Samples

Develop and maintain credit policies based on Group guidelines
Lead credit department to contribute to the overall cash flow and sales growth of the company
Evaluate credit insurance
Evaluate and propose credit limits for key accounts
Minimize impacts of customer claims on operation and collection
Design AR Collection strategy and reduce overdue to a reasonable level
Maintain good working relationship with internal and external stakeholders
Coach, train and develop team

Credit Manager Resume Examples & Samples

Your role will perform regular credit analysis of existing customers and make credit recommendation on request for increased exposure
It is critical to prepare and present credit applications to appropriate lending authorities for approval as well as to clearly indentify both obligor risks & transaction risks arising from lease structure, collateral and documentations
As the specialist, you will conduct financial analysis & risk rating for applicant customers in accordance with company risk policies, additionally, assist in the maintenance of credit data, timely reporting and industry market research as well

Senior Portfolio Credit Manager Resume Examples & Samples

Work closely with Credit leaders and client teams to minimize both Synchrony Financial's and the retailers’ risk, while continuing to grow the portfolio
Work effectively cross-functionally to drive smart growth and client satisfaction
Use knowledge of customers, clients and risk processes to identify and mitigate any operational risks for the portfolio
Bachelor’s degree and 5+ years in credit risk management, or in lieu of a degree, 9+ years in credit risk management
3+ years SAS programming experience
Experience operating at a strategic level as part of a cross functional team
Use of advanced technical & analytical competencies in driving effective strategic goals within a significant functional area
Familiarity with consumer and commercial lending products and practices
Master’s Degree or MBA with advanced analytic focus, or equivalent
Advanced SAS / SQL experience

Credit Manager Resume Examples & Samples

Analyzing credit risk and presenting analyses to senior management
Oversight of the Credit and Collections department
New customer credit review
Coordinate collections and legal processes
Administration of letter of credit
Create and update credit policies
Bachelor’s Degree in Accounting or Finance, or Economics
Minimum of eight years of credit experience
Minimum of three years of supervisory experience

Credit Manager Resume Examples & Samples

Responsible for the daily collection and maintenance of an accounts receivable portfolio of core client accounts that may vary in volume, line of business, or region
Works with client VMS’s (Vendor Management Service) to extract necessary information and report to Credit Team and/or client
Provides superior customer service to internal and external customers including, field sales offices, clients, other RHI organizational units and members of the Credit Department while adhering to corporate policies and procedures
Credit risk evaluation, reconciliation of accounts, resolution of cash disputes, and timely and accurate processing of sales and bad debt write-offs
Adheres to corporate policies and procedures and may prepare ad-hoc reports, file documentation, and develop written correspondence
Associate’s degree or equivalent work experience
Credit and collection related training and negotiation skills
4+years credit and collections background
Strong systems and Excel experience (v-lookups & pivot tables strongly preferred)
Collections experience (corporate collections, not consumer), pleasant and friendly but firm personality
Good reconciliation and organizational skills
Must be detail oriented and self-motivated with the ability to handle multiple tasks, stay focused, and meet deadlines
Microsoft Word/Excel/Outlook experience with or aptitude to learn PeopleSoft, knowledge of 10 key and basic math

Credit Manager Resume Examples & Samples

Set targets and motivate the team to reduce debt
Use KPIs to focus goals and measure team progress
Exploit SAP to create advanced credit management system
Negotiate and liaise with customers
Work closely across internal teams
Forecast and identify risks, and effectively control processes
Ad-hoc projects
SAP skills essential
Professional Credit Management qualification
Relevant credit management/lead experience, preferably in a large organisation
Leadership and People management experience
Result-orientated leader

Floor Plan Credit Manager Resume Examples & Samples

Bachelor's Degree or in lieu of a bachelor’s degree a minimum of four years’ work experience
Five years Auto Floor Plan, Accounting, Financial Analysis, Credit Analysis, Commercial Lending or related experience
CPA designation
Thorough knowledge of bank/PC software programs utilized by the department
Ability to interact professionally with all levels of personnel

Credit Manager Resume Examples & Samples

A minimum of 5 years indirect automotive paper buying experience preferably with a captive finance company that has national exposure
Very strong communication skills
Decision making and problem solving ability
Flexibility to work in a team environment
Demonstrated ability to effectively build profitable and positive partnerships with the dealers

Credit Manager Resume Examples & Samples

Roll out a strategic and operational plan
Harmonize procedures across the responsible region
Coaching in credit management and career development
Support further development of controls and procedures
Obtaining on a monthly basis reporting on all outstanding balances and DSO (Days Sales Outstanding)
Monitoring aging and discuss corrective actions with local credit teams and sales teams; support local credit teams on regular (monthly) reporting out to Territory Managers, Financial Controllers and Sales Management

State Credit Manager Resume Examples & Samples

Overall management of the Sydney express lending team, ensuring SLA's are met, monitoring and driving staff individual performance (through your direct reports) and ensuring KPI's are met
Proactively taking ownership of managing internal relationships with colleagues in Sales, Credit, Risk Management, Legal and Operations to ensure a consistent and efficient lending process
Day to day management of local HR and personnel matters
Hold a credit delegation and approve deals outside of the Managers delegations as well as managing deal escalations
Promoting a strong risk management culture through accountability for the credit origination quality and operational risk outcomes
Overseeing the Branch's performance management framework, including regular and supporting coaching, feedback and professional/technical training
Building and maintaining strong working relationship with interstate counterpart, regular and extensive communication to assist achieving close consistency in culture, credit appetite, compliance and processes/procedure
Day to day workflow management responsibility, regular reporting of team performance statistics
Ad-hoc project management/involvement with the many Macquarie Leasing initiatives
Getting involved in staff culture committee, leading by example
Extensive experience managing large teams within a Commercial Banking or Asset Finance related division
Extensive credit risk management experience (mandatory)
Prior experience in the use of KPI's within a regulated environment
Excellent written and verbal communication skills whilst presentation skills are also essential
Proven influencing and negotiation skills

Athleta Field Credit Manager Resume Examples & Samples

Deliver on the Gap Inc. credit program objectives for applications, new accounts and credit sales through the development and execution of strategies and initiatives in partnership with Field Leaders
Capture and communicate the voice of the Field to multiple stakeholders at Synchrony, Athleta and Gap Inc. Global Consumer Payments
Partner with Athleta Field Leadership and drive accountability by supporting their brand, culture and values to deliver on strategic action plans and drive key program performance indicators. This may include special emphasis on lower performing Stores and Districts or focusing on improving the customer experience
Formulate and deliver strategic action plans for Athleta senior Field Leadership to drive key program performance indicators and partner to ensure accountability across the Field. This may include special emphasis on lower performing Stores and Districts
Visit Athleta Stores to assess level of credit support and diagnose Regional, District and Store level performance issues. Visits and travel may be with Field Leaders
Develop methodologies to collect competitive intelligence, changes in market conditions and identification of opportunities to share with HQ
Ensure point-of-sale and in-store Compliance to mitigate exposure/risk
Support the Sales Effectiveness Manager by being an active participant in the development and use of Salesforce, Seismic and other cross-Brand strategies, initiatives and training materials. This will also include sharing of best practices across other Brands to drive credit program utilization
***Position can be located in NY Metro or Boston area; based from a home office with significant travel required.*****
Minimum of 2 years Client Relationship Management experience
Willing to travel up to 80% of the time
Customer focused mindset with ability to respond quickly to customer needs
Private Label Sales and Marketing experience will be a plus

Athleta Field Credit Manager Resume Examples & Samples

***Position can be located in San Fran or Chicago area; based from a home office with significant travel required.*****
Bachelor’s degree in Business related field of study, or 5+ years of experience working in the retail or financial services industry
Minimum of 3 years of Field or outside sales experience
Minimum of 2 years of relationship management experience
Experience developing presentations and pitching to all levels of management
Proficiency with MS Work, Excel and PowerPoint
Willing to travel up to 90% of the time

Credit Manager, RMG Resume Examples & Samples

Project management and evaluation/analysis of debt and principal equity transactions
Due diligence of documentation, to expose any covenants or clauses that may impact the structure or pricing of a transaction
Sector or counterparty specific market analysis and outlook, forecasting likely impact of changing market conditions on a transaction or counterparty operating environment
Annual review of existing limits, market performance and outlook of counterparties
Assisting in the execution, structuring and objective analysis of new complex transactions
Real time, on-going and self-initiated monitoring of counterparty developments including, review of and seeking approval for, new transactions
Ensure that appropriate guidelines, procedures and approvals are in place for new products or limits, through proactive liaison with appropriate business unit and other relevant areas
Proactively engage with business units and colleagues to understand underlying needs and opportunities, and identify innovative solutions in a timely manner
Working in tandem with other sectors within Macquarie's risk group: Market, Operational, Compliance and Internal Audit
Confidently numerate; able to distil, assess and test validity of high volumes, and complex data
Comfortable planning and re-prioritising workload in an unpredictable environment
High degree of ownership, delivery and timeliness in a fast-paced, output focused environment
Anticipates and flags issues before they become a problem
Build strong, open, dialogue-based relationships with clients and colleagues
Strong commercial orientation and understanding of business and risk-related issues
Qualifications in finance, economics, engineering, or other quantitative disciplines
Persuasive communication skills (both written and verbal) and confidence when being challenged
Self-directed in an unpredictable market environment
Pro-active, flexible and outgoing

Market Credit Manager Resume Examples & Samples

Drive application volume to meet/exceed goals - measured as percent increase to Op Plan
Exceed customer satisfaction by meeting/exceeding established Client Satisfaction survey target goals
Enhance implementation of in-store marketing programs; conduct on-going training
Develop credit awareness programs with store/market management
Audit signage, point of sale material for compliance purposes and communicate issues accordingly
Support Client Program Manager and client team initiatives
Compile and present results of on-going credit programs; manage travel and marketing budgets
Attend/support store opening and relocation events
Develop and maintain key external client relationships at store, market, and regional levels
Maximize/leverage credit support and commitment at store level
Develop annual marketing plan for stores to support business goals
***Role located from a home office in Jackson, MS area and requires significant travel...territory to include LA. Company car included.*****
Bachelor’s degree , or 5+ years’ experience working in the Financial Services Field
Minimum of 3 years of field or outside sales experience
Minimum of 2 years’ Experience developing presentations and pitching to all levels of management
Proficiency with MS Word, Excel, and PowerPoint
Willing to travel up to 75% of the time
Excellent negotiation and client relationship skills
Openness to coaching and ability to learn quickly
Exceptional interpersonal communication skills (written, oral, nonverbal)
Strong finance business/industry acumen

Credit Manager Resume Examples & Samples

Provide leadership to a growing team of 3 professionals including both exempt and non-exempt staff
Review, maintain and upgrade internal controls procedures in conjunction with internal and external auditors
Review credit and collection reports to evaluate effectiveness of current policies and procedures
Analyze financial statements of large, high-risk customers and report findings and recommendations to senior management
Hire, train, develop and provide leadership to team members
Assist Accounting department in analysis of month end reserves related to cash discounts, returns, charge-backs, rebates, coupons etc
Strong communication skills, written and verbal

Credit Manager Resume Examples & Samples

Have strong leadership capabilities with a proven track record of leading Team Managers
Possess strong B2B credit experience of a large diverse ledger of both Industry & Commercial customers
Manage a cash/debt process
Possess an innovative and practical approach to problem solving
Demonstrate strong interpersonal and relationship management skills at various levels

Market Credit Manager Resume Examples & Samples

Must be PC literate
Excellent organizational and leadership skills
Ability to interact with all levels of management, internal and external to CAF
Ability to handle multiple projects concurrently
Self motivated, creative, innovative and unselfish

National Credit Manager Resume Examples & Samples

Maintain and possess the highest level of underwriting authority, Underwriter 6 credit authority
Review loans that are outside of GOLF’s Credit Underwriting Guidelines for possible approval or funding
Be available to Sales, Funding and Audit for second opinions
Member of the Audit Review Group
Review quality trends with the Regional Management Teams on a quarterly basis
Report trends and Regional feedback to the Chief Credit Officer
Make underwriting decisions based on credit guidelines, Fair Lending, compliance and risk
Work closely with the Sales, Funding and Audit teams
Coordinate with the other departments to problem solve, escalate issues, and assist as needed
Work with internal and external auditors to ensure compliance with guidelines policy and procedures
Contribute to enhancing and updating credit risk guidelines, policies and procedures
Subject and Business matter expert, including but not limited to, the business market and our sales program; utilize this knowledge to make business decisions that are in the best interest of the company
Practice and reinforce our company mission and values
Share best practices across sales and origination organizations
Be aware of volume and yield targets, identify cost efficiencies, where possible
Focus on credit risk and loan quality
Identify opportunities/methods to create and/or enhance a team environment in the office
Qualified candidates must have 10 or more years of credit experience, or equivalent combination of education and experience, in indirect auto lending
College Degree preferred
Ability to calculate figures and amounts such as, debt ratios, payment to income ratios, and loan to value percentages
Must be proficient in Microsoft Word, Excel, and PowerPoint. Ability to organize multiple projects, exercise good judgment, maintain a high level of confidentiality, exhibit a professional demeanor and possess a mature, executive presence
Travel required, as needed, for employee coaching, mentoring and training
Availability to work some weekends and evenings, as deemed necessary to meet business needs
Remote candidates will be considered

Credit Manager Resume Examples & Samples

This role should perform regular credit analysis of existing customers and make credit recommendation on request for increased exposure
As the credit manager, you should prepare and present credit applications to appropriate lending authorities for approval as well as to clearly indentify both obligor risks & transaction risks arising from lease structure, collateral and documentations
Also, you will conduct financial analysis & risk rating for applicant customers in accordance with company risk policies, additionally, assist in the maintenance of credit data, timely reporting and industry market research as well

Senior Regional Credit Manager Resume Examples & Samples

Against a backdrop of fierce and increasing competition, the bank seeks to grow its business through acquisition of quality new customers, retention of quality existing customers and improving average returns per customer
We will achieve this by aligning our distribution directly with our principal customer groups, and ensuring co-ordinated, multi-channel, delivery within a highly focused environment, which recognises the customer, and regulatory demand for increased specialism and continually increasing levels of professional competence: becoming the best place to bank for our customers, and the best place to work for our staff
In achieving these aims, and retaining a strong culture of operational integrity and cost control, we will deliver revenue streams that expand at a faster rate than costs, and meet shareholder demands for positive jaws performance

Gwim Senior Credit Manager Resume Examples & Samples

Minimum of 5 years lending background in a traditional lending discipline, such as commercial, community, or private banking
Negotiation experience is a significant benefit as well as exposure to a consumer lending environment
College degree is required, with a preference for business administration, finance, accounting or economics majors
Credit skill, interpersonal skills, and ability to communicate clearly across all lines of business while handling multiple priorities are mandatory
Highly fluent in MS Excel and Word
Experience in commercial and/or residential real estate lending
Accounting background is beneficial as well as familiarity with PowerPoint, Access, Excel, and Visio
Prefer formal credit training at a major U.S. bank, but alternative financial analysis experience may suffice

Credit Manager Resume Examples & Samples

Oversee all functions within the AR Department which currently consists of 9 additional individuals (including 2 Supervisors)
Manage the day-to-day AR operations including billings, payment and credit application
Review weekly A/R aging and contact customers as necessary to ensure timely payments and resolve customer issues
Determine the appropriate revenue recognition treatment for customer contracts in compliance with the Company’s revenue recognition policy and US GAAP
Responsible for analyzing and recording A/R and AR related reserves (MDF, returns, and other chargebacks) and preparing the related account reconciliations
Partner with Sales Ops and other operation teams to ensure timely billing of receivables. Internal controls and recommend improvements to the revenue functions
Obtain security agreements (Letters of Credit, guarantees, mortgages) when necessary
Prepare various PBC schedules during annual audit
Perform adhoc analysis and other projects as required

Senior Credit Manager Resume Examples & Samples

Credit trained
Strong understanding of loan and legal documentation
Candidate should possess the ability to balance multiple priorities
Highly motivated self-starter, proactive, with intense focus on results. Conveys a sense of urgency to achieve business goals and exceed expectations
Clearly communicates information and ideas through a variety of channels in a manner that engages and impacts the audience
Knowledge of consumer regulations preferred
Knowledge of Microsoft Office (Excel, PowerPoint, and Word) Knowledge of GUS, AFS, BOSS, CMO, GMS, GUS, Virtual Vault preferred

Portfolio Credit Manager Carecredit Resume Examples & Samples

Work closely with Risk leaders and client teams providing data and analytics in support of minimizing Synchrony Financial’s risk, while continuing to grow the dual card portfolio
Support driving enhanced strategies, using champion/challenger leanings to manage credit and fraud risk
Work effectively cross-functionally to resolve issues associated with Risk analytics
Use knowledge of consumers, clients and risk processes to identify and mitigate any operational risks for the portfolio
Prepare and present client facing and leadership team presentations
Coordinate planning cycle with client teams to ensure consistency in business plans
Bachelor’s Degree and 2+ years in consumer or commercial Risk/Credit role or relevant business experience or in lieu of a degree, 6+ years in consumer or commercial Risk/Credit role
1+ years SAS programming and Excel experience or equivalent analytical capability
Dual card or bank card experience
5+ years in consumer or commercial Risk role or relevant business experience
Experience operating as part of a cross functional team
Use of advanced technical & analytical competencies in driving effective strategic goals
Strong communication and presentation skills
Familiarity with consumer lending products and practices

Credit Manager Resume Examples & Samples

Implement the Credit policy established by the Controlling and Financial Director
Target the cash collection and risks management objectives in order to allocate corresponding means in accordance with the Credit policy
Supervise the credit management team and process in order to minimize risks and ensure the hedging of the company by the insurance programs
Perform financial analysis prior to the opening of a client account
Manage the block orders in case of unpaid bills, client default and bad debts
Collaborate with the Credit Insurance for the negotiation, proposal and renewal of credit limits
Enforce fixed payment deadlines and define the stimulus policy
Be responsible of the suppliers account transparency
Animate problems related to customer credit in connection with the Supply Chain Director, Financial Director, Sales Director, Customer Care Manager, and follow up on action plans

SBA Credit Manager Resume Examples & Samples

Responsible for SBA Lending coming through Business Loan Centers. Works closely with BLC Managers, Credit Delivery Managers and Credit Delivery Staff to promote SBA Lending
3-5 years experience working with SBA loan programs
5-7+ years financial services or business credit experience involving business knowledge and credit judgement
Bachelors degree or equivalent work experience

Credit Manager Resume Examples & Samples

Manage a team to hit daily/weekly/monthly/yearly goals
Train and develop staff
Ensure requirements of the Credit Department Policy and Procedures Manual are followed
Manage day to day workflow
Ensure department is in compliance
Meet or exceed the delinquency objectives
Bachelor’s Degree a plus, not required
5+ years of experience
Must have supervisory experience
Must have strong Accounting knowledge
Must be able to a good communicator

Credit Manager Germanic Markets Resume Examples & Samples

Communicate and enforce credit policy to sales and customers
Collection of past due amounts by means of sending dunning letters, maintain/implement direct debit and calls to customers
Accounts reconciliation from bankstatements
Review credit hold report and release orders as appropriate
Collection of returned checks
Review customer account applications, assign credit limits and terms. Give final approval on files reviewed by representatives
Review and monitor current accounts for adherence to credit terms and limits (credit information)
Customer service follow up
Communicate with the Controller and appropriate management personnel regarding problems, solutions and ideas that may improve the credit department and work cohesively towards achieving departmental and company goals
Report Top 20+ aged customers and arrangements that are made
All other duties and projects as assigned
Sales price upload in Oracle
Intermediar/contactperson for regional legal cases at collection agency and/or lawyer
Recommendation to management incase of possible new dealers
BS in Business Administration or Finance preferred
7+ years credit experience, preferably in wholesale/distribution environment dealing with a large account base
Understanding of collection patterns
Strong credit and financial analysis skills
Well versed in collection laws (from the region)
Seasonal business in her diversity is something you’ve faced before and are familiar with
Native German speaker and Excellent command of English
Passionate about sport; bicycles and cycling in particular

Floor Plan Credit Manager Resume Examples & Samples

Evaluate requests for Floor Plan, commercial real estate, and commercial loan financing for auto, heavy truck, boat, and RV dealers. Also evaluates loan requests for dealer principals and partners and recourse installment loan contracts for Floor Plan dealers when needed
Responsible for the integrity of the Auto Floor Plan credit portfolio
Monitor and manage all loans, including underperforming loans, and take appropriate action to protect the banks interests
Monitor financial performance of all clients and ensure adequate collateralization of lending portfolio
Underwrite commercial loans, supervises the collection of commercial loans
Analyze each applicants financial condition, cash flow, and credit history in order to make appropriate loan decisions within lending guidelines
Approve loans up to maximum lending authority
Present loan requests to senior credit officers and credit committees when appropriate
The position will primarily deal with complex credits of larger size and scope, including credits approved through Managers, Senior, and Executive Loan Committees
Understand product pricing and cost structure, as well as understand and manage product risk
Works closely with Relationship Managers and Group Managers to structure and price credits in order to maximize the banks return while minimizing risk
Work with Relationship Managers and Sales Managers to gather information and receive recommendations on potential customers
Should keep abreast of the industry, and maintain contacts in the professional services community (accountants, attorneys) and within industry organizations (NADA, etc)
Monitor Floor Plan audits to ensure dealer compliance
Monitor customer deposit accounts and approve or reject daily overdrafts
The incumbent may be responsible for supervising a staff of four to eight individuals
Exercise managerial authority to include staffing, hiring, termination, performance management, and salary recommendations
Candidate must assume leadership of credit processes and processing personnel
Bachelors degree, or in lieu of a degree a minimum of four (4) years work experience
Five years Auto Floor Plan and or Commercial lending required
Some supervisory experience required
Must possess excellent credit analysis and commercial lending skills, and working knowledge of financial statements, tax returns, and credit reports
Must possess industry specific knowledge and extensive market intelligence in assigned and potential markets
Knowledge of current banking regulations pertaining to credit and collection
The ability to interact professionally with all levels of personnel
Thorough knowledge of bank and PC software programs utilized by the department
Strong knowledge of auto industry financial reporting conventions, dealer financial statements, and floor plan audits

Credit Manager Resume Examples & Samples

Works closely with the sales force in an effort to forge a solid working relationship between credit and sales teams. Focus on importance of building relationships, strong communication and cross functional support to achieve a common goal
Manage credit personnel to include training in all areas of credit analysis, decision making, credit reporting systems, customer service and issue resolution
Ensure prompt processing of new account applications as well as driving & ensuring a proactive existing customer review process to support continuous growth targets for our business
Review, develop and prepare reporting to monitor activity, risk and issues that require process improvement and to report to management on action steps in progress to resolve issues
Work with alternative methods of risk protection by use of Letters of Credit, UCC filings and/or bank guarantees as necessary
Work with AR Managers on all necessary escalated issues affecting credit risk that arise with their teams’ portfolio of accounts
Recommend and participate in system testing, development, policy clarification, and process and procedure enhancements, maximizing utilization of SAP functionality related to credit management as needed to support continuous growth needs of the business
Must be a quantitative thinker who is able to take into consideration a large number of variables in order to make evaluations
Essential to be able to work as part of a team and interact with all levels of management and client contacts, requiring strong communication and interpersonal skills
Must exhibit a professional telephone manner and possess exceptional communication skills both written and verbal
Ability to read, interpret, analyze and report findings on general financial statements, business periodicals, professional journals, technical procedures, or governmental regulations
Direct oversight of team of Credit Analysts supporting U.S. business
General knowledge of corporate financial accounting systems and ability to identify the impact of our credit management to the overall health of the business
Must possess the ability to multi-task in a fast paced environment while providing a high level of service, providing high quality work and hitting all deadlines
Proven experience and knowledge of the Fair Debt Collections Practice Act, the Fair Credit Reporting Act and Fair Credit Billing Act, as well as, Federal Bankruptcy Laws
PC experience: MS Office (Word, Excel, Outlook, etc)
SAP, BW experience strongly preferred
4 year college degree with preferable concentration in an Accounting/Finance related field
5+ years working experience in a Credit Management/Supervisory role

Senior Field Credit Manager Resume Examples & Samples

Directs and mentors junior Field Credit staff and credit analysts
Supports the loan origination and renewal process by assisting Relationship Managers with screening loans and developing appropriate structural elements
Makes recommendations for loan amendments, covenant waivers, and key credit decisions to the final approval authority
Ensures risk ratings conform to Credit Policy, are timely, and consistently applied across the portfolio
Plans, organizes, and chairs quarterly portfolio review meetings with Group Presidents, Division Managers, and Senior Credit Management
In conjunction with the Healthcare Group President, periodically reviews and updates as necessary the Senior Living White Paper
Participates in other special projects that further the objectives of the Healthcare team and/or individual professional development
Working knowledge of Senior Living asset classes (e.g. Skilled Nursing, Assisted Living, Memory Care, etc.) and the unique elements of each class is required
Understanding Senior Living financial statement elements including payor mix, census tracking, and expense allocation is required
Experience within the Senior Living and other Healthcare related fields is preferred
Must be able to understand government payment reimbursement methods including Medicaid, Medicare, and Managed Care programs
Familiarity of HUD mortgage take out program is preferred
20151021

National Credit Manager Resume Examples & Samples

Manage all activities of Accounts Receivable (A/R), including directing staff activities and ensuring all cash and non-cash items are processed on a daily basis
Oversee the wholesale process and the individual credit analysis of all new agreement packages
Prepare month end reports documenting dealer inventory aging, over-line dealers, floor plan insurance usage, and TCR activity metrics
Prepare and present division finance training materials
Facilitate monthly dealer meetings
Develop financial reporting metrics
Provide input into setting department budget and manage resources within budget constraints
Prepare Financial Services Department Policies and Procedures
Manage all employees in department including, but not limited to, hiring, managing performance, coaching, training and distributing and reviewing work
Ensure compliance with Sox requirements; update Revenue Cycle for Financial Services
Bachelor’s degree in Business or related field
Minimum of nine years related experience
Working knowledge of wholesale finance including experience evaluating dealer credit, dealer audits, and dealer SOT situation
Ability to interface with I/T to build intranet and/or internet dealer processes
Proficient using SAP, Excel, Word, PowerPoint and Access

Credit Manager CBS Resume Examples & Samples

Minimum of 10 years of experience in structuring credits/loans
3 years in a management capacity
Bachelor’s degree in Finance, Accounting, Business preferred
Strong knowledge of credit, accounting, credit policy and financial statement analysis
Excellent organizational and analytical skills
Excellent ability to analyze credits, as well as a detailed knowledge of lending structure and cash flow analysis

Credit Manager Resume Examples & Samples

Credit approval authority based on experience and performance
Review and analyze various transactions. Includes review and analysis of applications, financial statements, balance sheets, D&B reports, etc
Prepare credit write-ups and Moody’s spreads when appropriate in accordance with credit policy and procedure
Complete ratio and trend analysis to determine if a customer is eligible for financing
Understand and follow credit policy and procedure and work with other departments, including Documentation and Sales, to improve understanding and compliance
Work with Documentation department on non-standard documents and/or exceptions to policy
Work with Sales to monitor delinquency, delinquency trends and repossession activity
Perform Annual Reviews on programs and individual transactions as assigned
Build good relationships with marketing/sales representatives and interact effectively with a variety of departments
Bachelor’s degree in Finance, Accounting, Business or related field or equivalent work experience
1-3 years credit underwriting experience and prior credit approval authority
Detail oriented with the ability to analyze cash flow, leverage and gauge customer strength
Solid written/verbal communication and presentation skills
Ability to make sound business judgments while protecting the interests of TCF Equipment Finance
Good PC & technical skills
Previous leasing experience preferred

Credit Manager Resume Examples & Samples

Understand the business model and the key focus points for success
Manage the Credit Control and Billing teams
Ensure both the credit control and billing functions are operated in an efficient and streamlined manner
Prepare and review control metrics monthly and present to the senior management
Devise improvement strategies for the key metrics and work with Senior Management Team to deliver on same
Chase other departments as necessary to stimulate action to enable process on open issues
Problem solve and make decisions
Other ad hoc support work for the Finance Director

Credit Manager Resume Examples & Samples

10+ years’ experience in credit risk management, with significant experience exercising credit authority
Extensive knowledge of credit products and financial instruments such as OTC derivatives
Experience with regulators such as the Federal Reserve, FINRA, OCC, etc
Strong verbal and written communication skill
Experience in US Broker / Dealer credit risk
MBA or other finance related graduate degree

Credit Manager Resume Examples & Samples

Lead the credit and collections department, managing staff
Administer credit and collection policies for the organization
Manage accounts receivable, determine customer credit limits
A minimum of 5 years credit/collections experience within a manufacturing environment

Credit Manager Resume Examples & Samples

Manage the credit department
Responsible for managing the debtors ledger
Prepare weekly / monthly and quarterly reports for Senior Management and Sysco
Maintain customer accounts to the highest standard and be responsible for all payments received
Establish and maintain strong working relationships with our customers to ensure accounts trade within agreed credit terms
Make sound and prompt commercial decisions on credit requests
Agree and maintain proper credit limits on customer accounts
Effectively handle customer queries / complaints
Ensure customer computer records are up to date
Represent the company on appropriate industry bodies
Ensure a good flow of communication with all departments to ensure a smooth operation
Ensure the credit department is operating in accordance with Sarbanes Oxley / auditing
An experienced Credit Manager with 5+ years experience in a large organisation with an extensive customer base
Experience within the foodservice industry is an advantageous
Experience of managing a large team
Relevant qualification IICM or equivalent
Strong negotiation skills essential
Good understanding and experience of the Irish legal framework for credit management
Excellent I.T. skills
Excellent planning organizational and leadership skills
Full class B driver's licence and flexibility to travel

Consumer Credit Manager Resume Examples & Samples

Act as a subject matter expert and resource in support of P&C Consumer Lending Strategic initiatives
Minimum of 5 years demonstrated consumer lending related experience desired
Expert knowledge of consumer credit bank products and lending services
Working knowledge of Banking Group businesses
Undergraduate University Degree in Business, Mathematics, or Economics
Good project management skills

Credit Services, Credit Manager Resume Examples & Samples

Will be responsible for a team of underwriters who oversee the entire credit underwriting process for CitiFinancial Canada’s Branch Network
Will be responsible of people management activities for the team such as recruitment, performance management, disciplinary actions and termination
Will be responsible to maintain service level throughout the various time zones from coast to coast
Will be responsible for consistently education the field management team regarding credit decisions making, policies and procedures
Will be responsible of identifying potential risk and negative trend and escalating them to the department manager
Will be responsible to make recommendations to the department manager regarding our policies and procedures when issues and concerns are identified
The manager will be in charge of a team of analyst whose decisions will influence the quality of the loan portfolio; decisions will have an impact on branch network growth and losses. HOC approves approximately 25% of Canadian loans
The manager will be in charge of a team of analyst whose decisions will influence the worthiness of loss mitigation tools; decisions will have an impact on losses and income. HOC approves all hardship AOTs
The manager will be in charge of a team who can do exceptions on CitiFinancial policy, they are responsible to know OLM policies and to do exceptions that are within certain parameters, certain policies cannot be overridden by HOC, the team decisions will have an impact on compliance
While this position will mainly be supporting the branch network, the incumbent will also be acting as managerial support for merchant credit decisions
Review loan submissions for credit judgment and credit worthiness
Review of delinquent accounts for loss mitigation alternatives and approval for branch network
Review loan submissions and delinquent accounts for exceptions to policy, responsible to make proper exceptions to existing OLM policies
Review of delinquent accounts for loss mitigation alternatives and approval for the NCC
Review exceptions on appraisals
Review postponements and partial release request
Handle resubmissions and appeals from DMs on amended loan and servicing request
Respond to phone inquiries regarding loan submissions, decisions made and policy questions
Management capabilities
Bilingual (French & English)
The ability to perform in a high volume work environment
Very good credit judgment
Very good understanding of OLM policies and understanding of what exceptions to such policies can be made
Flexible schedule

Credit Manager Resume Examples & Samples

Analyze credit risk
Lead Credit and Collections division, managing staff
Manage Accounts Receivable and determine customer credit limits
Must have BS/BA in Accounting or related experience
5 years of experience as a supervisor
SOX knowledge a strong plus

Credit Manager Resume Examples & Samples

Credit Analysis and underwriting MS Wealth Management Clients
Counterparty credit risk assessment/underwrite (P&L, B/S, Cash Flow) and ability to assess and determine appropriate advance rates, concentration tests, covenants, EODs
Product types include Private Aircraft emphasis and some or all of the following: Liquid Securities, Capital Call Subscription Facilities, Fine Art
Private Aircraft experience to include recourse/non recourse transactions; new and used executive type models; familiarity with all required loan and security agreement documentation as well related aircraft certification documentation i.e. registration, warranty, insurance etc
7-10 years credit risk management/lending experience with leading commercial/investment bank
Ability to effectively communicate risk assessment verbally and in writing for the benefit of direct manager and up the line to MSPBNA CCO and Business Unit as well as FA and/or client, where required
Ability to work alone with minimal supervision to meet required deadlines
Ability to work with required documentation i.e. loan agreement, security documents, pledge agreements
Ability to risk mitigate credit transactions by properly balancing amount, duration, repayment, structure, covenants and guarantors

Market Credit Manager Resume Examples & Samples

5 years of Auto Finance industry experience required
Strong people management skills required
Prior management experience strongly desired
Results-oriented with a high level of personal initiative and proven leadership ability
Dealer Relationship skills
PC literate with a good working knowledge of common application software (Word, Excel, Outlook, etc.)
College degree in related field of study preferred

Credit Manager WA, Wholesale Resume Examples & Samples

Overall risk oversight, ensuring credit policy is maintained and applied
Tertiary qualifications
Clear communication skills, ability to explain credit decisions

Credit Manager VIC, Wholesale Resume Examples & Samples

Managing a portfolio of wholesale dealers
Lead and develop a team of wholesale analysts
Assessing new wholesale finance opportunities
Completing annual reviews and interim requests
Elements of account management with face to face client interaction
Liaising with internal stakeholders
Experience in automotive wholesale industry
Thorough understanding of commercial lending practices
Extensive financial analysis experience
High attention to detail and sound time management skills
Ability to lead and develop a team
Understanding of compliance related issues

Credit Manager Resume Examples & Samples

Management of credit controls
Collection of accounts and reduction of passed dues
Monthly reporting of KPIs Key Performance Indicators
Create and maintain credit risk policies
Supervise direct reports to achieve total functional objectives
Develop credit group and train staff
Implement process improvements
Ad hoc responsibilities
Bachelor's Degree in Finance, Accounting or Business Administration preferred
A minimum of five years' experience in a similar role
Credit background needed along with collections
Supervisory experience required
Manufacturing or Distribution from mid-large sized company
Willing to work collaboratively and independently

Senior Credit Manager Resume Examples & Samples

Graduate degree in Finance, CPA, CFA, or MBA, or at least 18 years of relevant work experience in loan portfolio management, lending, or risk management
In-depth knowledge of Basel risk rating methodology and AIRB Basel II requirements
Proven highly developed coaching skills
Excellent judgment, logic and reasoning

Credit Manager Resume Examples & Samples

Manage relevant debtor books with an understanding of all debt on the book
Team management & development
Drive reduction in aged debt
Manage production and accurate validation
Improvement of existing processes
Multiple Float management
Reconciliation of Floats held
Manage the invoicing and statement process for assigned areas of sales ledger
Manage the collection of payments using a variety of methods including direct debits, bank transfer, cheques and cards
Journaling/allocating payments and reconciling accurately related debtor accounts
Target led credit control collection
Resolving queries from management and from within the team
Make recommendations for process improvements on a continual basis
Create and produce management reports from financial systems
Quality control management and feedback
Experienced in Credit control and sales ledger, preferably in a financial services or high volume environment
Strong Excel and (SAP preferred) systems skills
Strong accountancy knowledge
Experienced in the reconciliation of high volume accounts
Understanding and have practical experience of financial, operational and business processes
Focused to meet customer expectations and challenged to exceed customers' expectations

Regional Credit Manager Resume Examples & Samples

Execute Credit strategy within area of responsibility
Provide the Credit Head with management information relevant to the relevant to the credit portfolio input on the ARBB Credit Strategy and value-add change initiatives with respect to training, portfolio management, people management, policies, procedures, processes and product
Liaison with other BU’s to ensure optimal client solutioning at an agreed risk profile
Act as the main management interface regarding operational issues for ARBB Credit in the area of responsibility
Contribute to the development of Credit and the achievement of business objectives
Manage the required target values, beliefs and behaviours required to meet the objectives of BB credit
Review and credit enhancement to the business model for the monitoring and control processes with a view to streamlining or automating processes/procedures
Working with the Manager Relationship Executives, Manager Credit Validation and the Manager Operational Bankers to minimise reputational risk to the Bank by enabling the Relationship Executive and Customer Support and Risk Teams to meet their ongoing compliance and operational responsibility e.g. Financial Crime. Document policy statements as requested by the CCO and Heads of Credit in terms of the approved methodology
Conduct credit assessments and approve requests for clients within an assigned discretionary functional mandate
Assists the team with the structuring and solutioning of complex credit applications (where appropriate)
Ensure referral of higher risk accounts to Business Support and/or CPF monitoring and control (in accordance with Business Support and/or CPF monitoring and control guidelines), in a timely manner
Recommend and sponsor credit applications to the relevant sanctioning body
Ensure adherence to SLA’s
Ensure appropriate analysis and clarity in respect of required/requested facilities, conditions of sanction monitoring and control etc. Thereby maintaining the quality of the credit risk profile of the portfolio
Responsible for team’s Data Quality integrity and for the coordination of any related remediation exercise
Ensure referral of higher risk accounts to Business Support and/or CPF monitoring and control (in accordance with Business Support and/or CPF monitoring and Control guidelines), in a timely manner
Develop a high performing team by embedding formal performance development and informal coaching. Encourage frequent knowledge sharing between team members
Determine and analyse development needs for the team and ensure that identified training requirements are budgeted for and executed
Establish and maintain a succession plan for the team
Interview and recruit new members of the team, including determining appropriate compensation levels with input from Human Resources
Create effective workforce and recruitment demand plans to ensure that current and future business requirements can be met. Plans should be revised at least twice a year
Review and update the department’s organisation structure and role description on at least an annual basis to ensure that they are fit for purpose and contain all the accountabilities of each team member
Motivate to and obtain approval from the Head of Credit for any additional headcount for the team
Monitor overtime and ensure that it is kept to a minimum. Report excessive overtime to the Head and create plans to address the issues
When required, initiate disciplinary processes for team members calling on support from Human Resources when required
Address poor performance of any team member through the formal Performance Accelerator programme and ensure that continued poor performance is appropriately dealt with
Motivate team members and ensure that their efforts are recognised
Participate in the creation and implementation of Employee Opinion Survey (EOS) actions for the credit analyst team

Structured Credit Manager Resume Examples & Samples

The successful structured Credit Manager will work closely with the CEO and COO to assist in transaction structuring and execution of a pipeline of large mandates that will allow the company's treasury to fund pools of trade receivables
Formulate and implement an optimal securitisation structure for trade receivables funding, working with lawyers, accountants and clients
Execute ongoing purchases of trade receivables in line with eligibility criteria and credit analysis
Constantly liaising with the firms technology and processing team to forge deal structure in tandem with infrastructure
Accompany the CEO/COO with regards to originating, managing and executing trade receivable transactions
Devise ongoing monitoring systems and undertake transaction reporting
Create and deliver presentations, pitching to chief executives of large corporates, trade suppliers and partner banks

Credit Manager Resume Examples & Samples

Performing client due diligence on personal loan and take relevant credit assesment and ensure there is a good balance between profit and risk
Draft relevant credit policy for the personal/consumer loans business to ensure a proper credit framework is in place
Lead the implementation on the reporting, ad hoc projects, and system enhancements
Work very actively with the sales team to ensure the processes are well followed
Manage the loan portfolio and avoid bad debt by taking proactive remedial actions as soon as possible
Have at least 5-8 years of relevant experience in consumer loans
Have solid experience in building the platform is advantageous
Be a self starter and have excellent communication skills
Be proficient in English and Cantonese (MUST)

Senior Credit Manager Resume Examples & Samples

Work closely with Sales Management {sales team}, credit team and Director of Finance on analysis and variances
Lead monthly credit meeting with area leadership, present monthly credit metrics and trends, review key account trends or concerns, align with Area Management goals and objectives, and discuss strategies to drive continuous improvement
Ensure compliance with all regulatory requirements including internal Sarbanes Oxley controls and manage the Accounts Receivable so that the Area passes all Internal and External Audit requirements with no unsatisfactory comments or ratings
Manage Credit and Collections team and be fully responsible and accountable for revenues in excess of $1.5 Billion

SBA Credit Manager Resume Examples & Samples

Manage and supervise SBA Commercial Underwriting Team regarding all credit reviews, analysis & recommendations to credit committee
Coach, mentor and evaluate underwriters with regard to credit analysis, industry and product knowledge
Conduct comprehensive financial analysis of the credit worthiness of existing or prospective borrowers
Ensure funding in compliance with credit policy
Present findings to Credit Committee
Submits write up for Credit Committee's approval
Improve, define and create credit and underwriting policies as necessary
Participate in audits with respect to the company's credit and collections policies
Must have SBA regulatory training & experience regarding 7A and 504 SBA loans
Minimum of 5-7 years of managerial credit underwriting experience
Formal Bank Credit training preferred
Strong analytical, organizational and decision-making skills
Verbal and written communications skills are essential
Advance knowledge of Excel

Credit Manager Resume Examples & Samples

Ability to structure, negotiate and manage complex credit transactions
Strong business development focus, demonstrating innovative approaches
Experience in cash flow and borrowing base loan structures
Extensive experience in interacting with customers and prospects and leading discussions related to credit underwriting and ongoing credit maintenance
Strong leadership skills and the ability to coach and develop junior team members

Credit Manager Resume Examples & Samples

Manage Portfolio of Accounts
Maintain Customer relationships
Managed Credit Risk
Partner and Support Sales Teams

Credit Manager Resume Examples & Samples

Minimum 4 years’ credit experience preferably in the broadcast industry. Bachelor’s degree required with an emphasis in accounting/finance
Please visit: Fox13news.com, then click on the “ABOUT US” tab then “Work for Us” or visit our readily accessible station located at 3213 W. Kennedy Blvd., Tampa, FL 33609, and a member of our recruiting team will assist you. Please submit you resume, cover letter and salary requirements
EOE/M/F/Veteran/Disabled

Credit Manager Resume Examples & Samples

Review application, loan documents, evaluate credit risk, legal risk, credit rating and market risk
Prepare credit assessment report, rating, analysis data for senior management to review and approve
Lead and provide up-to-date training for credit administrative staff
Check, control, process, approve loans application
Monitor the drawdown, rollover and repayment loan etc
Bachelor's Degree in any quantitative field (Business, Maths, Economics, Finance, Statistics, Science or Engineering)
Previous credit/risk management experience
Over 5 years' experience in both leading teams and creating processes from scratch
Knowledge of unsecure lending
Strong analytical capabilities
Familiarity with credit & risk strategy as well as operations
Experience in building Credit risk models
Able to demonstrate a thorough understanding of risk management practices
Highly motivated, driven and self-starting individual
Confident communications skills - both verbal and written
Persistent and professional relationship management skills
Knowledge and understanding of the FCA regulation

Treasury & Credit Manager Resume Examples & Samples

10+ years of experience in a Credit Analysis / Treasury role
Bachelor's Degree in Accounting and/or Finance
Previous experience with Budgeting / Forecasting / Planning, Cash Flows / Management, Financial Analysis, Modeling, and Accounts Receivable
Microsoft Excel proficient (Pivot Tables and V-Look Ups)

Credit Manager Resume Examples & Samples

Use credit scoring model to determine if accounts can be given a credit limit and what the maximum limit will be
Maintain excellent credit records and electronic filing systems
Work with Account Executives across the country to ensure client credit or CIA
Monitor credit accounts
Maintain customer master file
Ensure requests for new customers are supported with fully completed credit application
Identify any variations or modification from standard terms of business and route for approval
Monitor any changes to existing customer records and that they are approved and supported with written documentation
Keep abreast of all developments in credit management technology
Ensure compliance with policies and procedures
Maintain electronic repository of all customer contracts and prepare contract summary sheets for all new contracts
Focus and skill at accuracy, attention to detail and consistency
Understand the need for controls
Initiative and self-direction
Effective problem solving and documentation skills
Ability to build good relationships with customers and suppliers
Provide proactive service to customers
Highly proficient in Excel and Microsoft office suite
Minimum of 10 years related Credit Management experience
Experience with Oracle and broadcast traffic systems a plus

Credit Manager Personal Loans Resume Examples & Samples

To review, process & underwrite retail Personal loan application within prescribed TAT
Coordination and working with various departments of the business and the bank
To review the personal Loan portfolio on a regular basis & support collections on specific loans
To do Account Fulfillment and service to bank customers
Education: Preferably a Chartered Accountant / MBA with 1-2 years of underwriting/policy experience
Experience: Candidate should have good financial knowledge
Certifications: Good vendor/team management skills
Skills: Should be able to handle multi tasking and good communicator

Senior Credit Manager Resume Examples & Samples

15 years in Food & Beverage lending
20 years experience in a credit environment
Bachelor's Degree

Credit Manager Resume Examples & Samples

Expert knowledge of retail credit policies and related operating procedures
Above average organizational and motivational skills to effectively utilize the Credit Advisors to obtain maximum volumes within strict time frames while adhering to Bank policies
Proven communication skills, oral and written, as well as sound negotiation skills to effectively handle inquiries, escalated calls or customer complaints
Ability to work in a high volume environment with strict service standards and diversity of programs

Credit Manager Resume Examples & Samples

Bachelor’s degree in business, accounting or finance
One to five years of related experience
Prior supervisory experience is required
Strong people skills, communication, team building and negotiation experience
Excel and Microsoft Dynamics AX experience is a plus

Credit Manager Resume Examples & Samples

To review and underwrite retail mortgage loan application and decisions on the applications to be taken within the prescribed TAT
To review the mortgage portfolio on a regular basis and support collections on specific loans
Preferably a Chartered Accountant/MBA with 2-3 years of mortgage underwriting experience
Candidate should have sound financial knowledge and understanding of Balance sheets profit and Loss accounts
Past experience in the location will be an added advantage

Credit Manager Opportunity Resume Examples & Samples

Processing credit applications
Monitoring and establishing credit limits with quarterly review
Reviewing, assessing, and collecting past due accounts to reduce aging
Applying generally accepted accounting principals to reconcile accounts
Managing A/R spreadsheets & aging reports while analyzing variances and discrepancies Handling month-, quarter- and year-end close by preparing A/R accruals and journal entries
Managing collection activities to optimize cash-flow and minimize risks
Developing and recommending changes to processes and procedures to further automate and increase productivity

Credit Manager Resume Examples & Samples

Manages a team of intermediate & specialist job level credit analysts by setting and monitoring performance goals and objectives, allocating resources and staff, and ensuring timely and effective delivery of credit decisions towards our internal stakeholders, customers and partners
Ensures that metrics for individuals are aligned with corporate objectives
Reviews and approves the financial analysis and credit lines recommended which exceed the credit authority of the credit analysts
Manages the relationship with various stakeholders from BU sales, BU finance, sales operations, customer operations for the various countries and HP businesses resolving especially issues related to credit reviews and order releases
Drive improvement for existing credit processes and procedures to ensure the highest level of efficiency for the team
Provides ongoing feedback and training to existing staff to develop them in a way to successfully apply for Country / Sub-Region Credit Manager role when available
Drives action to have an ongoing funnel of people who are skilled to join HP C&C department within various functions, with a focus to recruit staff with good credit background
Recruits top talent from such funnel of staff skilled to replace the existing Country / Sub-Region Credit managers within a time-frame of 1-3 years and/or to move into other Supervisor or Manager jobs within HP C&C and wider HP Inc. organization in Romania and potentially move to international positions
Typically > 6 years of experience within HP or a similar organization. Preferred in a finance or sales- / customer operations
Specific C&C experience will be an advantage
Typically 0-2 years of supervisory experience
Content expert in the field of credit or collection with a strong systematic knowledge of accounting principles and internal processes and standards
Ability to manage a team and to motivate and develop people
Advanced understanding of credit, finance, and risk mitigation tools
Excellent negotiation and relationship building skills
Demonstrated ability to plan and prioritize
Good conflict management skills

Transfer Credit Manager Resume Examples & Samples

Screen, verify, and review admission files submitted by Enrollment for completeness and accuracy, and make admissions decisions based on university policy
Evaluate data on admissions applications and transcript materials, maintaining all files and records systems
Prepare all correspondence to students regarding admissions and transfer of credit for review
Conduct analysis and prepare admission reports; summarizing information for staff on incoming students
Help to develop and implement admission policies and procedures as well as maintain regular updates for the academic catalog and student handbook
Be the lead in developing and maintaining appropriate systems for making transfer of credit decisions
Manage the daily functions of the Admissions team
Coach, mentor and help train admissions staff, or other related departments to ensure cohesive business knowledge and processing of admissions tasks
Manage the functions related to articulations, transfer agreements, and other partnerships involving credit consideration
Serves as liaison to college personnel for academic evaluation; to field representatives for opportunity discovery, to advising for transfer of course credit evaluations; and to other units (Marketing, Bursar, Registrar, etc.) to address and process or operations concerns
Partner with Enrollment, Financial Aid, Registrar, Academic Advising, and Academic Leadership on process efficiencies
Master's degree required
Must have at least 5 years of university advising or university admissions experience, specifically in admissions decisions, policy planning, and operations
At least 1-2 years of managerial experience
Experience with either transfer or international admission, or both, and the development of comprehensive international recruitment plans
In-depth knowledge of and passion for architecture, interior architecture or design is highly desired
Onyx CRM and Banner experience a plus
An ability to work well in an environment where diversity is celebrated both in the workplace and in student population
A high proficiency in multi-tasking as well as strategic thinking
Strong customer service/student service skills in a fast-paced, changing environment required
Excellent oral and written communication skills and analytical skills are essential
A collaborative and transparent approach to problem-solving

SVP Regional Credit Manager Resume Examples & Samples

Involved in underwriting commitments for new and existing lending opportunities, working simultaneously with numerous relationship managers, and the SCO when needed, to balance risk and return opportunities while maintaining credit quality
Demonstrates strong knowledge of all the Bank’s lending and cash management products including ACH risk
Demonstrates decisive action as the incumbent’s decisions will have a major impact on portfolio quality and profitability
Understands and applies the Bank’s strategic objectives and translates those into operational terms relevant to the portfolio supported. Experience and comfort working with less than perfect information, and making credit decisions within this situation
Communicates emerging credit problems within the portfolio and evaluates trends which may require action by the EVP CCO
Develops positive working relationships with Executive Department Heads, Group Presidents and Relationship Managers without compromising credit quality
Responsible for decision making process and recommends actions when the SCO or Executive Management must be consulted for relationship and credit trade-offs outside normal business parameters
Ability to recognize and decision opportunities which may not be 100% within the banks credit policy but are otherwise properly mitigated
Understanding of regulatory trends
Demonstrates leadership, and understands appropriate communications throughout the Bank
Knowledge of internal bank systems for portfolio monitoring and covenant compliance
Leadership ability with the Field Credit Team to coordinate portfolio information requests
Other duties may be assigned, including representation on any of the MB Financial Inc., credit committees
08

Credit Manager Resume Examples & Samples

Enforce existing credit management policies and procedures across EMEA to minimize Eaton’s potential receivable exposure
Drive receivable initiatives with EMEA Sales, Customer Service, Finance and Operational management to reduce past due receivables and improve cash collections
In alignment with the EMEA Transformation initiatives Drive a strong continuous improvement culture across the region through regular review of activities, processes, measurements and ensure leading best practice is adopted in line with the strategic goal of reductions in past due receivable and improved cash collections
Establish best practices for credit & collections processes within Budapest Credit Management Centre
Ensure appropriate process governance is adhered to and is in line with the continuous improvement process and Integrations project team annual project plans
Support the EMEA functional transformation organization on delivery of programs for EMEA credit and collections
Lead the internal customer relationship management on credit & collections to support the business partnering model
Manage and deliver the yearly profit plan requirements for EMEA credit and collections including cost and income forecasting and ensure delivery of profit plan targets
Performance management and assessment including objectives setting aligned to strategy; performance reviews; employee involvement, development, coaching, counseling & mentoring; lead, manage & review performance against targets; reward & recognition
Lead as the primary contact for EMEA business relations with ISSC Pune cash application function
Ensure adequate internal controls and compliance with Sarbanes-Oxley and audit requirements. Support local government accounting standards and regulations. Ensure compliance with Eaton policies
Minimum of 5-7 years proven leadership ability to lead a large credit and collection organization
Ability and experience to make major credit decisions. Install and maintain financial arrangements for key accounts and the ability to control the Corporation’s exposure and minimize financial loss as a result of credit-granting
Proven ability to drive finance transformations and continuous improvement culture across multiple business units
Significant experience with business operations and commercial marketing teams within a multinational (manufacturing) company
The position requires strong people management skills, business and commercial acumen, strength in change management, proven leadership skills and excellent communication skills
Extensive proven experience at building organizational capability and as a change agent
Customer Relationship Management, both internal and external, experience essential
Strong cross/multi-cultural background and experience; sensitive to cultural differences
Solid understanding and experience with US GAAP; exposure to Sarbanes Oxley & IFRS
Additional European languages would be preferable but not essential
Bachelors Degree or equivalent education

100

Credit Manager Resume Examples & Samples

Reconciliation of complex accounts and aging reports
Complete Lien Waivers
Manage the credit request process
Point of contact for clients in regard to billing issues

101

Credit Manager Resume Examples & Samples

Demonstrates knowledge of job-relevant issues, products, systems, and processes
Uses computers and computer systems (including hardware and software) to program, write software, set up functions, enter data, or process information
Keeps up-to-date technically and applying new knowledge to your job
Maintains positive working relations with customers and department managers

102

Assistant Credit Manager Resume Examples & Samples

Assist with processing all bills by verifying accuracy and completeness of invoices
Investigate all requests for billing as final authority over credit approval and individual guest inquiries
Review with Director of Finance or Assistant Director of Finance all accounts that are over 45 days and implement collection procedures and write off or adjust uncollectible amounts in accordance with established corporate guidelines
Work harmoniously and professionally with co-workers and supervisors
Establish and maintain local credit policies and procedures regarding billing, credit cards, collection, inquiries and check cashing and prepare month-end and year-end reports and reconciliations in accordance with established corporate guidelines

103

Credit Manager Resume Examples & Samples

Previous significant experience in a related position
Experience with POS and PMS systems (Opera and Micros knowledge and asset)
Post-Secondary School degree
Fluent English (written, spoken and reading)
Thorough working knowledge of all corporate policies and procedures as they relate to credit and receivables
Commitment to follow all local and corporate policies and procedures as they relate to credit and receivables
Establish and maintain local credit policies and procedures regarding billing, collection, credit cards, inquiries, check cashing, etc
Investigate fully all requests for billing and function as final authority over credit approval
Review with the Controller all accounts which are over 30 days and implement collection procedures for all such accounts in accordance with established corporate guidelines
Ensure prompt and accurate billing for all accounts and timely collection follow-up
Maintain credit histories, original approved written requests for credit and other records for regular hotel accounts
Write off or adjust uncollectible accounts after approval by the Controller or Assistant Controller according to established corporate guidelines
Review the Guest Ledger High Balance Report daily and bring discrepancies to the attention of the Front Office Manager and Controller if not resolved
Prepare and distribute the Function Credit list daily with Q-Names
Ensure that all inquired from guests or credit card companies are handled promptly and professionally
Ensure that check-in/check-out procedure adequately protect the hotel without burden or delay to the guests of the hotel
Prepare month-end reports and reconciliations as prescribed by policies and procedures for all receivable accounts including credit cards
Recommend improvements in the operation of Accounts Receivable/Credit to the Controller
Attend other departmental meetings as necessary to convey Credit/Receivable policies and procedures to the staff of those departments
Assist in the supervision of the day-to-day activities of the Accounts Receivable Clerks and evaluate performance of that individual as prescribed by hotel policy
Participate in the orientation program for staff in Sales and Catering, Front Desk, Reservations and other related positions
Conduct oneself in a professional manner at all times to reflect the high standards of Four Seasons Hotels and encourage staff to do the same
Respond properly in any hotel emergency or safety situation
Perform other tasks or projects as assigned by hotel management and staff

104

Credit Manager Resume Examples & Samples

Consistently offer professional, friendly and engaging service
Supervise the day-to-day activities of the Credit department and ensure all standards are followed
Ensure all procedures regarding billing, collection, credit cards, inquiries, cheque cashing are followed
Review all requests for credit and approve as appropriate according to the in-house credit policies
Monitor accounts receivables as required
Follow departmental policies and procedures
Previous experience in a credit department required
University/College degree in a related discipline an asset
Excellent communication and organizational skills
Highly responsible & reliable
Ability to focus attention on guest needs, remaining calm and courteous at all times

105

Credit Manager Resume Examples & Samples

Establishing and maintaining credit policies and procedures regarding billing, collection, credit cards, cheque cashing, related enquiries etc. in accordance with established corporate guidelines
Investigating all requests for billing and function as final credit approval authority; includes communicating decision to managers
Reviewing with Assistant Controller all delinquent accounts and implementing collection procedures; includes maintaining a current activity log, writing off or adjusting uncollectable accounts
Scrutinizing all accounts to ensure adherence to the credit policy; includes pursuing and collecting delinquent accounts, providing status reports of uncollectible accounts and referring delinquent accounts to a collection agency
Ensuring prompt, accurate and efficient system for billing of current and aged accounts
Maintaining a 30 and 60 day report identifying all groups and local catering events. Includes collaborating with managers to ensure that all associated accounting requirements are adhered to in accordance with established procedures/timelines
Front Office includes reviewing the Guest Ledger High Balance report daily and reporting discrepancies, ensuring check-in/check-out procedures protect the resort without negatively impacting guests
Reviewing Credit/Accounts Receivable operation and recommending/implementing improvements
Developing and maintaining a courteous and collaborative working relationship with all stakeholders
Recruiting, developing and leading assigned resources; includes, training, mentoring and performance management
Measuring department’s performance using appropriate metrics
Administration includes establishing and maintaining accurate related records, chairing and/or participating in various meetings (including credit meetings and preparing minutes) , preparing required reports in accordance with established deadlines, providing orientation for colleagues as required, responding to all enquiries promptly and professionally
Performing other related duties
Bachelor’s Degree in Accounting, Finance, Business Administration or equivalent certification
5 years’ relevant progressive experience in Credit and Collections, to include 2 years’ supervisory experience, preferably in a high volume resort or comparable environment
Strong audit experience is an asset
Proficient in reading/interpreting financial statements
Superior proven skills: communication (verbal and written), report writing, problem-solving, analytical, presentation and time management
Must be accountable, pro-active, methodical, meticulous, organized and prudent with a superior work ethic
Proven record of excellent customer service, team and interpersonal skills
Ability to interact tactfully and effectively, collaborating with all levels of the organization and other stakeholders
Must work flexible schedule as required
Proficient with MS Office suite required. Ability to learn new applications

106

Credit Manager Resume Examples & Samples

Conducts credit investigations so that an intelligent appraisal of the client’s worth, character and ability to pay may be ascertained to justify extension of credit
Prepare client invoices along with supporting documents within 2 days of check-out of the guests
Coordinates with Accounting on the cheques and cash collected
Plan and maintain a system for the regular follow-up and collection of receivables in accordance with the hotel’s policies and terms
Deal with clients in a firm but diplomatic manner to produce best results and maintain good relations with clients
Keep abreast with trends and developments in the industry and in the profession as well as with laws and regulations affecting credit policies and practices
Report all unfavorable information regarding the credit standing of a customer so that immediate action can be taken
Ensure that established credit policies and procedures are followed
Coordinate with other departments on credit and collection matters (Sales, Reservations, F&B)
Prepare monthly ageing report
Prepares detail of outstanding for the weekly / monthly credit meetings
Develop and maintain credit relationship with clients, banks, other hotels for the purpose of obtaining and exchanging credit and financial information
Reviews credit granted for banquet functions
Perform other duties as may be assigned by the senior from time to time
Implement and monitor an efficient system of sending reminders and other correspondences to facilitate debt collection and to provide appropriate filling of documents for traces and action
To monitor and control of in-house credit limits
To endorse Write-offs for managements approval and provide comprehensive account history and all collection efforts undertaken
Responsible for the bill collector and all activities related to bill collection
Oversees capital project budgets and reporting
Applicants should have at least 3years’ experience at the same role with 5* International Hotel companies
Fluent verbal and written communication skills in Arabic
Outgoing personality
Middle East Experience is a must
Currently in the same role
Pre-opening experience essential
Experience with Sun Accounting System is essential
Possess a gracious, friendly, and fun demeanor
Ability to multitask, work in a fast paced environment and have a high level attention to detail
Maintain positive and productive working relationships with other employees and departments
Ability to work independently and to partner with others to promote an environment of teamwork
Applicants should have at least 5 years’ experience in Finance Department within 5* International Hotel companies

107

Credit Manager Resume Examples & Samples

Manage the credit granting and collections of accounts receivable of the assigned business portfolio within established policies and procedures. Provide credit support concerning the customer base within these groups. Serve as the main contact point for inquiries from the groups concerning credit issues. Travel is expected of the candidate whenever necessary to ensure corporate expectations are met
May involve the supervision of one or more accounts receivable collector(s) to ensure that all delinquent accounts are collected on a timely basis
Handle all collection issues that are disputed or otherwise not collectible by the accounts receivable collector. Provide leadership and training necessary to meet the highest possible receivable measurement performance
Determine if circumstances warrant a customer credit analysis outside of the established timetable due to changing circumstances and ensure that the analysis is completed in a timely manner
Adhere to and ensure that all corporate policies and procedures to which credit is a party are maintained
Ensure that security and collateral are obtained, maintained, and properly filed with agencies, banks, or other institutions. All security instruments are reviewed for completeness and to ensure they meet all legal requirements to guarantee any payment due under the security instrument will be paid
Consult with the Director -Corporate Credit on all larger magnitude high-risk clients to ensure adequate control is maintained
Develop and maintain a strong knowledge of the business units supported and industries, as well as worldwide conditions that may affect our export credit and collections
Maintain state-of-the-art credit and collections knowledge and expertise
A minimum of a Bachelors degree is required, focus in Business with Finance or Accounting is preferred
A minimum of 4 years of credit and collections experience is required
Working proficiency with Microsoft Word and Excel is required

108

Credit Manager Resume Examples & Samples

Overseeing 3 people in credit/collections
Responsible for Credit and Collections decisions for domestic and international receivables
Establishing and reviewing credit limits for both new and existing customers
Reading and reviewing credit reports and news
Directing and assisting in collections efforts
Reviewing orders that are kicked out on credit check failure
Reviewing and directing collection efforts on chargebacks as well as coordinating with the Sales team on hard to collect chargebacks to major customers
Approving A/R adjustments
Reviewing and collecting freight claims and claim denials
Preparing quarterly bad debt reserve analysis
Preparing quarterly real estate reserve analysis
Billing tenants for its portion of real estate taxes
Reviewing tenant leases for rent increases
8+ years of experience
Management experience required
Knowledge of Hyperion, Oracle or SAP (Oracle is preferred as that is the system they will use extensively)

109

Credit Manager Resume Examples & Samples

Charge back resolution
Follow up and customer account reconciliation
A Bachelor’s degree in Accounting of Finance
Seven + years of experience in A/R collections and credit is a must
Identify issues, be a problem solver and present solutions to the Controller and CFO
Strong Excel and Word skills
Working knowledge of advanced accounting systems
Excellent written and verbal communication in an articulate manner

110

Credit Manager Mema Region Resume Examples & Samples

Uses financial statements to independently determine the financial condition of customers and decides credit limit recommendations (for highest monetary value customers
Manages accounts of customers with the highest monetary value and highest risk that require independent judgment
Interacts with customers of the highest monetary value and builds relationships with senior executives
Resolves highly complex issues independently,; acts as an escalation point for more junior individual contributors
Reviews credit recommendations of lower-level individual contributors for large customers
Presents credit recommendations to EXEC3 level management at HP and at cross-function meetings
Negotiates down payments with customers and HP sales staff to allow customer to purchase above their credit limit
Represents HP at high level negotiations for large strategic deals
Represents HP on a country or region level
Works on cross-functional initiatives and dialogues directly with EXEC3 level management at HP
Typically 6-10 of experience in a credit function recommended, usually at a bank
Excellent written and verbal communication, negotiation, and conflict resolution skills
Excellent accounting knowledge
Strong computer skills
Excellent prioritization skills
Excellent understanding of risk mitigation tools
Strong influence skills

111

Credit Manager Resume Examples & Samples

Establish and review credit limits for both new and existing customers
Read and review credit reports and news
Direct and assist in collections efforts
Review orders that are kicked out on credit check failure
Review and direct collection efforts on chargebacks as well as coordinated with Sales on hard to collect chargebacks to major customers
Approve A/R adjustments
Bachelor’s Degree in Business preferred
A minimum of five years experience in credit
Management is required

112

Assistant Credit Manager Resume Examples & Samples

Train new employees on operating procedures and credit guidelines. Train all staff in new procedures and guidelines as needed
Maintain sound knowledge of market activity and business/industry practices as they impact credit quality, pricing and origination activity
Review loan applications applying bank guidelines and consumer lending fundamentals in order to approve, restructure or deny applications
Partner with collections to resolve dealer collection issues
Coordinate with Operations and Funding to examine and evaluate proper documentation and to evaluate that all bank stipulations and requirements are sufficient to fund loans
Evaluate performance of lending staff based upon established reporting methodology
Interact with management team and Credit Risk department to ensure business line profitability
Actively participate in regularly scheduled staff meetings to communicate/share trends, policy and procedure, updates and other pertinent information with team members and managers
Bachelor’s Degree or commensurate experience
Minimum 3 years of Indirect Auto Underwriting experience
Ability to work the most complex scenarios
Ability to interpret information around collateral add-ons and equipment
Mitigate risk on loans exhibiting exception criteria
General understanding of required documents necessary to fund a loan
Thorough knowledge of State Law Contracts for TIL, and related disclosures
Ability to development relationships with dealer network on an ongoing basis
Ability to sell decisions that adversely affect a dealership’s ability to sell paper to Key

113

State Credit Manager Resume Examples & Samples

Although not a must, preference will be given to candidates with (a) a good understanding of leasing and (b) captive finance company experience
Willingness to work and adapt to a fast growing & changing environment
Ability to work independently, learn quickly and be proactive
Ability to perform and work well under pressure; good analytical & troubleshooting skills
Solid domain knowledge of credit underwriting
Strong analytical and interpretive skills
Strong interpersonal skills, customer focus and strong ability to communicate

114

Complex Credit Manager Resume Examples & Samples

Impact and Influencing
Negotiation Skills
Effective Communication Skills
Computer Skills

115

Regional Credit Manager Resume Examples & Samples

Degree holder or above, preferably MBA
Professional Qualification such as CFA or FRM
At least 7 years of experience in corporate and structured credit
Good experience in stressed or distressed assets, workout and recovery
Good experience in non performing loan or credit space
Strong rational problem solving and lateral thinking skills
Strong communication skills and presentation in English

116

Regional Credit Manager Resume Examples & Samples

End to end management of assigned customer A/R portfolio from account set up to cash collections/dispute management including
Education: 4 year degree required - MBA preferred
Experience: 5+ years of related experience in international and domestic credit & collections, customer service showing increasing responsibilities
Experience with many forms of trade finance including Letters of Credit, documentary collections and EXIM Bank funded transactions
Portfolio management experience with a company with significant dealer/distribution sales activities
Strong analytical, math and account reconciliation skills
Experience with Oracle (11i/R12), GetPaid, and Cognos preferred
Expert level ability in Microsoft Excel highly desired along with strong Microsoft Office and Google Docs skills
Effective written and spoken communication skills with various levels of management and external business contacts while conveying a positive, service-oriented attitude is a must
Adaptive to leadership styles that promote collaboration, teamwork

117

Credit Manager Resume Examples & Samples

Monitor credit limits of all outstanding accounts
Ensure the accuracy of all charges and credits to the various accounts
Act in accordance with fire, health and safety regulations and follow the correct procedures when required
Serve your role and Team in an environmentally-conscience manner
Previous experience in a high volume credit control function within a hotel environment
Ability to communicate firmly and clearly with internal and external customers

118

Assistant Credit Manager Resume Examples & Samples

Report unfavorable information which may affect a customer’s credit standing so as to allow timely action
Know and observe the credit policies of Fairmont Hotel Maintain a complete alphabetical credit file for each account containing all documentation related to the credit research
Photocopying all invoices, Filling all invoices, sending all invoices, call companies to confirm invoices delivery and handling administering credit application
Attends all Meetings as required
Provide a courteous and professional service at all times
Exercise responsible behavior at all times
Respond to requests to undertake any reasonable tasks and secondary duties
Ability to solve practical problems and deal with a variety of concrete variables
Well-developed computer skills particularly in the use of MS Office, E-Mail and Finance Management systems
Fluent English – written and spoken
Experience in the Hotels industry- Preferable in Accounting

119

Credit Manager Resume Examples & Samples

Oversee all of the day-to-day activities of the Credit Analyst Group, implementing and maintaining related policies, procedures and systems
Manage a team of Credit Analysts and facilitate efforts in collections performance, deductions management, cash forecasting, financial analysis and risk management
Responsible for meeting or exceeding credit and collections metrics (monthly cash collection goals, DSO, write-offs etc.) and developing credit business practices in line with corporate goals
Support company sales efforts by providing back up and recommendations on all credit related issues including sales policy compliance, deductions management, payment terms and credit limits
Maintain effective liaison with sales, operations and finance departments and make recommendations on process improvement to reduce unauthorized deductions and ensure timely resolution of deduction issues
Resolve customer and sales conflicts in a professional and efficient manner-regularly interact with executives and/or major customers
Work closely with the Senior Manager of A/R and Credit and Collections to develop a clear understanding of credit insurance communication and management, credit group participation and interaction with credit information providers
Provide financial analysis and risk management reports with regard to credit limit issues and potential high risk customers. Update credit insurance reports on periodic basis
Develop credit process for LATAM customers to maximum sales. Use of L/Cs or alternate credit means while minimizing credit risk
Responsible for hands on processing of all new accounts, to include securing credit applications, trade references, resale certificates, bank references and financial statements. Set up new accounts in PeopleSoft and work with department management in setting and managing changes to customer credit limits
Develop and monitor key performance indicators for the Credit Analyst Team
Responsible for timely presentations to the Senior Manager of A/R and Credit and Collections and the Senior Director of Finance highlighting performance issues, risks and opportunities for the team and the department. Elevate all areas of exposure to management and make recommendations on how to resolve
Participate with internal/external audits as needed
Will have some “hands on” customer /account responsibility
Bachelor’s degree in Accounting, Finance or a related field
10 years of Commercial Credit & Collections experience, including 5 years in a managerial role
In depth knowledge of mass merchants and retailers required. (Wal-Mart, Target, Best Buy etc.)
Excellent written and oral communications skills required
Ability to collaborate effectively with business groups and influence strategic decisions
Excellent negotiations skills and ability to interface effectively with major customers
Ability to manage within a team environment, work independently and resolve complex issues, and the ability to deliver fast paced, high pressure performance
Strong attention to details and strong follow through skills
Proficiency with Microsoft Office and strong Microsoft Excel skills required
Must be ERP/Systems savvy; PeopleSoft experience a plus

120

Credit Manager Resume Examples & Samples

Build and maintain internal and external partnerships to drive operational excellence across the team and TMUS. Assists in business evaluations to identify future opportunities for improvement and barriers to achieving strategic and financial objectives
Conducts dealer financial statement collection and analysis. Credit and financial analysis, extension of credit, changes to levels of credit, and strategy pertaining to sales support and loss mitigation
Performs validation of financial and operational data as well as underlying logic and formulas to help drive analytics. Communication and interpretation of complex analytics to partners and coaching as to business implications
Monthly reviews and action steering; share and analyze monthly reports, brief leadership at the VP and Director level, influence dealer growth decisions, and participate in reviews and calls
Perform a leading role on projects, working cross functionally to understand key business issues and incorporate them into business and financial models
Point of escalation for issues with, and problem resolution pertaining to Sales, Sales Operations, Legal, CSCA and implications on a portfolio of accounts
Minimum of 5 years work experience in Credit Management or similar Financial Management related role (ie:Treasury, Financial Planning or Budgeting, Risk Management or Financial Reporting). Relevant work experience in a high tech environment or business banking preferred
Possess strong analytical, decision making, problem solving and organizational skills with excellent verbal and written communication skills. Knowledge of commercial and consumer credit, business and credit law, due process and contract law, as well as bankruptcy law
Superior communication and presentation skills are required for this position due to the level of visibility within TMUS organizations and divisions. The Manager must be able to prioritize multiple tasks to meet tight deadlines. A willingness to quickly shift priorities in response to changing business demands as well as learning new, complex work processes is expected
Demonstrated ability to effectively influence and coach for the development of best practices and enhanced skill sets
Advanced skills in Excel and PowerPoint required. SAP and SQL Server experience preferred
Bachelors Degree. Finance, Accounting, or Bus Admin. MBA preferred

121

Credit Manager Resume Examples & Samples

Analytical Skills
Business Intelligence
Research

122

Lead Credit Manager Resume Examples & Samples

Execute and support Credit Risk team LOC recommendation by: coordinating, implementing, enforcing and managing the Branch CRT conditions process, which requires immediate escalation of recommendation of different payment strategies/options to different Sales management levels and Credit Regional Credit Manager
Perform credit risk analysis, when needed, to justify job override field requests, and credit pre-approvals
Enforce PCMs compliance with collections to approved credit limits
Serve as back up to the Regional Credit Manager during their absences
Train new and existing staff
Perform desk reviews, at least quarterly for each PCM
Provide daily feedback, coaching, mentoring
Assist RCM with the preparation and enforcement of “Performance Improvement” plans
Enforce compliance with the department work flow process
Maintain/update Credit Policies and Procedures and Credit training material, through feedback to Sr. Credit management or direct writing/development of material
Serves as a liaison with other departments and responds to inquiries
Develop and maintain branch relationships
Provide and enforce superior customer service to achieve business goals
Assist PCMs with escalations of disputes and collections to Sr. Sales and Credit management
Serve as back up for PCMs, by handling full portfolios, during their absences
Prepare and review various collection reports, including the Consolidated Aging report (daily Work list)
Monitor and enforce compliance with timely collections/resolution of 121+ days aged delinquency – including: accounts reconciliations, O/A’s, residual credits, etc
5+ years’ of credit and collections experience
Credit & collections related training. Negotiation skills
Demonstrated leadership ability or previous supervisory experience preferred
Successful collection history required
Intermediate knowledge and experience with Microsoft Word, Excel and Outlook
PeopleSoft knowledge preferred
Knowledge of 10 key and basic Math
Ability to handle multi tasks, excellent written and verbal communications skills
Knowledge of bankruptcy and legal procedures

123

Casino Credit Manager Resume Examples & Samples

Oversee casino credit program and team
Develop and manage property/department policies/procedures as it relates to the team performance and property credit program processes and administrative policies
Review casino credit applications with accompanying credit reference verifications in rendering decisions to approve or deny customer’s request for a casino line of credit
Review hotel credit applications with accompanying credit reference verifications in rendering decisions to approve or deny group’s request for a hotel direct billing arrangements
Manage Human Resources responsibilities to include: creating a work environment that promotes teamwork, performance feedback, recognition, mutual respect and employee satisfaction; quality hiring, training and succession planning processes that encompass the company’s diversity commitment
Schedule personnel for optimal usage in the processing of casino credit and hotel credit applications
Monitors and guides departmental personnel in the performance of their job assignment insuring their adherence to company and department policies and procedures as well as State regulations
Update property credit policies and procedures to align with Corporate Credits policies, procedures and best practices as needed
Train other designated casino credit authorizers regarding the company’s Casino Credit Guidelines
Review other credit authorizers credit decisions ensuring compliance with the Casino Credit Guidelines, report findings and make recommendations regarding increased training, and applicable discipline steps Director of Casino Finance
Prepares reports and analysis regarding for executive management
Other job related duties as requested
Credit Supervisor
Credit Clerks
Undergraduate degree, preferably in Finance, Business Administration or Hospitality or equivalent combination of work experience, training, and/or education
Minimum five (5) years’ experience in a credit authorization position
High school diploma or GED equivalent
Effectively communicate in English, both oral and written forms
Excellent oral and written communication skills, English preferred
Excellent customer relations skills
Excellent team building skills
Excellent phone skills
Proficient with facsimile, copier, scanner and personal computer equipment
Microsoft Office program applications (i.e., Excel and Word), advanced skills and data base system skills
Knowledge of gaming regulations and internal control standards
Knowledge of Know Your Customer initiatives
Thorough knowledge of fraud prevention and credit scams
Ability to delegate work to team members
Interpersonal skills to effectively communicate with all business contacts
Ability to effectively communicate in English, in both oral and written forms

124

Gwim Credit Manager Resume Examples & Samples

Strong financial analysis, accounting and credit skills
10 + years of commercial credit experience and a keen understanding of loan product/underwriting guidelines, complex structuring and documentation issues
Effective communication skills. Proficiency in Word, Excel and PowerPoint
Excellent interpersonal skills and the ability to build business partnerships with risk, services and client teams who may not be co-located

125

Credit Manager Resume Examples & Samples

Excellent ability to analyze credits, as well as a detailed knowledge of lending structures and cash flow analysis
Good verbal and written communication skills to present clear and precise recommendations based upon analysis for action on loans
Healthcare and/or asset based lending experience preferred
Responsible and accountable for appropriate quality controls related to the financial products we provide, the services we deliver, the processes we employ, and the incentives with which we reward our colleagues
Ensure that all City National products, financial solutions and services are provided ethically and with integrity in a manner that is consistent with the client-first culture and values embodied in City National's PRIDE statement
L1-NS1

126

Credit Manager Resume Examples & Samples

Investigating and approving credit for all guests including those requesting a credit facility and charge back accounts
Ensuring timely and correct billing to all customers
Reconciling and collecting accounts receivable including the coordination of debt collection
Month end reporting
Building and maintaining strong relationships at all levels of the organization
Assisting the Director of Finance in managing the accounts receivable team
Relevant degree in Finance, Commerce or Business
Minimum 2 years' experience within a similar environment as a Manager or Supervisor in accounts receivable
Excellent interpersonal skills and relationship management
Exceptional time management, administration skills and attention to detail
Highly motivated, solutions-oriented self-starter with adaptable teamwork style

127

State Credit Manager Telangana & Andhra Pradesh Resume Examples & Samples

Chartered Accountant / M.B.A. (Finance) / ICWA / CFA / equivalent post graduate degree from a reputed Business School / University / Institute
5-7 years’ of credit underwriting experience in an NBFC or retail bank is a must, of which minimum 3-4 years must be in the credit underwriting of Commercial Vehicles & Construction Equipment loans in India
Sound knowledge of local market, industry trends in CV and CE industries and customer base
Be a self-starter with a demonstrated track record
Must possess strong English communication skills – verbal and written. Knowledge of Hindi and at least one local language is required
Proficiency in MS Office – Word, Excel and PowerPoint is an essential pre-requisite for this job
Be presentable and be an ambassador of VFS and Volvo at all times
Ability to work in a process driven organisation

128

Credit Manager Resume Examples & Samples

Manage the day-to-day Credit and Collection function, which includes a team of highly multi-lingual trained credit collectors
Ensure that customer receipts are allocated into the Accounts Receivable module accurately on a daily basis
Work directly with the Sales, Accounting and Customer Services teams respectively to manage the order release process in an effort to maximize sales while managing credit risk
Manage the credit collection process for a group of customers
Ensure Fender involvement in regional associations, as required
Provide monthly information on suggested bad debt provision for accounting purposes
Provide information to EMEA management as required including a commentary at month end on EMEA aged debt information
Manage the preparation of monthly aging reports, cash forecasts, DSO statistics, and other KPI indicators which are shared with senior management
Ensure cover exists for Credit Controller roles during absence and holidays
Provide support and cover for other accounting areas during absence and holiday
Provide administrative and language support to other departments as required
Appraise, train, and develop personnel to improve departmental efficiency and effectiveness; perform talent assessments of staff and provide mentoring and career development
Identify approved process improvements and implement them once approved
Credit collection experience of at least 5 years
Native fluency level in French in addition to proficiency in English
Working in an organisation with European coverage
Working together with other departments
Staff management skills
Ability to remain calm under pressure
Proactive
Multi-tasking, flexible and adaptable
Additional language skills esp. German/Spanish/Italian/Scandinavian languages
Advanced Excel
SAP

129

Credit Manager Resume Examples & Samples

Broad based experience in structuring bilateral and syndicated credit agreements
Extensive negotiating experience
Ability to manage complex credit transactions
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 owner occupied commercial real estate loan 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
Proficient in various spreadsheet and word processing applications (Excel and Word are preferred), including the use of graphs and charts, and Moody’s financial analysis software
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
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

130

Assistant Credit Manager Resume Examples & Samples

Be part of a cohesive team with opportunities to build a successful career with global potential
Have access to a robust benefit plan
Have the opportunity to engage in diverse and challenging work
Derive a sense of pride in work well done
Be recognized for excellence
****Please note that due to the large number of responses we receive, only candidates being considered for the above position will be contacted for an interview.******

131

Credit Manager Resume Examples & Samples

Demonstrates knowledge of the Gross Revenue Report
Demonstrates knowledge and proficiency with consolidated deposit procedures
Demonstrates personal integrity
Manages group or interpersonal conflict effectively
Manages time well and possesses strong organizational skills
Presents ideas, expectations and information in a concise, well organized way
Uses problem solving methodology for decision making and follow up
Makes collections calls if necessary

132

Credit Manager Resume Examples & Samples

Undertake complex analysis of Annual reviews
Decision the Annual Review
Gain insight, recommend changes to process to improve efficiency
Extensive experience in Credit Risk in the Banking industry,
Strong skills in analysis of financial statements & deal structuring and keen ability to understand significant credit issues
University degree in economics, finance, business administration, mathematics, with above average academic performance
High level of integrity and sense of accountability
Excellent verbal and written communication, and negotiation skills

133

Credit Manager Resume Examples & Samples

Perform credit assessment and approval on all limit applications & ad hoc credit cases / requests
Conduct daily credit monitoring, reporting and regular credit review on our clients’ stock portfolio and margin financing position
Work closely with Sales & Supporting teams to resolve various credit issues
Keep track of the securities markets trend and major stock movements for intraday credit monitoring
Complete ad hoc tasks or credit related projects assigned
Ensure full compliance of credit policies & internal guidelines for our daily operation

134

Credit Manager Resume Examples & Samples

Minimum of 10 years of experience in structuring credits/loans
3 years in a management capacity
Bachelor's degree in Finance, Accounting, Business
Strong knowledge of credit, accounting, credit policy and financial statement analysis
Excellent organizational and analytical skills
Excellent ability to analyze credits, as well as a detailed knowledge of lending structure and cash flow analysis
Good verbal and written communication skills to present clear and precise recommendations based upon analysis for action on loans

135

Credit Manager Resume Examples & Samples

Manage and administer the credit and collections function of the hotel to include, but not limited to, extending credit to group customers, the maintenance and control of accounts receivable and collection
Assist Director in overall operation of the department
Extend credit to group and catering clientele according to established standards and criteria, including, but not limited to, background clearance and credit assessment
Establish and implement hotel credit and collection policies and procedures in compliance with federal, state, local and company regulations and standards
Resolve disputes on direct-bill and collection accounts
Draft collection letters and address collection for accounts of $25,000 or more
Review credit and collection related issues including, but not limited to, Accounts Receivable Aged Trial Balance, high bill accounts, returned checks and credit card charge-backs and bad account write-offs
Monitor and develop team member performance to include, but not limited to, providing supervision and professional development, scheduling, conducting counseling and evaluations and delivering recognition and reward
Recruit, interview and train team members

136

Credit Manager Resume Examples & Samples

Bachelors degree in Finance/Accounting or related field and/or 8+ years of related experience
Fluent in English and a 2nd language preferred (French or Spanish)
Financial analysis skills, ability to read and understand financial statements, proficient in credit assessment
Must have good working knowledge of accounting principles
Strong written/verbal communication skills and ability to interface effectively with all levels of management, internal and external, on a consistent basis
Able to present, organize, and convey complex problems or issues within and across other functions and with client groups
Ability to influence and persuade senior management
Team player and able to perform under pressure
Proficiency in Microsoft applications
Previous experience in commercial credit granting or commercial credit analysis for a multinational corporation is desirable
Excellent presentation and interpersonal skills
Extremely positive attitude

137

Credit Manager Resume Examples & Samples

Education: Bachelor’s degree in Finance, Commerce or hospitality/ tourism management
Professional Experience in Hospitality: Progressive experience in Credit and Collection operations in a 5 star luxury property, 2 years of which would have been spent as a Credit Manager. Certified Public Accountant (CPA) board passer is an advantage. Highly developed analytical and problem solving skills with high regard for detail and accuracy, administrative and interpersonal skills are a must
Leadership Experience: Demonstrated skills in leading a diverse team with varying degrees of experience and talents Able to teach and inspire team members to be their best everyday

138

Specialist Credit Manager Resume Examples & Samples

A full financial and business development background dealing with complex solutions
The ideal candidate will have broad experience of the Card issuing and Merchant Acquiring Financial Services industry
Strong communication skills and the ability to influence senior management, external regulatory authorities and staff
Strong financial analysis skills and the ability to interpret accounts, forecasts and business plans and other financial information to provide complex solutions as part of crafting solutions for Customers
In depth knowledge of security options, Bank standards and most appropriate solutions for Acquiring and Issuing

139

Assistant Credit Manager Resume Examples & Samples

Liaises closely with the Accounts Receivable Officer in reviewing and maintaining the Aged Trial Balance of Accounts Receivable/ Accounts Receivable Aging
Reviews city ledger daily for correct postings of charges and take corrective action where necessary
Monitor and pursue collection of overdue accounts

140

Private Banking Credit Manager Resume Examples & Samples

Manages all credit related functions of the Private Banking which include managing the loan portfolio, Private Banking lending products and the Private Banking past due and problem loans
Works closely with Private Banking Advisors to determine appropriate credit products and structure for all potential client requests
Analyzes all credit requests and prepare Credit Recommendations for Credit Quality review
Teams with Credit Quality on managing Private Banking Credit policy and updating when appropriate
Maintain strong understanding of all lending compliance in the Private Bank
Works directly the Compliance BUCO on all compliance monitoring
Compile and report monthly lending results to the Wealth Management EVP for the Private Bank
Works closely with partners in Home Lending, Community Bank, and Loan Support Services to facilitate the Private Banking lending process
Provides loan pricing guidance to Private Banking Advisors and Wealth Management EVP
Acts as Private Banking Representative on the bank’s CRA committee to provide insight on non-profit lending and the Private Banking interests
Stays informed on any changes to the marketplace that may affect the current loan portfolio and future credit offerings
Provide credit process and analysis training to new and current associates
Oversees Lending Assistant on the lending process which includes working with and assigning tasks to complete credit requests
Comply with all Federal, State, and local consumer protection laws governing loan origination including the SAFE Act, the Truth in Lending Act (TILA), their implementing regulations (Regulation G), and SAFE Act registration and renewal rules as defined by the bank
Demonstrates compliance with all bank regulations for assigned job function and applies to designated job responsibilities – knowledge may be gained through coursework and on-the-job training. Keeps up to date on regulation changes. Follows all Bank policies and procedures, compliance regulations, and completes all required annual required or job-specific training. May be asked to coach, mentor, or train others and teach coursework as subject matter expert. Actively learns, demonstrates, and fosters the Umpqua corporate culture in all actions and words. Takes personal initiative and is a positive example for others to emulate. Embraces our vision to become "The World's Greatest Bank."
3-5 years of relevant lending experience and/or prior experience as a Senior Credit Analyst or Commercial Credit Underwriter
Strong relationship management and business development abilities, analytical and problem solving skills, strong sales skills, and credit and credit quality skills
Knowledge of Private Banking products and services that result in successfully capitalizing on all opportunities to cross-sell the bank’s products
Strong credit analysis and commercial underwriting skills, including accounting, financial statement and cash flow analysis experience
Knowledge of Private Banking lending policies, procedures, practices and documentation
Ability to work effectively with individuals and groups across the company to manage customer relationships
Proficiency with personal computers and related software packages such as Word and Excel, and other business machines
Must be registered as a MLO as per the S.A.F.E. Act requirements
Ability to train and present to small and large audiences or has the interest in learning to train and present

141

Credit Manager Resume Examples & Samples

To report on aged analysis of accounts receivable of all outstanding accounts as well as problematic accounts including collection status and recommendations
To review all credit and collection related problems at the monthly credit control committee meeting
To work closely with credit card companies in regard to procedures, credit limit and cancellation bulletins
To work closely with all operating departments and sections of the Finance Department which have a bearing on credit management, offering advice and assistance on matters related to credit
To coordinate workflow between credit control and accounts receivable section to ensure that these sections complement each other
To inform Front Office Manager of any deviations from policy by Assistant Managers and Front Office Assistants
To resolve dispute billing or guests query
Body & Soul, the service attitudes model developed by Pullman
Welcomer, Quality & Attitude Manager, Event Manager - some of the new Pullman professions
A Pullman “school” of leadership, focusing on creativity

142

Senior Field Credit Manager Resume Examples & Samples

In cooperation with the Chief Credit Officer and other members of senior management (as appropriate) establish and maintain the strategic direction of Field Credit such that it supports and contributes to the overall bank strategic plan and direction
Determine the appropriate staffing requirements for the Field Credit Department in order to execute the department objectives within the allocated cost budget
Establish annual Individual Performance Objectives for Field Credit staff track performance against the same throughout the year and conduct year-end performance reviews
Work with management team to create and implement career development plans for junior staff
Decision requests for loan amendments covenant waivers key credit actions and Annual Credit Reviews within limits established by Credit Policy
At the discretion of the Chief Credit Officer serve as a delegated Regional Credit Officer and/or Loan Committee voting member as needed
Support the credit approval process by working with bankers on large dollar or highly complex loans developing appropriate structure elements and consulting with group heads prior to loan committee submission
Oversee the planning and scheduling of deadlines for such things as renewals relationship reviews Problem Credit Report meetings and other necessary credit activity
Ensure risk ratings conform to Credit Policy are timely and consistently applied across the portfolio
Draft amend and otherwise maintain Credit Policy White Papers related to the Commercial and Specialty Banking departments
Successfully execute other duties that may be assigned
Prior experience in negotiating or proposing on credit requests is necessary
Client-facing background in a direct lending or support function is desired
History of individual credit approval authority is a positive
Working knowledge of specialty lending products including but not necessarily limited to senior living assets wealth management payment processors and loan syndications
In depth knowledge of the income and expenses that generate an asset’s net operating income and the calculation of debt service coverage and debt yield ratios
Solid understanding of the credit risks associated with the following asset classes: Multi-Family Office Industrial Student-Housing and For-Sale Residential
Familiar with the fundamentals of Appraised Values including the Income Cost and Sales Approaches: This includes the use of Cap Rates Expense Ratios and Gross Rent Multipliers. Proficient in identifying the risks and the fundamentals of construction financing for the asset classes listed above
In depth knowledge of cash flow calculations including EBITDA based FAS95 Statement of Cash Flows and Excess Cash Flow Recapture models
Solid understanding of working capital conversion cycle including collateral monitoring appropriate advance rates dilution etc
Must be able to understand complex lending products including but not necessarily limited to leveraged transactions fixed asset financing and ESOP transactions

143

Credit Manager Resume Examples & Samples

Manage and coordinate the activities of staff including training, employee development, performance evaluation, hiring decisions, and the establishment of goals and performance objectives for assigned department
Provide continual evaluation of department processes, methods, and activities to assure the most effective use of resources and equipment
Manage budget and expenditures
Monitor customer credit lines, collections, and account balances to ensure compliance to established payment terms and to minimize credit exposure
Recommend expected write-off exposure for management to account for the Doubtful Account Reserve
Provide management with all credit reports and analysis whenever required
Supervise a staff of credit analysts who are responsible for reviewing new and existing customers to determine their initial credit worthiness and ongoing credit viability
Maintain/update all of the customer credit data within the specific ERP system
Interface with company personnel in order to maximize the effective collection of all due 3rd party receivables
Provide training to company employees on credit policy and procedures and to monitor compliance to said policy
Perform other work related tasks as assigned
Comply with all NOV Company and HSE policies and procedures
Bachelors in Business related field or equivalent relevant experience required
5+ years' experience in Credit and Collections at the management level
Experience in customer-facing operations required
Experience with billing, contracts, facilities, general business operations required
Knowledge and understanding of credit related laws
CPA or working towards CPA desired
Advanced skill set with Microsoft Excel
Proficient in all elements of reviewing and determining credit limits for customers
Oil and Gas experience beneficial
Experience with international business/customers
Knowledge and understanding of bankruptcy proceedings

144

Credit Manager Resume Examples & Samples

Aggressively seeks out and leads implementation of “best practices”
Analyze data and make recommendations
Manage Period Close Process to ensure Financials are stated accurately
Interact with internal and external customers in responding to inquires or requests
Reviews/approves account reconciliation
Ensure all department processes are always Sarbanes-Oxley compliant
Assist in decision and problem solving
Presentations to Senior Management
Reports, analyzes and explains weekly estimates, quarter results, interim reporting, quarterly projection, and other financial performance reports in a timely and accurate manner
Leads, coordinates and reports on special projects relating to credit and collections
Provides support to the Director, for the coordination and preparation of key performance reports for both operations and corporate management

145

Credit Manager Resume Examples & Samples

Responsible for the implementation and adherence to company credit/collection policies, practices and procedures across one or multiple geographic areas
Approves decisions regarding adjustments to customer accounts, and referral of overdue accounts for legal action
Coordinates area collection decisions with management teams and sales departments
Manages national customer collection accounts
Monitors credit activity including monthly review of large accounts, location compliance with credit policies and procedures, lien laws and sales tax laws
Assists subordinates with difficult collection cases
Implements new standardized process and procedures in field collection locations efficiently and consistently
Creates and presents reports to management on large account activity, summary aging analysis and bad debt reserve analysis
Monitors performance of their collections organization on a monthly and annual basis against key business and performance metrics; works with team, local management and credit management personnel to identify potential drivers behind variande and performance; and communicates performance and key issues/drivers to National Credit Manager, Credit Director and appropriate Finance, Operations and Sales stakeholders
Coordinates with Underwriting, Billing and Cash Applications team and management to ensure that credit processes are occurring seamlessly across the organization; providing the requested information in a timely manner and effectively able to balance their primary collections duties with the provision of customer and local knowledge to other interfacing credit teams and functions
Checks in regularly with sales and operations partners to understand the impacts of collection team performance on their customer relationships and satisfaction
Escalates key issues to National Credit Manager or Credit Director as needed
Supervises assigned employees including staff selection and training; planning, assigning and directing work; conducting performance reviews; rewarding and disciplining employees; addressing complaints and resolving problems. Supervisory duties may be assigned within the local office and/or remote to the location
Manages a team and/or department to ensure achievement of functional and budget/financial goals
Operates independently and professionally with remote management relationships to effectively handle customer, local management and corporate management requests, issues, escalations and resolutions
Understands and observes all safety procedures and practices and ensures that employees observe all safety procedures and practices in order to prevent injuries or damage; schedules periodic safety meetings and solicits recommended changes to improve safety procedures
Participates in special projects as deemed necessary by management
Implements internal controls to protect assets and company’s financial position

146

Senior Credit Manager, Institutional Banking Resume Examples & Samples

Ensure credit portfolio is managed within agreed risk appetite thresholds
Improvement of portfolio data integrity and portfolio data analysis
Effectively align between Business strategy and Risk appetite
Manage and engage external stakeholders through strong communication
Contribute to the simplification and standardisation of documents, policies, procedures across both the Risk function and Business
Enhance the effectiveness of Cambodia credit risk governance and compliance
Elevate the quality and frequency of engagement with Business partners to drive a more proactive first line of defence
Promote a performance excellence culture and embed a customer obsessed culture
Lead a culture where Risk is the guardian of the Bank's Balance Sheet, Strategy, and Reputation
Qualifications in a financial or business discipline with lending knowledge
Strong relationships and networks built
Concern for quality and standards
Continuous improvement focus
Curiosity and decisive decision making

147

Credit Manager Nemea / MEA Resume Examples & Samples

Credit Operations
Maintain the corporate credit policy
Create a credit scoring model
Manage customer credit files
Monitor the credit granting and updating process
Accept or reject the staff's credit recommendations
Personally investigate the largest customer credit applications
Personally visit the largest customers to establish relations
Monitor deductions being taken by customers
Manage the application of late fees
Manage the corporate financing program
Maintain a department organizational structure sufficient to meet all goals and objectives
Properly motivate the credit and collections staff
Manage relations with collection agencies, credit reporting agencies, sales department
Responsible to handle collection calls
Process customer refunds, process and review account adjustments, and resolve client discrepancies and short payments
Review new customer D&B report to determine credit worthiness and recommend credit limits
Research contractual obligations related to collection of funds
Responsible for monitoring and maintaining assigned accounts
Handle customer reconciliations and process credit memos
Work with the Billing Department to implement processes and policies that contribute to accurate invoicing
Prepare financial and collection reports

148

Credit Manager Resume Examples & Samples

Bachelors in Agribusiness, Business Administration, Economics, Accounting or Finance (additional years of relevant experience may offset educational requirements)
8 plus years of progressive experience in credit analysis and credit management to include
Agriculture or agricultural lending experience
Forius / National Association of Credit Managers

149

Credit Manager Resume Examples & Samples

Responsible for the collection and analysis of credit information and financial data in accordance with credit policy and applicable law to extend trade lines on credit
Ensure that payments are collected within the terms of sale, via direct customer contact and account monitoring for an assigned portfolio of customers
Achieve monthly cash collection goals
Initiate and moderate monthly accounts receivable meetings with Area Sales Managers to review agings and discuss resolutions for troubled accounts
Review area results with the Division Credit Manger and complete specific objectives as assigned
Meet with customers and sales associates in their territory
Provide customer service as required to enhance customer relations
Periodic reconciliation of customer accounts as needed
College degree or commensurate work experience required
Ability to work in a fast paced environment efficiently
Construction or related trade or supply experience beneficial
Working knowledge in the application of Mechanic's liens and bond regulations
Get Paid collection software experience, a plus
Analytical skills to identify trends and interpret financial data

150

Credit Manager Resume Examples & Samples

Conduct or supervise credit investigations on existing and potential customers to extend or raise credit limit
Review credit information obtained, evaluate the credit risk and approve or decline credit accounts
Monitor monthly balances of customers
Plan and maintain a program for the systematic follow-up and collection of receivables
Review and manage credit limits daily
Evaluate the need for joint check agreements for job accounts
Personally handle credit beyond subordinates authority, major accounts requiring individual attention, marginal accounts, problem accounts, special credit arrangements, and deviations from standards
Develop a productive team by hiring, training, and providing professional development
Provide communication and motivational techniques in supervising, coaching, and disciplining associates

151

Credit Manager Resume Examples & Samples

Willingness to create and utilize innovative solutions for daily tasks to help increase the department and branch overall productivity
Perform daily activities of the credit & collection department, collections of assigned accounts, invoice dispute resolution and review of accounts with sales staff
Analyze requests for credit and assign credit lines in accordance with established guidelines
Perform financial statement analysis, contact trade and references, analyze D&B, NACM and Experian reports
Recommend and offer alternatives for marginal/high risk companies
Maintain complete and accurate credit files and records of all accounts
Respond to customer inquiries in a timely manner
Establish and maintain positive relationship/communication with other departments and clients to enhance customer service and promote organic sales growth
Maintain and preserve bond and lien rights and recommend accounts to be referred to collection agencies and/or attorney’s in a timely manner
Meet or exceed monthly and annual goals related to Ferguson’s corporate credit policy
Assist in the training of credit associates
Business credit principles and ethics
Continuing education as needed and other responsibilities incident to position

152

Market Credit Manager Resume Examples & Samples

Perform activities and manage employees engaged in conducting credit investigations and extensions
Monitor and manage all credit & application approvals
Review payment agreements and payment terms with customers to ensure transactions are properly secured
Coordinate all collection activities and ensure prompt collections
Communicate with sales department regarding credit decisions and ensure timely review of new customers
Resolve credit issue with customers
Perform necessary research on accounts in order to resolve outstanding issues in a timely manner
Work with sales and billing to help ensure that customer is getting correct information to pay invoices
Bachelor’s Degree in Accounting, Finance or related field
Minimum of 5 years of experience in credit and Collections
Strong computer skills – Word, Excel, Outlook, etc…
Proficient in reading/interpreting financial statements for the purpose of underwriting credit
Ability to manage relationships both internally and externally

153

Market Credit Manager Resume Examples & Samples

Authorized settlement authority with District Managers & Legal Counsel
Knowledge of all legal aspects of the collection process
Attend meetings with key customers
Responsible for DSO reduction, collections in relation to sales, rock solid and any other function that directly affects the department goals and objectives
Grant credit within the market according to established company guidelines
Schedule and run aging reviews for regions
Work with District Managers to increase and secure all sales
Oversee hiring process of key positions in regional credit offices
Responsible for alternate security options & procedures
Complete special projects as needed
Bachelors degree in Business or equivalent experience
Must have great communication and management skills, must be able to handle multiple tasks and projects, work well under extreme pressure & stress, must have employee developmental skills and the ability to work with many different levels of management
Legal compliance and lien laws relating to collection of debts
Minimum 5 years experience in credit and collection process. 1-3 years experience in building materials and construction industry

154

Division Credit Manager Resume Examples & Samples

Bachelor's degree
Minimum 10+ years of experience in structuring credits/loans ideally in commercial, private banking and middle market business banking
Five years of management or supervisor experience in underwriting or credit management

155

CSB Market Credit Manager Resume Examples & Samples

Involvement early on in deal structure in partnership with Regional Director or Team Lead and Credit Risk Management
Jointly sponsors and advances transactions with the Regional Director or Team Lead during the approval process
Ensures adherence to Risk Policies, operational risk processes, policies, and practices and drives business successes
Assists in executing the region’s or division's business plan by ensuring the timely and consistent underwriting and closing of new and existing credit relationships within the business unit, consistent with the TD Bank Group Risk Appetite Principles and credit policies/underwriting guidelines
Ensures the team's applications provide a high quality of risk assessment, credit structure, due diligence, and credit presentation and adhere to AIRB methodology and address TD Bank’s profitability objectives
Directs the completion of annual reviews and renewals of existing credit relationships in a timely manner and in accordance with Credit Policy in order to minimize credit risk

156

Credit Manager Resume Examples & Samples

Implement credit procedures in alignment with the Group credit policy
Support the Regional Credit Manager in managing the relationship with GBUs at regional level
Interface with sales organization to communicate credit results and decisions through various means, including but not limited to timely publishing of monthly GBU credit reports and periodic meetings with the GBUs
Plan and organize activities for credit / customer set-up to ensure completion of file reviews
Initiate process improvement and quality reviews to simplify and improve productivity
Develop management reports
Bachelor Degree in Accounting, Finance or related field
Minimum 8 years of working experience with 5 years in Credit and Collections
International exposure in a MNC preferred
Strong understanding of credit reporting agencies (D&B / COFACE)
Proficient in interpreting financial statements for the purpose of underwriting credit
Prior experience with collaterals arrangements and banking instruments
Excellent written and verbal communication skills in English and Thai
Strong achievement drive,with ability to work under pressure
Ability to work with all levels of the organisation
Strong computer skills - Microsoft Office, Visio and SAP
Some traveling required (10%)

157

Credit Manager Resume Examples & Samples

Bachelor’s degree in Business Administration, Accounting, Finance or related field
7 years of industry experience on Agricultural lending, credit and collections, and agricultural operations
Experience with UCC crop lien laws
Knowledge of financial requirements of farming operations that includes income/expense projections and grain marketing strategies
Knowledge of court procedures and bankruptcy statutes
Ability to travel as needed

158

District Credit Manager Resume Examples & Samples

In addition to the essential job functions described below, all associates will perform duties as requested by management
Build and maintain relationships with the District Manager, Directors, and Area Managers as it relates to growing the business through sound credit management
Attend District meetings and all other essential management meetings
Mandatory customer facing visitation throughout the district on a monthly basis
Overnight travel (on-going and as needed)
Monthly aged trial balance review with the District Manager to identify opportunities to grow the business and communicate potential credit losses
Review and analysis of the A/R High Volume Report with monthly reporting to the Regional Credit Manager
Ownership and monthly review of the aged trial balance, including A/R reviews with all credit managers within the District
Submission of the monthly potential write-off and dispute schedules to the Regional Credit Manager
Direct account responsibility with large, strategic accounts
Personally handle major accounts requiring additional attention and responsibility for decision-making above subordinates’ authority
Monitor the course of significant aged accounts and determine action to be taken
Analyze and interpret financial information received from customer or any other source
Possess a thorough working knowledge of balance sheets, income statements, statements of cash flow, and statements of retained earnings
Prepare and submit accounts in eCredit to Regional Credit Manager for any accounts over your credit limit authority and provide the necessary information for review
Facilitate bad debt recovery by monitoring potential write-offs and collecting on previous write-offs, and taking legal action when necessary
Possess a working knowledge of all state and federal laws and regulations pertaining to the management and collection of accounts receivable including but not limited to: Anti-Trust, Liens, Bonds, Fair Debt Collection Act, Equal Credit Opportunity Act, and the Fair Credit Reporting Act
Possess a working knowledge of Article 9 of the Uniform Commercial Code
Active involvement in the credit trainee training program including but not limited to recruiting, continuous improvement of the training curriculum, and grading of assignments and exams
Continuous training and development of all credit associates within the District
All HR responsibilities including but not limited to performance reviews, associate counseling, new hires, and termination
Maximize use of resources to control the cost of administering credit within the assigned district

159

Credit Manager Resume Examples & Samples

Review with the Director all accounts, which are over 30 days and implement collection procedures for all such accounts in accordance with established corporate guidelines
Write off or adjust noncollectable accounts after approval by the Director or Assistant Director according to established corporate guidelines
Review the Guest Ledger High Balance Report daily and bring discrepancies to the attention of the Front Office Manager and Director of Finance if not resolved
Prepare month-end reports and reconciliation’s as prescribed by policies and procedures for all receivable accounts including credit cards
Two (2) to five (3) years experience with a Finance Department, preferably within a hotel
Strong command of the English language

160

Credit Manager Resume Examples & Samples

Assigns workers responsibility for investigating and verifying financial status and reputation of prospective customers applying for credit, preparing documents to substantiate findings, and recommending rejection or approval of applications
Establishes credit limits on customer accounts and handles special credit arrangements and deviations from standard terms of payment
Assigns responsibility for investigation of fraud cases and possible legal action and collection for worthless checks and delinquent bills within specific company guidelines
Establishes and updates customers’ credit activities
Reviews collection reports to ascertain status of collections and balances outstanding and to evaluate effectiveness of current collection policies and procedures
Coordinates with others, including personnel in company branches and credit card companies, to exchange information and update controls
Submits delinquent accounts to attorney or outside agency for collection
Compiles and analyzes statistical data on fraudulent accounts to develop procedures designed to deter or prevent future abuses
Assists management in the formulation of credit policies
5 years or more in credit and collection work with exposure to multiple aspects of credit activities, including at least 2 years in a supervisory capacity in the same or similar industry. Sincere interest in credit work as a career. Fact finding, analysis and interpretation of the financial position of customers. Supervision of the extension of credit and collection of receivables. Familiarity with credit procedure and credit department administration. Training of credit personnel. Maintenance of satisfactory customer relations. Contact with financial institutions and sources of credit information. Participation in meetings of credit groups

161

Credit Manager Resume Examples & Samples

Pro-actively promote profitable sales growth through secured transactions
Assess and manage Credit risk
Extend Credit to customers in accordance with company policies
Monitor and update Credit information to existing customer base
Manage AR portfolio through direct involvement with customers and internal resources
Negotiate and secure arrangements for payment with delinquent accounts
Minimize bad debt while helping the company maximize profitable sales
Experience with Management & Corporate reporting, and forecasting
Experience with Third Party Collection practices, the legal process, etc.,
Travel required to meet with customers and branch personnel (25%)

162

Credit Manager Resume Examples & Samples

Develop stratetgy, policy and procedure of Credit Acquisition
Review and revise the new/ existing policies and procedures for the business relevant to credit risk in light of changing market conditions based on leading practices
Ensure that the credit processes within the program are operating effectively and efficiently toward achieving high operating standards
Ensure deployment of tools/ systems to facilitate monitoring of the credit risk at product/ portfolio level
Ensure that all credit approvals meet overall policy guidelines
Ensure generation of adequate reports for analysis of the credit portfolio including, but not limited to portfolio concentration risk and portfolio quality
Ensure that the economic capital & expected loss of credit portfolio are in line with the Program’s directions
Manage all the Fleet management, including the availability of assets, maintenance, insurance
Make decisions about the types of vehicles to acquire and the most suitable method of financing the fleet
Maintaining the units so it can operating in good condition
Ensure that supply chain of units is operating effectively and efficiently
Coordinate with all teams regarding the overall credit portfolio management and Fleet management of the Program
Manage and lead all the supervisor and staff under Credit and Fleet department to achieve the goal of the Program
6+ years related working experience in high-change environment
Experience working in financial and Rental/ Fleet companies highly preferred
Experience in the Credit Risk Management is highly preferred
Willingness to challenge the status quo and delivery pragmatic and innovative solutions, influencing at the most senior grade
Displays an in-depth understanding of both commercial and risk strategic requirement
Well-developed knowledge of OJK regulation
Strong quantitative abilities and intuition, exceptional analytical skills
Strategic thinker capable of driving internal and external to a consensus on important issues
Excellent time management and organisational skills
Well-developed accuracy and attention to detail
Ability to work in a fast‐paced, dynamic environment and deal effectively with conflicting priorities and change
Strong customer focus & attention to detail
Previous project management experience
Exceptional communication and presentation skills
BA required, MBA or MS Degree or equivalent experience desired
Excellent Credit and Risk management skill
Strong Fleet management skill
Negotiation skill
Project management skill

163

Assistant Credit Manager Resume Examples & Samples

Full responsibility for managing risk and collection activities for specific territories
Responsibility for AR back office support for specific EU territories
Ownership of credit policy/processes
Monitoring/ challenging compliance
Report creation, publication and review (and challenging the results)
Managing direct consumer debt
Examining processes/implementing change/driving best practice
Forging strong working relationships
Managing and developing your team
CICM qualified with extensive previous credit management experience
Previous experience of managing/supervising a team (preferably with international responsibilities)
Excellent knowledge of credit related accountancy practices, financial controls and complying with audit and policy requirements
A high level of numeracy and PC literacy
The ability to work and lead others in a dynamic, fast moving environment
Strong communication skills with the ability to forge effective/collaborative relationships
Experience of consumer and retail debt management is desirable as is a good knowledge of SAP
Knowledge of credit insurance practices and processes is also desirable
Additional language skills are desirable

164

Credit Manager Resume Examples & Samples

Review credit applications in a timely and consistent manner
Follow-up on approved or conditioned credit decisions and document conversations with dealership personnel in Salesforce.com
Achieve volume goals assigned to branch, as well as individual goals
Upload, document and complete stipulations on approved credit decisions
Call dealerships on a consistent basis to solicit business by establishing strong relationships with dealership personnel and upholding our value promise
Assist the Loan Administrators in completing the funding process on approved applications
Provide a high level of customer service to customers and clients in support of our Perfect Client Experience (PCE) initiatives
Maintain application approval rates at an acceptable level as set by corporate standard
Call dealerships to resolve titles problems, unrebated products or other dealer issues
Three years of industry related experience
Interpersonal skills to build dealer and customer relations
Excellent communication skills to be able to relate to dealership and office personnel
Ability to work weekends and evenings
Marketing skills
Bilingual

165

Cluster Credit Manager Resume Examples & Samples

Work with the Finance Manager to build effective working relationships with internal and external customers
Maintain good communication and working relationships with all hotel areas and other homeworkers and be familiar with any Homeworking Policy
Ability to develop strong relationships
Previous experience in the hospitality industry

166

Assistant Credit Manager Resume Examples & Samples

4-year bachelor's degree in Finance and Accounting or related major; no work experience required
Provide direction and assistance to other organizational units regarding accounting and budgeting policies and procedures, and efficient control and utilization of financial resources
Analyzes information and evaluating results to choose the best solution and solve problems

167

Credit Manager Resume Examples & Samples

Identify reasons for short pays
Collecting full open or balance due invoices within customer payment terms
Reprint invoices and backup documentation as required by customer
Create and establish trust by building a personal and professional relationship with every customer through verbal communication
Provide accurate, complete, and specific data to ensure the customer has everything necessary to resolve issues quickly and pay within terms
Proficient with Microsoft Offices Software (i.e. Word, Excel)Proficient in Excel to include pivot tables, macros, v-lookups, formulas, etc.; excellent organizational skills, ability to read and understand contracts, ability to run and maintain Query and Sequel reports; ability to be a team contributor; good computer keyboarding and 10-key skills
Must be able to work in a fast paced team environment with exceptional problem solving skills
Must be able to manage multiple tasks/projects simultaneously
Must have a passion for growth and development
Prior credit experience not is not required

168

Loan Processing / Funding Credit Manager Resume Examples & Samples

Bachelor’s degree or equivalent work/military experience
5 + years in an operational role with increasing management responsibility and ownership to drive customer satisfaction
Ability to effectively lead high performing loan processing teams
Ability to adapt to and be flexible with constant change and wear multiple hats
Impeccable judgment and comfort with ambiguity
Competitive spirit and ability to lead and motivate teams
5+ years of experience of experience in consumer lending management positions (auto, mortgage loan processing, or personal lending)
Experience in a start-up environment

169

Credit Manager Resume Examples & Samples

Degree in the fields of Health and Safety or similar
A minimum of 5 Years experience in the Management or Coordination of Health and Safety issues
Knowledge of legal obligations relating to Health, Safety and Environmental Management

170

Area Credit Manager Resume Examples & Samples

Supervise the day-to-day activities of the Credit department for both Fairmont Chicago and Swissotel Chicago to ensure all standards are followed
Inspect all in-house accounts to ensure adherence to the hotels’ credit policy; assist with the collection efforts of these accounts where necessary
Ensure local credit policies are followed
Communicate approval or non-approval to the appropriate managers
Ensure proper handling of the filing systems in place according to policies and procedures
Follow all safety policies
Computer literate in Microsoft Window applications and relevant computer applications required
Strong interpersonal and problem solving abilities
Ability to work cohesively as part of a team

171

Area Credit Manager Resume Examples & Samples

Based out of the Spring branch with approximately $160 million in sales and 4 direct reports
Shared credit operation managing the A/R for Maryland FFF
Follow closely the course of aging accounts and determine action to be taken personally or by assistants on delinquent accounts
Review lien filing report daily to protect and enforce bond and lien rights
Follow up on disputes in a timely manner and work with salespeople and customers to resolve
Obtain and maintain a working knowledge of all local, state, and federal laws and regulations pertaining to the management and collection of accounts receivable including but not limited to: Anti-Trust, Liens, Bonds Fair Debt Collection Act, Equal Credit Opportunity Act, Record Retention, Sarbanes-Oxley, and the Uniform Commercial Code
Work with customers in the branch and visit them onsite regularly, either with salespeople or alone
Extend credit to customers in accordance with established company policies and terms in a timely manner

172

Credit Manager Resume Examples & Samples

Extend credit to customers in accordance with company policies
Minimum 5 years experience in credit and collections
Lien and Bond experience preferred
Basic accounting and finance knowledge is required

173

Credit Manager Resume Examples & Samples

Negotiate letters of credit and bank guarantees as required
Work with collections as needed on issues escalated by staff, sales personnel or customers
Credit experience within a business to business global corporation environment
Bachelor's degree in business and experience with credit scoring systems preferred
Knowledge of letters of credit and bank guarantees
Have considerable experience with customer negotiations

174

Senior Credit Manager Resume Examples & Samples

Prepare credit memo, business, financial and industry analysis
Review loan documentation / monitoring of credits
Administration of credit facilities, ad hoc credit applications and discussions with credit risk manager
Ensure that the bank’s policies, credit and compliance procedures are met
Internal co-ordination associated with credit policies related tasks
Provide trainings to colleagues on credit system and policy related matters

175

Senior Credit Manager Resume Examples & Samples

Lead the Americas Credit team supporting all divisions in NAFTA and Central America
Specifically manage the Americas Credit team with responsibility over credit exposure, collection of trade debt, and credit risk assessments
Manage a team of 9 associates
Manage all aspects related to Credit in NAFTA and Central America to ensure the local operations are fully compliant with global policies and standards, cost effective, and high quality and added value to the business operations
Support the credit assessment and collections process in SAP/FSCM system
Ensure consistent credit risk assessment and credit limit authority within Global Credit Policy
Work with the divisions to continually increase awareness of Credit management objectives
Provide management reporting of the performance of the group against objectives. Propose and manage to agreed targets
Skilled in financial statement analysis and make credit limit recommendation and approvals within delegated authority
Provide training and development of staff
Ensure compliance with all required training by staff
Prepare and manage to annual budgets
Must have a level of proficiency with internet, email, and Microsoft
Experience with credit agency reporting including S&P, Credit Risk Monitor, and D&B required
Experience with system including SAP and FSCM a plus
Strong technical and analytical background and financial statement analysis expertise
Superior training and leadership skills
English speaking skills and Spanish a plus
Masters in Business Administration a plus
Interpersonal, verbal and and written communication skills

176

Credit Manager Resume Examples & Samples

5 + years in Credit Management
Must have experience in process improvement
Multi-state and multi-entity credit management experience
2 + direct reports

177

Consumer Credit Manager Resume Examples & Samples

Extensive knowledge of credit analysis. Thorough knowledge of the automotive dealer business. Strong fraud detection, analytical, problem solving, written and verbal skills. Excellent customer service, interpersonal, conflict resolution, and negotiation skills
A minimum of seven years sales finance experience with prior consumer credit experience a must; combined minimum of 5 years of analyst, collections, supervisory and/or sales experience is required. Prior management or supervision of virtual employees is preferred
Bachelor Degree in related field required
Computer use to look up data or information, to generate/print standard reports or spreadsheets developed by others, or to use computer programs developed by others. Strong knowledge of Lexis Nexis, Work Number, Student Clearing House & other tools required
Day and/or overnight travel is required

178

Credit Manager Resume Examples & Samples

Assist the Finance Manager in the budgeting and forecasting of the hotelﾒs profit, capital, cash and other short term plans
Reconcile and check accounts with the hotel
Build financial reports for the hotel, ensuring accuracy and highlighting the reasons behind any vacancies
Apply financial, business and commercial input into hotel operations
Attend finance meetings, as required
Commercial and industry knowledge

179

Credit Manager Resume Examples & Samples

Perform credit underwriting for large fleet customers, identifying the risks in a customer’s financial profile and the structure of the transaction
Maintain complete ownership of assigned fleet customers which includes, but is not limited to, timely review of new credit requests, thorough review of financial statements, monitor financial covenants, obtaining current financial information on a quarterly basis, and addressing existing/projected credit lines
Analyze and interpret financial statements and data, credit reports, other underwriting documents, and prepare formal written credit proposals
Effectively communicate and interact with customers, with a focus on obtaining the necessary information to thoroughly understand business operations, the financial condition of the company, and prepare appropriate recommendations/decisions
Manage the fleet credit process to determine priorities and ensure satisfactory turnaround time
Ability to work well within a team and successfully interact with multiple internal and external stakeholders, including peers, credit staff, sales personnel, dealership personnel, and senior management
Reviews and approves requests for financing within established credit authority
Assist with developing technological solutions to improve existing processes and overall portfolio management functions
Manages self independently often with remote and non-direct supervision
Acts with integrity and adheres to PACCAR’s high ethical standards
Ability to work in team environment
Strong oral and written communication skills, presentation skills
Excellent analytical skills required along with strong negotiating and leadership skills
Good planning, organization and decision-making skills
Sales and collection experience strongly desirable
Ability to interact effectively with all levels of management internally as well as externally with dealers and customers
Proficient in standard PC applications such as Microsoft Word, Excel, PowerPoint, and Access
Proficiency working with data
Customer service oriented and ability to think critically and solve problems
BA/BS degree in finance, business or related field required; MBA or equivalent experience preferred
Five to eight years credit underwriting experience required, including workout experience; commercial equipment lending experience preferred

180

Credit Manager Resume Examples & Samples

Manage the strategy implementation process in order to monitor the effectiveness of credit control procedures and policies
Ensure receivables collection & minimize financial risk exposure
Ensure that terms of payments and credit limits are respected
Monitor customer credit terms to minimize risk of bad debts
Insure customers operational follow up ( unsolved disputes, delivery policy)
Cash and debt collection via telephone/mail/liaison visits
Liaise with commercial offices and customer support management for identifying and resolving problems
Monitor periodic credit reviews
Strong communication skills to build and maintain strong relationships and interface with customers with good business sense
Strong ability to work in a team
At least intermediate level of knowledge of Microsoft excel

181

Credit Manager Resume Examples & Samples

Approach all encounters with guests and employees enlivening MHG Core Values
Supervise accounting assistants regarding accurate and timely billing of group master accounts, processing of credit card inquiries and charge backs
Post cash and check receipts
Review and approve credit data on incoming groups
Track and prepare comp-allotment and commission reports
Prepare agenda and conduct monthly credit meetings
Make collection calls on each appropriate outstanding accounts and maintain collection files
Maintain basic understanding of applicable federal, state and local credit regulations affecting credit and collection procedures
Review and approve the City Ledger transfers daily and communicate to supervisor any deviation from established Accounting policies and procedures
Prepare bad debt write-offs
Handle customer complaints
Review Banquet & Catering weekly events listings
Complete month-end credit reports in accordance with Accounting policies and procedures
Review the timely processing and communication of all guests billing and the collection thereof
Bachelor’s Degree required. High School Diploma or equivalent required
One to two years accounting experience, plus two or more years of supervisory experience
Thorough knowledge of federal, state and local laws governing equal employment opportunity and civil rights, occupational safety and health, wage and hour issues, and labor relations, including, but not limited to the following statutes and their state and local analogues (where applicable): Title VII, ADEA, Equal Pay Act, Pregnancy Discrimination Act, FLSA, ADA, OSHA, FMLA, and NLRA
Move, lift, carry, push, pull, and place objects weighing less than or equal to 15 pounds without assistance
Requires grasping, writing, standing, sitting, walking, repetitive motions, bending, climbing, listening and hearing ability and visual acuity
Stand, sit, or walk for an extended period of time or for an entire work shift
Reach overhead and below the knees, including bending, twisting, pulling, and stooping

182

Area Credit Manager Resume Examples & Samples

Work directly with local management to maximize credit sales
Assist location associates to resolve credit issues, past due accounts, back charges, and short pays
Meet with customers as needed to facilitate the credit and collections process
Review monthly aging on regular intervals to identify customers and/or jobs with credit or collections problems
Responsible for the management of collection metrics of assigned A/R Grant credit within the region according to established company policy
Participate in quarterly reviews with market operations manager
Prepare monthly status reports including “ Watch List and status reports detailing short pays and disputes for Regional/Market Credit Manager and Operations
Prepare monthly portfolio report
Perform or direct lien preparation for all assigned locations to ensure that all receivables are secured
Other duties as assigned by company management
Minimum education required: Bachelor’s degree in finance or other related business field
Special skills required: Ability to deal with conflict, ambiguous and volatile situations
Special knowledge required: State Lien laws as required by regional make up and contractor credit knowledge
Other: Good verbal and written skills, interpersonal skills and detail oriented. Computer literate
Minimum experience required: 3 years experience in operations or credit management

183

Assistant Credit Manager Resume Examples & Samples

Demonstrates knowledge of return check procedures
Demonstrates knowledge and proficiency with write off procedures
Provides information to supervisors, co-workers, and subordinates by telephone, in written form, e-mail, or in person
Uses effective listening skills
Demonstrates self confidence, energy and enthusiasm

184

Credit Manager Resume Examples & Samples

Ensure the highest standard of credit quality through the structure, sanctioning, monitoring and control of credit proposals
Ensure that credit standards are maintained through the on-going development and delivery of credit policy and processes
Exercise personal judgment and discretion in the evaluation and approval/decline of credit proposals, which lie outside credit policy as well as those within
Represent and commit in external transactions and syndications, with lawyers, professional bodies and customers
Manage the credit team in a professional manner
Responsibility for personal & team adherence to governance, compliance and leading and lending portfolio controls
Apply and maintain the credit scoring mechanisms
Conduct and present regular portfolio updates to key stakeholders
Maintain interactive relationship with operations team
Maintain a working relationship with Sales and Business stakeholders to add value
Provide structured and professional advice on specific propositions, risk pricing, credit risk management matters, industry and product specialisms where appropriate
Deliver innovative credit risk solutions with the timely involvement of external specialists
Challenge pricing in order to maximise value and ensure a commercial balance between Risk and Reward

185

Regional Credit Manager Resume Examples & Samples

Analyze branch, district and regional A/R portfolios and adjust strategy to increase shareholder value
Develop appropriate strategies that allow for increased sales and balanced risk
Determines where additional security may be necessary in order to maintain the integrity of the A/R portfolio
Execute policies and processes and provide risk analysis
Prepare various financial and analytical reports
Negotiate payment plans with customers
Determine when to withdraw credit privileges
Approve legal or third party action, accounts to be written off and reserves for bad debt
Communicate credit strategy both verbally and through formal presentations to Regional and Corporate Management personnel as well as to Senior Management
Communication skills - including public speaking and negotiating
Analytical and financial management ability, including statistical analysis
Skill in quickly assessing specific situations and individuals and determining appropriate course of action in order to achieve goals of improved profitability
Ability to develop and maintain positive relationships with internal and external customers
Ability to prioritize and multi-task
Ability to work with multiple deadlines
Extensive knowledge of credit and commercial laws, including lien and bond laws
Bachelor's Degree or equivalent work experience
Previous background should include extensive business and credit management experience

186

Credit Manager Resume Examples & Samples

To monitor and maintain aged accounts receivable within acceptable debtors’ collection days
To review and action on all credit and collection related problems
To ensure compliance to credit policies
To ensure compliance to hotel credit policies by all relevant departments
To ensure monthly collection targets are met
To ensure speedy follow up on all matters related to billing

187

Credit Manager Resume Examples & Samples

On-boarding of Credit Card applications for India Business
Managing the application flow, TAT, quality, compliance, vendor management, query management
Education: MBA/CA
Experience: Prior experience in underwriting/people management
Skills: Process Management, Analytical
Other: Multi-tasking, able to work with various stake-holders of the business

188

Senior Credit Manager Resume Examples & Samples

Minimum 7-10 years prior credit experience with a bank or commercial finance company. Leasing experience is preferred
Bachelor's degree required, preferably with a major in Finance or Accounting. MBA or MSF is preferred
10-14 years overall credit experience in lieu of degree
Ability to Credit review both application-only and financial statement transactions with exposures up to $1.0MM
Experience spreading financial statements and risk rating companies
Solid communication skills
Completion of a Bank Credit training program
Ability to handle a variety of transactions, some of which require complex and unique structures
Assist sales representatives with structuring transactions for prospective lessees
Responsibility for the overall credit quality of a lease portfolio
Make decisions on credit requests within authority limits
Make recommendations on credit requests above existing authority

189

Credit Manager Resume Examples & Samples

Underwriting commercial banking deals. Your knowledge in previous roles means you will know what to look for, the questions to ask and in many cases relying on your judgment and instinct. We are a bank that uses humans to make decisions
Write a decent credit report providing all of the information needed, answering any questions from the Credit Partners and preparing the papers to be presented at credit committee; you will probably know about a range of different industry sectors
Spreadsheets, management information, administration, taking calls from colleagues and customers - that sort of thing

190

Credit Manager Resume Examples & Samples

Lead and provide day to day management of their Credit team in Dudley
Cultivate excellent relationships with key stakeholders within the business implement and maintain Service Partnering Agreements (SPA), ensuring compliance with agreed KPIs and targets
Ensure continuous delivery of cash collection, debt reduction targets to agreed service standards (SPA) and budget
Achieve excellent customer service through consistent delivery of standard operating processes; striving to be best in class; using lean methodology to drive waste out of processes; adding value through continuous improvement; ensuring resolution of escalated customer issues
Rigorously measure the collection performance, drive service efficiency and productivity against industry benchmarks and best practice
To be actively involved in the hiring, performance managing and talent development of their team
Engage with the business partners and senior managers across the business to implement and maintain robust collection procedures and processes throughout the O2C lifecycle; to continually monitored address compliance issues to minimise bad debts
Leads and manages the Credit team through effective setting of SMART objectives and targets for performance and career development
Ensure all training and development needs are identified; providing mentoring and support where appropriat
Ensure that the credit department’s standard operation processes (SOP’s) are fully documented and maintained
Deliver accurate and timely financial and management reporting
Utilise the 3rd party applications to optimise the cash collection; adhere to the dispute resolution processes; ensuring team are competent users; able to use the full functionality to drive performance
Engage with the sales and contract teams and business partners to assist in resolution of disputes and escalated accounts to resolve late payment
Excellent customer service and delivery focus
Ability to lead, organise and motivate large teams
Strong relationship builder
Performance management skills
Challenges the status quo, identifies new opportunities and delivers innovative solutions

191

Credit Manager Resume Examples & Samples

Manage team of credit personnel
Review Aging and DSO results versus targets
Ability to understand and interpret market factors and risk
Collection of accounts receivable –communicates with external & internal customers as needed for past due/dispute resolution
Monitoring of orders not system released – interfacing with customer and/or sales personnel for order release resolution
Evaluate & approve new customer credit applications and credit file reviews on existing customers assigning credit limit within assigned parameters
Keep manager informed of any issues impacting DSO and delinquencies
Manage & participate in the monthly close process to include monthly, quarterly & year-end reporting
Manage database maintenance of customer master files
Assist customer service team with resolution & collection of customer invoice deductions
Analyze customer financial risk to establish credit/terms of sale
Evaluate overdue customer accounts and recommend appropriate collection procedures
Maintains effective communication and negotiation skills with customers to effect collections while maintaining customer goodwill
Working knowledge of export letters of credit
Strong knowledge of accounting procedures and terminology
Knowledge of bankruptcy laws – process notifications and filings
Must possess & demonstrate the highest level of personal integrity and professional judgement
Team Player with excellent communication and customer service skills
Excellent organization and time/project management skills
Highly self-motivated and quick learner

192

Credit Manager Resume Examples & Samples

To provide a high standard of credit support to and engagement with the sales teams undertaking customer visits as and where appropriate to support the effective underwriting of credit transactions
To support Sales Directors in coaching the less experienced members of the sales team (inc. Academy trainees), where required, to deliver a ‘right first time’ principle in the development of proposals
To provide ‘in-field’ support to the sales team and assist with the development and presentation of more complex proposals using market and asset knowledge
To be primary contact point with the Central Credit team developing in depth relationships
To underwrite and manage credit proposals from sales teams within agreed SLAs ensuring that
Underwriting decisions are clearly and concisely articulated with clarity on all conditions of sanction
Meet standards in Credit Policies and Process manuals both for local and centrally approved transactions
Feedback is provided to sales teams individually and thematically to drive improvements in credit applications
To own and manage the timely and effective deployment of Credit Risk Policies and Processes within the regional office
To own and manage systems and processes in place to ensure required reporting is complete and accurate and delivered on a timely basis (e.g. non-standard reporting / asset audit actions)
To manage all credit lines, inc. timely annual reviews, within the regional office including
Customer limits, Supplier limits, meeting suppliers, as necessary
Provide Proposal Analysis and ‘in the field’ Underwriting, in support of the sales-team
Support the sales and collection-teams with both “enquiry” and arrears” visits where appropriate
GSCE or equivalent qualification in Maths and English at Grade C or above
Computer literacy
Agencies who contact the hiring manager directly regarding this role will be removed from the PSL or banned from it moving forward*

193

Credit Manager Resume Examples & Samples

Yes
Ability to work in a team and exhibit initiative and self-direction
Ability to manage multiple priorities and tasks
Strong problem solving and decision quality skills
Excellent research abilities with superior analytical, written, and verbal communications skills required
Five-ten Years of credit management experience
Minimum of three to five years of industry specific credit experience
Consumer Product experience is a plus

194

Credit Manager Resume Examples & Samples

10+ years of credit analysis and portfolio management experience (in bank, leasing or captive environment)
Strong financial analysis skills, with knowledge of Risk Analyst, CreditEdge, SP Capital IQ or other comparable analytical tools
Excellent communication skills and the ability to present, organize and convey complex issues effectively with all stakeholders, including all levels of management, internal and external, on a consistent basis
Must be a self-starter, and be able to work independently, in a fast paced and high-pressure environment
Experience with U.S. Public Sector financing is highly desirable (i.e., quasi-governmental entities, state and local governments and federal financing)
Extremely positive attitude and team player

195

Credit Manager Resume Examples & Samples

Research – including company background, business, management, ratings, markets and news items
Analysis of financial information
Recommending internal credit limits for counterparties
Developing relationships with counterparties
Close interaction with trading teams
Evaluation and analysis of specific trades and structured deals
Assessment of credit exposures for compliance with internal limits

196

Specialist Credit Manager Resume Examples & Samples

Working with private bankers and mortgage specialists to generate lending opportunities
Working with clients and colleagues to make sure the lending business we write is within our policies and risk appetite, and evidences good governance and integrity
Demonstrating a good understanding of market, industry and competitor activity to anticipate and satisfy client needs
Strong lifecycle management through areas such as credit stewardship and Business Approver responsibilities
Interaction with private bankers and mortgage specialists located in London and our offices in Glasgow, Aberdeen and Edinburgh

197

Credit Manager Resume Examples & Samples

Responsible for managing the AUS FSS credit program in order to meet organizational objectives and competitive position in the market place
Collaborate with organizational leadership to ensure the overall credit strategies aligns with and supports the corporate business strategies
Create detailed workflow documentation of the processes and procedures
Develop meaningful reporting for senior level management
Monitor daily workload to ensure all items are worked and resolved in an accurate, timely fashion
Continually evaluate, provide analysis, conclusion and recommendations to determine credit line amounts and communicate all credit related issues to customers and senior management
Hears appeals on credit decisions and makes decisions accordingly
Responsible for staffing and training of assigned functional area
Manage relations with the sales and service departments
Check for credit viability on requests for extended terms, and evaluate various adjustments or exception documents
Perform other duties as required or assigned which are reasonably within the scope of the activities enumerated above
High level credit training, development, management and industry knowledge
High level of organizational skills, integrity and accuracy
Excellent leadership skills that motivate and encourage a fast paced high performing environment
Excellent interpersonal skills and ability to communicate with all levels of Management and Customers (Internal/External)
High level of organizational skills
Hands-on Manager is a must
Ability to work independently as well as be part of a team
Knowledge of financial statements and cash flow analysis, industry/market credit research, liens and bonds
5-7 years’ experience in leadership and management functions
5+ years credit experience
Experience with all A/R functions a plus

198

Credit Manager Resume Examples & Samples

Willing to work a flexible schedule in order to accomplish all major responsibilities and tasks
Willing to accept assignments on as need basis, in order to promote teamwork
Commitment to follow all Local and Corporate Policies and Procedures as they relate to the position
Must be self-motivating and have a high degree of analytical ability and confidentiality, and work in a safe, prudent and organized manner
Review all requests for Credit and Approve according to FHR Policy
Accurate and timely processing of all Advance Deposits
Attend the Pre-Convention Meetings and ensure the credit needs of the Meeting Planner prior to departure
Ensure billing is accurately prepared, clearly presented and sent out timely, followed by a phone call
Ensure all inquiries are investigated promptly and resolved professionally
Work with the Front Office Manager and Reservations Manager to ensure proper maintenance of the Guest Ledger and Advance Deposit Ledger respectively
Maintain the Aged Trial Balance with adequate description, pursue and collect delinquent accounts, refer them to a Collection Agency after notifying the Controller and prepare Bad Debt documentation if necessary
Review all Contracts and Cancellations to ensure that Attrition or Cancellation fees are collected
Actively participate in the Credit Committee and organize Monthly Credit Meetings
Review with the Controller or Assistant Controller on a weekly basis: City Ledger, Guest Ledger, Advance Deposit Ledger and any accounts over 30 days
Train, organize, motivate and supervise Accounts Receivable
Maintain excellent communication and a close working relationship with Sales, Catering, Reservations, Front Office and All F&B Departments
Assist in improving JD Power scores, particularly in the Meeting Planner Satisfaction results
Prepare various Month End Reports, assist in completing Monthly Journal Entries and Balance Sheet Account Reconciliation according to Policy
Previous experience as a Hotel Credit Manager or in an active and supervisory role preferred
Must have experience in collecting many large accounts
Require excellent knowledge of Microsoft Office, Excel, Property Manager and familiarity with Micros, Accounting Manager
Must have excellent interpersonal, verbal, written communication and analytical skills
Well organized with attention to detail and willing to work as part of a team with focus on service and organization
Self motivated; ability to motivate employees and a strong desire to succeed in a challenging environment

199

Credit Manager Resume Examples & Samples

Underwrite new and existing business, operating within an agreed personal underwriting authority and ensure that Close Brothers Invoice Finance & Rentals approve the right business for an appropriate return within group policies and credit risk appetite
Provide assistance and support to the Head of Underwriting – Invoice Finance & Rentals deputising at meetings and for as and when required
Build effective working relationships with the colleagues in the Business, Credit and other central functions
Provide coaching, advice and feedback re credit submissions to front line teams and / or field based underwriters ensuring effective papers are delivered
Own the organisation of local credit committees, production of minutes and distribution of papers for Group Credit Committees
Attend local and Group Credit Committees, deputising for the Head of Underwriting in their absence and any other related activity
Ensure that all Governance and Compliance requirements are adhered to and all reporting and reviewing activities required by the regulatory bodies are carried out to the standards required
Work alongside the Portfolio and Monitoring team in respect of compliance with Credit Policies and own, develop, update and distribute the CBIF Credit Authorities List
To assist from time to time with CBIF Quality Assurance Monitoring
To support Business or Credit projects as required from time to time

200

Credit Manager Resume Examples & Samples

Commitment to supportive teamwork and open communication
Responsibility for ongoing enhancement of their skills and performance
Recognition of personal accountability for their own actions and the outcomes of those actions
An understanding of the effect of their behavior on our guests, their fellow employees and the reputation of the Company
Maintain harmonious and professional relationship with all departments
Comply with and enforce Four Seasons’ Category One and Category Two Work Rules and Standards of Conduct as set forth in EmPact
Supervise, train and motivate Credit Department employees to thoroughly understand all of their duties and responsibilities
Take appropriate personnel-related action (i.e., hire, commend, discipline, evaluate, etc.) with Credit staff as required
Conduct training sessions for the Front Office staff and Catering & Sales staff on credit policies and procedures
Assist in other areas of the accounting office as needed
Highest level of integrity and transparency
Strong interpersonal and relationship-building skills to work with cross-functional teams
Excellent written and verbal communication skills to prepare and deliver reports, effective presentations and to facilitate meetings
Promote a continuous learning environment that creates an atmosphere for professional development opportunities
Apply an ethical approach to influence the outcome of situations
Serve as a role model for others by demonstrating appropriate business conduct and ethical principles
Continuously seek to improve/develop the performance of others and continuously strive to improve his/her own performance
Work in a safe, prudent and organized manner

201

Credit Manager Resume Examples & Samples

5+ years of B2B Credit and Collections Management
Must have experience with B2B Collections in a large, fast paced environment
Must be a self-starter with the ability to work independently and with little supervision
Must possess strong planning, organizational and execution skills
Must have the ability to set goals and meet deadlines
Must possess excellent customer service skills
Must have personnel management experience and strong leadership skills
Must have the ability to establish strong working relationships with co-workers and management
401K Plan, Health Insurance (medical, dental, and vision), Paid Vacation, Paid Sick, Paid Personal, Paid Holidays, Flexible Spending Accounts (Health and Dependent Care), Employee Assistance Program, Tuition Reimbursement, Employee Discounts and a definitive career path

202

Area Credit Manager Resume Examples & Samples

Staff management experience
Knowledge of state-specific lien/bond, construction, bankruptcy and related federal laws
CBF/CCE certification preferred
Good understanding of finance

203

Credit Manager Resume Examples & Samples

Contacts customers via phone, fax, and/or email re: payment of balances owed to EIS
Works with branches and outside sales to expedite dispute resolution
Reviews aging data to determine accounts needing follow-up collection activity
Reviews questionable accounts for changes in their credit worthiness
Sends past due notices by fax, mail, or email
Establishes credit limits for new accounts based on historical credit information
Bachelor’s degree in Accounting, Business, Cost Accounting, or a related discipline
Over three years of related experience or equivalent combination of formal education/training and experience
Experience is industrial distribution is a plus
Demonstrated ability to maintain confidentiality
Ability to exercise sound independent judgment
Demonstrated ability to negotiate satisfactory business resolutions
Demonstrated ability to communicate effectively both verbally and in writing

204

Credit Manager Resume Examples & Samples

Education in field of economics and/or management (or similar) with 3 to 5 years of experience in credit management
Good commercial knowledge and ability to find the balance between risk and commercial interest
Excellent interpersonal and communication skills combined with some managerial experiences
Demonstrate fast problem solving skills
Proactive and foresighted thinking, combined with entrepreneurial spirit
Fluency in English language
Knowledge on MS Office
Knowledge on SAP or other ERP system will be an advantage

205

Regional Credit Manager Resume Examples & Samples

Bachelors in Business, Accounting, Finance, Economics or equivalent experience
7+ years as a Senior Credit /Loan Workout Officer or equivalent and experience managing a mid-size team
At least 10 years experience in Auto Dealer Floorplan Financing
Demonstrated track record of managing a team, strong individual contributions, interacting with Executive level management and working within a team environment
Excellent written/verbal communication and interpersonal skills
Strong negotiation and presentation skills
Thorough knowledge of credit policies, procedures, regulations and applicable law

206

Assistant Credit Manager Resume Examples & Samples

Credit & Financial Review – New & Existing Customers
Credit Hold Review & Release – approximately 500 accounts/$15MM portfolio
Collections Management
Credit File documentation
Over-Line Review
Regular account reviews with Director of Customer Credit Services & Sales Support
Credit renewal process management/control
Support Sales with Balanced Risk Management
Interact with various credit clerks
Work with Director Customer Credit Services to ensure proper collections priorities
Work with Director Customer Credit Services to ensure position goals are achieved

207

Area Credit Manager Resume Examples & Samples

Perform credit investigations and evaluations of credit risk in order to approve new customer accounts and assign credit limits
Evaluate new and existing customers and special financial arrangements, credit counseling and customer visitations as necessary
Monitor accounts on a daily basis - place accounts on hold, release orders, review collection notes, and aged balances - provide adjustments as necessary
Prepare annual credit reviews of assigned accounts in compliance with Corporate Credit policy
Communicate with field sales and sales management on status of assigned accounts, coordinating investigation of UADs, pricing issues, required credit memos and other actions required based on investigation and analysis
Communicate and answer incoming phone calls from store personnel - resolve customer situations dealing with credit limits, closed accounts, or accounts placed on credit hold
Bachelor’s degree in finance, accounting, or related business or equivalent experience
Ability to effectively analyze various types of financial information and reach sound conclusions
Ability to effectively communicate and interact with customers and all levels of the business unit management to achieve the best possible results
Ability to lead and conduct financial and credit related meetings with SBU management and external customers
Complete understanding and working knowledge of special financial instruments such as security agreements, third-party guarantees, promissory notes, letters of credit in order to perfect the appropriate financial arrangement (desired)
Working knowledge of Oracle Receivables and various other credit/receivable software (desired)
Working Knowledge of MS Office

208

Credit Manager Resume Examples & Samples

Teach department managers SOPs pertaining to their job that is related to AR items
Maintain responsibility for the daily Accounts Receivable credit, billing, and collection process in accordance with Highgate Hotel’s policies and procedures
Monitor payment requirements on groups or functions
Review credit requests and pull credit reports for upcoming groups or functions
Approve or decline credit requests in accordance with Highgate Hotel’s policies and procedures
Complete collection calls on each appropriate outstanding accounts and maintain collection files on each outstanding issue
Reconcile the City Ledger, Guest Ledger, and AR Clearing Balance Sheet accounts on a monthly basis
Reconcile the Allowance for Doubtful Accounts on a monthly basis
Send Dunning letters
Handle customer complaints that are credit related
Review Banquet & Catering weekly events listing and assign credit status as appropriate
Process returned checks and credit card chargebacks
Conduct credit meetings and maintain minutes (including returned checks / chargebacks logs, credit trace reports, write-offs, bad debt allowances, etc.) in accordance with Highgate Hotel’s standards
Monitor and lead the AR team; Interview, train, supervise and develop Accounts Receivable staff, including coaching, counseling and discipline
Copying, filing, faxing, typing as necessary
Monitor and prepare credit reports in accordance with Highgate Hotel’s requirements meeting various due dates and deadlines, e.,
A minimum 1 year of progressive experience in a hotel environment; or a minimum of 2 years of progressive experience in a related field
High school diploma required. College course work in related field helpful
Previous supervisory responsibilities preferred
Must be proficient in Windows, Company approved spreadsheets and word processing

209

Credit Manager Resume Examples & Samples

Owning the end to end delivery of material transactions and amendments, whilst using your expertise and judgement to make recommendations regarding credit and product issues for customers
Providing information on a customer’s business via research, using various sources including; trade journals, broker’s reports, internet, Bloomberg and rating agencies
Delivering professional advice on risk management matters, industry and product sets, competitor activity and the timely involvement of external specialists
Developing highly thought out, top quality credit analysis and solutions, with the view to obtaining credit approval from credit sanctioners and credit committees
Being a point of contact for credit management purposes for various stakeholders such as customers, accountants, solicitors and other professionals
Being highly analytical, with strong numeracy skills and experience in analysing financials including management accounts and forecasts
Decisiveness and the ability to provide justifications for decisions
Excellent communications and presentation skills
Superb inter-personal skills, including strong negotiation skills and persuasiveness
Proven credit analysis experience and first class structuring skills
The ability to work to tough deadlines in a pressure environment
Assessment: If your application is successful at this stage, we’ll ask you to complete an online Situational Judgment Test to explore your alignment to the Barclays Values and Competencies. Your recruiter will be able to provide further information about the test

210

Divisional Credit Manager Resume Examples & Samples

Obtain financial statements for the entire portfolio of customer
Obtain and analyze bank & trade references on all customers
Financial ratio analysis
Payment application to accounts receivable
Great customer service
Great telephone and communication skills
Above average math skills
Experience in collections
Experience in evaluating D & B reports

211

Credit Manager Resume Examples & Samples

Enforces credit and collection policies, procedures and practices consistent with Vulcan Materials Company, division and corporate policies and procedures
Hires, trains, develops and supervises credit and AR personnel for the division and establishes performance measurements for divisional/departmental personnel
Establishes effective management controls to ensure that the division’s credit exposure is consistent with standard accounting and business practices. Cooperates with other Vulcan divisions to develop "best practice" procedures
Works closely with Sales personnel to establish collection and account exposure criterion for individual customers throughout division
Reviews and recommends ways to improve and automate credit and collection functions and practices throughout division
Develops effective systems to control, manage and follow up the effort of collection of past due receivables throughout division
Establishes and reviews controls for the division to effectively work within the statutes of the Lien Law, of various states in which we do business, for the preservations of job rights
Develops programs to reduce division’s days sales outstanding (DSO) to be within Company goals and objectives
Looks for ways to consolidate and improve division Credit department performance
Represents the Company at outside industry functions
Represents the Company on credit related matters during customer visits
Represents the Company on all legal matters effecting trade receivables, working with attorneys, bankruptcy court matters and collection agencies, understands the legal aspects of Credit Management
Works closely with Vulcan Materials Company internal departments in the preparation of monthly reports for the division
Responsible for all internal administrative requirements in support of credit department functions for the department i.e., budget projections, employee evaluations, collection results reporting, Sarbanes Oxley compliance
Minimum of 5 years prior managerial experience and 8-10 years in the credit and collections field
Knowledge of construction materials industry and of applicable state lien laws necessary
Knowledge and understanding of modern accounting theory and practice
Knowledge of credit management and collection practices and procedures
Able to establish policies and procedures to support the region and corporate credit functions
Able to manage a multi-state function and provide support to field operations
Strong leadership, communication, team work and problem solving skills
Ability to manage multiple assignments efficiently and effectively; ability to motivate staff and expand their skills and knowledge
Computer (Excel, Word, PowerPoint) and customer service skills; attention to details; government regulations and effects of credit operations

212

Senior Credit Manager Resume Examples & Samples

Credit manager maintains departmental organizational structure sufficient to meet all the goals and objectives
Experienced Credit background working in business to business (B2B credit) environment. Monitors any potential risk on a daily basis, notifying senior management of any changes
Complete understanding of customer compliance, including successful repayment of all claims
Must be comfortable contacting customers for financial statements and discussion regarding the customer’s credit situation and offering solutions to help the customer improve payments/financial standings
Build strong working relations with sales
Represent accounting interest in cross functional areas that may include IS, Sales, Customer Service, Distribution, and Finance
Manages the new account setup process and responsible for the approval of all new accounts
Directly impacts cash flow and monthly DSO for the company through the management of risk, customer contact, and cash flow management
Familiar with strong controls (SOX experience would be a positive)

213

Credit Manager Resume Examples & Samples

On-boarding of Credit Card applications for India Business,
Individual Contributor (IC)/Managerial: Managerial – Will have around 10 reportees including award staff
Prior experience in underwriting/people management (Preferred)
Process Management, Analytical

214

Credit Manager Resume Examples & Samples

On-boarding of Personal Loan applications for India Business
The role is also required to manage application flow, TAT and quality
Underwriting of Personal Loan and handling front end Queries

215

Assistant Credit Manager Resume Examples & Samples

Assist in managing the activities of the credit department including the collections and claim resolution, functions in a manner that will increase sales and profits and promote customer stability
Establishing credit and collection policies while conducting financial analysis and make recommendations regarding account activity
Perform financial reviews which include analysis of financial statements, trade and bank references, information from trade groups, etc. Apply sound credit management principles and the Company’s risk appetite in recommending or approving credit lines for new and existing accounts
Recommend improvement and enforcement of company policies and procedures to insure the Company is following Best Practices for our industry and compliance of all laws and guidelines dictated by regulatory bodies’ under which the Company is governed

216

Credit Manager Resume Examples & Samples

To manage the overall credit and receivable collection functions of the hotel in the most efficient manner in order to maximize the non-payment of accounts and potential bad debts
To be responsible for the efficient and effective operation of the Credit Department
To ensure that the hotel credit policy and procedure is adhere to all departments
To ensure teamwork and efficient operation of the department through team spirit development
To discharge the duties in an effective and efficient manner

217

Credit Manager Resume Examples & Samples

Manages customer credit risk in a Regulated environment
Manages and reports Credit & Collections forecasts and analytics relating to credit strategies and results of operations
Manages the forecasting of Bad Debt Expense by analyzing factors such as Gas Prices, Customer Usage, Revenue, Write off and Delinquency as well as Economic & Societal Factors that might affect Bad Debt Expense
Interfaces and coordinates with various internal business and operational functions (i.e. Customer Account Support, IT, Call Center, Field Operations, Regulatory, Finance and Accounting) for the purpose of incorporating external factors into the Credit & Collections operational forecasts and implementing collection strategies
Manages SOX Compliance relating to Credit & Collections operations
Manages Energy Assistance Programs and develops outreach strategies to maximize incoming grants
Manages all aspects of Credit operations including Diversion, Debt Research, Receivables Management, Credit Bureau Disputes, Bankruptcy, Security, and Refunds
Develops and manages Credit policy including setting Credit Standards and Operational practices
Manages the forecasting and planning of third party vendor contracts
Manages people, process and strategy in regard to the Credit & Collections team
Develops forecasting and scheduling procedures and deliverables
Participates in Credit and Collections/Customer Service projects and initiatives
Manages third party collections, including evaluating performance
Develops and implements succession and knowledge transition plans for team
Requires a minimum of three (3) years management experience and a minimum of five (5) years Credit & Collections experience. Utility experience is desired
Able to demonstrate and apply a thorough knowledge of Credit Scoring and Credit Screening Models
Able to develop and/or utilize Predictive Default Credit Risk Models
Able to demonstrate and apply a thorough knowledge of State and Federal laws that affect Credit & Collections, including FTC Identity Theft and Fair Credit Reporting Act
Able to develop and/or utilize transaction-based econometric forecast models
Able to demonstrate a thorough knowledge of/and implement Customer Segmentation Strategies to reduce delinquency
Able to drive improvements by implementing sound collection strategies and workforce management skills
Able to analyze performance trends and operational metrics in an effort to identify and articulate performance issues and improvement opportunities
Able to work with and communicate workforce management strategies with Credit & Collections, Customer Service, and Field Operational leadership in an effort to drive performance towards common goals and objectives
Able to manage a diverse range of projects simultaneously in a rapidly changing environment
Able to demonstrate and apply superior analytical, organizational, and time management skills
Able to achieve quality work under deadline pressure
Able to learn and apply new knowledge and skills quickly
Able to solve problems guided only by general organization objectives, policies, and goals
Able to develop people and drive performance
Able to demonstrate excellent negotiation skills and consensus building
Able to work comfortably and communicate with all level of management and leadership. Able to demonstrate commitment to compliance with applicable laws and regulations, the Companys Ethics and Compliance Code of Conduct, and other Company Policies and procedures and do so consistently, take all required training courses and do so timely
Able to demonstrate respect for all individuals, adhere to the Companys values and business practices and do both consistently

218

Assistant Credit Manager Resume Examples & Samples

Bachelors Degree in Accounting/Business related field
5 years + of relevant working experience in the FMCG industry, experience in key account retailers or key distributors is a plus
Good knowledge of FMCG environment with business sense, particularly on customer claims arrangement
Proficient in English, Mandarin and Cantonese
Strong analytical and coordination skills
LI-GSK
Collect customer claim documents from all fronts, and contact customers for information/documents/clarifications regarding claims, disputes or short payment if needed
Register the claims received
Split the received claims by brand/trade activity/reasonable breakdown to facilitate sales team to review
Prepare review summary (with claims supporting documents) and pass to sales team for offline review and approval
Register claims upon sales’ approval, and assign accrual (Trade activities) to claims as per sales’ instruction, then pass the details to Credit Service team for system claims creation
Perform EDI portal check to ensure Key Account customers receive all the GSK invoices

219

Credit Manager Resume Examples & Samples

Responsible for the Credit and Accounts Receivable matters of the hotel, including extension of credit to Hotel guests, patrons, corporate clients and tour agencies
To provide monthly report on ageing analysis of Accounts Receivable and on problematic accounts with collection status and recommendation
To submit list of bad and doubtful debts for review and approval for write-off in accordance to established policy
To review all credit and collection related problems at the monthly Sales Department Meeting
To prepare agenda of monthly Credit Meeting for discussion with the Director of Finance first before attending the Credit Meeting
To maintain records and history of all credit work
To work with credit card companies in regards to procedures, credit limit and cancellation bulletins
To liaise and maintain a close working relationship with other Hotels’ credit managers, travel agents and corporate clients. Attend the monthly Inter-Hotel Credit Managers Meetings
To work closely with Sales and Marketing, Front Office and other operation departments, offering advice and assistance on all matters relating to credit control. Assist Sales and Marketing in negotiations with prospective clients on security and amount of credit to be granted
To investigate credit references
To review daily the in-house guest high balance report and to bring to the attention of the division heads in operations committee, where there are significant committee
To review daily Guest in house PM Account report and clear all adjusting entries with the Income Auditor. Recommend policy and procedure improvements to the Director of Finance & Business Support, where applicable
To send appropriate letter-of-reminder to slow-paying debtors in accordance to policy
To take appropriate action against defaulting debtors and recommend such cases to the Credit Control Committee for the next course of action, including the suspension of accounts and legal actions
To investigate dispute charges and correspond with clients. Where necessary, lodge claims on a case-by-case basis to the Small Claims Tribunal
To liaise with company’s solicitors with regards to matters concerning debt recovery from errant debtors through legal means
To verify all credit or debit notes which relate to the city ledger accounts
To liaise with internal and external auditors pertaining to procedures, policies and records of Credit Control and Accounts Receivable
To process and monitor one-time credit and late charges accounts for the Financial Controller’s approval and follow-up
To collect cheques daily and ensure that the AR Assistant correctly updates accounts in the AR Computer System. Also to ensure that all collection receipts are handed over to the General Cashier for bank-in purpose on a daily basis
To ensure AR aging accounts do not exceed 60 days and report all accounts aged above 60 days with sufficient details on collection efforts to the Asst Fin Controller. The Asst Fin Controller will then bring to the attention of the Director of Finance the case and above
To ensure payment from debtors are properly updated regularly. This includes all collections for the day, Credit Card Reconciliation and Accounts Payable (Suppliers)
To reconcile receipt of payment between Accounts Receivable and General Cashier’s Report weekly so that no debtor payment is omitted from the computer system
To monitor all contra of city ledger with TA Commission properly
To monitor all contra deal transactions against their contracts and ensure proper statements are sent to contra-deal parties
To supervise the work of the Credit and AR Assistants
To perform any other duties assigned by the Director of Finance & Business Support
Previous leadership experience in a Credit department required
Computer literate in Microsoft Window applications andor relevant computer applications required
Ability to work cohesively with fellow colleagues as part of a team

220

Russia Credit Manager Resume Examples & Samples

To develop and implement Credit Policy and procedures in R&B consistent with the Group Credit Standard and provide assurance that they operate successfully
To establish / implement / maintain streamlined processes and models for customer credit risk assessment, aligned with any applicable SPU Finance guidelines
To ensure that risk ratings are reviewed and credit limits are approved for all new and existing customers by R&B Finance in accordance with established DoAs
To support the business by seeking timely approval of credit limits within appropriate level of the SPU Finance in all cases where R&B / country DoAs are exceeded
To ensure timeliness and integrity of credit exposures and credit losses forecasting, reporting and accounting
To review credit limit violations trends, perform investigation and decide/ propose credit holds if necessary after consultation with the relevant Business
Is accountable to set up ACDD processes for customers to manage the risk
To provide experts advise and guidance for the development of new customer financing/cash collection/ processes
To support the Business in Customers investment / Trade Loans processes and methodologies
To develop and maintain working relationships within the Country with Sales Management, Sales Operations/Customer Support, Legal and Tax
To develop and maintain working relationships outside the Country with Finance Credit Network and the Regional/BU Finance Credit specialists
To participate in the BSI Project: coordination of reconciliation and confirmation concerning accounts receivables
To perform other tasks as requested by the line manager and R&B general management
Performance driven
Good communication skills at all levels of organization
Good written and spoken English
IT literate

221

Credit Manager Resume Examples & Samples

Lead a team of 6 to success; motivate and coach the team members to support all aspects of service delivery. Continually drive team and individual performance; proactively review processes and improve efficiency
Ensure the team meets their KPI objectives and service levels in respect of quality and timely credit decisions
Daily management of the credit activities within a designated business channel (Corporate or SME)
Deliver a high level of quality to the decision process, documentation and compliance with legal requirements in lending business
Be the escalation point for internal sales channels and external partners (Retailer Network & Brokers)
Make credit decisions within your own authority level; review credit decisions made by Credit Analysts and Assistants and make recommendations on credit decisions above your own authority level
Build strong relationships with the senior the stakeholders within our external partners
Work closely with the managers of our internal sales channels to support sales initiatives
Deputise for the Head of Department within your own business channel (Corporate or SME) when the need arises
Proven, relevant team leadership / management experience within banking or the financial services industry, specifically covering credit assessment / financial analysis. An advanced understanding of credit assessment processes is essential
Well-developed analytical and information gathering experience as well as possessing a good commercial awareness and an entrepreneurial spirit
Effective, proactive communicator and inspirational, collaborative team manager; able to prioritise and ensure that the Credit Management team meets KPIs relating to service delivery and quality standards
Passionate about what you do and about delivering an outstanding level of customer service for both internal and external customers
Inspirational leader; able to motivate and develop people to derive collective and personal success
Confident with strong presentation skills

222

Credit Manager Resume Examples & Samples

Maintain & enhance collection processes and systems for North America
Managing all accounting and reporting related to credit and collections activities
Support all Americas labs by building strong relationships with lab staff and external customers
Communicate and enforce standard collection policies and procedures to all collection groups
Monitor performance measurements, collection targets and monitor results including DSO targets and aged past due percentages
Monitor 3rd party collections recovery program to ensure that 3rd party targets are achieved
Perform month end functions and prepare consolidated receivable analysis on a monthly basis
Oversee and review monthly bad debt provision calculations for bad debt reserve JE supplied to accounting
Drive problem resolution and where necessary implement changes to processes
Lead change management as we move towards globalization of processes with other Shared Service Centers in UK & MEAP as it relates to the credit and collections function in Americas
Protect company’s assets by ensuring that corresponding A/R risk exposure is limited through proactive credit analysis and risk mitigation of the subject customer
Review credit limit of existing customers to be consistent with customers current "credit worthiness"
Review & Approve credit limits for new customer credit applications ensuring accuracy
Support internal and external Auditors

223

Regional Credit Manager Resume Examples & Samples

Experience as a Senior Credit /Loan Workout Officer or equivalent
Experience managing a mid-size team
At least 10 years experience in commercial equipment finance and leasing

224

Credit Manager Resume Examples & Samples

Based out of the Raleigh branch with approximately $140 million in sales across 15 locations
Follow closely the course of aging accounts and determine action to be taken personally or by others on delinquent accounts
Obtain and maintain a working knowledge of all local, state, and federal laws and regulations pertaining to the management and collection of accounts receivable including but not limited to: Anti-Trust, Liens, Bonds Fair Debt Collection Act, Equal Credit Opportunity Act, and the Uniform Commercial Code
Evaluate the need for joint check agreements where appropriate
Possess a strong commitment to professional development

225

International Credit Manager Resume Examples & Samples

Manage total and overdue debt position within company target and insurance limits, working closely with international franchise partners and the International commercial teams
Ensure visibility of debt and overdue position through accurate & meaningful weekly and monthly reporting
Maintain and review Credit Insurance requirements and ensure Mothercare adhere to policy
Assess and support system developments to assist and improve A/R process
Manage internal credit control policy to ensure this is up-to-date and adhered to
Work with Head of Tax to ensure Withholding tax collated on time and in full
Manage & develop team of 2 (UK AR Manager and AR Assistant)
Coordinate and lead fortnightly debt meetings to review balances with international development managers
Support Senior International Finance Manager in preparing for International board meetings
Liaise with auditors at half year and year end, and prepare audit papers for audit and risk committees
Liaise with Treasury team and manage periodic cash forecasting process
ICM qualifications
CODA experience

226

Assistant Credit Manager Resume Examples & Samples

Analyzing credit data of individuals or firms, prepare reports with credit information for use in decision-making
Assist the company in maintaining an acceptable level of credit risk. Obtain financial and personal data for credit reports
Responsible for establishing new accounts, maintaining customer credit limits and managing account hold status
Consult with customers, resolve complaints, able to negotiate terms under which credit will be extended including costs, repayment methods, and collateral requirements
Monitor receivables by working with other departments and customers to research and resolve issues
Maintain constructive relationships with customers and sales department
Review individual or commercial customer files to identify and select delinquent accounts for collection
Identify and transition accounts to outside collection agency and/or legal services as appropriate
Risk Analysis: Analyze financial statements, process and evaluate bank and trade references and utilize online credit scoring application to support credit line decisions. Make independent credit decisions within assigned authority and provide well thought-out recommendations to management for issues outside of authority
Workouts: Interact with senior management, both internally and externally, to resolve serious repayment issues. (Experience in Notes Receivable, Letters of Credit, Security Agreements and other workout mechanisms required)
Receivables Management: Manage client exposure (including job and order approval/releases) to granted credit limits in order to maximize revenue and minimize risk
People Management: Supervise staff including providing direction and feedback. Host one-one-one coaching and review sessions with direct reports. Interview and make selection decisions for open positions. Responsible for performing mid-year and annual reviews, and to support the career development of direct reports
Management Reports: Prepare monthly management reports as required. Utilize various ad hoc reports to maximize analysis and collection efforts
Special Projects and Team Participation: Lead management directed projects in an independent manner
Serve as a resource to peer group
Assume other responsibilities inherent to the position
Assist the company in maintaining an acceptable level of credit risk
Obtain financial and personal data for credit reports
Establish new accounts, maintaining customer credit limits and managing account hold status
People Management: Supervise staff including providing direction and feedback. Host one-one-one coaching and review sessions with direct reports. Interview and make selection decisions for open positions. Responsible to perform mid-year and annual reviews and supporting career development of direct reports

227

Credit Manager Resume Examples & Samples

40% Credit Risk and Accounts Receivable Oversight: Establishment and oversight of credit policies and processes that comply with Cargill Global Credit Policy. Proactively work with the NA CPS businesses to find the right balance between minimizing risk while maximizing rewards
Provide guidance in escalated, high risk/high reward situations
Provide risk mitigation solutions and facilitate credit risk discussions with business leadership
Ensure Credit and Financial Risk Committee (FRC) policies and procedures are understood, complied with, and adhered to by the retained credit organization and the CBS credit team for the CPS NA businesses
Communicate all policy and procedure changes and provide on-going training to the credit, CBS, and commercial teams
Good understanding of the business environment and variables impacting our customer´s businesses and the ability to translate that into risk avoidance or value creation
On-going monitoring of credit exposure vs approved limits
Provide oversight on bankruptcy/bad debt accounts
Provide oversight of accounts receivable and ensure processes are aligned to meet working capital and DSO goals
40% Business Partnering: This individual will be responsible to address the critical issues escalated by CBS and the businesses. Working with the CBS OTSC leadership and business teams, this individual will be responsible to ensure efficiency and effectiveness in the processes for evaluating credit worthiness, credit limits setting, credit exposure monitoring/reporting, A/R collections and past due/defaults monitoring and control
Build and maintain relationships with strategic customers and business leaders
Create and maintain a culture of cooperation between the retained credit organization, CBS, and commercial teams to ensure that complete and timely credit worthiness evaluation is prepared for each customer, (as per credit policy) before the credit limit request is submitted for approval into the systems workflows
Provide oversight for CPS approach to managing customers’ risk
Ensure strong communication and collaboration between the Global Credit Group, the CBS centers, and the business
Partner with CBS on credit exposure, monitoring/reporting, A/R management and continuous Improvement
Ensures visibility and accountability of key business metrics and fosters a culture of cooperation and continuous improvement with the CBS centers
20% Talent management
Identify, develop, and coach direct reports to ensure we have high performing teams. Empower team to initiate change and drive results
Identify, retain, and develop key talent to support risk management and continuous improvement
Accountable for overall performance management, talent development, succession planning, and engagement
Create a culture of self-driven curiosity development and encourage intellectual curiosity to meet individual development goals
Bachelor’s Degree or higher in Finance or Accounting
7+ years experience in credit management or Finance
Knowledge of credit, collection, & bankruptcy laws, collection agencies and attorneys
Expertise in financial statement analysis and risk assessment
Excellent written communication skills, both written and verbal
Demonstrated experience and success in managing virtual teams and motivating for high performance
Ability to successfully interact and negotiate with customers, both internal and external
Demonstrated flexibility and ability to deal with ambiguity
Strong leadership, team building, interpersonal, and communication skills
Demonstrated change agility
English Proficiency
10+ years global credit-related experience
Strong knowledge of credit management systems and ERP’s
Proficiency in Microsoft Office applications (Word, Excel, PowerPoint)

228

Credit Manager Resume Examples & Samples

Mortgage industry experience (from Lead generation/ marketing, Sales, Fulfillment, Servicing, Default)
Required experience working on mortgage/ retail lending initiatives and technologies with digital mortgage experience a plus
Must be willing to travel up to 80% (Monday - Thursday) Advise upon, lead and work on high impact activities within the systems development lifecycle, and provide advisory work for the IT function itself
5 years of work experience between Management Consulting/ Technology Consulting and/ or industry
Bachelor’s Degree**

229

Consumer Lending & Consumer Credit Manager Resume Examples & Samples

Two year degree or more is preferred
Preference for 2 - 4 years of previous experience in a supervisory role or equivalent, preferably in a banking environment
Excellent interpersonal and communication skills
Excellent problem solving and analytical skills
Proficiency in Microsoft Office

230

State Credit Manager Resume Examples & Samples

Overall management of the Sydney credit team, ensuring SLA's are met, monitoring and driving staff individual performance (through your direct reports) and ensuring KPI's are met
Proactively taking ownership of managing internal relationships with colleagues in Sales, Credit, Risk Management, Legal and Operations
Overseeing the Branch's performance management framework, including regular and supporting feedback, coaching and professional/technical training
Ad hoc project management/involvement with the many Macquarie Leasing initiatives
Extensive credit risk management experience
Extensive NCCP Responsible lending knowledge and experience

231

Credit Manager Resume Examples & Samples

To know and observe the credit policies of Jumeirah International LLC and to assist in establishing and compiling legible and defined credit procedures for all positions in the department
To investigate customer’s credit worthiness through various available means (e.g. DECOL Debt Collection Agency, Banks, Other Establishments etc.) and to recommend credit approval or disapproval to management
To maintain a complete record for each Customer containing all documentations related to the credit research
To update approved credit customers in Opera and Sun
Names of the defaulters have to be communicated with other SBU Credit Managers, & Director of Finance
To set and regularly review credit limits for both in-house guests and City Ledger balances. Forward high balance report by e-mail to Front office and check updated remarks given by Front Office staff and follow up any discrepancies with Front Office Manager. Twice a week hard copy of high balance report to be signed by General Manager and Director of Finance
Bi monthly credit meeting to be done with Director of Finance
To follow up on the collection of Returned checks, Credit Cards Charge Back; Skipper Accounts
To investigate disputed charges and to follow up on queries received by City Ledger customers and credit card customers
To monitor if AR staff maintains ongoing detailed documentation of all collection efforts for future analysis of a customer’s credit worthiness and to serve as support in the event of a bad debt write-off
To recommend the writing-off of not collected debts. The writing off should be done after 6-12 months
To review and sign pro-format invoices and pass a copy to responsible department and to file a copy. Follow-ups have to be done by the concerned departments. These departments have to be informed when money has arrived
To reconcile accounts receivable trial balances with the general ledger accounts each month and to ensure accurate ageing
To ensure that all transfers to City Ledger through Night and Income Auditors do agree with the control account
To audit city ledger rebates and journals prepared by AR staff and forward to the Financial Controller for review and signature before posting them through Sun or Opera
To ensure AR staff checks if all daily City Ledger folios are received from Front Office
To ensure that all folio transfers are approved Debtors and routed to correct customer
To ensure accuracy of all charges and credits posted to the individual accounts
To ensure AR staff processes invoices/folios promptly and to render interim and monthly statements and follow up letters on a timely basis
To ensure AR staff monitors and maintain supporting documents of all advance deposits
To answer clients’ queries promptly, professionally and efficiently
To ensure AR Staff check room rates charged to travel agents are in accordance with the contract
To ensure that group billings are completed as per contract
To initiate payment of travel agents’ commissions on the basis of verified computer reports
Update any changes of customer’s details and contacts
To check if the bills are attached with proper covering details e.g. authority letter, vouchers, or any other relevant documents supporting the charges before dispatching to customer
To ensure AR staff maintains the records i.e. photocopy of invoices, supporting documents, statements, filing etc
To deliver invoices to proper places and ensure that the person concerned is in receipt of the same
To prepare daily the No Show / Cancellation and Early Departure report and forward by e-mail to General Manager and concerned HOD’s
To monitor staff performance by bi monthly and yearly appraisals
Monthly reporting of facts and figures to management
Degree in Business Administration / Finance / Accounting
Knowledge of Finance & Accounting administration processes and policies in the Middle East
Experience in Finance within hospitality or customer service related industry (Hotel operation background highly regarded)
Previous experience in a similar role is highly regarded
High level of written and verbal business English
Knowledge of Opera, Micros, Microsoft Dynamics SL (Solomon), Sun, Adaco

232

Credit Manager Resume Examples & Samples

Obtain and analyze financial statements for the entire portfolio of customer
Provide recommendations for the customer’s credit line to the VP of Credit
Telephone calls to customers for collect of past due invoices and reconciliation of their accounts
Financial Statement analysis
Extensive knowledge of SAP and Microsoft Products
Experience in obtain bank & trade references

233

Division Credit Manager Resume Examples & Samples

Approves all business applications, including the review and analysis of trade references, credit reports, d&b reports, and financial statements
Ensures the processing of business applications by the sales centers are completed correctly with all signatures and supporting information per the per company guidelines
Confirms collection calls are being made by the appropriate A/R personnel as needed or directed
Guarantees the A/R personnel is accurately processing and recording in credit notes all contact, attempts to contact and any other pertinent information on a daily basis
Assists in the collection escalation process as indicated in the guideline, including making contact with customers to secure payment
Ensures the NSF policy and guideline is adhered to; including initial calls, letters and involvement of law enforcement if necessary
Develops positive working relationships with customers and sales center personnel
Reviews A/R per standards with the appropriate A/R personnel/Assist Division Credit Manager and communicates to the Branch, Regional, General Manager and Director of Credit as needed and/or directed
Manages realistic credit limits, company exposure, credit term compliance, and completes and/or submits reports and/or correspondence as needed/directed.　　　
Arranges secondary protection (lien/bond rights, guarantees, Letter-of-Credit)
Works with both internal and external customers at sales centers to assure all Accounts Receivables are in sound condition
Manages delinquent customer receivables, negotiates special customer payment plans and participates in development of financial packages
Monitors credit activity including reviews of large accounts, location compliance with credit policies and procedures, lien laws and sales tax laws
Escalates key issues to Corporate Credit Manager as needed
Ensure the department is staffed with knowledgeable, customer service and results oriented employees by making sound hiring/promotion/termination recommendations and by providing training, coaching

234

Credit Manager Resume Examples & Samples

Overall responsibility of Accounts Receivable, Credit & Collection
Supervision of Accounts Receivable staff
Review of group and social function resumes to ensure deposits are received and all departments are aware of billing and/or credit instructions
Review credit applications for future groups and social events and perform credit checks to ensure the least amount of risk for the Hotel
Ensure invoices are sent in a timely manner, audit invoices for accuracy and follow up on payment
Maintain relationships with owners, wholesalers and group contacts to ensure any discrepancies are resolved in a speedy and efficient manner
Handle and resolve guest and credit card disputes
Balance credit card accounts
Mediate between Operations, Sales and Catering to ensure no potential losses are created
Conduct and chair monthly Credit Meetings with pertinent managers to review current state of outstanding receivables
Review Accounts Receivable aging on an ongoing basis and recommend ‘best course of action’ to Financial Controller and General Manager
Prepare monthly reports with regards to Accounts Receivable, Credit & Collection
Assist in the creation, implementation and enforcement of all credit policies
Attend department meetings
Other duties and responsibilities may be assigned. The employee is expected to work in other areas of the hotel when needed to assist operations to perform job duties not necessarily contained in this job description
Health Benefits (Health & Dental Insurance)
401(k) Retirement Plan
Vacation
Sonesta Hotels & Other Outlets Discounts
Paid Holidays
Sick Days
Educational Assistance
Employee Recognition Programs
Newborn & Adopted Child Leave
Spousal & Domestic Partner Leave
Life Insurance
Short Term Disability
Long term Disability
Employee Referral Program
Credit Union
Direct Deposit
Employee Activities & Events

235

Credit Manager Resume Examples & Samples

Process credit applications within 5 -10 working days, ensuring that clients are notified promptly and professionally
The credit worthiness of all applicants is formally checked and approval must be received from the Financial Controller
Review the credit worthiness of all existing approved clients on a yearly basis
Ensure all invoices / statements are issued on a timely basis
Monitor the prompt follow-up of all overdue accounts and minimize the recovery delay
Implement effective inquiry response procedure for guests and management
Ensure all travel agent commissions are timely processed and paid
Report on monthly accounts receivable ageing analysis and detailed accounts’ ledgers
Conduct credit meetings at least once a month
Attend Credit Managers meetings to keep up to date knowledge of credit risks
Appropriately manage all delinquent accounts, liaising with debt collectors where needed
Review and recommend accounts to be written off, providing appropriate documentation
Inform the Front Office Manager of any deviations from policy
Ensure guest refunds are processed in a timely manner as per the hotel policy; with all supporting paperwork and required authorizations

236

Area Credit Manager Resume Examples & Samples

1) To recommend / approve credit applications in line with approved policies / processes after highlighting / mitigating all significant risks
3) To have a sound knowledge of the market in terms of risks associated with this product and prevalent market practices in the area of operation
4) To apply knowledge of RBI Regulations/ MAS Guidelines that govern credit dispensation
6) To manage and supervise and provide guidance to the vendor agencies to make sure that the quality of work done by vendors for bank is always upto the mark
Approve / Recommend Mortgage ( LAP) & Housing loan applications
Portfolio monitoring / tracking & escalation of adverse new events in the portfolio of region / area
Ensure meticulous compliance with Bank’s internal credit policy as well as regulatory guidelines
Ensure proper guidance / support to the team of relationship managers
2) Good knowledge of credit evaluation methods, tools & techniques

237

Area Credit Manager Mortgages Resume Examples & Samples

2) To keep track of portfolio and delinquency levels and ensuring that requisite follow up is being done to ensure that overdues are regularised in a time bound manner and the portfolio quality is maintained
5) To have a working knowledge of the general Legal framework in which the bank operates in India and apply the same
To manage and supervise and provide guidance to the vendor agencies to get the desired and quality output
To understand and implement the regional / area level legal and technical processes and make sure that the operational risks involved in documentation and procedures are adequately mitigated
3) Good interpersonal skills
4) Good knowledge of the industry
3) Sound understanding of regulatory guidelines on credit issued by RBI (local regulations in India), MAS and local laws and regulations that impact businesses in general
4) Knowledge of various banking products and risks associated with them

238

Credit Manager Resume Examples & Samples

Management of a high-volume and fast paced credit team spread across a variety of shifts including standard business hours, late shifts, and weekend shifts
Ensuring SLA's are met, monitoring and driving staff individual performance and ensuring KPI's are met
A leader of leaders, you will ensure the talented cohort of Credit Team Leaders, are receiving regular feedback and coaching and professional/technical training to the broader team of analysts
Ensuring the broader team of credit analysts are also receiving daily coaching, communication and access to training and development opportunities
Building and maintaining a strong and positive team culture and morale in keeping with the Macquarie Group values
Overall responsibility for the weekend credit team, and being available to respond to ad-hoc issues as they arise during weekends (via phone)
Hold a credit delegation and a strong understanding of lending compliance legislation such as Anti-Money Laundering, National Credit Principals, and other responsible lending concepts
Drive the team to achieve sound credit decisioning outcomes, balanced with the need to deliver a high quality of customer service results
Ad hoc project management/involvement with Macquarie Leasing initiatives
Managing teams within a Commercial Banking or Asset Finance related division
Credit risk management experience
NCCP Responsible lending knowledge and experience
Successful track record in developing others through guidance, feedback and mentoring
Passion for training and development of team members
A constructive and enthusiastic team member
Ability to travel interstate from time to time, to visit peers in Melbourne, as well as representing Macquarie to our dealership customers around Australia

239

Credit Manager Resume Examples & Samples

Management of a high-volume and fast paced credit team spread across a variety of shifts including standard business hours, early and late shifts to suit the business’ application submission trends
Credit risk management experience (including exercising a commercial and consumer product credit delegation)
Applied understanding of accounting concepts and financial statement analysis
Good working knowledge of commercial plant and equipment including yellow goods and other income generating assets, as well as both low and high value motor vehicle assets
An understanding of fraud prevention in a high-volume, business-to-business environment
Ability to travel interstate from time to time, to visit peers located in our Melbourne office, as well as representing Macquarie to our national customer base across Australia

240

CRA Credit Manager Resume Examples & Samples

The CRA Credit Manager will be responsible to assist in producing new CD loans and investments
Assist in identification, structuring, performing due diligence, underwriting and closing CD loans and investments, including meeting with potential counterparties
Prepare requests for approval at the direction of CRA Senior Credit Managers, for review with the Chief Risk Officer and CRA Officer prior to presentation to CRA Credit and Investment Subcommittee
Work with the CRA Senior Credit Managers and legal counsel (internal and external) to assure appropriate documentation of transactions
Work with CRA Team on risk mitigation and ongoing performance monitoring of the Bank's CRA Portfolio, including loan and investment monitoring, annual review and update of risk ratings
Prepare and present to both Management and Board CRA Committees as needed
Participate in Ally Bank's community outreach programs, including leadership positions with non-profit organizations, to contribute to the Bank's CD service hour requirements
Assist with ongoing CRA needs assessment
Assist in CRA Program Quality Control, Quality Assurance and Data Integrity as needed
Education level: Bachelors' degree in business or related major -- MBA preferred
A minimum of 7+ years of credit, banking or CRA experience
Previous experience working with banking regulatory agencies
Proficiency in MS applications (Word, Excel, PowerPoint, Outlook)
Strong credit underwriting skills
Well-developed analytical and problem-solving skills and experience
Ability to communicate (in all forms) at a senior level
Strong organizational skills; ability to prioritize and work in a fast-paced environment
Ability to work both independently and cooperatively on project teams
Ability to influence others and initiate change
Willingness to be flexible and take on new assignments as directed

241

NCC Credit Manager Resume Examples & Samples

Analyzes applications for credit terms, requesting appropriate additional information, when necessary
Establishes credit limits for accounts; extends credit to customers in accordance with sound credit policy
Formulates and applies adequate credit controls as means of managing and regulating credit procedures and operations in conformity with company policy, direction from Executive Management, and applicable law; takes remedial action as required
Represents the company in legal and bankruptcy proceedings, creditor meetings, outside collections agencies, and on-location collection visit
Trains designated staff; interprets credit policies, and provides instruction in credit communication, policy and procedures to new staff
Excellent Analytic, Research, Written and Verbal Communication Skills
Solid Familiarity with all State and Federal Alcoholic Beverage Laws and Regulations
Strong Experience in Bankruptcy, Legal Collection, & Commercial Credit Documentation
Minimum of 3 years’ experience managing exempt employees

242

Credit Manager Resume Examples & Samples

Prepare and present financial reviews for extension of credit requiring Vice President, Treasury and Risk Management approval
Manage quarterly and annual audits with internal and external auditors
Maintain all process and procedure documentation in response to changing business conditions, ERP implementation and internal control requirements on new business acquisitions
Execute SOX compliance related to accounting and reporting for role related processes
Manage all department reporting to Senior management
Interact with Senior Executives of major customers and distributors on credit and collection matters
Interact with the commercial sales and contracts and negotiations functions on credit terms and risk assessment
Serve as the main contact for major bankruptcies and litigation
Lead monthly global A/R reviews with Senior Management
Provide outstanding customer service to our internal and external customers while maintaining financial systems of high integrity, ethical conduct and compliance with Company policies, procedures and internal controls
Hold Quarterly Credit reviews for major accounts with regional Sales/Business Teams
Develop Annual Credit plan with Sales team supporting revenue plans and customer focus. Highlighting the associate risk and reserve levels required
Manage corporate credit and collections outsource team based in Manila

243

Credit Manager Resume Examples & Samples

Serve as the credit focal point for assigned classes of business in the East
Assess the credit worthiness of new and existing customers
Engage the business on tradeoffs between credit risk and value to be derived from credit exposure
Participate in contract negotiations, propose options to mitigate risk
Work with business on alternatives when credit requirement exceeds customer’s financial capacity and/or collateral value
Monitor customers for signs of financial distress and deterioration in financial condition
Provide analysis of credit performance through appropriate management information, suggest solutions for improvement
Gather and analyze intelligence on competitors, markets, industries and the wider economic environment and the implications on credit risk of customers
Coordinate and lead the Operational Credit Committees with the different business supported
Provide advice on governance/internal control/accounting policies with regards to credit activities
Provide general credit training and order-to-cash process training to the various stakeholder groups as appropriate

244

Credit Manager Resume Examples & Samples

Assessing and analysing client requests and proposing appropriate products and credit structures that meet the needs of the client and make effective use of capital
Developing highly thought out, accurate, concise, top quality credit analysis and solutions, with the view to obtaining credit approval from credit risk
Leading and developing a number of direct reports, including overseeing workflow management, running meetings, having regular one-to-one catch ups and performance coaching conversations
Being a point of contact for deal structuring purposes for internal and external clients
Preparing credit proposals for recommendations and presenting these directly to relevant stakeholders
Creating and verifying customer grading and severity, ensuring the optimal use of financial modelling
Knowledge of Barclays products and services frequently used by our clients
In depth business awareness and industry/country awareness
Working knowledge of pricing policies and strategies
Knowledge of syndications and debt capital markets
A full understanding of the lending end-to-end process in Corporate Banking, including case submissions, fit to lend conditions, post sanction fulfilment and monitoring and control activities
Detailed knowledge of Zeus and other bank credit systems

245

Credit Manager Resume Examples & Samples

Investigation and approval of credit history for guests & businesses that seek to maintain credit facilities
Following up on all current and overdue accounts whilst maintaining the Debtors Ledger to an appropriate level of collectivity
Supervision, reconciliation & preparation of statements of accounts
Validating travel agent commission payments in Onyx
Full time commitment of 38 hours per week
A great team player
Exceptional organisational & time management skills that compliment an extremely busy hotel
Previous hotel experience would be considered highly desirable

246

Senior LOB Credit Manager Resume Examples & Samples

Work as independent review function of ALLL activities and controls (1st line of defense) both in quarterly production and ongoing process/design implementation
Assist in redesign and development of a sustainable reserving process (including policy & procedures, documentation, controls oversight)
Partner with Project Management, ALLL Manager, Treasury and other key counterparts in the development of a CECL solution
Support Credit Risk analytics and projects are needed

247

Credit Manager Resume Examples & Samples

Perform the credit & financial assessment for customers (includes country analysis) and makes credit management decisions according to internal SOPs
Properly document credit analysis. Propose solutions to CM specific issues arising from the countries
Monitor and recover account receivables. Maintain and constantly update the Customer credit information and risk mitigation instruments and Country Credit Limits in SAP
Perform monthly reporting activities, including reporting to NPhS management Conduct and manage monthly credit management calls with clients Implement adequate risk mitigation tools such as credit insurance, bank guarantees or letter of credits Conduct workshops on credit management
Review distribution agreements and provide feedback on payment terms,
Handle bank guarantees and ensure appropriate wording, establish and keep good relations with international banks,
Conduct yearly review of country credit limits
Keep CPOs on track regarding A/R outstandings and overdues and challenge them on collection activities incl. regular follow-ups on A/R situation
Keeps the Credit Management NFCM related controls documentation up to date (for the whole CM department)
Be the SAP back up super user
Lead various projects that have impact on internal control compliance, risk management or sales growth

248

Credit Manager Resume Examples & Samples

Demonstrated ability to interact with customers, employees and third parties that reflects highly on the hotel, the brand and the Company
Proficient in the use of Microsoft Office
Problem solving, reasoning, motivating, organizational and training abilities
Good writing skills

249

Credit Manager Resume Examples & Samples

A bachelor’s degree in business, preferably finance, accounting or economics
Minimum of 5 years of credit experience, preferably in the construction field
Advanced computer skills including Microsoft products, specifically Access, Excel and Word
Track record of successful credit experience, especially in regards to handling delinquent accounts due to financial distress or slow payment behavior, communicating credit decisions to all affected parties, and resolving customer disputes
Excellent written, verbal, and presentation skills
Personal characteristics necessary to work successfully with customers and professional sales staff
Determine amount and terms of credit for current and prospective accounts after analysis of all available information including, but not limited to, financial statements and ratio analysis, trade credit reports, bank and trade references, public and private inquiries, and conversations with key personnel associated with the respective accounts
Initial review of customer contracts in regards to payment terms, potential liability, insurance, and alignment to AWC company contract policy and risk tolerance. Originate any necessary addendum and present to Corporate Credit Manager for review and approval
Monitor and review credit applications, analyze credit information and approve accounts up to $50,000. Make recommendations on credit lines in excess of $50,000 to the Corporate Credit Manager
Coordinate the accounts receivables and credit processes to ensure timely collection of the Builder Direct accounts by following-up on invoices, and resolving customer disputes to ensure payment
Review the aging of receivables and take action to collect outstanding debt by ensuring that AWC is following the customer’s internal invoice/payment match procedures and resolve any disputed issues
Analyze the contents of the accounts receivable aging, and work with team members to identify uncollectible items, and present to Credit Manager for review and disposition
Perform account reconciliations and prepare periodic accounts receivable reports for management’s review
Communicate the company’s position regarding all accounts receivable issues with level-to-level contacts. These issues include past due invoices, unauthorized deductions, post audit claims, and all disputed items
Ability to direct, motivate, and train team members in a respectful and positive manner
Perform research for special projects as assigned
Adhere to the company culture and corporate initiatives to achieve goals

250

Credit Manager Resume Examples & Samples

Responsibilities
Management of credit risks for Key Accounts, Field Accounts, Buying Groups and Promotion Customers. Supervision of major accounts requiring individual attention, marginal accounts, problem accounts, special credit arrangements, and deviations from standards
Establishes and monitor credit lines and risk categories for customers in accordance with established company policy and terms and makes all credit arrangements necessary. Performs credit investigations for new customers and determines a credit rating
Dealing with the cash collection across the European markets. Collaboration with the internal stakeholders with the aim of debts reduction
Handle the credit blocks and release on daily basis according the established credit policy. Improve the debtor day position through improved cash collection techniques, by enforcing payment terms and ensuring customers pay on time)
Develop excellent working relationships with customers and third-parties service providers (as lawyers, collection agencies and insolvency administrators) and internally with key departments, in particular Sales, Customer Service, Operations and IT
Provide regular reporting and forecast on the development of bad debts, open items and DSO at customer level
Customers’ credit notes handling. Resolving invoice discrepancies and any pricing or rebate issues which impact on the sales ledger or on the collection of invoiced debt
Manage ad hoc projects, working with other departments to improve efficiency in customer service, company profitability, etc
Develop policies, systems, processes, reports and opportunities to improve efficiency and internal control of debtors ledger and all related activities
Proactively develop new collection techniques
Support in the annual report audit

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