Credit Resume Samples

The Guide To Resume Tailoring

Guide the recruiter to the conclusion that you are the best candidate for the credit job. It’s actually very simple. Tailor your resume by picking relevant responsibilities from the examples below and then add your accomplishments. This way, you can position yourself in the best way to get hired.

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O Rippin

Otho

Rippin

3305 Reinhold Ports

Houston

+1 (555) 684 9634

3305 Reinhold Ports

Houston

Phone

p +1 (555) 684 9634

Experience Experience

New York, NY

Credit

New York, NY

Murazik, Hermiston and Christiansen

New York, NY

Credit

Working closely with of an offshore team of developers
Assists management in the formulation of credit policies and internal controls
Develops management reporting
Assist with assignments as directed by management
Keep work areas clean, organized, and clear of obstacles, supplies, and equipment
Assist customers responding to store event invitations and other marketing related activities
Demonstrate working material handling equipment knowledge of operation

San Francisco, CA

Credit Union

San Francisco, CA

Morissette Group

San Francisco, CA

Credit Union

Consistently meeting established performance standards, service standards and sales goals
Consistently meet/exceed established performance standards and sales goals set by USC Credit Union
Administers ATM programs, ATM Cash management and vendor management
Maintain working knowledge of system, updates and make recommendations on modifications to ensure efficient operation
Assists in developing support materials for specific member activities
Provide counseling on repayment options including payment arrangement and/or loan workout/loan modification
Using credit scoring, sound lending practices and solid judgment to make lending recommendations or decisions

present

Dallas, TX

Credit Collector

Dallas, TX

Beatty, Gutmann and Keebler

present

Dallas, TX

Credit Collector

present

Assist Manager’s and Outside Sales associates with credit issues (particularly resolution of past due balances)
Keep management informed of developments within area of responsibility
Effectively cooperate with Market Managers in order to establish a strong Expedia Inc. Team
Identify process improvements and guide the test & learn to initiate, monitor, report and follow-up on improvements
Work well with other departments within the organization and maintaining strong relationship with internal and external business partners
Full working proficiency in Arabic and English
Recommend to Market Credit Manager decisions on new applications

Education Education

Bachelor’s Degree in Business

University of California, Santa Barbara

Bachelor’s Degree in Business

Skills Skills

Solid knowledge of Excel. VBA programming knowledge is an advantage
Ability to handle a high volume of calls with detail and accuracy while delivering an excellent customer experience
Working knowledge of Microsoft Office with a beginning level of proficiency in Outlook, Word, and Excel
Good understanding of financial markets and products and ability to learn new products
Strong core Java
Fixed Income business / analytical knowledge
Computer skills with proficiency in Excel and Microsoft Office
Excellent verbal and written communication skills
Able to establish and maintain cooperative and positive working relationships with employees, customers, and vendors
Ability to work independently and perform preventative maintenance according to established schedule

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Credit Liaison Resume Examples & Samples

Process restricted security transactions and determine applicable regulations
Communicate information regarding transactions to branch personnel, attorneys and respective companies
Document information on spreadsheets and databases; communicate restricted security margin requests
Act as liaison between outside vendors (Equifax, MIS and others), and Branch personnel
Monitor/file documentation for all new accounts and restrict accounts as necessary
Assist in the processing of accounts for Raymond James Credit Corporation
Assist with Client Identification Program (CIP)
Process cashless stock option transactions and the pledging of accounts for clients
Process the market watch for stocks down more than 20% in a trading day
Company policies, procedures, practices, products and services
Principles, practices, and procedures of general office and departmental concepts
Basic concepts, principles and practices of excellent customer service
Operating standard office equipments and using required software applications, including Microsoft Office applications (Word, Excel, Outlook and Access) sufficient to create documents, spreadsheets, and business correspondence
Organizational and time management skills sufficient to prioritize workload, handle multiple tasks, and meet deadlines
Mathematical abilities sufficient to process and balance daily business transactions
Written and verbal communication skills sufficient to interact effectively with external and internal clients
Communicate information orally and written in a clear and effective manner sufficient to interact with internal associates and external contacts at all levels
Research and resolve problems in a timely manner
Attend to detail
Work in a fast-paced environment with frequent interruptions and changing priorities

Gwm-credit Product & Platform Resume Examples & Samples

Project planning and analysis – including detailed project plans, documenting scope and business requirements, detailing issues & problems; drafting business and technical data flows
Partner with Technology Project Manager to guide project team and ensure all business deliverables and tasks are completed
Design and implement solutions, including re-engineering of existing processes and/or business applications; introduction of new processes or toolsets
Present recommendations in a business-friendly way that identifies any issues, details business/client impact, and builds a business case and consensus for implementation
Facilitate project meetings; Create materials to be used for presentation at working group and senior management meetings
Data analysis – including the collection of data from various sources, synthesizing the information, performing analysis, interpreting results and making recommendations
Define user acceptance test plans and test cases. Coordinate and execute user acceptance testing. Responsible for understanding results and providing sufficient information to senior management to enable signoff on a deliverable
Partner with Training and Communications teams to develop change management/training plans and appropriate communications relative to project delivery, and conduct training as needed
Minimum five years of relevant work experience in the financial services industry. Knowledge of the Credit business is a plus
Previous project management/business analyst experience a must
Experience in creating work/data flows
Excellent analytical, problem solving and time management skills
Demonstrated strong problem solving and decision making skills. Candidate must identify issues, seek solutions and gain consensus regarding outcome
Team player and adaptable to changing environment, with good interpersonal skills
Proficient in Microsoft products-Word, Excel, Project, PowerPoint and Visio
Ability to perform in a high pressure and fast paced environment

Gficc Multi Credit Product CPM, ED / MD Resume Examples & Samples

Lead new product process - Serve as Senior Sponsor and Market/Product expert in coordination with Product Development, Marketing, and Portfolio Management
Win new business - Internal and external marketing, Request for Proposals (RFPs), new business pitches, consultant meetings, strong partnership with Distribution channels
Product management - Thorough knowledge of relevant products, processes and strategies, develop and maintain marketing materials, RFP language, training other CPMs to sell specific products, designing appropriate fund ranges, knowing the marketplace and competitors
Managing existing client portfolios - Ensure that portfolios are managed in the best interests of the client, working with Client Advisors, Client Account Management, the alpha Portfolio Managers and other teams to manage and retain the portfolio
Global coordination – Work with regional teams to ensure appropriate communication of changes to strategies, new product initiatives, and portfolio positioning
Risk Management – Coordinate with risk, transition manager, and advisors to ensure appropriate onboarding, mandates, client set-up, and ongoing risk monitoring

CIB Credit QR VP Resume Examples & Samples

Development and support of bond analytics in C++ class library
Provide relative value analysis and investigate trading opportunities
Integration of C++ pricing library using Python in our risk system, Athena
Software design and software processes around both development and release
Development and support of risk reports for both trading and regulatory purposes
Working closely with technology and other quantitative teams on shared code
Strong interest in programming and design, including Object Oriented programming with excellent knowledge of C++. In addition, experience with Python would be a plus
Experience of delivering solutions on both Windows and Linux platforms
Ability to work in a high-pressure environment
Pro-active attitude and excellent communication skills. Should have the ability to improve software development processes and mentor junior members
Knowledge of mathematical and financial modeling techniques

Cib-gem Credit Etrading Dev-VP Resume Examples & Samples

2 Year applied development experience with Java & C
1 Year working with FIX API’s, ION, RMDS and general market connectivity/messaging
Educated to BSc Degree level or higher in a Computer Science or similar subject
Experience in database design, architecture and optimization techniques
Extensive FI product knowledge. Emerging Markets experience is beneficial
Past experience with Time Series Data, MIS infrastructure and Quantitative theory
Strong understanding of the eCommerce environment, key concepts and foundations
Experience with .NET and Python would be a plus
Experience working with FO Quant’s, Traders, Business Managers and cross LOB teams
Strong understanding of object oriented program languages and relational databases
Experience with Timer Series data and Algo development
Solid Business/technical analysis experience in a financial environment
Strong interpersonal communication, organizational and project management skills
Experience with client-facing portals and trading applications
Solid design, debugging and testing skills

Credit Modeling Manager Resume Examples & Samples

Conduct portfolio and transaction analysis to develop models to reduce credit line exposure and prevent loss
Conduct analysis and data mining to the credit portfolio and accompanying data bases in order to surface key trends related to risks in the portfolio
Perform ad hoc analysis as needed to understand portfolio dynamics
Build predictive models, decision systems, and forecasts using SAS

Credit Athena Developer Resume Examples & Samples

6 years experience in investment banking as an application developer or quant developer
Well versed with OO concepts and thorough understanding of various design patterns
Experience in OO languages like Python, C , .NET etc
Experience in RDBMS, SQL etc
Experience in real time market data systems like Reuters/Bloomberg etc
Mindset to own and deliver as an individual contributor
Good understanding of financial derivatives pricing and risk
Good Understanding of Agile development methodologies
Understanding of credit derivatives products and markets
Front Office experience of working with Traders will be a plus
Strong academic pedigree – premier institutes in India or abroad
Experience in reactive programming will be a plus
Experience in FO risk reporting frameworks or Big Data systems
1 year experience in Python

Morgan Stanley Bank N.A Credit Resume Examples & Samples

Allowance for Credit Losses (“ACL”): Oversee quarterly calculations and analysis for Firm and Bank ACL; prepare ACL presentations for various internal and external constituents; act as ACL Governance Committee secretary
Investment Portfolio: Prepare quarterly Other Than Temporarily Impaired (“OTTI”) assessment of securities in a loss position within the Investment Portfolio
MSBNA Credit Committee: Prepare materials for monthly meetings; act as secretary for the committee
Corporate Loan Strategy (“CLS”) Credit Committee: Coordinate credit materials for weekly CLS Credit Committee; act as secretary for the committee
Regulatory and Management Oversight: Coordinate materials and agenda topics for monthly meetings with regulators as well as monthly materials for Management Committee and Board; coordinate responses to issues raised by, and information requests from, Internal Audit, Compliance and external auditors
Policy: Work with Credit Policy team on policy/procedure development, updates and revisions
Bachelor degree in Finance, Accounting, Economics or a quantitative field preferred; advanced degree not required but considered a plus
3 to 6 years of relevant work experience
Fundamental credit training or relevant work experience

Credit Resume Examples & Samples

Strong core Java
Working knowledge of Scala
Data structures, design patterns and collections
Multi-threaded programming
Reactive Programming
Java performance and tuning
Unix/Linux shell
Distributed architectures
Distributed caching
Fixed Income business / analytical knowledge
Etrading process / connectivity knowledge
Eclipse/Perforce

Credit Capital Resume Examples & Samples

6+ years work experience in financial industry
Quantitative background required (e.g. mathematical finance, engineering, economics, etc.)
Databases and programming experience – SQL, Access, VBA etc. required
Strong communication skill required
Understanding of credit risk/market risk required
Understanding of OTC exposure simulation required
Understanding of lending products required
Work experience in Basel capital calculation and methodology development required

Credit Portfolio Solutions Resume Examples & Samples

Helps determine the credit, funding and capital implications/pricing for credit intensive, or complex, bilateral derivative transactions. This ensures proper handoff to the Credit Portfolio Group (CPG) or to the various self-insured trading desks for ongoing management of these risks
Looks proactively at how to structure those transactions to enable a sensible risk/reward evaluation of them by Credit and Client Executives
Evaluates the risks and sizing of independent amounts for trades facing JPMorgan’s hedge fund client base and
Develops margin methodologies and performs analysis of new portfolios for F&O and OTC clearing. With respect of the F&O business, CPS is also responsible for overseeing the approval for the detailed set of product or contract based trading limits proposed by the business for a client
Aids in assessing the risk presented by relationships with Central Counterparties by evaluating the adequacy of their risk management methodologies
Covers exposure analysis on traditional credit products (repos, loans etc.) and the helps with the optimization of collateral arrangements

Client Development Global Credit Markets Resume Examples & Samples

Surfacing and addressing key areas of opportunity across the global Credit franchise through (1) ongoing communication with Sales & Trading management, (2) direct interaction with clients when necessary/appropriate to evaluate Citi’s performance, and (3) evaluation of third-party data
Identifying new business opportunities
Making recommendations to the senior Sales & Trading managers within Credit with respect to offering differentiated levels of client service based on client-tiering within the product
Thoughtful preparation of client briefings for senior Sales & Trading management, including background discussions with sales coverage, traders, research and syndicate ahead of meetings
Minimum of 5 years’ experience within financial services, preferably with some exposure to Credit
Excellent interpersonal skills and the ability to communicate clearly and efficiently
Detailed oriented, ability to prioritize and multi-task, excellent organizational skills
Familiarity with Credit market segments and terminology
General knowledge of the Credit client base
Intellectual curiosity and a willingness to suggest new ideas and make bold recommendations
Excellent Excel and Powerpoint capabilities

SVP, Regional Credit Director Resume Examples & Samples

Manage credit objectives at region and district level - communicate results and best practices
Partner with Regional THD management to develop and execute tactics that will facilitate the achievement of the THD credit goals, i.e. credit sales, new accounts, penetration, etc
Manage a staff of 4 to 10 Store Credit Managers, including interviewing and hiring, salary adjustments and promotions. Provide all field representatives with proper training, coaching and career development. Coordinate The
Home Depot Field Support Manager goals, responsibilities, and monitor results
Develop and implement a store coverage strategy that will meet the THD guidelines
Responsible for field execution of credit initiatives and achievement of established goals
Accountable for achievement of regional credit goals and objectives, i.e. sales, new accounts, associate development, etc
Collect and communicate market intelligence around best practices, customer feedback and market competition in assigned region
Develop and manage cost center budgets and expenses
Develop and maintain relationships with THD associates and customers
Responsible for timely response and resolution to escalated credit issues and concerns
Facilitate business development opportunities within the region
Bachelor's degree in Business
Master's Degree preferable
5 years in a managerial role within sales/credit field
5-7 Credit experience & underwriting is required
Prior field sales and/or client development experience
Must be highly self motivated
Ability to multi-task in a high paced environment
Strong leadership abilities working with various levels of management
Demonstrated employee development and mentoring skills
Strong strategic development & planning abilities

Specialty Credit Team Leader Resume Examples & Samples

Evaluate work performed by staff on a periodic basis to ensure compliance with all policies, procedures and audit standards. Modify procedures and train staff as needed. Recommend credit authority levels for Credit Center staff and evaluate their credit performance annually
Guide and Coach team in evaluation and decision for Healthcare Practice, SBA, EXIM, and other Specialty Business loan requests using a thorough knowledge of the respective credit policy, underwriting guidelines, and procedures. Develop and coach credit and sales staffs to build credit bench strength
Analyze various industries and have a thorough knowledge of the risks associated with those industries and the respective government programs and Specialty loan decision process. Provide thorough, objective analysis of the financial condition and credit worthiness of borrowers and individuals in the Healthcare Industry, as well as analysis of prevailing industry and market conditions
Support team in effectively communicating with all bank customers, borrowers, and guarantors. Diplomatically implement loan structure, terms and conditions with regard to a variety of loan and borrower situations
Develop and implement effective reporting tools that keep direct reports and superiors informed of goal progress and budget management
Advise and consult with senior credit and business management to formulate new credit policies, products and programs to accommodate our customer base, and to address competitive, economic and other relevant factors
Support colleagues in sales, credit, and loan operations roles with adhering to processing and documentation guidelines for Healthcare Practice, SBA and EXIM loan requests
Meet performance targets and service level goals outlined in established service level agreements. Manage the credit application pipeline to deliver timely and sound credit decisions
Interface with both internal and external auditors during on-going monitoring programs and periodic reviews
Manage projects as needed
The ideal candidate should have a minimum of 7 years commercial lending experience, and minimum of 4 year’s lending experience in SBA and/or EXIM
A minimum of 2 years management experience
Must have a Bachelor’s degree in Finance, Accounting and/or Business. An MBA or an advanced degree is preferred
Must have formal commercial credit training as well as SBA/EXIM training and certification
Strong ability to assess risk, weigh options and make decisions
Thorough understanding of Credit Policy and underwriting guidelines
Exhibit thorough knowledge of policies and procedures, fair lending issues, rules, and various regulations
Strong working knowledge of computer systems associated with application processing, underwriting, deposit and loan accounting, internally developed databases, imaging and PC software
Knowledge of loan documentation and state and federal legal issues
The ability to balance risk management with revenue growth
The ability to identify current risks and to anticipate potential risks through the exercise of strong analytic skills
Thorough knowledge of collateral types, values, and recovery techniques
Thorough knowledge of industries and inherent risks associated with those industries
Strong leadership skills. Proven ability to effectively manage small to large groups in a production environment and to promote a team-oriented atmosphere
Knowledge of collection and fraud activities and ability to design and implement processes that effectively identify, monitor, and manage them
Strong relationship building, oral and written communication, problem solving and analytical skills
Consistent exercise of discretion and judgment in handling staffing matters, addressing escalations, communicating with Senior Management, and executing exception credit approval authority
Requires an extensive knowledge of Healthcare Practice, SBA and EXIM credit policy and procedures and the ability to train and coach staff in the application of these procedures
Requires the ability to focus on business level objectives with strong leadership and communication skills

Latam Credit Sector Specialist Resume Examples & Samples

Bachelor Degree in Business or relate field (Finance / Accounting preferred)
CFA or MBA strongly preferred
5+ years of experience as a corporate credit market analyst working on the Emerging Market Credit Trading Desk
High level of proficiency analyzing financial statements, studying business plans, interacting with senior management of companies, as well as making buy/sell/hold recommendations to traders
Strong written and oral communication
Self-starter with ability to handle the dynamic challenges of the trading desk environment
Must have a strong sense of urgency
Proficiency in Spanish or Portuguese is helpful, but not required

Structured Credit Transaction Manager Resume Examples & Samples

Minimum 5 – 7 years professional experience in a credit role (securities financing, corporate lending)
Any master programs in finance or accounting will be beneficial (CPA, CFA, domestic banking diploma)
Good knowledge of capital markets in Asia-Pacific
Team player and excellent communicator
Strong interpersonal skills to establish trustworthy relationships with client advisers and senior management
Fluent in both verbal and written English skills

VP Wholesale Credit Approval Resume Examples & Samples

Credit analysis and evaluation of the client’s business model, financial performance, management, industry (including micro/macro economic factors) and forecasted business plans
Assure compliance with Bank Credit Policy and risk appetite guidelines as well as adherence to all Regulatory requirements
Ability to effectively evaluate risk and arrive at prudent credit decisions when faced with complex corporate and lending structures (including across both domestic and multinational jurisdictions)
Must be able to make autonomous, prudent credit decisions under tight time deadlines
Maintain a collaborative relationship with the business units to achieve growth goals and maintain credit quality
Demonstrate “Courageous Integrity” at all times, taking responsibility to escalate issues so as to ensure the Company maintains the highest standards for Compliance and Risk Management
The position has credit approval responsibility for several units within the Corporate Banking MME business
The position has up to US$25MM total related credit (TRC) authority (new and transactional) and up to $50MM TRC for reviews and renewals of exposure. The position acts autonomously, has complete freedom to act within prescribed authority and exercises prudent judgment based on experience and merits of individual situations
No Direct Reports
Primary responsibility for credit approval within the Corporate Banking MME portfolio
Primary responsibility for supervising credits until they are moved to the Watch List, but in some segments, Approvers manage credits on the Watch List up until the point of full transfer to Special Credits Unit. This often involves leading and guiding complex negotiations with Customers experiencing serious financial difficulty, with Bank exposures typically in the range of $5-35MM per Customer
Provide Cross border endorsements/No Objections for Home country clients expanding into global jurisdictions
In depth knowledge of Company Credit Policy and Group FIM
8-15 years in senior lending and credit positions; counter-parts in CMB are VPs/SVPs
Strong analytical, planning, mathematical, problem-solving, communications, financial, technical, interpersonal and diplomatic skills

Senior Manager, Wholesale Credit Methodology Resume Examples & Samples

Corporate/Commercial Business
Corporate/Commercial Credit
Capital Management
Independent Vetting
Technology and Solutions
5 years of experience in corporate/commercialcredit and securitization risk modelling and methodologies
Working level business knowledge of corporate/commercial lending and securitization processes and products
Competence in working with databases, statistical and programming tools such as SAS, MATLAB
Ability to meet deadlines and manage priorities
Ability to lead a team, coach, and develop subordinates

Credit Suppt Assoc Resume Examples & Samples

This position can be filled as Credit Support Associate II or Credit Support Associate I **Qualifications
Efficient organizational skills, time management and close attention to detail a must
Can effectively collaborate/negotiate with business partners and assigned team to foster solid partnerships, teamwork, creditability and trust
Adaptability to continuous learning and process changes
Self starter, able to work independently
Microsoft-based computer applications (Word, Excel, etc.)
Familiar with financial statements as it relates to the approval of commercial loans
Familiar with interpretation of legal documentation in support of commercial loans
BA degree required (Accounting, Finance or similar)

FID, Structured Credit, VP Resume Examples & Samples

Play lead role in European CLO origination and manager relationship development
Play important role in European CLO syndication effort (working with NY-based Global CLO syndication lead)
LI-JV1*
Experienced in current European “2.0” CLO structures and regulatory environment
Possesses existing relationships with (and is known and respected by) the major European CLO managers
Possesses existing relationships with (and is known and respected by) the major European CLO investors
Works well with others and has “team first” mentality
Deep understanding of end-to-end deal structuring process (origination – structuring – syndication) and has demonstrated ability (preferably in “2.0” market) to work with asset managers, deal counsel, rating agencies, investors, accountants, etc

FID, Credit Trade Management, ENO Resume Examples & Samples

Trade capture/validation of a number of financial instruments including CDS, Bonds, CLNs, CLAS, Asset Swaps, CDSwaptions, Equity, Futures, and FX Options
Solid understanding of Credit Derivative markets
Experienced in trade support and trade management processes Solid understanding of Credit Derivative markets
Fluency in a continental European language is desirable; Italian/German/Scandinavian as a preference
Ability to work efficiently and accurately in a highly pressured environment Fluency in a continental European language is desirable; Italian/German/Scandinavian as a preference
Solid team player with exceptional interpersonal skills

Industry Sector Credit Sanctioner Resume Examples & Samples

Recommendation of limits/reviews to higher sanctioning authorities/ committees
Monitoring of allocated portfolio and industries for material developments affecting credit quality and the initiation of appropriate action.This will be based on
Financial risk analysis (balance sheet, P&L and cash flow) of clients including supporting the annual review process
Assessment of management and business risk
Analysis of the credit risk taken by the Barclays Group to customers/industries across a wide range of investment and commercial banking products
Spreadsheet modelling (basic) - Building simple models or stress testing those provided by other financial institutions in support of requests/transactions
Research - Industry sector/client specific pertaining to individual transactions where circumstances warrant i.e. new territory, environmental considerations, and regulatory issues
Attend credit-focused client calls
Attend business committee and uphold a regular dialogue with different stakeholders (Sales, IBD, portfolio management, legal, operations, etc.)
Participate in team and/or department wide initiatives
Honours degree standard or relevant professional qualification
Good commercial experienceworkingwithinCredit, preferably in an international banking environment. Strong candidates with different backgrounds would be considered
Preference will be given to candidates with experience in the Power, Utilities, Infrastructure & PFI and Projects space and/or candidates with strong European language skills
General accounting principles
Cash flow and balance sheet analysis and interpretation
Financial models and modelling techniques
Risk measurement and hedge management techniques
Product knowledge across Corporate Banking, Investment Banking and Wealth
Relevant sector knowledge
Strong communications and presentation skills
IT skills

Credit Collector Resume Examples & Samples

Verify credit references so that applications for credit can be accurately assessed
Gather and compile credit information and maintain credit records so that accounts can be processed accurately
Identify overdue (delinquent) accounts; contact customers regarding outstanding payments and prepare reports on the status of credit and collection activities to minimize outstanding debts
Manage relationships with internal and external customers
Manage orders blocked for credit purposes
High School degree
1 to 4 years working experience in the respective area
IT tools: Excel, SAP

Credit Cards Portfolio Head Resume Examples & Samples

Bachelor's degree required or equivalent; MBA or advanced degree strongly preferred
Extremely strong analytic and program implementation skills required as well as ideally an in depth knowledge of cards business profitability and usage metrics
Proven track record of delivering best in class portfolio matrices such as authorization, spend, activation, targeted campaigns, etc will be highly advantageous
Extensive direct, relevant experience - preferably in credit cards or revolving line products portfolio and product management
Demonstrated ability to synthesize information, prioritize actions, and drive results with a strong sense of urgency and decisiveness
Successful background and experience in Analytics, Segmentation, Targeting and Tracking would be highly advantageous
Strong organizational skills and ability to juggle multiple projects at one time
Knowledge of Citi systems, compliance, internal policies, successful audits and current processes highly advantageous

FID, Credit Trade Management, ENO Resume Examples & Samples

Trade capture/validation of a number of financial instruments including CDS, Bonds, loans, Total Return Swaps, Asset Swaps, Futures, and Options
Generation and reporting of trading risk/PnL to validate daily trading activity
Management and facilitation of all trade lifecycle events – e.g. Credit Events, Clearing, Internal Risk Transfers, Corporate Actions and Succession Events, Compression Cycles
Ownership, investigation and resolution of exceptions/fails/breaks
Liaison with various business partners across the bank
Assisting in the implementation of strategic systems and vendor applications. This will involve User Acceptance Testing, on-boarding/go-live support, and implement controls to minimise Operational risk
Involvement in the implementation of industry and regulatory initiatives through participation in internal working groups and/or external market forums – e.g. Dodd Frank, GTR, CCP Clearing
Regular collation and analysis of data for Management Reporting

Credit Controlling Manager, TR, BG, RO Resume Examples & Samples

Responsible for the daily cash and treasury operations
Cash-flow management
Setting and monitoring credit limits, payment and trade terms for customer accounts
Following up collection process, risk and customer security status
Checking and settling payment process
Preparing management report on a timely basis
Manage relationships with banks, financial institutions, customers, Group headquarter as well as internal departments
Ensuring customer and bank reconciliations are performed regularly
Makes sure that cash and credit control policies are in compliance with Group applications and properly applied

Credit Administration Resume Examples & Samples

Completing all primary responsibilities within the standard time. Comunicating and making the RM’s aware of the urgency and need of complying with all policies and procedures to avoid credit exceptions which may put the loan portfolio at risk
This role requires credit knowledge and experience in order to adhere to internal credit policies and procedures, as well as federal, state and local regulations. This will avoid possible losses, fines and penalties that may be assessed, along with the reputational risk that bank is exposed to
Bachelor Degree in Business Administration, Finance or related field
Credit skills to be able to prepare credit proposals, and required credit documents
Ability to understand/analyze clients’ complex financial statements
Computer skills, i.e. Excel, Word, etc
Excellent communication skills to interact with internal customers in a professional manner
Spanish as a second language would be preferred, due to the regional orientation of Miami IPB clientele
Minimum of 3-5 years experience in banking and credit administration

Credit Origination Resume Examples & Samples

Strong cross organizational and interpersonal skills
Ability to work in small teams and comfortable leading discussions
Existing understanding of market and credit risk frameworks

Credit IT Etrading Resume Examples & Samples

Credit Pricing
The fundamentals of Electronic Trading (knowledge of the ECNs)
Basics of Hedging Interest Rate Products
Rates Front Office Experience
Visual Basic, C#, Winforms, WPF
Tibco Rendezvous or other messaging technologies
Excel Development, Visual Basic for Applications
Knowledge of Microsoft SQL Server / Sybase

Rohq-credit & Portfolio Unit Head Resume Examples & Samples

Set tactical direction, credit evaluation quality, and execution standards for the team in line with regional risk priorities
Coach and mentor Team Leaders(TL) and Analysts to produce high quality analysis with insightful content
The Unit Head also fosters a can-do attitude among the team and provides guidance on soft skills (e.g., influencing, negotiating, managing conflicts)
Manage equitable allocation of workload across industry and geography; the position requires close coordination of workflow requirements with the respective Country Risk Managers and Corporate Bank Heads
Work with TLs to ensure timely and quality risk analysis and assessment for the portfolio covered, which includes annual reviews, interim reviews, classified credit reports and industry analysis; ensure that all analytical work is compliant with Citi’s credit and other policies
Work with TLs to ensure timely problem recognition and classification of corporate obligors through close monitoring of financial and operating performance as well as industry and market developments affecting the credits
Coordinate completion of periodic portfolio reports for Country Risk Managers and Senior Risk Management; manage execution of stress tests and other special projects/needs as defined by Senior Risk Management
Effectively coordinate with country risk managers and business units as well as industry, product and risk counterparts regionally and globally in accomplishing the abovementioned tasks; coordinate with CoEs and Staffers in other regions with a continuous process improvement mindset to identify efficiencies and share/adopt best practices; instill CPI mindset in all team members
Manage formal performance review process for team, including setting and monitoring performance against goals, providing regular feedback and assisting in compensation recommendations; identify developmental opportunities to provide staff growth
Support Team Leaders development of individual and team training plans for each Analyst, which include formal (class) and informal (in-house) delivery methods via partnering with Regional Risk, Training & Development, Business and Product where appropriate; build and sustain team morale
Develop individual and team training plans for TLs, which include formal (class) and informal (in-house) delivery methods via partnering with Regional Risk, Training & Development, Business and Product where appropriate
Play a leading role identification and recruitment of talent from internal and external sources, including local campus recruitment efforts
Accommodate routine needs of Analysts including coordination of compliance and personal leave, managing team expenses within budget, ensuring information sources remain current/relevant, and that technology needs are identified and escalated as appropriate
Educated to degree standard or equivalent
MBA is considered advantageous
A thorough understanding of fundamental credit analysis is required, as well as product experience sufficient to evaluate and prioritize demands of differing complexity/specialization from Business partners
Proven leadership capabilities including strong thought leadership, effective decision making, strategy development and ability to drive results
Ability to manage execution by providing hands-on coaching and development of Analysts, as well as strong desire to help create a high performance winning team
Sound credit skills are essential
Coaching and sharing knowledge
Excellent organizational and communication
Broad understanding of the risk types beyond credit and the impact to the Corporate portfolio

Quality Measurement Rep-credit Cards Resume Examples & Samples

Minimum of two years proven and progressive operational and/or business unit experience or equivalent
High school diploma or equivalent experience; college coursework preferred
Proven analytical, problem-solving, lateral thinking, project management and communications skills
Proficiency with personal computers as well as pertinent mainframe systems and software packages
Knowledge of the processes, systems and procedures within the area supported, as well as external regulations affecting their delivery

Structured Credit Trade Management Resume Examples & Samples

Minimum education to degree level or equivalent Minimum education to degree level or equivalent
Ideally experienced in trade support and trade management processes Solid understanding of Credit Derivative markets
Strong analytical and advanced Excel skills Strong analytical and advanced Excel skills
Demonstrates pro activity, is able to problem solve and adapt to change Solid team player with exceptional interpersonal skills

Credit Market Specialist Resume Examples & Samples

Shaping future product development by providing business managers with actionable feedback on the latest trends, regulations and market practices
Marketing the product by speaking at external events and industry conferences; organizing and delivering seminars, webinars and audio-visual presentations; writing content for Bloomberg on-line and printed publications
Demonstrable expertise and success in the financial industry, with a broad and detailed theoretical knowledge and practical experience in corporate bond market
An extensive network of deep client relationships, and ties to applicable professional organizations, societies and associations
Outstanding presentational skills, with the power to command and hold the attention of both small groups and large audiences
Excellent negotiating and inter-personal skills, with the capacity to influence decisions and deliver results in a timely manner

Credit Market Specialist San Francisco Resume Examples & Samples

Furthering the knowledge of our sales-force by designing and delivering customized training
Formulating responses to queries from prospects, customers, salespeople and our Help Desk
Strong written skills

Credit Services Specialist Resume Examples & Samples

Minimum of 2 to 3 years banking experience preferably with commercial credit services, knowledge of Canadian Banking practices
Excellent interpersonal skills, strong team player and highly service oriented
Strong organizational skills and time management skills to effectively schedule and prioritize activities and requests and ensure service deadlines are met
Strong problem solving skills

O&t-credit Initiation Head Resume Examples & Samples

8-10 years of relevant experience in Consumer Credit Operations
Experience in process automation/process improvement
Organization savvy
Strong customer service orientation

Credit Quant Resume Examples & Samples

Research and implementation of pricing models for credit derivatives, including exotics and hybrids
Documenting and communicating these findings to internal and external clients as necessary
3-7 years of credit modeling, including exotics and hybrids
Hands-on implementation experience (C/C++ required, Python optional) and best practices in software development, including version control, unit and regression testing required
Strong knowledge of mathematical finance and of numerical techniques employed in derivatives pricing models
Strong team-player comfortable in a multi-developer environment with a facility for interacting with quants, IT groups and product managers
Ph.D in a technical discipline (mathematics, finance, physics, engineering or similar field) required

Chinese First Word, Credit / Rates, China Resume Examples & Samples

Bachelor's degree or equivalent experience
Proven credit/rates experience, with broad contacts in the trader, underwriter and investor community
Strong work ethic,team player,ability to work calmly under pressure
Fluency in Mandarin Chinese

Municipals Credit Team-VP Resume Examples & Samples

Bachelor's Degree (BA/BS)
7+ years of financial services experience focusing on the municipal sector in the financial services industry
7+ Market / Credit / Operational Risk / Controllers and/or Internal/External Audit experience
Experience at an investment bank, but other financial services experience (e.g. investment/wealth management, private banking, fund management or rating agency) would be acceptable
Understanding of key risks & controls associated with Credit Risk in an investment bank
Professional qualification (e.g. CFA, CPA, CMA, ACA, etc) and/or graduate degree in Finance
Previous investment / capital markets /audit - related banking role

Assistant VP Ccar Credit & Market Resume Examples & Samples

Big 4 background is a plus
5 or more years of experience
Strong communication skills both written and oral
Strong quantitative risk background is a plus

VP Credit Valuations Resume Examples & Samples

Initial focus on independent valuation of various European ABS asset classes, Securitisation Derivatives & Commercial Real Estate with ability to take on more areas depending on performance
Month end preparation, critical analysis and completion of price testing for relevant businesses
Liaison with the Front Office to understand and resolve valuation issues
Communicating price testing results to senior finance management, trading desks and external stakeholders (auditors, regulators), via the production of the monthly price testing pack and relevant meetings
Own and maintain relationship with the relevant desks
Conduct deep dives on products / areas to resolve valuation issues
Calculation of various fair value adjustments
Work with peers in other PC-Vals teams to help establish best practice guidelines and ensure these guidelines are well-communicated and adhered to within the credit space
Working on creating solutions / improvements to the IPV process. This requires working with the 'Change the Bank' team to enhance specification of technology requirements as well as assisting with testing & managing new releases
2:1 degree or equivalent at undergrad level in mathematical / scientific discipline from top-tier University
Subject matter expertise in European securitised products
Previous experience in a credit control environment (Line product control or valuation control)
INTEX proficiency
Excellent presentational skills
High attention to detail (execution excellence)
Ownership of tasks and problems
Confidence to deal with demanding front office desks
Excellent written & oral communication (ability to articulate highly complex issues to various audiences)
Ability to tackle new problems methodically
Ability to meet regular, tight deadlines
Lateral thinking & creative
Drive to continually improve and automate processes
Enthusiastic
Strong team player

VP / Credit Valuation Specialist Resume Examples & Samples

Month-end testing
Reviewing new deals
Improving existing methodologies while researching and implementing new ones
Ad hoc pricing projects
Liaising with senior management, trading, risk, product control, model validation, and other groups
Preparing a monthly summary report for senior management and conducting monthly valuation meetings where this information is presented
In-depth knowledge of Credit markets and a strong understanding of pricing methodologies for above credit products
Capable of delving into sophisticated structures or pricing models from time to time
Able to explain complex issues to senior management in plain language
Quantitative and intuitive thinking
Analytical and effective communication skills
Degree in a quantitative field, including but not limited to Physics, Financial Engineering, and Economics and/or 5-10 years of direct experience with credit products

Credit Ops Senior Manager Resume Examples & Samples

Control - ensure adherence to GCCFRP and credit criteria as part of the underwriting process
Ensure appropriate staffing and the necessary organisation structure to support the business requirements
Tight expense management and ensure unit cost reduction through active reengineering of process and effective customer segmentation and treatment in collections
Ensure best in class customer onboarding experience
Active interaction with risk, O&T and business to ensure that timely decisions are taken based on feedback; clarifications are obtained and identify opportunities for streamlining processes
Contribute as part of the credit ops leadership on ideas which would straddle across other credit ops unit
Take the lead in driving new initiatives / reengineering
Training of the team as well as ensuring that automation requirements are met through identifying areas that need automation, prioritising them and finally executing the change
Work with seniors on key projects ; actively seek guidance and implement effective systems and process
Bench strength, staffing and ensuring and guiding people along their career path

Emerging Markets Credit Product Control Resume Examples & Samples

Responsible for oversight of Emerging Markets Credit Product control environment
Products traded on the desk includes various fixed income cash and derivatives, including structured products
Liaise with the Front Office, Middle office, Accounting and Risk management teams with respect to complex trades to understand the deal structure, valuation, balance sheet usage, RWAs, P&L and risk arising from these deals
Conduct structured trade reviews, write-ups, risk control tasks and present it to senior management
Monitor trade population from Approximate booking and trade approval (LTA/PTA) policies perspective and escalate any breaches to senior management
Manage the own credit and asymmetry process for issued notes and deposits under IAS 39 by analyzing the internal treasury funding transactions related to it
Present the weekly/monthly P&L commentary to global director
Perform and review the IFRS13 submission for the desk with specific analysis around level 3 trades
Manage and supervise the analysts within the team and provide ongoing support with respect to BAU processes
Implement new policies and procedures applicable to the team
Bachelor’s degree in Finance, Accounting or Business Administration
2+ years of experience in various Credit, Rates and Hybrid products (Loans, Bonds, Options, Interest Rate Swaps, CDS, CLNs, CSO, Nth-to-default baskets, Quanto, Extinguisher XCCY swaps, TRS, Financing and other complex derivative products)
2+ years of managerial experience
Excellent verbal and written skills
Time management skills while working under tight deadlines
Demonstrated knowledge of accounting and finance concepts
Proficiency in MS Excel including macros
Prior product control experience a plus especially in Emerging Markets

EVP Manager Global Wholesale Credit Resume Examples & Samples

Minimum of fifteen years proven and progressive credit and lending experience or equivalent, including a minimum of five years proven management experience or equivalent
Minimum of a bachelors degree in business, finance, related field or equivalent. Masters degree preferred
Strong technical, systems, interpersonal, negotiations, analytical, lateral thinking & mathematical skills
Sound understanding of the credit approval process, products supported and risks inherent in them as well as related documentation and regulations
Completion of executive credit training program or equivalent experience
Strong leadership, organizational analytical, planning, mathematical, problem-solving, communications and interpersonal skills. Demonstrated strength in people management, financial, systems, communications and problem solving skills
In-depth knowledge of businesses, their credit products and pertinent regulations affecting the extension of credit for them
Role specific experience may be required in capital markets, lending and treasury experience, counterparties including Institutional, Corporate and sovereign, complex lending and derivatives product and the full range of banking credit product including trade finance and cash management related

Avp / VP of Credit Trade Product Control Resume Examples & Samples

Product control experience
Experience managing a team
Excellent leadership skills
Experience managing an offshore team

Credit IT Loans Development Manager Resume Examples & Samples

Demonstrated people leadership and management skills
Demonstrated experience with defining and executing technical strategies
Solid experience as a software developer building mission critical production applications
Solid experience developing on J2E platform
Solid experience developing products using JMS messaging technologies and experience

Head of Credit & Securitisation Resume Examples & Samples

Manage Credit Legacy and Securitisation Business Financial Control function which consists of 10 professionals across London and Delhi. Business Financial Control is responsible for
Ownership of Global Markets balance sheet and p&l
Strong Application of Accounting Standards
Balance Sheet variance analytical review
Ensure consistency between front office and general ledger p&l and substantiate all differences
Work with Accounting Control to ensure inter-system accounting integrity
Escalate unsubstantiated account balances through the monthly balance sheet certificate process
Assist Accounting Control with identification of reconciliation break owners
Resolution of reconciliation breaks identified by Accounting Control
Liaise with Central Reporting and Central Finance as necessary regarding detail of Global Markets Balance Sheet and financial disclosures
Liaise with Operations as appropriate to address balance sheet reconciliation and substantiation issues
Accountable for management and performance of the BFC team
Principal driver for offshoring BFC functions
Principal driver for BFC Change Initiatives
Accountancy Qualification
Management experience
Strong understanding of Accounting Standards and Financial Statement disclosures - IAS, SPV etc
Experience of Securitisation
Exposure to one or more product classes (Fixed Income, Currencies & Commodities, Equities, Credit Markets) is strongly desirable
Experience of dealing with Auditors and Front Office
Strong Technical, Analytical and Auditing skills
Excellent communication, organisational, negotiation, presentation and interpersonal skills
Strong Excel (Intermediate)

Cib-credit Portfolio Solutions F&O & OTC Clearing Resume Examples & Samples

Review prospective client portfolios, determine appropriate margin methodology and trading limits; identify key risks in the clients’ portfolios of F&O and OTC derivatives products (FX/Rates/Credit)
Partner with the Clearing and Futures & Options Business and be able to meet clients and understand their strategies and what risk solutions Credit can propose
Develop and implement new risk measures and create new risk report requirements
Service all client related queries related to margin, risk, and limits
Partner closely with Hedge Fund Credit Risk in overall risk management of clients' risk exposure
Work closely with other areas including sales, product development, quantitative research, legal, operations
Improve proprietary margin methodology and expand the product scope by working closely with product development, market risk, and quantitative research teams
Monitor risks in clients’ OTC and F&O portfolios and resolve excessions with credit risk officers
Perform ad-hoc analysis on portfolios, margin & position breakdown, and develop what-if scenarios
Excellent quantitative, analytical, and communication skills
Strong work ethic, works well under pressure, and ability to meet deadlines
Must have solid understanding of OTC derivatives and regulations, experience in rates and credit derivatives is a plus
Must work well with external clients and internal colleagues of all levels, and be able to communicate effectively
Attention to detail; self starter and is able to perform independently
BA in business related discipline with 4+yr of related experience; Masters Degree in a Quantitative Discipline is a plus
Strong Excel skills required, VBA experience is a plus
Self starter and able to develop tools to analyze portfolios

VP, Wholesale Credit Approval Resume Examples & Samples

8-15 yrs Credit Risk credit, lending in financial institutions
Credit products and pertinent regulations affecting the extension of credit to them
Demonstrated ability to identify, evaluate and discuss credit risk in new, unusual or complex proposal structures

VP Credit Structuring Resume Examples & Samples

To support the growth of credit business across the Bank to enable achievement of the Banks overall Credit income and volume targets
Pro-active identification and implementation of new opportunities for increasing the sales of the Bank's credit products to both new and existing clients
To act as a role model for credit both internally and externally, creating and nurturing a network of contacts to the benefit of the Bank
Identification and participation in credit product development and enhancement
To consider credit propositions with a view to supporting Heads of Private Banking/Team Leaders/Private Bankers in appealing decisions with Credit Risk
To liaise with key GBM Asia contacts and influence the bank's relationship with them in order to facilitate more credit business growth
To establish and maintain a sound understanding of Competitor knowledge in terms of credit policies and products
To develop and maintain close relationships with the respective Credit teams in Asia
To meet with clients and Private Bankers to discuss Credit requirements
Pro-actively support Private Bankers in the provision of credit products to clients by identifying opportunities for credit sales, to achieve the Banks overall credit income and volume targets and build a quality credit book
To deliver creative credit solutions to satisfy clients' requirements, promoting new and existing credit products
Ongoing liaison with the front line to identify and develop new credit product initiatives in line with the Bank's client propositions/specific needs
To promote the sale of credit and credit initiatives through regular Business Briefings and presentations to the Bank's heads of Private Banking/Team Leaders/Private Bankers and Senior Management
To ensure the adoption of best practices by the ongoing sharing of ideas at regular meetings of the Credit Structuring team
Provide advice and guidance on policy matters and procedures
Maintain and develop knowledge of the bank's products and services, policies and procedures
Provide technical input into development, scoping and implementation of new credit products
Maintain and develop knowledge of local regulatory policies and guidelines
Maintain close and productive working relationship within the Group and third-party inter-bank counterparts
Participate in ad-hoc projects and group exercise

Credit Portfolio Methodology Quant, AVP / VP Resume Examples & Samples

Further develop the methodology including both mathematical and risk modelling aspects and business liaison aspects (e.g. dealing with internal and external stakeholders and regulators on the model), thus being the single point of contact firm-wide on IRC methodology
Research, development and implementation of new modelling, calculation and reporting approaches in a continuous improvement cycle that the team undertakes
Contribute to the Bank's delivery on major regulatory initiatives related to IRC methodology
Take part in methodology development in related areas, in particular the Credit Economic Capital model
Regular interaction and visibility with a wide range of stakeholders across the Bank, particularly from Market Risk Management, Front Office, Reporting, IT and Regulatory Coordination
PhD or Master's degree in a quantitative subject, ideally with a strong curriculum in statistics/econometrics, quantitative finance or similar
Solid understanding of risk modelling in credit risk and/or financial markets in general
Proven experience in the financial services industry is essential, including successful application of quantitative methods in bank risk management
Work experience in credit risk modelling, ideally in IRC, credit portfolio methodology or credit regulatory capital
Understanding of the Basel II framework and the background to the IRC requirements

Credit Derivatives Structuring Director Resume Examples & Samples

Credit Derivatives Structuring / Marketing
Minimum 7 year experience in Credit Derivatives Structuring or Marketing experience with Investment Bank based in Japan
Experience in Securitized products

VP-credit Policy Resume Examples & Samples

Initiate and execute various projects related to Credit policy and governance, and regulatory guidance
Develop Credit policy and procedure documents and training material
Facilitate the Firm’s communication with regulators regarding Credit related issues
Analyze key upcoming regulatory guidance to assess level of alignment with current practice
Prepare senior management reports on regulatory exams, internal audits, and credit reviews
Minimum six years of experience in a large, complex financial institution in Credit Risk, ratings agency, or credit risk management consulting firm
Strong analytical thinking and problem solving skills
Proven relationship building skills, comfortable interacting with all levels of management
Excellent writing skills
Ability and willingness to work and manage projects effectively under tight deadlines
Proficiency in Power Point and Excel
Knowledge in financial services industry regulatory guidance

Credit Ops Specialist Resume Examples & Samples

Provide oversight of the control framework for the management of credit risk, including data management of client/facility information
Use various risk management tools to monitor the control environment in the Commercial Card business and provide guidance on process improvements and risk mitigation activities
Assist with key activities associated with credit risk including portfolio and client specific risk mitigation execution
Leverage product knowledge to resolve on-boarding and booking issues related to credit risk and data remediation
Provide analytical and consultative support to department through management and coordination of a wide variety of projects. Such projects may include, but are not limited to, policy and procedure development and interpretation, assessment of process or control failures and recommendations for selected process improvements
Corporate credit risk knowledge
Superior analytical/ problem solving skills
Excellent interpersonal and communication skills, including verbal and written
Self-reliance, willingness to take ownership and creatively find solutions
Strong time-management skills
5 years banking experience
Proficiency in Microsoft suite of applications (Excel, PowerPoint, Word)
Knowledge of Commercial Card product and related systems a plus
Monday – Friday, 8:30 am – 5pm CST

GSO CCS Credit VP, Dublin Resume Examples & Samples

Diligently monitor a portfolio of credits including recent news, monthly/ quarterly/ annual financial statements, ratings changes, Amendments and Waivers. Attendance at bank meetings. Effectively communicate refreshed credit view and recommendations
Also proactively manage the portfolio of credits to support relative value based trade ideas (maintain a current view on the industry, key macro themes, sector risks and opportunities, industry leaders and laggards, etc.)
Review and negotiate loan documentation with arrangers and sponsors
Evaluate new investments in the Primary and Secondary Markets by (a) performing thorough analysis of the due diligence information on the Borrower’s business, industry drivers, inherent credit risks, asset valuation and (b) developing a financial model to assess the Borrower’s ability to service debt, as well as evaluate recovery prospects
Formulate a clear and concise credit view and persuasively communicate recommendations to the Investment Committee (including CLOs, SMAs, BDCs, and Closed-end Funds) both verbally and in writing
Actively seek to support other team members when they have a heavy workload
Complete internal reports, as required, on a timely and accurate basis
Such other responsibilities as you may be assigned from time-to-time
A primary/master’s degree in a quantitative discipline such as Business Studies, Accounting, Finance, Economics or Engineering
Minimum 6-7 years of experience, ideally from a credit oriented fund manager, leverage finance desk or CLO platform
Fluent French would be desirable but not essential
Ability to work under pressure and meet challenging deadlines

Regional Market Credit Approver Resume Examples & Samples

5 or more years in a credit approval and risk management role for commercial real estate
15 or more years of experience in credit analysis, structuring and portfolio risk management
Considerable knowledge of credit policies, credit analysis, procedures and philosophy
Demonstrated skills in partnering and relationship building across business lines

Senior Credit Reviewer Resume Examples & Samples

Assess quality of credit decisions across loan and leasing portfolios; determine effectiveness of underwriting, account monitoring, portfolio management and problem account identification; evaluate compliance with loan and lease policies/procedures; validate integrity of customer risk rating and risk classifications and adequacy of loan and lease valuations
Review individual credit files and understand existing processes; determine accuracy of loan and lease data in key business systems, identify policy and process weaknesses and recommend changes
Effectively present/discuss review issues with business segment senior leaders; as part of discussing review findings, make recommendations for improvements. Track and communicate open review items to ensure timely closure
Continuously monitor portfolios and provide updates on inherent risk and control effectiveness of risk processes
Interface with operations, investment analyst teams, and field service groups to provide information on periodic loan administration and collateral monitoring activities
Leverage databases to ensure accuracy and completeness of historical and current portfolio information; analyze data to develop a sound review sampling strategy and implement in compliance to procedure
Participate in special projects such as due diligence efforts, corporate projects and risk management initiatives
Bachelor’s degree with 8+ years’ experience in risk, credit or underwriting fields
Demonstrated experience in exercising investment credit authorities and secured lending practices
Proven high level of proficiency in credit analysis
Must submit your application for employment through gecareers.com to be considered (Internals via COS)
Must be able to satisfy the requirements of Section 19 of the Federal Deposit Insurance Act
Must be willing to comply with pre-employment screening, including but not limited to drug testing, reference verification, and background check
Must be willing to work out of an office in Norwalk, CT or Chicago, IL
Must be willing to travel up to 30% of the time
Legal authorization to work in the U.S. is required. We will not sponsor individuals for employment visas, now or in the future, for this job opening
Demonstrated ability to derive non-typical solutions using analysis and application of quantitative data
Proven negotiation and resolution skills
High level of integrity and personal accountability
Knowledge of problem credit remediation
MBA or equivalent certification
Minimum of 2 years in an audit or credit review role
Strong accounting knowledge
Experience in asset management or equipment valuation function
Experience working for or with Federal regulatory agencies
Strong working knowledge of MS Office suite

Senior Credit Reviewer Ge Capital International Resume Examples & Samples

Be responsible for providing independent, value-added, solutions-oriented credit review results and independently opining on asset and underwriting quality, adequacy of account management procedures, quality of portfolio management processes and controls and evaluate compliance with corporate lending policies to validate integrity of corporate risk rating and classification assessments
Develop a working relationship with the Senior Leadership team and provide insightful Credit Review updates at all levels in the organisation to drive action
Prepare and present formal written reports relating to reviews completed for review with Senior Management
Participate in on-going credit monitoring and risk assessment process in relation to assigned platforms
Contribute to projects to innovate, develop and simplify review processes to optimise results
Track and communicate open audit items to ensure timely closure
Must be fluent in English plus at least one of the following languages German, French or Italian
Significant experience in risk management with proven experience in Credit Risk (underwriting, portfolio management, workout / collections) or Credit Review
Strong financial analysis, deal underwriting and structuring, cash-flow projection and quantitative skills
Strong performance track record
Excellent organizational and communication skills; attention to detail and ability to handle multiple priorities simultaneously while retaining focus on deliverables and deadlines
Must submit application for employment through COS (internal candidates) or www.gecareers.com (external candidates) to be considered for this position
Must have unrestricted authorization to work in UK / Europe
Must be 18 years of age or older
Must be willing to comply with pre-employment screening, which may include drug testing, reference verification, and background check
Must be willing to work out of a GE office (UK preferred)
Must be able to travel up to 30% of the time
Master's in Business Administration (MBA) in Finance or related field
Knowledge of loan classification and rating policy and practice
Experience working in credit review / audit for a regulated entity
Commercial underwriting / credit experience
Experience in ABL / Factoring lending market would be an advantage
Ability to effectively present to senior management
Ability to coach others on how to probe for information, critically evaluate, recognize non-obvious patterns, and spot flaws in logic

Credit Card Campaign Specialist Resume Examples & Samples

Implements traditional direct marketing campaigns and customer centric communications including results analysis
Uses SAS & SQL to create targeted marketing campaign files
Transfers data to and from internal and external partners for campaign implementation
Provides decision support and business intelligence request fulfillment to support data and reporting needs for the company
Summarizes analytical data into user-friendly reports by translating highly technical , detailed data into appropriate recommendations for marketing and sales actions

Credit Bureau Specialist Resume Examples & Samples

Investigate, analyze, and monitor Bank of the West's credit bureau reporting practices to ensure alignment with legal and compliance requirements, CDIA guidelines, and industry best practices, and making recommendations for improvements where needed
Review credit attributes to ensure accurate coding of credit bureau information for use in credit decisions
Investigate and resolve consumer credit bureau disputes, including a review of internal account records and communication of corrections to the credit bureaus
Serve as the subject matter expert on projects that impact or rely upon credit bureau reporting
15+ Years of functional/professional experience
Bachelor’s Degree in quantitative discipline required
Alternative: Combination of education and experience (years /description) 20+ years of experience with credit bureau data management

NFG Credit Admin & Compl Mgr Resume Examples & Samples

Manages the Group’s efforts to measure, monitor and mitigate the various risk aspects of the loan portfolio, including risks associated with underwriting, portfolio management, compliance and collection
Identifies areas of potential risk and recommends and oversees implementation of mitigation strategies
Ensures that the Group’s risk management and compliance function is proactive, comprehensive and consistent
Ensures proper Group credit policies and, to the extent necessary, proposes additional ones
Develops and communicates Group policies and procedures to ensure all Group activities are in compliance with regulatory and legal requirements
Develops and recommends delinquency and credit loss standards and ensures adherence to those standards
Develops strategic and tactical business plans with the Group management team to ensure overall business objectives are met
Develops and recommends capital and operating budget for areas managed. Reports on variances as appropriate
Manages directly and through subordinate managers, including selection, performance management and employee development
Participates in acquisition/merger activities
Over 12 years
Thorough knowledge of consumer loan products and services
Thorough knowledge of legal and regulatory requirements related to consumer loan products and services
Complete knowledge of risks associated with indirect consumer lending
Presentation

Senior Credit Reviewer Resume Examples & Samples

Assess quality of credit decisions across the structured loan portfolios; determine effectiveness of underwriting, account monitoring, portfolio management and problem account identification; evaluate compliance with loan and lease policies/procedures; validate integrity of customer risk rating and risk classifications and adequacy of loan and lease valuations
Effectively present/discuss review issues with business segment senior leaders; as part of discussing review findings, make recommendations for improvements. Track and communicate open audit items to ensure timely closure
Continuously monitor portfolios and provide updates on inherent risk and controls effectiveness of risk processes
Leverage databases to ensure accuracy and completeness of historical and current portfolio information
Interface and coordinate audits with other audit teams in GE Capital Internal Audit
Bachelor’s degree with 8+ years’ experience in risk, credit or underwriting fields, particularly structured lending
Experience in exercising investment credit authorities and secured lending practices
High level of proficiency in credit analysis
Demonstrated ability to derive non-typical solutions using analysis and application of quantitative data and coach others on how to probe for information, critically evaluate, recognize non-obvious patterns, and spot flaws in logic
Experience working for or with Federal regulatory agencies, MBA or equivalent certification
Experience managing, motivating, and developing teams of auditors
Minimum of 2 years in an audit or loan review role
Solid accounting knowledge

Credit Initiation Manager Resume Examples & Samples

Proven managerial and re-engineering experience of at least 5 years preferably in credit or operation functions
Cards or Financial Service (fast moving) environment experience
Results driven individual
Sound business experience
Ability to challenge current processes, to redesign/re-engineer activities
Ability to act with urgency and deliver on deadlines

Credit Policy Specialist Resume Examples & Samples

Superior analytical and problem solving skills with proven ability to meet tight deadlines
Experience with large data systems and automated processes
Knowledge of relational databases and SAS, SQL, Cognos or other advanced languages

Gf-assistant Regional Credit Systems Resume Examples & Samples

5 years in systems/technology, knowledge in Citi and consumer risk management related system applications a plus
Work under pressure
Able to handle multi-task
Able to interface with various levels of management in Global/Region/Business and across functions
Knowledge in consumer risk management credit cycle processes and asset product operations
Travel within the region

Specialist, Credit Resume Examples & Samples

Review daily credit hold, and make decision to release or hold accordingly
Communicate with sales and customers regarding collection of invoices payment trend issues. Determine root cause and appropriate actions for late payments
Research and approve new account applications using established methods, including D&B reporting and Global Credit Services website
Establish and maintain Payer’s credit limits and risk codes

Credit Approval VP Resume Examples & Samples

Undertaking regular customer visits to keep abreast of developments of clients and local market
Monitoring past due and excesses reports on a daily basis and make recommendation, where appropriate, to Relationship Managers to rectify these irregularities and to minimize losses
Providing advice and guidance to business units on credit related issues
Participating in Policy Committee meeting / Early Alert meeting to review credit related issues
Identify key risks and structure credit proposals with business partners

VP, Bank & Sovereign Credit Group Resume Examples & Samples

Effective analysis, evaluation, structuring, monitoring and documentation of new transactions and renewals of existing business
Preparation of concise, well reasoned credit and other correspondence
Reviewing and monitoring changes in risk and improvement/deterioration in asset quality
Recommending appropriate courses of action
Adherence to the Commercial Lending Process as well as other bank policies and procedures and standards
Participation in deal teams to develop, present and win mandates for new opportunities
Maintaining effective contact with clients, IFI and CM colleagues and bank group personnel
Performing additional duties as assigned
Graduate degree in Finance, or Chartered Account or MBA or at least 4-6 years credit banking and analysis experience
Strong credit, financial analysis and modeling skills
Good knowledge of Bank lending and portfolio management parameters and objectives
Strong credit culture, knowledgeable of all credit products
Good knowledge of, and experience with, Corporate Policies/Standards, Commercial Lending Process and Directives, the Bank’s credit culture and procedures, and general banking practices and regulations
Successful completion of bank credit/lending program, either internal or external, preferred
Strong computer literacy
Flexible, quick learner, self motivated and comfortable working in a fast paced environment
Knowledge of and/or experience with loan workouts, management of problem accounts, structured finance and securitization a plus
Must possess the ability to communicate in a professional and knowledgeable manner with senior levels within the Bank, LOB Relationship Management and, when required, externally with clients
Takes initiative to understand others; gets the cooperation of peers, colleagues; develops and maintains a broad network of relationships within the Bank

Credit Ops Senior Manager Resume Examples & Samples

BS / BA degree or equivalent combination of education / experience
5-7 years supervisory experience
Knowledge of Credit Operations, CLI, and Call Center Management preferred
Knowledge of EWS and Chordiant preferred
Relationship building skills
Ability to accomplish work through influence / relationships
Ability to work in ambiguous situations to deliver results
High degree of individual initiative / self motivation
Sound business judgment

Director, Rates & Credit Resume Examples & Samples

5 plus years institutional trading experience, detailed knowledge of all aspects of business’ trading area
Excellent verbal and written communication skills, with very strong analytical skills
Ability to multi-task and to work well under pressure, strong problem-solving and decision-making skills
Able to understand and manage complex and diverse instruments

Securities, Ficc, Structured Credit Strats Resume Examples & Samples

Quantitative support of activities of CVA trading desk
Development of CVA and funding value models for credit products
Participation in global projects mandated by credit business management
Master’s or PhD degree in a quantitative discipline
Proficiency in applying methods of probability, statistics, and stochastic calculus
Ability to write production quality code in a scripting language and in C++
Knowledge of basic concepts related to financial markets and quantitative modeling of financial products
Knowledge of models for credit derivatives and interest rates is a plus
Understanding of quantitative aspects of financial regulations is a plus

Cbna-o&t-credit Initiation Decisions Head Resume Examples & Samples

2-5 years of relevant experience in Consumer Credit Operations
Graduate of any 4-year BS or BA course
Excellent oral and written communication skills

Icg-credit Markets Resume Examples & Samples

Coverage of China/Hong Kong Investment Grade USD bond universe
Generation of trade ideas related to above sector
Working closely with our research team who comes up with trade ideas
Proactive management of risk regular updates to senior management
Proactive engagement with priority clients through Bloomberg, phone and physical meetings
Support sales force requirements as they pertain to their clients
Over 10 years of China / Hong Kong corporate analysis experience
Knowledge of debt capital markets is preferred
Fluent Mandarin
English writing skills
Creativity is important

Credit Union Resume Examples & Samples

Consistently meet/exceed established performance standards and sales goals set by USC Credit Union
Develop member relationships by providing high-quality service to each member/non-member in an effort to identify their respective financial needs and assist them with the selection of appropriate products and services
Support the achievement of the department’s sales goals by recommending appropriate products and services
Process member transactions efficiently, accurately, and in a timely manner including: deposit/withdrawal transactions, loan payments, new accounts and lending applications, email responses and all related documentation
Use credit scoring, sound lending practices and judgment to make lending recommendations or decisions for the betterment of the member and the institution
Ensure compliance with all applicable laws, regulatory requirements and procedures as they relate to assigned products and services or the lending process
May act as a backup Member Relationship Specialists at other USC CU locations/branches
Support Branch Manager and may act as lead for other Member Relationship Specialist reps

Dfast Credit Modeler Resume Examples & Samples

Provides timely and accurate information addressing areas that are critical to the ongoing evaluation of the loan portfolio for lenders across the system and for the Director of Portfolio Risk
Determination, development and analysis of loan portfolio management reports essential to accommodate the needs of various end users
Develop measurements of asset quality trends within the Line of Business
Review impact of credit quality changes to risk ratings including both upgrades and downgrades
Continually identifies the primary drivers required to analyze loan portfolio quality and develops tracking of those drivers that can be reviewed with senior management
Performs ongoing analysis, modeling and tracking of key performance indicators to support and evaluate the success of initiatives
Manages administrative and review systems and procedures to protect the quality of the loan portfolio, which impacts profitability
Follows up on business lines to assure all mandated risk rating changes are completed. Monitors specific business line’s performance with regard to all required action plans
Keeps current with trends and developments within business line units
Solid knowledge of operations, business line and organization as well as modeling skills
Ability to negotiate effectively
General knowledge of credit procedures, business law, and legal/regulatory
Advanced computer knowledge
Oral and written communication skills

Director, Consumer Credit Resume Examples & Samples

Grow Visa’s market leadership on credit in India by supporting the growth of key clients. Achieve client specific product and volume targets as per budgeted targets
Develop an annual operating plan of market initiatives in partnership with the large clients to improve their portfolio performance and maximize the impact of Visa’s credit and marketing investments each year
Develop a robust premium product proposition through product requirements and platforms
Provide thought leadership, strategic insights, product support from the initial pitch to their public launch and in the ongoing development of the business
Deliver consumer insights through research and analytics for issuers to incorporate in their payment strategies
Demonstrate product lifecycle management principles, ‘go-to-market’ strategies for new products and propositions
Utilize industry credit consumer trends and customer knowledge to build preference for Visa Credit
Facilitate launch and adoption of new products with cross functional partners to ensure that credit considerations, programs and product pilots/ developments are top of mind
Support issuers on best practices with respect to thin-file underwriting, credit and scorecard implementation, branch sales, credit origination, acquisition channel strategies, collections
Support co-branding and long term partnership strategies
Manage A&P initiatives and budgets and have complete accountability for delivery and expenses
Work with account managers in consolidating and growing Visa’s market share with leading clients and also in identifying high potential new clients to expand core credit
Develop strong cross-functional collaboration with other Visa groups including product, marketing, sales, operations, information services, research, in India and internationally, to provide continual value to clients
Negotiate on behalf of Visa with merchants and Issuers; contracts related to partnerships, alliances, Promotions, Marketing Actions, Product Launches
Represent Visa at Forums and Public Speaking Engagement when required
Masters or Bachelor’s degree in business administration
Minimum 10 years Retail Banking, Cards or Consumer Financial Services experience. Sound knowledge of the payment cards industry
Should have handled a senior responsibility in product management with P&L/ revenue responsibility. Should have a very sharp understanding of consumer behavior, product operations, business processes and revenue impact
Experience in sales and marketing is preferable
Good understanding of Visa Products and services is a plus
Good client engagement and communication skills. Should be comfortable interacting with and presenting to senior management of clients, Visa and merchant partners
High level of personal integrity, loyalty and ability to keep confidential information in secret is required as the candidate will have access to sensitive and confidential client information
Excellent analytical skills, strong business acumen and project management skills
Excellent written, verbal and presentation skills, coupled with demonstrated negotiation and business development skills as the candidate requires to interact with senior professionals in financial institutions, Visa and alliance partners
Strong appreciation of technology and trends to be able to demonstrate thought leadership
Self-motivated, results driven, flexible, customer focused. Should be a strong team-player
Ability and experience of work in a multi-cultural, matrix environment is required

Director Na Consumer Credit Assets Resume Examples & Samples

Develop an overall sell-in framework for product platform travel and entertainment benefits, encompassing: announcement of new product benefits or promotional opportunities, consultative sell-in, implementation requirements and procedures, creative guidelines, among others
Provide subject-matter-expertise guidance to support Visa Issuer engagement in benefits utilization and Concierge adoption
Work with Client Marketing to drive strategic initiatives related to cardholder benefits in travel and food and wine, sports and entertainment benefits
Manage and maintain activation sales/presentation materials for internal use and consultation
Manage activation project plans, timelines, marketing agreements and operational documentation
Identify new business opportunities, document issuer needs and develop business case for management to expand and fund potential strategic opportunities
Develop and maintain a collaborative working relationship for managing the flow of information between Asset team and Sales, client account teams and consultants
Support marketing business partners with inclusion of benefits in order to optimize national advertising campaigns, as needed
Maintain strong understanding of the competitive environment, and provide periodic reports to asset team to ensure best-in-class market understanding in the affluent space
12+ years of overall experience with at least 8 years of proven experience in the affluent product management or asset management space
Extensive issuer or client management experience and skill
Strategic thinker with strong analytical and research skills, with exceptional written communication skills
Ability to collaborate and work effectively across functional areas to influence and achieve consensus on goals and objectives
Exceptional operational skills and process-orientation. Ability to manage multiple programs and vendors simultaneously
Expertise creating presentations and dialoging with management level audiences
Marketing communications skills
Strong project management skills
Self-starter
Experience working in payment industry an advantage
Advanced level PowerPoint required
MBA/JD or equivalent preferred
Travel up to 10-20%

Credit Verification Specialist Resume Examples & Samples

1-2 years of data entry, customer service and/or retail sales experience
7,500 keystrokes per hour preferred
Thorough and efficient communication
Interpersonal and problem solving skills

Manager, Consumer Credit Resume Examples & Samples

Act as a subject matter expert in support of development and maintenance of training for consumer lending personnel, ensuring technically accuracy and reflective of current approved credit risk strategies and processes
Complete a thorough risk assessment of new consumer credit products & process (example: RIC, NPAP, IDP, ISO etc), ensuring risks clearly identified with adequate controls
In an oversight role, assist with the ongoing enhancements to the retail lending control framework
Working knowledge of the Basel II framework and OSFI regulatory requirements (to become expert knowledge)
Working knowledge of statistics, modeling and data analytics techniques and qualitative and quantitative credit risk assessment and financial analysis desired
Expert knowledge of Corporate Policies, Standards
Strong leadership ability and coaching and influencing skills
Strong business acumen
Highly-developed organizational, analytical and problem-solving skills, creative and adaptive thinking abilities
Strong interpersonal and communication skills, as well as strategic influencing skills
Excellent written communications skills; particularly as it relates to responding to external regulatory requests and information
Strong analytical skills required including previous exposure to quantitative analysis and reporting

Global Credit & Special Situations VP Resume Examples & Samples

Pricing and Execution of trades
Ongoing risk management and hedging of the book
Monitoring market movements, news and events to efficiently control and manage risk positions
Consistent dialogue with clients
Working closely with Research and the Sales force in order to gather trading ideas and communicate them efficiently
Strong background in finance, mathematics or engineering; Bachelor's degree required, Master’s degree preferred
5 –7 years of experience trading credit products
Experience trading the Yankee bank and hybrid capital markets
Full understanding of Fixed Income and derivative products
Strong existing client relationships
Ability to multitask in a complex environment
Strong oral and written communication
Series 7, 55, 63 licenses required

Credit Valuation Adjustment IT Development Lead Resume Examples & Samples

CVA Calculation and hedging (Investment Bank)
Collateral Adjusted Valuation (CAV) hedging (Fixed Income Division)
Coordinating development work of one of team’s work streams working on extension and maintenance of selected components of a risk calculation system used within the bank
Cooperating closely with stakeholders (including trading desk) Project Manager and remote CVA Teams

VP of Credit Flow Product Control Resume Examples & Samples

Bachelor’s degree in Accounting or related discipline
5+ years of product control experience
5+ years of managerial experience
Working knowledge of Credit products, including Corporate Loans and Credit Default Swaps

VP Credit Resume Examples & Samples

Maintain high credit quality throughout Great Western Bank; work with credit and line staff at all GWB locations to ensure a quality and consistent credit culture
Work with GWB staff at all assigned locations to ensure 48-hour turnaround time on complete credit requests; must facilitate quality loan growth. Focus must be on how to get to ‘yes’ on qualified loan requests that fit GWB’s risk appetite, as well as providing efficient guidance to other GWB staff when an opportunity would not fit GWB’s risk appetite
This position will be the primary coordinator of Transactional Credit Committee meetings (the highest credit approval body at GWB). This will include reviewing submitted credit displays for completeness and accuracy, and handling logistics to set up calls with presenters and committee members
Analyze and interpret financial statements including proforma and projections using trend analysis, ratio analysis, cashflow analysis, discounted cashflow analysis, and industry information, as well as macro / industry trends. This could include working with line and other credit staff, and / or the prospect or customer when necessary, to obtain the needed data
Generate periodic (monthly, quarterly, annual, & as requested) reports on the GWB loan portfolio. This position will function as a liaison with the GWB finance area, to help coordinate reporting needed for management, GWB Board, regulators, SEC, Sarbanes-Oxley requirements, and related to portfolio stress testing. Also, this position will be the primary contact point to coordinate credit related information requests from National Australia Bank, for as long as NAB has an ownership interest in GWB
Work with CCO to coordinate regulatory and other exams / visits
Assist in various training initiatives related to credit; to be coordinated with the CCO. Coordinate with other Credit team members to keep electronic forms and resources up to date (i.e., loan policy, credit display forms, etc.)
Develop expert knowledge on GWB’s systems (including Jack Henry & Associates’ “Silverlake” software, WebEquity, etc.); develop a solid working relationship with loan operations staff. Provide support to line and loan operations on coding / loan structure issues. Provide oversight to ensure that coding exceptions are being corrected in a timely manner
Supervise at least 1 credit analyst; department structure will evolve and this position may have up to 3 direct reports
Assist as needed on various Risk and GWB initiatives and projects as a credit ‘subject matter expert.&#8217
Other duties and projects as assigned
Bachelor’s degree in business administration, finance, or related area, or equivalent experience required. Prior acquisition experience beneficial
The ideal candidate will have ten plus years of related banking and / or financial regulatory experience involving credit and operational risk management issues and practices (i.e., credit analysis, commercial banking, agri-business lending, and / or accounting experience). Experience with a financial organization of $10B+ in size preferred
Must have experience with managing credit initiatives at multiple locations as well as ability to manage quality loan growth at multiple locations
Demonstrated verbal and written communication skills; excellent interpersonal skills
Strong PC skills (MS WORD, EXCEL, ACCESS, & POWERPOINT applications)
Strong desire to build relationships within the GWB organization, and effective working relationships with co-workers in Credit and Risk areas, line staff, Finance, Loan Operations, and other GWB areas as needed
Must have exceptional time management skills, and ability to coordinate multiple tasks and complete in a timely manner
Must be able to travel (indicatively up to 25%)

Senior VP Credit Approval Resume Examples & Samples

The position has credit approval responsibility across 2 corporate sector teams, plus Multinationals and Leveraged Acquisition Finance
Credit products include inter alia loans, revolvers, bridge loans, LCs, FX hedging, interest rating hedging, metals leasing and hedging lines and a range of settlement facilities
Credit authority will vary by CRR of the client and by type of facility
Ensure employees apply compliance, operational risk controls in accordance with HSBC or regulatory standards and policies; and optimize relations with regulators by addressing any issues
Minimum of fifteen years proven, progressive and broad-based experience in credit, lending and/or workout areas or equivalent
Credit training or equivalent experience. Strong analytical, planning, mathematical, problem-solving, communications, financial, technical, interpersonal and diplomatic skills

Rpc-avp-credit Solutions Manager Resume Examples & Samples

Help manage the US Cards Collections policy, ensuring compliance to Citi global risk policies and legal regulations
Must have capability to clearly develop and communicate analysis
Strong analytical skills in conducting sophisticate analysis using bureau/vendor data, customer performance data and marketing data to solve business problems
Good programming skills in advanced SAS and SQL in mainframe, UNIX and PC environments
Highly proficient in Excel/pivot tables and PowerPoint

Cib-mo-credit Resume Examples & Samples

The role will require the candidate to develop detailed knowledge of both derivatives trading businesses. The team is co-located with the business, and hence requires team members to have strong communication skills
The developers are responsible for developing, testing and delivering the specification using an iterative programming approach resulting in software delivered on time and in budget
The role is development primarily in Oracle PL/SQL as Database, Microsoft Dot Net Technologies for GUI development and Qlikview for Data Mining and implementation of BI on the entire reporting suite . The teams focus mainly on financial projects and involve business facing aspects. Developers enjoy end to end responsibility, and users have a single point of contact throughout the project lifecycle
Candidate would be expected to assist operations team with adhoc MIS requests for senior management reporting
Candidate would need to work closely with operations group for UAT testing and timely release of automated reports on QlikView
Candidate would be expected to proactively educate Middle Office users about QlikView functionality through demos and interactive sessions
High level of personal commitment to each task, a can do attitude and a drive to deliver
Ability to pitch communication at different audiences appropriately, from technical colleagues to managers in the business
Strong communication skills to be able to communicate at all levels
Ability to gather and understand requirements
High level of responsibility and Ownership from inception through to implementation
The candidate should have a proactive approach to problem solving
Good analysis skills in order to aid in trouble shooting and problem solving
Good testing principles as well as good defect management skills
Has an Engineering college degree in Computer science or any other streams
Has 3 to 5 years experience in application development with at least 2-3 years in Oracle and at least 1 year in .Net with Win forms and or Useful to be familiar with quality guidelines, standards and procedures
Strong client communication skills
Requires a logical approach to problem solving
Must be able to work independently and deliver applications for Business
Business Function Knowledge
Consulting
Client Service Orientation
Logical Thinking
Thoroughness
Communication for results
Business Requirements Analysis
Expert level development skills in MS .Net programming with C# and Winforms
Expert level development skills in MS SQL Server and / or Oracle programming
Systems Thinking

Cib-mo Credit Resume Examples & Samples

Understand the regulatory requirements working with Legal / Compliance / Industry (ISDA/Equities industry groups/DTCC etc) & internal stakeholders
Establish a strategic attestation process on Regulatory reporting for the jurisdictions already implemented to the business
Work with business and Technology group to prioritize the requirements by presenting the business case
Ultimately, successfully deliver controlled environment of Regulatory Reporting
Focusing on identification and implementation of synergies across products
Excellent problem solving skills in order to identify, understand and address operational and technical issues
Ability to multi task, ensuring the controls are performed correctly, breaks are resolved and MIS being sent to managers on deadlines
Positive “Can Do” attitude
Contributes to an environment of collaboration and mutual responsibility
Ability to motivate people and manage careers
Manage all aspects of People management including hiring, performance management, retention and attrition
Graduate with 8+ years of experience, with alteast 5+ years in an investment banking environment, preferably in Middle Office / Trade Support
Strong proficiency in MS Office

Cib-mo Credit Resume Examples & Samples

Performing various control functions to ensure trade values in risk management are in sync with Risk, PNL & downstream applications
Can operate effectively in a dynamic environment with tight deadlines
Analytical mindset and high attention to detail

Credit Professional, Tokyo Resume Examples & Samples

1) Assess exposure/risk profile of derivative transactions, and recommend risk mitigating factors such as covenants, collateral, and other terms & conditions for derivative transactions
2) Based on the assessment, approve/reject derivative transactions
3) Monitor exposure against limits, and take appropriate actions as needed
4) Monitor covenants and other triggers under the transaction agreement
5) Evaluate the creditworthiness of Japanese financial institutions and prepare credit reviews to recommend internal credit ratings and credit risk exposure limits
6) Monitor daily credit events and quarterly financial results of existing clients
Relevant experience in credit risk management or counterparty portfolio management
Knowledge of products, such as swaps, options, repo, stock lending, etc
Credit analysis skills, with the ability to read and analyze financial statements in Japanese (e.g. Yuka Shoken Hokokusho)
Japanese language proficiency
Business level English writing and listening skills; verbal fluency preferred but not required
At least intermediate skills in computer spreadsheet calculations
Team player; team orientated
Bachelor's Degree and above
Experience in credit risk management covering derivative transactions with financial institutions
Strong academic record and evidence of commitment to continuing professional growth
Experience in a Japanese major bank or a foreign financial institution in Japan

Global Structured Products & Credit Financing Resume Examples & Samples

Acting as “deal manager’ with primary responsibility for all aspects of deal execution including portfolio analysis, capital structure tranching/rating, documentation and terms negotiations and marketing, interacting with issuing clients, senior execution team members, syndicate, sales, legal counsel, rating agencies and investors throughout the deal preparation and marketing and settlement process
Primary day-to-day contact for issuing clients and working with, communicating and sharing information with other ‘deal managers’ on the team, escalating relevant client and deal issues to senior team members
Running financial models, preparing investor analysis, working with rating agencies on tranching, analytics and documentation and negotiating terms with investors
Participating in conference and investor marketing ‘road show’ meetings
Reviewing client presentations, financial models and other investor/syndicate materials
Five plus years of experience in financial markets, directly in CLOs or structured finance/ABS, Registered Representative, BA/BS required
Strong financial modeling, documentation experience, transaction execution a given. Client management skills, fluency in CLO 2.0 terms and structure, knowledge of regulatory developments, strong interpersonal ability in fast-paced team environment and with sales people a plus
Candidates must demonstrate a combination of academic aptitude, strong analytical and quantitative skills, strategic and creative thinking and distinguished written and oral communication skills
Candidates will be required to manage multiple ‘live’ projects at once, at different stages in the transaction life cycle, and work effectively as part of a team, managing issuing clients as a banking/origination function and interacting real-time with sales people and investors in the active marketing/pricing stages of a transaction

Credit Trade Management Specialist Resume Examples & Samples

Trade capture, daily P&L production and analysis, validation and reconciliation of multiple Credit trading books
Execute and improve the credit event and general lifecycle management processes
Work with Front Office IT to improve and test various releases for our P&L and front office trade capture systems
Aid in the continued support of various lifecycle events (i.e. Portfolio Compression, TriOptima, ICE Trust, CME, Novations, etc.)
Perform ad hoc requests from the Trading Desk i.e. Interest Rate risk hedging, risk allocation by buckets, book transfers, Global Risk reports

Manager, Wholesale Credit Methodology Resume Examples & Samples

Previous experience in a credit/financial/risk management environment is required
Masters or Ph.D. level qualification in a quantitative discipline
Competence in working with databases, statistical and programming tools including SAS, Access, VBA etc

Credit Operation Resume Examples & Samples

University graduate preferably with Master degree
At least 5 years of working experience
Solid experience in Credit Operation in consumer banks preferably in ML/UPL /Credit Card
Strong analytical skills and proficiency in quantitative methodologies
Good understanding of bank systems
Leadership and people management skills
Able to work under pressure. Ability to manage multiple projects, problems and ambiguity and also manage situations caused by non controllable factor

Head Credit Valuation Adjustment Management Resume Examples & Samples

Responsiblity for maintaining a robust control environment in CVA PC in compliance with all relevant policies
The delivery of a strategic control environment for CAV & FVA in conjunction with IT and FO
Responsiblity for the effective leadership of a team of 8 people covering CVA / FVA / CAV
A key member of the APAC FID PC management team

Director of Credit Resume Examples & Samples

Accuracy and completeness of complex invoicing to employees and employers
Process of daily cash receipts and appropriate cash application
Manage commission billings
Determine the frequency of billing
Heavy reconciliations on all reports
Partner with call center and client teams on providing timely information
Lead weekly communications with clients
Develop and supervise staff
Ad hoc responsibilities and hands on management duties

Rohq-gwfm-credit Initiation Resume Examples & Samples

BA/BS in related field or 2-5 years of related experience (Finance, Math, Computer Science)
Ability to meet deadlines, manage multiple tasks and work independently
Strong ability to learn new technical applications quickly
Professional demeanor, detail oriented, strong written and verbal communication skills and ability to conceptualize complex business situations
Excellent Microsoft Suite skills including spreadsheet modeling, presentation decks and documents
Use of Adobe Writer
Exceptional analytical and problem solving skills
Organized management of work and workload to meet specified timelines
Knowledge of automated scheduling software (Aspect eWFM) is a plus

Cib-mo Credit Resume Examples & Samples

Performing various control functions to ensure trade values in risk management are in sync with Risk, PNL & downstream applications. Analyzing trade booking /recaps
Performing various system to system control reconciliations and ensuring the SLAs are adhered to
7-8 years in a Derivative Operations (Middle Office / Back Office) role
Ability to manage a team of high achievers with diverse experience and skill sets. Successful in team environments with matrix reporting structures

VP Wholesale Credit Approval Resume Examples & Samples

Manages credit approval activity supporting the Global Banking and CMB large corporate lending books, under delegated material credit signing authority, for new money, amendments and reviews. Also involved in product and sector risk management initiatives, ongoing monitoring of more challenging credits via watch list process and providing input into policy and model development. Works closely with other Group offices. Consults with businesses regarding appropriate appropriate credit facility structuring in a commercial, risk appropriate and compliant manner
The position has credit approval responsibility for two or three of the following
The team handles about 1600 clients. Typically, each credit approver would be primary on 150-250 clients. Typical client exposures total $25-500m per client, with some smaller and some larger with RWAs in tens of billions
Credit Approval Authority depends on Customer Risk Rating and type of exposure
Responsibility for supervising watch list credits until they are transferred to Special Credits Unit
8-15 years experience in lending and/or credit in applicable areas
Minimum of a bachelors degree in business, finance, related field or equivalent experience
Knowledge and experience with global companies is a plus, as is knowledge of cyclical sectors generally, with resources and energy experience a particular advantage. Knowledge of companies operating in developing markets also a plus
Knowledge of leveraged lending also a plus

100

Closer / Credit Spec Jacksonville Resume Examples & Samples

In addition the closer will work directly with the Vendor to follow up for the final HUD and ensuring funds are requested timely
Maintain the highest possible standard of customer service while supporting the team goals while ensuring compliance to all Citi policies
Required: High School/GED

101

Credit Bureau Agent Resume Examples & Samples

Read, evaluate and enter all Credit Bureau Disputes and Complaints received by The Office of the President Call Group (OPCG) within 24 hours of receipt
Receive and enter all Credit Bureau complaints timely and accurately into the Customer Issue Tracking System (CIT) to ensure proper reporting and regulatory adherence
Identify, notate and update each issue according to Fair Credit Reporting Act
Once issue properly identified ensure proper tasks & emails have been sent to Line of Business Partners
Assign each issue to ensure timely completion of complaints making sure to distribute equally to each team member
Develop and maintain relationships with line of business partners
Identify and evaluate each component of all complaints to disperse the proper information to
High School Diploma or equivalent work experience
1 year minimum experience in a line of business related function or customer service
Knowledge of Bank products, procedures and operating systems
Strong Analytical skills
Computer literate in Microsoft Office Products
Ability to work efficiently with a low margin of error
Ability to handle multiple tasks and work well under pressure

102

Specialist, Credit Cards Lending Resume Examples & Samples

Investigation
Lending, New Accounts
Commercial Lending
New Applications
Security
BMO branches
Credit Qualified with Personal Limits (an asset)
Small Business Basics
In-depth knowledge of the Lending Process
In-depth understanding of all operational processes and supporting applications and policies
In-depth knowledge of Personal and Small Business Products, Loan documentation and processes
Business Acumen – Working
Environmental Understanding – Basic
Customer Service skills - Working
Communication skills - Working
Analytical skills - Working
Bilingual (English and French) language skills (an asset)
Experience with TSYS and Credit Bureau systems (preferred)

103

Credit Suppt Assoc Ii Bb Cdg Resume Examples & Samples

Moderate credit skills/experience (e.g. financial accounting, commercial lending theories, industry awareness, loan structuring, etc.) but with good analytical aptitude and desire to learn
Sound judgment
Excellent verbal and written communication skills, Information resourcefulness
Strong attention to detail and follow-up skills
Understanding the Bank's credit culture, adhering to credit policies and guidelines, and documenting and justifying exceptions, where appropriate
Must have working knowledge of credit from Commercial LOB
Sound judgment, logical reasoning and exhibits a strong drive for results and success
Operate effectively in a virtual team environment across geographic boundaries
Efficient organizational skills, time management and attention to details
Self starter
Word and Excel
Understand "Know Your Customer" policy
Knowledge of the following applications and products: GMS,AFS, CIBR, GUS, Virtual Vault, ECRIS
Bachelor's degree in business administration, finance, accounting or economics desired

104

VP-credit Policy Resume Examples & Samples

Minimum six years of experience in a large, complex financial institution in Credit Risk, or credit risk management consulting firm
Knowledge of financial services industry regulatory requirements
All applications require a Cover Letter and CV**

105

Head of Global Credit Policy Resume Examples & Samples

Coordinating all relevant exams
Collating and validating information submissions
Coordinating the annual Shared National Credit exam
Representing the department in regulatory meetings
Responding to any issues raised and ensuring resolution of points where required
Effective writing ability
Strong interpersonal skills with the confidence to deal with senior management, and highlight weaknesses in a non-confrontational manner
LI-CSJOB*

106

Credit Product Control Resume Examples & Samples

Taking on large syndicated loans
Working on and understanding the repos desk
Writing memos for risk and legal
Liaising with traders to reconcile and differences
Interacting with trading desk, operations, Market risk
Working as a business relationship manager
High level of gravitas
Confidence to deal with senior stakeholders and liaise with Front Office
Credit Product Control experience
The desire to progress to VP within a couple of years

107

Wls Credit Ops Spec Resume Examples & Samples

2 years progressively responsible credit-oriented administrative experience or 2 years financial services experience
Excellent computer skills and effective verbal/written skills, demonstrated organization, problem solving and client service skills
2 years centralized loan production/portfolio servicing center experience, thorough credit documentation experience, and broad financial statement knowledge

108

Credit Solutions Underwritng Manager Resume Examples & Samples

Provide managerial support required to roll out new Credit Solutions initiatives
Responsible for resolving escalation issues and providing credit decision clarification directly to Commercial and/or Consumer clients and customers
Serve as Manager on Duty and respond to daily Credit Solutions floor issues and sign offs
Perform regular process reviews to ensure compliance to established procedures
Perform Financial Analysis and CRPs for complex, large Commercial deals as needed
Address call outs and work closely with local and India TCS resources. Manage Kronos and sign off for your team. Document CAP as appropriate
Monitor CMS results for all clients (Service levels, AHT, ASA, and abandon rate) daily and take appropriate actions when results fall below acceptable standards
Ensure all Commercial and Consumer Underwriting procedures are followed
Communicate and engage effectively across business and functions
Ensure accurate tracking and monitoring of Consumer or Commercial portfolio and deal performance
Demonstrated ability to manage multiple tasks/projects as assigned
Underwrite commercial cardholders. Act as point of contact for escalated issues for the Client and Customer
Provide prompt response to email as well as phone call requests for increases and other
Take part in review of daily and monthly Credit Solutions and Loss Avoidance deals, providing coaching and direct feedback to Sr. Underwriters
Identify areas for improvement, and take part in initiatives to improve efficiencies and training to support the Credit Solutions Large Deal Underwriting Team
Ensure accurate tracking and monitoring of portfolio and deal performance. Applicant must have the ability to interact and report data to senior levels of management
Minimum 4 years supervisory experience in an consumer or commercial underwriting call center
Four Year College Degree or minimum 4 years of consumer or commercial Underwriting
Strong financial statement analysis and business tax return reviews
Experience with Windows based PC applications
Provide front line management coverage for Credit Solutions as needed, during holiday/promotional periods
Schedule requires a rotating weekend providing FLM coverage for Credit Solutions during non-holiday/non-promotional weekends
Additional, weekends maybe required in a given month due to client holiday/promotional events
College Degree. Accounting or Finance major
Large deal underwriting experience up to $1MM
Synchrony Financial Products and or Systems experience
Bank lending experience
Edison, Genasys, Decision Center/FDR, or GECOM experience
Knowledge of commercial and/or consumer credit scoring system and bureaus
Strong influencing and coaching skills
Proven experience in major client sales/holiday Promo credit & underwriting. Including: decision making, credit line assignment & investigation
Demonstrated leadership skills with internal and external customers
Clear, concise, and effective verbal and written communication skills
Proven decision-making and problem solving skills and techniques
Demonstrated ability to develop & maintain client relationships
Clear understanding of Risk
Proven ability to successfully interact with all levels of an organization
Ability to self- motivate with little supervision

109

Cib Mo Credit Team Leader Mumbai Resume Examples & Samples

Generation of key management reports for global stakeholders and Front Office which indicate the daily trading volume, notional size and other key parameters
Daily sign off of trading volumes reconciled between Blotters and Risk management systems
Participate in critical firm wide & industry projects (Volcker, Dodd Frank) by partnering closely with technology, local and global stakeholders
Managing key reference data controls on a daily basis and ensuring mapping is done in the front end tool so that there is no downstream impact on other processes
5-6 years in a Derivative Operations (Middle Office / Back Office) role
Strong product knowledge; understanding of the end to end transaction cycle for Credit derivative products
Excel and MS Access Database skills preferred
Strong communications skills both verbal and written
Partnering with global & local partners on projects and business change (regulatory projects)
Ability to work effectively both independently and as part of a Global team
Ability to multi-task effectively to met tight dead lines

110

Cib Credit Confirmations VP Mumbai Resume Examples & Samples

Escalate issues for any urgent matters or assistance
Provide detailed business control metrics to management on a daily basis
Continuously participate in projects involving; new product rollout, new system implementation, process improvements, etc
People management and ability to drive large program initiatives
Proven management record
Excellent verbal and written communication skills. Individual should have been in a role that required daily and extensive communication directly with FO Sales & Marketing groups
Ability to drive results through a "hands-on" approach
Control mindset to identify process control gaps, prioritize & mitigate operational risk
Be innovative and suggest system improvement capabilities
Degree holder in Finance / Economics or other related disciplines (preferable)

111

Cib Credit Confirmations VP Mumbai Resume Examples & Samples

Managing various sub functions with documentation team i.e Drafting, Deal Review, DTCC – RMS Reconciliation & DTCC Amends
Performing various control functions to ensure trade values in risk management are in sync with Paper documents and DTCC
Drive firm wide & industry rules (CFTC, EMIR ) by partnering with project leads
Handle volumes as per defined capacity / targets published within the team
Follow-up persistently and intelligently with Front Office /Middle Office/ Documentation team for pending issues
Generate efficiencies by reviewing existing processes, improving STP & increasing capacity
Skilled in identifying talent, recruiting, coaching, mentoring, and developing team members
Ability to manage internal clients & stake holders
Problem solving skills and ensure quick resolution by coordinating with relevant group

112

Specialist Gts Credit Card Services Resume Examples & Samples

Promotes an understanding of GTS roles, processes and activities to the business partners
Ensures adherence to GTS procedures and guidelines supporting internal and external control environments
Contribute to the implementation and continuous improvement of GTS processes to support Shared Services Organization functions in a highly complex global environment
High School Diploma or equivalent required. Some college preferred
1 or more years of relevant work experience or BA/BA in Accounting, Finance or related area in lieu of work experience

113

Wholesale Credit Sanctioning Resume Examples & Samples

Sanctioning of exposures and/or recommendation of limits/reviews to higher sanctioning authorities/ committees
Monitoring of allocated portfolio and industries for material developments affecting credit quality and the initiation of appropriate action. This will be based on
Proven Credit Risk professional with (i) significant experience as a corporate credit sanctioner in an international banking environment across the full economic cycle and (ii) expert knowledge across a wide range of Investment Bank and Corporate Bank clients, products and transactions in the investment grade as well as sub-investment grade space
Immaculate track record with clear proof of values and behaviours in action consistent with Barclays’ purpose and values
Analytical and numerate in support of Corporate Credit Analysis, including strong appreciation of

114

Assistant VP of Credit Resume Examples & Samples

3+ years of experience in risk-based auditing
Graduate degree and/or relevant professional qualifications/licenses
Knowledge of Fixed Income products, relevant regulations and market working practices and trade lifecycle

115

Administrator Europe Credit Division Resume Examples & Samples

Approve facilities in excess of Branch General Manager’s authority
Review and monitor the performance of individual Branches and the Divisions as a whole
Review and monitor the loan portfolio to maintain a balanced and quality driven asset base
Disseminate and ensure compliance with bank credit policy, regulatory requirements and local laws
Act as a point of reference and maintain a constructive and supportive relationship with the Branches for all matters relating to lending
The role required is to support all necessary administrations for the tasks above
General Administration in the division (50%)
Some credit experience/knowledge in the banking business: desirable
Japanese/English language skills: essential
University graduate: desirable
Proficiency in Microsoft Word / Excel / Access

116

Credit Athena Developer Resume Examples & Samples

Can demonstrate experience in a mainstream OO programming language (e.g. Python, Java, C++)
Has a good grasp and experience of software design and common patterns / problems
Has familiarity with version control and at least one major VC system (e.g. Subversion, Git)
Shows in depth understanding of software quality concepts including unit and integration testing
Has experience in large scale Python development
Is familiar with or has used grid computing frameworks
Has some experience or knowledge of Credit / Fixed income financial products
Has exposure to concepts of modelling financial transactions in software

117

Credit Solutions Specialist Resume Examples & Samples

Solid understanding of commercial loan analysis, underwriting and structure
Good working knowledge of and experience with SBA 7a, SBA 504 and conventional loan programs
Must be able to work independently in geographic territory assigned
Minimum of three years Business Banking experience or equivalent

118

Director Wealth Credit Solutions Vancouver Resume Examples & Samples

Overseeing the completion of all Private Banking customized/commercial credit solution activities undertaken by (Sr.) Credit Solutions Manager(s) the in the assigned territory/Centre(s) by
Oversee the recommendation of terms, conditions and covenants to provide a viable banking proposal to the client within sound lending parameters; restructuring marginal proposals into bankable deals, where possible, often under considerable time constraints
Maintaining expert knowledge of complex credit products, capital markets instruments, target client profiles and guiding Credit Solutions Managers to proactively identify opportunities to apply these solutions
Ensuring the quality of loan portfolio
Overseeing the proactive identification of problem loans and recommending appropriate provisions to Global Risk Management
Directing Credit Solutions Managers in the annual review process and detailing the evaluation of all information received for reporting purposes
Advising senior management of any credit weaknesses developing within individual accounts, by ongoing awareness and analysis of relevant financial, legal, political, technological, and industry information
Meeting with customers, lawyers, or receivers where necessary, to develop action plans
Overseeing the teams accurate communication of the terms and conditions of an authorization and supervises the effective and timely implementation of same by
Reviewing all written authorizations to ensure accuracy, completeness and clarity
Managing team’s processes for follow-up for acceptance of authorizations and reacting swiftly to any problems, amendments and extensions, reported by team
Provide strong team leadership to motivate and develop individual and team performance by
Providing coaching and guidance to the team to ensure effect support of relationship management teams
Exhibiting an ability to listen, negotiate and communicate goals
Effectively utilize and develop staff to fill the needs of Private Banking and longer term requirements of the Bank; Ensure direct reports become knowledgeable in products, services and procedures
Develops new, innovative lending solutions by
Evaluating and identifying product gaps and new business opportunities
Contributing to the development of new product solutions, including preparation of proposals to gain Global Risk Management approval for new products or changes to existing offerings/policies
Maintaining an awareness of competitor offerings
Develops and implements improvements in credit processes and lending policy by
Identifying and recommending changes to investment lending policies (including new lending products)
Developing and recommending additions/revisions to commercial credit policies based on economic and industry trends
Strong coaching and leadership skills including previous people management experience
In-depth knowledge of the Bank’s lending policies, practices and procedures, as well as an awareness of business trends economic, technological, social, legal and political conditions and factors which could affect the viability of a credit
Must understand complex organizational structures including family trusts and holding companies
University degree in business, accounting or a related discipline required

119

Director Wealth Credit Solutions Calgary Resume Examples & Samples

Expanding the knowledge of (Sr.) Credit Solutions Manager(s) around borrowing to invest strategies including leveraged investment portfolios, leveraged insurance strategies and to improve (Sr.) Credit Solutions Manager(s) overall underwriting capabilities and credit productivity
Managing the teams timely analysis, structure and presentation of credit / financial solutions proposals within Centre(s)
Reviewing the quality of writings prepared by the (Sr.) Credit Solutions Manager to the Director, PB or Primary Private Banker to ensure they clearly convey the rationale for decisions, so that they may respond effectively to clients
Serving as the Subject Matter Expert to ensure (Sr.) Credit Solutions Managers develop credit proposals that are properly analyzed, structured and presented with sound recommendations
Providing guidance and direction in the recommendation of loan pricing and credit-related fees, yielding a return commensurate with risk and due regard to profit, administration and competitive considerations
Act as additional resource for guidance, coaching and counsel to Private Bankers & Associates, so that they may better serve clients’ needs
Managing the ongoing quality of the credit portfolio by
Monitoring the Private Banking portfolio against Credit Risk Strategy parameters
Ensuring that an effective system of review and follow-up is maintained for all accounts within the assigned geographic area
Monitoring and reviewing the management of credit within the segments and assigned geographic area, as reported through loan audits and OSFI reviews, and responding or taking action as appropriate, including alerting the VP, Wealth Credit Solutions to unsatisfactory trends
Recommending appropriate corrective action to minimize losses and maximize recoveries
Ensuring the team adheres to any regulatory and internal Bank policies including compliance requirements, such as assessment of Reputational and Suitability Risk
Ensuring the team’s adherence to the Bank’s Anti-Money Laundering program, Know Your Customer requirements and Guidelines for Business Conduct, by reporting any unusual occurrences or fraudulent activities per established procedures
Providing guidance on risk analysis, deal structuring, credit pricing, preparation of credit applications and client negotiations
Managing Credit Risk Strategy parameters such as credit portfolio quality, loss rates, and past-due reviews
Ensuring any required changes are actioned by the Credit Solutions Manager and follow-up for the accurate execution and delivery of same prior to disbursement of funds
Fostering and developing a strong, positive team environment, driving employee empowerment, innovation and a high degree of engagement
Sharing knowledge, experience and responsibility with employees in a drive for the highest standards of professionalism and service excellence
Establishing & monitoring performance objectives and measures, and providing timely performance (& non-performance) feedback with regards to roles, tasks and expectations
Conduct effective performance assessments and make sound recommendations for career development and that employee development is a priority for all employees on the team
Regularly scheduling one-on-one coaching with direct reports
Identifying and supporting training and developmental needs of team members
Working with operations and technology teams to implement new lending products and policies
Representing Private Banking on Global Wealth New Products Committee
Liaising with Global Risk Management through the credit decision-making process
Representing Private Banking in discussions with Global Risk Management, Retail Product Policy, and Shared Services (ACE) regarding process improvements for Private Banking loan adjudication
Providing timely performance feedback on credit analysis and applications developed by team – team leadership
Business line’s representative on the Data Governance working group to improve Wealth MIS capabilities
Providing input into, or recommending for approval, changes with respect to credit documentation, credit programs/products and manual sections
Must have 10 years of Managerial level Commercial Banking experience dealing with high net worth clients and sophisticated financing requirements
Expert knowledge and understanding of financial statements and accounting principles and policies, as well a solid understanding of capital markets instruments
Strong verbal and written communication and negotiation skills are essential
Expert understanding of the administration of credit, complex loan documentation and security provision requirements
A high degree of flexibility is required to adapt to a wide variety of tasks and functions
Must have a proficient understanding of tax, estate and financial planning and investment vehicles
The incumbent must have a good knowledge of the of the broad Wealth Management offering, including the services of Scotiatrust, Scotia Asset Management , ScotiaMcLeod, and should have familiarity with the Bank’s International Private Client Group offering

120

VP Senior Ccar Credit Modeler Resume Examples & Samples

Develop and enhance stress testing methodology used for CCAR and ensure methodology compliant with both US regulators and Group wide stress testing policies
Perform deep-dive analysis of the stress testing results and identify trends in the regular stress testing results
Create effective solutions on stress testing outside the strategic platform and actively drive the strategic implementation forward
Support the manager to interact with regulators regarding stress testing methodology and analyses of forecasts
Work with model validation teams to get the CCAR Credit Loss models validated
PhD or MSc in quantitative discipline (preference Maths, Statistics, Econometric, Physics) from good university
Experience in wholesale credit risk modelling
Experience in building wholesale projection loss models for CCAR purposes
Very articulate and proficient in verbal and written English as the candidate is expected to produce top quality documentation and present to the regulators
Good understanding of the financial regulation in US (CCAR, D-F) and rest of the world (Basel)
LI-SL1*

121

Credit Quality Reviewer Resume Examples & Samples

Conduct file reviews on assigned loans with high attention to detail on a timely basis and in a manner that is consistent with the standards of Small Commercial Credit Quality
Serve as Subject Matter Expert for Small Commercial Credit Officers for industries or specialty niches
Participate in SCCA Credit Team Leaders meetings to uncover and address potential risk issues in the portfolio
Assist in producing monthly and quarterly reports of file review results to Small Commercial Risk Management and senior leadership
Enhance processes and procedures for conducting file reviews and reporting
Assist in training and staff development of new team members
Provide coaching on risk assessment, credit underwriting, loan structuring, and documentation through file reviews and written guidance to Credit Officers and Portfolio Risk Officers
Participate in regular Credit Team Meetings to gather information about relevant risk topics on the minds of Credit Officers and PROs and provide guidance on credit and policy questions
Perform as a productive and engaged associate in other projects periodically assigned with any group that is internal or external to SCCA
Bachelor’s degree in business administration, finance, accounting, or economics
High degree of qualitative and quantitative analysis skills
Strong commercial underwriting experience and skills
Strong understanding of BB&T credit culture
Bachelor’s degree in accounting, business or economics
Five years of commercial underwriting experience
Thorough knowledge of business credit underwriting and ability to present findings to management
Ability to prioritize issues detected and appropriately manage time allocated to file reviews and problem resolution
Ability to effectively assume management related responsibilities when delegated
Above average verbal and written communication skills
Experience with Microsoft Office products to include: Word, Excel, PowerPoint
Understanding of financial accounting principles
Working knowledge of Bank’s commercial loan accounting, approval and file systems

122

Credit Systems Manager Resume Examples & Samples

Requires a Bachelor's degree in Information Systems, Computer Science, Business or a related field (a combination of education and experience may meet requirements)
Experience with Commercial Loan Origination Systems preferred
6+ years of experience with systems implementations, curriculum creation and maintenance, user provisioning, and system set-up
Capable of building processes collaboratively to reach outcomes and goals
Knowledge and experience with the Systems Design Lifecycle
Experience using tracking systems to report issues from the user community, acting in the liaison role, articulating the current issue so it can be resolved
Credit and/or lending experience strongly preferred
Working knowledge of project management methodology and processes, scheduling, scope and resource management, and financial tracking is preferred
Excellent leadership, interpersonal, and communication skills, both verbal and written with the ability to identify, analyze and resolve issues
Ability to meet deadlines, schedules and budgeted costs

123

Manager, IT Credit Resume Examples & Samples

Focuses on day-to-day operations, incident management and ensures effective execution and implementation of telephony projects/programs
Manage the Contact Center Platform; development, testing and implementation of our infrastructure, routing, IVR application, Multi-channel interactions, CTI and Reporting
Ability to deliver creative and innovative solutions to business problems
Consistently deliver high quality services to customers
Integrates broad working knowledge in related disciplines to create integrated technical innovations/solutions for complex business situations
7+ years of experience in positions with Contact Center development, configuration, maintenance and support
Positive influencing skills, both verbally and through preparation of written materials in order to build relationships and effectively communicate business needs
Solid working knowledge of Contact Center Technology organization and its operations
Deep understanding of CRM systems, workforce management, CTI, reporting systems, PBX, IVR, Outbound Dialers and how these systems integrate to enable a call center solution
Experience with working on a number of project methodologies, including waterfall and agile
Industry experience a plus

124

Wholesale Credit Methodology Resume Examples & Samples

Previous experience in a credit/financial/risk management environment preferred
Knowledge of corporate/commercial lending process and products will be beneficial
Competence in working with databases, statistical and programming tools including
SAS, Access, VBA etc

125

Credit Partner Manager Resume Examples & Samples

Manage a team engaged in the underwriting function where applicants are adjudicated pursuant to established guidelines and the performance of various know your customer functions
Participate on conference calls with clients for purposes of investigating business models and structuring approvals
Signing authority at a predetermined level for merchant credit applications underwritten by a team of analysts
Hiring, coaching, training and mentoring team members to ensure success in a regulated production environment
Monitoring compliance with policies, procedures and applicable underwriting requirements
Implementation and/or support of strategies to reduce losses to the company while maximizing revenue
Monitor departmental performance and identify areas where new or refined processes can improve the quality of existing services and overall operational efficiency
Create or revise procedures that are ultimately approved by the Group Executive to ensure processes are formally documented
Partner with the Sales and Account Management team to drive business results and to promote consistent execution between the various groups
Other job responsibilities as needed and as assigned
10+ years of business credit underwriting or lending experience with a financial institution
5+ years of management experience
Bachelor degree in business management, finance or accounting. Masters degree a plus
The ability to effectively manage and influence positive relationships with internal and external clients
Strong organizational skills and ability to work within time constraints in a highly regulated industry

126

Credit Deposits Leader Resume Examples & Samples

Develop and deliver safe and sound strategies for servicing deposit accounts including account set-up, customer queries, deposits, withdrawals and transfers across the full range of banking channels
Analyze forensics to support fraud prevention strategies, fraud operation optimizations and other risk decisions
Perform complex investigations related to potential money laundering, terrorist financing, fraud, drug trafficking, tax evasion and OFAC related cases
Interfacing with key operation partners with risk and operation optimization strategies
Coach, monitor, evaluate and develop a small team
BA/BS Degree in related field required and 6+ years in a Management position with experience in a bank loss liability loss management position (such as Fraud, Investigation, BSA, CIP, KYC, AML and OFAC) or; in lieu of a degree, 10+ years in a Management position with experience in a bank loss liability loss management position (such as Fraud, Investigation, BSA, CIP, KYC, AML and OFAC)
2+ years Operational Risk Experience
Process Automation Experience
MBA or other advanced degree in related field
15+ years of experience in a banking loss liability loss management position (fraud, investigation, BSA, CIP, KYC, AML and OFAC)
Large project management experience in banking or financial services
Previous experience directing operations with broad range of staff levels
Expertise with consumer banking laws and regulations
Strong self-manager, highly self-motivated individual
Advanced computer skills (Excel, Word, PowerPoint, Outlook)
Ability to delegate tasks and ensure that team members and managers deliver when expected

127

Cib-credit & Rates Ops-professional Exempt Resume Examples & Samples

Actively coordinate with internal and external clients
New deal confirmation and trade settlement
Local Regulatory Report preparation & submission
University graduated and with local senior broker license
Fluent English writing and speaking ability
Banking related experience is preferred

128

Credit Initiation Senior Manager Resume Examples & Samples

As Project SME, the role requires in-depth understanding of the business functions - Account Initiation (Asset and Liability products), Customer Data Management and Cards/Personal Loan/Mortgage operations
Ability to be able comprehend with the global, regional and country business and be able to map the BAU business processes in the countries to the Rainbow functionalities
Minimize the gaps and the implementation costs/complexity and at the same time ensure that the business functionalities requirements are fully catered for and, in fact, enhanced
Ability to draw up strategic roadmaps for the system enhancements aligned to the business goals
Ability to have a cross-functional view on the business requirements
Quickly visualize the impact of any business requirement throughout the complex web of systems and their related business processes and puts her in a very strong position to drive solutions which are congruent across systems, functions and products
Post graduate / professional degree
10+ years experience in secured credit / risk
Understanding of various systems used in credit underwriting process

129

Credit Derivatives Lead Resume Examples & Samples

Possess a desire to become an expert in the Derivatives business
Embrace interaction with business groups (e.g. traders, quantitative analysts)
Be able to capture business requirements accurately
Design and implement new functionality (new models / optimizations)
Communicate design ideas and take part in peer reviews
Utilize Test Driven Development techniques
Participate actively and constructively in team design discussions
Understand the current applications and business processes, identify extensions and new functionality
Manage the day-to-day Book of Work requirements of a small development team and contribute to objective setting and ratings for team members
Bachelor’s degree in Computer Science, Engineering, Finance, Economics or a Mathematical Science is required
Post grad degree in Engineering, Finance, Economics or a Mathematical Science is preferred

130

Gcg-credit Card Product & Migration Manager Resume Examples & Samples

To drive acquisition, activation, issuing sales, sales share, NPS and other business goals
To drive brand goals such as unaided brand awareness and prime card
Deliver sharp and differentiated product proposition, keeping ahead of the competition, and aligning to global/regional guidelines & framework
In charge of conceptualization, planning, execution and managing of all marketing activities related to the card
Work closely with multiple internal/external stakeholders like Marketing, E-business, Legal, Compliance & Decision Management, etc
Own the entire card customer journey from initial engagement through to retention
Management of overall product P&L and key drivers including issuing sales growth, market share and expenses
To drive product migration strategy, to plan and execute migration plan, ensuring increased customer satisfaction, sales and revenue
Deliver client excellence, achieving leadership in NPS
Support Execution2.0 and "Wind Tunnel" initiatives
Run business in control with laws, regulations and our own policies to protect the brand and the franchise
Graduate, preferably in business development or sales or marketing or related discipline
Minimum 5 years working experience in the above discipline
Strong written and oral skills
Strong presentation and report writing skills
Has initiative, is self-motivated and resourceful
Ability to work independently and driven for results
Good analytical, financial skills

131

Structurer Rates & Credit Derivatives Resume Examples & Samples

Participate in the structuring, pricing and execution of solutions required by corporate clients, financial institutions and private investors in collaboration with the rest of the structuring team, the various trading desks, the quant team and the global sales hubs
Develop tools for pricing, valuation and simulation purposes
Help generate ideas and opportunities for new and existing clients through in-depth research, financial modelling and industry analysis in collaboration with the sales & trading teams
Team up with legal, risk management, tax and middle office teams to avoid issues in an operationally complex market with numerous regulatory constraints
Take responsibility of your own learning process by proactively looking for information (literature, market watch, discussion with senior colleagues, …)

132

Credit Card Manager Resume Examples & Samples

Participate in strategic planning and management activities involved with the network conversion project; sets and drives team objectives
Build and foster key relationships across the business and with key MasterCard customers in the interest of leading an efficient project and delivering per set objectives
Develop and implement a sustainable, business plan for execution of conversion of products from one network to the desired one
Ensure technical issues, impacting project or operations, are quickly resolved in collaboration with other departments
Co- responsible for maintaining relationship with stakeholders to deliver on the project objectives and a pleasant customer experience
Provide leadership and direction in the development of enhancements to improve efficiency, quality, and timeliness of daily operations related to the conversion project
Manage and execute the customer communication piece to deliver on an uninterrupted client experience
Manage the conversion project to ensure there is no business disruption or a breakdown of the client service channel
Ensures continued compliance with Information Security Policies, Standard Operating Procedures (SOP) and documented controls
Provide oversight on Locally Managed Applications and processes to achieve on the project effectiveness and timelines
Analyze operational and technical issues and report findings in various formats and may work on processes or teams to ensure process improvements include appropriate internal controls
Handhold the project execution and manage the project deliverables to deliver an excellent client experience
Provide accurate and timely progress reporting for network conversion to regional / global PMO
Higher education in project / process management
Min. 2-3 years of experience with credit cards marketing, operations or policy
Strong interpersonal and communication skill

133

RCC Direct Lending Credit Mgr Resume Examples & Samples

Manages the development, implementation and monitoring of lending procedures and practices for the Regional Credit Center functions (Underwriting and Up-sell, Funding, Exception Review, Reporting, Final Credit Decisions)
Manages Direct Lending underwriting, to achieve business objectives and assure compliance of state, federal and Bancorp policies, laws and regulations for their assigned Affiliates
Proactively manages production and efficiencies meeting the credit and service quality level standards for the Regional Credit Center
Manages the cost of production/per unit to meet revenue initiatives
Develops cooperative relationships with key business partners across divisions (Mortgage/Retail/Affiliate Administration, Risk Management, Product Development, Compliance, IT) and internal and external customers (Vendors)
Partners with RCC Direct Lending Manager to identify and implement improvements to increase productivity and improve efficiencies for the Direct Lending Regional Credit Center
Develops and maintains relationships with Affiliate Banks through regular on site visits
Collaborates with Regional Credit Center peers to identify and implement best practices as standards throughout the Regional Credit Centers
Consumer Lending credit authority is commensurate with consumer lending authority guidelines and business need
Supports Bancorp Consumer Lending initiatives and projects
Manages employee turnover to bank goals
This position requires SAFE Act registration at the time of employment through the Nationwide Mortgage Licensing System (NMLS)
Manages up to 20 exempt to include officers, managers, and staff
Leads departmental employees (exempt) by providing timely and constructive performance feedback
Manages the hiring, performance appraisal and termination process for the RCC assigned group
Develops employees by providing challenging opportunities to enhance career growth
Ensures employees have adequate levels of training to conduct duties
Develops talent pool to provide for succession planning
Recognizes and rewards employees for accomplishments
Directs and manages weekly staff meetings or other forms of communication to facilitate the exchange of information within the department and Affiliate

134

Credit Hybrids Resume Examples & Samples

Risk and pnl production
In depth analysis of new deals and their Greeks
Analysis of business requirements for new products
Development of control frameworks
Ad hoc projects
Communicating extensively with key stakeholders
Accounting qualification; ACA, CIMA, CFA or relevant Masters Degree
Complex product experience, e.g credit hybrids, exotic derivatives
AVP or equivalent depending on institution
From an Investment Banking background
Control focused
Enthusiastic and open minded
Ability to mentor/supervise junior staff

135

Credit Valuations Control Resume Examples & Samples

Analysis and reporting of independent valuation results, model/parameter uncertainty and related issues, producing succinct and informative reporting packs for senior management
Responsible for the liaison with US and offshore teams and other departments to ensure accurate and timely production, tracking and reporting of metrics
Identification of key valuation and model risks and development of procedures aimed at mitigating these risks
Develop a solid understanding of the business, its drivers, risks and challenges
Participate in process change and control implementation

136

Credit Documentation Resume Examples & Samples

Issue of facility letter, preparation and validation of security document and lodgement of claim against the security provider and release of securities, follow up outstanding pending issues, etc
Based on the validated ticket after credit approval, issue facility letter and prepare necessary security document for client execution
Check the executed loan documentation to ensure they are in order and liaise with Credit Risk Control for their final validation
Ensure the security obtained is duly registered with the necessary authority (e.g. Company Registry / Land Registry)
Diarize and follow up timely renewal of the security documentation upon maturity
Remind business line and follow up closely for long outstanding pending issues for rectification
Negotiate with Relationship Manager, Credit Risk Control, Legal, Compliance for special cases

137

Credit Administration Intern Resume Examples & Samples

Currently enrolled in an accredited college
Pursuing entry level curriculum (Business core coursework)
Prior work experience in office duties
Demonstrated problem solving skills
Ability to interact and communicate effectively with others
Strong computer skills; knowledgeable of Microsoft Office
Exposure to business acumen
Solid spreadsheet skills

138

Manager, Consumer Credit Resume Examples & Samples

Act as a subject matter expert in support of development and maintenance of training for consumer lending personnel,ensuring technically accuracy and reflective of current approved credit risk strategies and processes
Complete a thorough risk assessment of new consumer credit products & process (example:RIC,NPAP,IDP,ISO etc),ensuring risks clearly identified with adequate controls
In an oversight role,assist with the ongoing enhancements to the retail lending control framework
Working knowledge of statistics,modeling and data analytics techniques and qualitative and quantitative credit risk assessment and financial analysis desired
Expert knowledge of Corporate Policies,Standards
Undergraduate University Degree in Business,Mathematics,or Economics
Strong time management,planning and organizing skills to manage multiple priorities
Highly-developed organizational,analytical and problem-solving skills,creative and adaptive thinking abilities
Strong interpersonal and communication skills,as well as strategic influencing skills
Excellent written communications skills;particularly as it relates to responding to external regulatory requests and information
Ability to exercise practical judgment in key decisions within available human,physical,and fiscal resources

139

VP, Bank & Sovereign Credit Group Resume Examples & Samples

Preparation of concise, well reasoned credit and other correspondence for both obligors and countries in the assigned portfolio
Reviewing and monitoring triggers and changes in risk profiles including improvement/deterioration in asset quality
Maintaining effective contact with clients, IFI and CM colleagues and with Credit personnel
Graduate degree in Finance, or Chartered Account or MBA or at least 4-6 years bank credit and analysis experience
Strong credit, financial analysis and modelling skills
Good knowledge of trading products, market risk concepts, and trading products documentation (ISDA/CSA, GMRA, etc.)
Successful completion of bank credit/lending program, internal or external, is preferred
Knowledge of and/or experience with loan workouts, management of problem accounts, structured finance and securitization

140

Credit Suppt Assoc Resume Examples & Samples

Experience with closing loans and the overall loan process, particuarly for Small Business
Must have working knowledge of credit
Operate effectively in a team environment across geographic boundaries
Adaptability to continuous learning and change
Information resourcefulness
Thorough understanding of various business and personal financial statements
Strong attention to detail and follow up skills
Understanding of credit culture and adhering to credit policies and guidelines
Ability to understand documentation exceptions with the ability to resolve/justify as appropriate
Four year college degree preferred

141

Head of Credit Situations Group & High Yield Resume Examples & Samples

Effectively maintains various risk positions and manages position limits, providing liquidity to clients and markets. Accounts for Senior Trader are of a more complex nature and larger in size. Trading limits are also higher as well as overall accountability and proprietary risk
Bring together simultaneous buy & sell orders in cooperation with sales desk. Maintains complete and detailed records to verify orders as they are executed
Ensures correct ticket entry and order routing, maintains communication with sales desk and assists in resolving any settlement problems, ensures ticket entry completion and provides general trade support, as necessary
Provides consistent pricing service to sales force and target clients. Provides market information to sales staff as well as guidance on transaction opportunities and market timing
Monitors all daily electronic trading activity and determines where certain trades should be routed for execution, reviews all activity for accuracy of account information
Reconciles daily and/or monthly reports, as assigned
Responsible for making markets and trading within authorized limits
Executes firm and customers’ trades in accordance with established trading strategies and may contribute to the formulation of trading strategies
Maintains a thorough knowledge of the product area including market liquidity and volatility, pricing and trading strategies
Provides technical and product support to junior staff
Handles all trading situations and is confined only be risk limitations
Works with systems vendors to set up & maintain customer specifications & trading parameters
Ensures compliance monitoring is in place, including processes for management of operational risk, in accordance with HSBC and regulatory standards
Provides management direction to foster effective selection, development and reward of subordinates (if applicable) while contributing to initiatives in support of the Company's Diversity programs
15 years trading experience last 7 as MD of GS Distressed trading business
5 years Federal Reserve Bank -International Bank Examinations
Bachelor's degree in Economics, 2001 MBA both Columbia
FINRA series 7 and 63 required

142

Credit Resume Examples & Samples

Bachelor's degree required, Finance background preferred
Minimum 5 years of Credit-specific experience
Series 7, 63 licensed

143

Cib-credit Confirmations Resume Examples & Samples

Perform root cause analyses on new issues or control gaps
Build and maintain strong working relationships with all global teams and be an SME on Reconciliations and Controls
Excellent time management skill and ability to prioritize work effectively
Ability to respond to a changing environment
Solid business judgments and positive attitude
Creates and/or contributes to an environment of collaboration and mutual responsibility

144

Cib-credit Etrading Resume Examples & Samples

We're looking for smart developers with strong computer science fundamentals and a track record of delivery, whether in previous professional roles, college or personal projects (for instance open source software contributions)
Require very strong development skills in C++ and knowledge of Python and or Java would be desirable
Prefer excellent top-tier engineering/CS/maths schools

145

VP-credit Policy Resume Examples & Samples

Provide support in the execution of projects related to credit policy, governance, and regulatory guidance
Understanding key credit-related processes and clearly and concisely articulating such processes in policy documents
Assisting in the implementation of policies and procedures, including creation of presentations and training materials
Assist in the management of Credit regulatory exams and audits
1+ years of relevant experience, such as in the credit risk function of a large financial institution, with a rating agency or with a credit risk management consulting firm
Team player with strong interpersonal and listening skills
Strong project management skills with the ability to prioritize and meet tight deadlines
Proficiency in Power Point, Excel and Word; advanced knowledge desirable
Finance, economics or accounting background desirable
Familiarity with financial services industry regulatory guidance

146

Credit Union Resume Examples & Samples

Verifying that all applications and documents have been completed thoroughly and accurately
Process DMV paperwork for non-dealer purchase of vehicle including auto, boats, RV’s, etc
Verifies and ensures titles are perfected in accordance to the state/agency guidelines in a timely and accurate manner and compliance with Credit union policies and procedures
Tracking and maintaining all titles on secured auto loans
Consistently following up on missing titles and errors resolution
Process financial transactions such as posting payments, transfers, loan adjustments, etc. Collects correct fees when not collected at the time of the loan
Processes negative share write-offs, insurance add-ons and charge-offs as instructed
Providing outstanding support to internal and external customers
Minimum of 2 years’ experience as DMV title clerk in a credit union or financial institution
High School Diploma or Equivalent
Knowledge of consumer loan terminology and functions
Excellent communication and written skills
Must be able to multi-task in a fast pace environment

147

Credit Policy Manager Resume Examples & Samples

Manage the creation, implementation and currency of the Credit Policy Manual including routine updates and ensuring that all recommendations are properly approved and move efficiently through the governance process to maintain and uphold policy on an on-going basis
Manage the process for developing and maintaining all Corporate Credit policies and ensuring consistency with the bank’s risk appetite. Present Credit Policy recommendations for approval
Partner with business line leadership and coordinate Credit Policy working groups
Interface with consultants and liaison with senior leadership to implement recommendations
Facilitate the communication of changes to the Credit Policy Manual to all stakeholders ensuring awareness and support adherence to the processes to minimize risk
Work with Corporate Training to develop training and communications ensuring all appropriate employees are properly trained on existing and new policies and procedures through new hire and annual required training. Monitor completion of required training and follow-up with management as required, ensuring completion
Identify credit policy controls and provide direction and approval of test scripts
Understand and apply M&T’s portfolio and risks and ensuring that the policies are well aligned and in balance at all times
Apply Credit Policy research (Industry Best Practices) to recommended policy changes. Responsible for understanding and applying industry standards to M&T’s credit policy where applicable
Contribute to strategic planning and short-term initiatives of the loan administration department
Responsible for providing the lead on multiple projects at the department or division level
Responsible for the contingency planning and regulatory compliance of the bank’s credit policy
Exercise usual authority of a manager concerning staffing, performance appraisals, promotions, salary recommendations, performance management and terminations
Understand and adhere to the Company’s risk and regulatory standards, policies and controls in accordance with the Company’s Risk Appetite. Design, implement, maintain and enhance internal controls to mitigate risk on an ongoing basis. Identify risk-related issues needing escalation to management
Maintain M&T internal control standards, including timely implementation of internal and external audit points together with any issues raised by external regulators as applicable
Responsible for a small team of analysts
Oversees training and development of direct reports
The position is responsible for the day to day and direction of the department and requires knowledge of business, applicable regulations and affiliated technology
Bachelor’s degree and minimum of 7 years financial services experience including lending or writing policy and interpreting regulations or in lieu of degree, a combined minimum of 11 years higher education and/or work experience including 7 years financial services experience including lending or writing policy and interpreting regulations
Two years leadership, coaching, mentoring or supervising experience
Experience dealing with various federal and state regulatory bodies processes and procedures
Strong cross-functional collaboration skills
Ability to maintain strong working relationships with management as well as business partners within and outside of the Bank
Bachelor’s degree in English, Business or Communications preferred
Experience with various bank systems
Proficient in software utilized in department
Experience and knowledge of all bank products
Knowledge of the regulatory environment and industry trends
Significant experience in commercial lending practices processes and controls

148

Credit Initiation Manager Resume Examples & Samples

Experience in U/W for at least 3 years is a pre-requisite
Post Graduate from Tier 1 Institute or Chartered Accountant with at least 5 years of experience
Positive attitude

149

VP BIA Credit Resume Examples & Samples

7+ years experience in risk based auditing
7+ years of Fixed Income products, relevant regulations and market working practices and trade lifecycle
Strong understanding of trade lifecycle and associated risk and controls
Has practical experience of working in or auditing investment banking environment
Practical understanding of relevant regulatory environment
Expresses technical information logically and concisely in a way that will facilitate learning and development in BIA
Makes effective use of internal and external best practice information
Experience in dealing with senior client management
Displays willingness and initiative to learn and share knowledge about new products and markets
Proven track record of high performance in previous roles

150

Cib-credit Confirmations Resume Examples & Samples

Ensure trades are executed within the T+1 guidelines of CFTC/EMIR
Monitor all EOD and periodic controls
Handle volumes as per defined capacity / targets published
Manage Economic affirmation of the trades allocated
Support LOBs cost management initiatives and be creative and diligent in eliminating unnecessary expenses
Reward & Recognition: Highlight and reward successes and recognize individuals at all levels who contributed
Build a culture of transparency and open, honest & clear communication
Understanding on Dodd Frank/CFTC/EMIR guidelines
Successful in team environments with matrix reporting structures
Ability to multi-task effectively to meet tight dead lines
Flexibility to work global hours (UK/NY)

151

Credit Collector Resume Examples & Samples

At least 2 years of experience in Credit Control
Educated to a good standard
Good computer skills

152

Specialist, Credit Card Lending Resume Examples & Samples

Provide exceptional sales and service to BMO customers or prospects by handling incoming calls to the NACCC in an informed, professional and efficient manner
Probe to understand client needs and provide advice related to cards lending strategies that meet the client’s objectives and manage all transactional outcomes of the call in a professional and accurate manner (e.g., complete any relevant administration requirements)
Identify opportunities to make qualified referrals to other groups within the NACCC as identified within the NACCC to ensure that client needs are met
Process customer requests, following established processes including generating service requests in order to complete financial and non-financial transactions, accurately, within specified time frames and in accordance with Bank policies and procedures
Proactively address and resolve any customer issue or concern presented in an incoming call. This may include investigating in BMO systems to understand the underlying root cause and escalate as required to resolve the customer concern. Escalate complex or unresolved escalated customer situations to the Assistant Manager/Manager as required
Follow all BMO policies and procedures during customer calls in order to minimize risk to the business and provide the customer with appropriate information as per established regulations. Perform any required documentation after the call is completed to ensure an accurate processing of any client request
Maintain current knowledge of the banking industry, practises and trends and integrate into client conversations in a professional manner
Understand risks and take appropriate actions as they relate to cards lending products, including all documentation, and any other requirements to maintain operational integrity within BMO Direct Banking and BMO Financial Group
Completed high school education, or equivalent work experience
Credit Qualified with Limits
Knowledge of the cards lending process
Knowledge of all operational processes and supporting applications and policies
Knowledge of Credit Cards products & Services and loan documentation
Knowledge of competitive market place and trends in product offerings
Knowledge and understanding of cards lending technologies
Good knowledge of call centre technology, processes and metrics
Communication skills (verbal & written) (In-depth)
Proven conflict resolution skills (Working)
Organizational awareness (Basic)
Some success working in a similar and/or related sales & service environment (Basic)
Some understanding of Risk Management & Compliance (Basic)

153

RCC Direct Lending Credit Mgr Resume Examples & Samples

Bachelor's degree in Business or Finance or equivalent work experience
Minimum 5 years management experience in Consumer Lending, Banking, Financial Services
Minimum 5 years consumer credit experience
Ability to negotiate with others and build consensus
Ability to interact with all levels of management and external customers
Demonstrated leadership and project management skills
Strong interpersonal, written and verbal communications skills
Strong presentation/public speaking skills
Ability to manage priorities and tasks
Proficiency with MS Office, Word, Excel, PowerPoint

154

Credit Exotic & Hybrid Derivatives Resume Examples & Samples

Very good core java (J2SE, multithreading, performance optimalization)
Experience in fron-office environment
Java UI experience in some non-web, rich desktop technology (SWT, Swing, Javafx)
Experienced with full software development life cycle
Financial Markets Skills (trading, risk, pricing)
FO office facing experience, be able to handle high pressure environment,
Python
Eclipse RPC/SWT
Unix, Subversion, SQL, Swing, Excel, VBA
Financial Industrial experience, preferable Credit Derivatives

155

VP-senior Sector Credit Sanctioner Resume Examples & Samples

Present certain annual reviews and new money requests to a credit committee composed of senior sanctioners
Good commercial experience working within Credit, preferably in an international banking environment
Analytical and numerate in support of Corporate Credit Analysis, including appreciation of

156

CIB VP, Energy Credit Product Resume Examples & Samples

Four-year college degree in Accounting, Business, Finance or Economics or strong quantitative background
Formalized Credit Training (preferred) from an accredited financial institution
5 + years credit experience in a financial institution
Strong PC skills, including knowledge of MS Word and Excel

157

CIB Power & Utilities Credit Product Resume Examples & Samples

Prepare credit applications, including in-depth credit analysis, rating sheets, relationship profit/investment return analysis and any other requested or required forms or information needed to complete a proper assessment of the client/transaction
In-depth credit analysis should include historical financial analysis, industry and market analysis, transaction analysis (i.e. structure issues, collateral, etc.), and cash flow projections (as required)
The application should identify the major trends, issues, risks, strengths and weaknesses of the client/transaction, along with a complete assessment and recommendation
Review and/or prepare legal documents in conjunction with the Legal Department or outside counsel
Prepare marketing materials and proposals (as required)
Respond to various client requests
Through industry knowledge, identify opportunities with both existing and prospect clients and discuss them with senior officers
Contact agent banks to seek new opportunities and to obtain useful information for new transactions
Monitor all clients, with publicly available information, on a daily basis according to the monitoring policy of the Division
Evaluate clients/transactions for changes in risks and make recommendations on any risk rating changes or other measures to be taken
Complete risk rating review for each client/transaction as required
Collect and review financial statements, covenant compliance statements and other required information, on a timely basis
Ensure covenants are adhered to and that all required client information is obtained in a timely manner
Monitor and report as required on any changes in industry/market trends
Assist and coordinate booking requests and other administrative functions with the Administration Group of the Division and Middle and Back Office at Harborside, NJ
Assist Team Leader and other senior staff with other administrative duties within the team, as assigned
3 or more years of credit experience in a financial institution, with coverage experience in Power and Utilities sector a plus
Strong PC skills, including knowledge of MS Word, Excel and PowerPoint
Good interpersonal skills and a team oriented person

158

Head of Credit Situations Group & High Yield Resume Examples & Samples

Effectively maintains various risk positions and manages position limits, providing liquidity to clients and markets
Accounts for Senior Trader are of a more complex nature and larger in size. Trading limits are also higher as well as overall accountability and proprietary risk
5 plus years institutional trading experience, detailed knowledge of all aspects of Emerging Market credit trading area
Bachelor's degree in Finance, Economics, or equivalent work-related experience

159

Credit Resume Examples & Samples

Associates degree from an accredited college/university or technical certification directly related to fraud work and Fraud Detection Work Center (FDWC) experience preferred
Knowledge of Microsoft Office with an intermediate level of proficiency in Word, Excel, Outlook, and PowerPoint
Ability to work independently and manage incoming casework
Ability to link multiple calls, which are a result of organized crime
Ability to problem solve and determine responsibility for fraudulent charges
Ability and willingness to participate in on-call rotation
Excellent verbal and written communication skills with the ability to interact with all levels of the organization
Ability to establish and maintain cooperative and positive working relationships with employees, customers, vendors, and law enforcement professionals
Ability to balance multiple tasks in accordance with changing deadlines and prioritizes in a fast-paced environment to ensure Nordstrom fsb is meeting the needs and demands of internal and external customers
Ability to work sensitively and effectively with individuals of diverse ethnic and cultural backgrounds and treat all customers and employees in a fair and equitable manner

160

Head of Credit Acceptance Resume Examples & Samples

Develop and implement appropriate credit initiation strategies for credit products
Develop and implement MIS to manage people and processes - take pre-emptive and corrective action as appropriate with a strong focus on productivity improvement
Lead and develop initiatives to drive the Credit Operations strategy – including the use of technology, extent and nature of off shoring, employee engagement, cross-sell and other strategies to deepen customer relationships
Partner with the relevant Product and Marketing Managers to ensure processes and capacity are aligned with expected volumes
Partner with Risk Managers to ensure Risk policies are adhered to, and evolve to improve portfolio performance and provide the optimum return between risk avoidance and expense
Manage volumes (including capacity planning, productivity optimisation, quality) to ensure a positive experience for customers and maximising business benefits
Develop a capacity model for the Unit to enable forward planning of workloads
In association with relevant controls, bring an innovative approach to the scheduling and staffing of the unit
Strategically manage controllable costs in line with business plan and forecasts
Manage external vendor arrangements and optimise relationships through process improvement and expense reduction
Establish and maintain a robust process, compliant with all internal and external policy, regulatory and legislative requirements
Hire, train, manage, motivate and develop staff, including the implementation of effective backup and succession plans
Ensure staff are providing timely, accurate, and professional responses to customer enquiries, in compliance with quality, policy and regulatory guidelines
Conduct quality reviews
Manage the unit in accordance with Citibank values, focusing on instilling a quality ethic and insisting on integrity in all interactions
Keep abreast of new technological advances and review and recommend any possible upgrades and enhancements to systems currently employed
Have a detailed knowledge of relevant Citibank products, systems and processes
Manage infrastructure requirements, including Continuity of Business (COB) Plan
Demonstrated strong understanding of the credit lifecycle
Understanding of the people and change management issues unique to an operations environment
Strong written and verbal communication skills with experience in writing and delivering presentations to large groups and senior stakeholders
Successful track record in leading a high-performing management team
Cross-cultural experience
Solid operations experience gained in a retail bank, card company, other retail financial services institution or consumer credit provider
Vendor management experience
Managing offshore entities viewed favourably
Be a hands-on manager
Strong influencing capability
Strong analytical skills in addition to strategic and lateral thought processes
Planning & organising skills
Experience handling high volumes in a high-pressure environment
Process improvement focus
Tertiary education in related field preferred

161

VP of Credit Services Resume Examples & Samples

Enforce company’s credit policies
Monitor advertiser payment trends
Evaluate credit worthiness of both advertisers and ad agencies
Prepare monthly financial reports and analyses
Ensure a strong customer service focus by the credit and collections team
Provides insights regarding emerging trends, issues and opportunities
Partners with company’s legal department as necessary
Works with ad sales and finance departments in order to deliver results and drive toward company goals

162

Credit Liaison Resume Examples & Samples

Process cashless stock option transactions. Work with outside corporations to ensure proper option entitlements
Review, update, and maintain new pledge accounts and releases
Review and update DVP accounts
Assist with credit checks and verification of asset requests
Review reports in compliance with department and regulatory standards
Communicate information regarding transactions to branch personnel, attorneys, transfer agents and relevant companies
Accurately document information on spreadsheets, reports and databases
Serve as a back-up in cross functional responsibilities, as needed
Monitor workflow queues to ensure assignments are completed accurately and timely
Act as liaison between outside vendors and branch personnel
Research and provide resolution on business issues
Prepare letters, memos and various documents
May assist with special projects
Monitor incoming mail and documents
Perform other duties and responsibilities, as assigned
Process flows within specific assigned functional area
Regulations for specific assigned functional area
Operating standard office equipment and using required software applications, including Microsoft Office applications (Word, Excel, Outlook and Access) sufficient to create documents, spreadsheets, and business correspondence
Organizational and time management sufficient to prioritize workload, handle multiple tasks, and meet deadlines
Mathematic skills sufficient to process and balance daily business transactions
Effectively gather all relevant information in order to analyze, research, and resolve business issues in order to make decisions
Attend to details
High School diploma or equivalent and a minimum of 2 (two) years of customer service experience

163

Ops-credit Initiation Head Resume Examples & Samples

Bachelor’s degree; an MBA or equivalent advanced degree is desired
12-15 years of relevant experience in Consumer Credit Operations
Strong understanding of local regulatory functions
Strong process and analytical skills
Proven ability to leverage technology and automated solutions
Strong knowledge on credit processes
Strong command of both spoken and written English
Strong people management skills
Results oriented
Ability to work under pressure and problem solving skills
Ability to translate business strategy to detailed processes and high attention to detail
Team player and leader

164

SVP Credit Ops Group Manager Resume Examples & Samples

10 yrs. of related experience
Project/Program Management experience preferred
Previous Management experience required
Proficiency with Microsoft Suite (Word, Excel, Power Point, Project, and Visio)
Experience in basic financial management
Ability to present complex information in an understandable and compelling manner
AML Compliance and KYC knowledge preferred
Knowledge of the local/regional laws and regulations applicable to anti-money laundering is a plus
Previous experience with financial services companies is preferred (retail banking, small business banking, commercial, institutional, private banking)
Strong project management and strategic thinking skills

165

Credit Initiation Manager Resume Examples & Samples

Minimum Bachelors Degree in Finance, Economics or Business Administration
Extensive Credit Risk and Credit Initiation related experience
Professional Qualifications related to Credit Risk would be an added advantage
Valuing Diversity: Demonstrates an appreciation of a diverse workforce. Appreciates differences in style or perspective and uses differences to add value to decisions or actions and organisational success

166

Credit Ops Specialist Resume Examples & Samples

2 years of experience in a related analytical role is required
Basic understanding of financial statement analysis is required
College degree in related field of study preferred (Finance/Accounting) preferred
Experience in a credit analysis or underwriting environment is preferred
Ability to work in a fast paced, high production environment performing multiple tasks is required
Working knowledge of the following preferred:APSTAR, B1B, VLS, AFS, and Choicepoint
PC skills to include ability to work in Word, Excel and Access databases
Accuracy with attention to detail
Analytical/problem solving skills
Strong decision making skills

167

Gf-ccb Small Medium Enterprise Credit Approver Resume Examples & Samples

Coordinate, scope population sample, participate and collate results from Monthly In-Business Credit Approval Review Process (IBCARP), which is the review process of credit transactions approved solely by Business and Credit Operations for both CCB and SBB respectively
Have a strong understanding and interpretation of all applicable credit policies, credit programs and procedures/processes. Provide recommendations to improve local processes or incorporate seamless adaptations of revisions in policy
Prepare Monthly Reports to address transaction excesses and exceptions for Derivative transactions. Reach out to internal stakeholders to obtain resolutions on issues and exhibit personal ownership of resolving outstanding issues
Assist as a tester for Quarterly Key Risk Indicator (KRI) and Quarterly Manager’s Control Assessment (MCA) for the Risk Related processes. Representative to interface with Regional KRI/MCA teams such as to interpret and adapt new test steps for local implementation
Lead and own the Collateral & Product Scorecard process, inclusive of liaising with internal stakeholders for collective agreement to admit new collateral or trade structures or continue existing offerings
Manage and prepare annual local regulator industry-wide stress test by dimensioning portfolio data, validating testing methodology and providing critical analysis of results. Conduct ad hoc rapid portfolio reviews, thematic stress testing and ad-hoc report data analysis requests
Approve credit proposals in accordance with the credit risk standards and underwriting criteria for SME and SBB clients up to the delegated credit authority
Conduct periodic client visits and monitoring industry developments for early problem recognition
Assist the Business to ensure good credit clients are originated and approved with balance of risk and return
Ensure annual reviews are carried out for all names in the portfolio
Proactively monitor accounts in portfolio to ensure weak accounts are identified early
Ensure effective use of Early Warning Tools to identify and tackle potential problem accounts at early stage to avoid or minimize potential loss
You should preferably be a Degree holder with minimum 5 years of credit experience with SME/SBB lending
You should also possess strong analytical, interpersonal and organizational skills with sharp attention to details
Sound understanding of financial analysis and risk assessment skills
Demonstrated ability to take intelligent risk and exercising independent and sound judgment
Excellent written and verbal communication skills are essential
Strong proficiency in Microsoft Excel with excellent knowledge of functions such as Pivot Tables, vlookup, What If, etc
Ability to work independently, strong team player, not afraid to take personal accountability, strong ethics and a positive work attitude
Stays current with the dynamic demands of the environment and clients

168

Credit Union Resume Examples & Samples

Contacting debtors with delinquent accounts by telephone or in writing and recording results
Initiate skip tracing efforts on debtors through credit reporting agencies and/or through proprietary software. Review delinquent loans and conduct internal investigations for potential issues prior to contacting debtors
Reviews and coordinates potential repossessions in collaboration with Sr. Collector and prepares notices to debtor such as Notice of Default and Deficiency Balance Notices
Provide counseling on repayment options including payment arrangement and/or loan workout/loan modification
Recommend uncollectable accounts for review, charge-off and legal action

169

Credit & Rates Ops-professional Exempt Resume Examples & Samples

Local senior securities broker license
Good knowledge on Credit & Rates products
Team player & self-motivator
Able to manage priorities and work under pressure
Solid control mindset
Related working experience will be a plus

170

Credit Resume Examples & Samples

Architect and primary developer for Credit Technology Common Services
Working closely with of an offshore team of developers
Identify opportunities to build common libraries and components across Credit Technology, delivering a more service-based architecture and greater degree of reuse across teams
Partner with application development, Production Support and infrastructure support teams to design and develop tools that will improve stability and developer productivity
Drive an agenda of Software Development best practice across the entire Credit Technology development and partner with Support teams to drive a culture of efficiency and operational excellence
Java, Python, C#
Middleware (RMDS, Tibco RV, Solace)
Time series database e.g. OneTick, KDB (preferred)
Unix scripting
Monitoring tools (ITRS)
Strong technology generalist – experience working across a number of different languages and developing components, libraries and frameworks
Experience of QA automation, environment management and maintaining a strong software development process (build, test, deploy etc)
Experience working with an offshore development team

171

Credit Union Resume Examples & Samples

Plans and coordinates assigned fundraising programs, projects and/or events
Coordinates activities of volunteer and support groups. Recruits members and provides guidance and support to leadership activities
Cultivates and maintains relationships with USC Credit Union members
Conducts research for the purpose of updating and expanding the member base
Drafts informational and marketing materials for review for assigned programs
Assists in developing support materials for specific member activities

172

Team Lead-standby Letters of Credit & Guarantees Resume Examples & Samples

5 to 7 years of related experience
Solid understanding of the business unit’s risk and regulatory requirements
Solid knowledge of resource scheduling
Strong change leadership skills

173

Credit Transaction Manager Resume Examples & Samples

Provides deep knowledge and experience of Commercial banking products and services to ensure a positive client experience. Works closely with Commercial Account Managers, Commerical Advisory group, Group Risk Management, legal parties and internal Documentation Specialists,
Responsible for efficient and effective co-ordination and service delivery of Commercial credit transactions - security, documentation etc. as applicable
Ensures high risk, non standard Letter Agreements are routed in a timely manner and managed according to the level of priority
Acts as advocate for the client experience using resources and analytical techniques to investigate and evaluate complex issues which may be outside of policy/process/procedural guidelines in order to satisfy the client needs/client escalation, as applicable. Identifies a number of solutions and acts upon each appropriately to mitigate risks
Provides ongoing coaching for Commerical Account Managers as required and applicable to ensure credit and operational risks and workflow processes are understood and followed. Includes system and application navigation support/coaching where required
Exercises sound judgment in making decisions, with high level escalations referred to appropriate levels
Keen ability to identify and act upon efficiency and effectiveness opportunities through effective listening, probing and clarifying
Works on several bank applications, e.g. synergy, CMS, OLBB, Covarity, e-mail; in order to complete tasks
Work requires a proactive approach, high sense of urgency, ability to multi task and adapting to change constantly
In partnership with Commercial Account Managers, collaborates in a Client First manner with of creating ‘win-win’ outcomes
Expected to process work volumes within established Client Service Commitments and effectively work within tight time lines
Employee requires continual capability to successfully complete 3 of 6 designated core BSC tasks/functions
Review CCR and Synergy injection
Facilitate, validate and recommend Advance of Funds
Professionally respond to and complete incoming CT inquiries, investigations and escalations
Non Neg vetting of e-Courier collateral/EOI packages
Liability Advances
Preparation of non complex EOI or CA documents
* Posting end date: October 14th 2015 ***

174

Senior Credit Bureau Manager Resume Examples & Samples

Ensure that the reporting of Synchrony cardholder data to all United States and Canadian consumer and commercial credit bureaus are compliant with all applicable laws, particularly the Fair Credit Reporting Act
Handle enterprise wide process management of credit bureau reporting in line with all Synchrony policies and procedures
Work with cross functional teams to ensure proper bureau reporting is established for all consumer and commercial portfolio conversions and start-ups
Preparation for regulatory audits, particularly with the Consumer Financial Protection Bureau
Perform periodic onsite audits at the credit bureaus to determine level of reporting accuracy and identify gaps that may negatively impact Synchrony and its cardholders
Create action plans to address identified issues and report status to senior management
Work with cross functional teams to resolve consumer disputes escalated to the CFPB and other regulatory bodies
Develop and maintain internal IT project plans and working directly with the Chief Credit Officer and the IT Risk Team leader
Work with Finance to develop the annual budget for consumer and commercial credit bureaus and create Purchase Orders for annual spend according to policy
Monitor expenses on a monthly basis to ensure compliance with Purchase Order procedures and requirements
Bachelor's degree in business related field and 7+ years of relevant experience, or in lieu of a bachelor’s degree, 11+ years of relevant work experience
5+ years of experience working with or for the credit bureaus with some exposure to commercial bureaus
MBA or Master’s Degree in business related field
Exp working working with the commercial bureaus
Experience working with consumer industry standard (Metro2) credit bureau reporting guidelines and related commercial credit bureau processes and practices
3+ years of experience interacting with requests from financial services regulatory authorities;Prior experience with managing vendors/suppliers and negotiating contracts
Excellent project management skills and ability to effectively prioritize and multi-task

175

Phone Center / Credit Ops Senior Specialist Resume Examples & Samples

Make judgmental credit decisions based on your training, departmental standards, and quality standards
Answer customer phone calls, resolving questions and processing credit requests on new applications
Open to change, ability to quickly learn new processes and adapt in a fast paced-environment
Takes initiative, adjusts quickly to change, and takes responsibility for results
Motivated to deliver great customer experiences, maintaining a positive attitude in challenging situations by offering customers alternative solutions and enhanced products
Proficiency in Windows and Microsoft Office Suite
Effective verbal and written communication with customers and colleagues
Comfortable with conducting research when needed to ensure sound decisions
Careful compliance with all regulatory and department practices and procedures
Fluent in Windows Operating Systems and Microsoft Office tools

176

CIB Ops-otc Clearing Credit & Rates Prime Brokerage Client Serivce Resume Examples & Samples

Excellent interpersonal skills and communication skills
Very strong client management skills
Problem solving capability – can listen to client requirements, anticipate possible issues and seek to eliminate, mitigate, escalate as appropriate
Excellent project management and organisational skills
Demonstrated ability to prioritise, multi-task and work to tight and changeable timeframe
Confident, drive, self-starter with an ability to work independently
Excellent attention to detail with an intent to provide high level of accuracy
Comfortable with technology, workflows and systems

177

Credit Card Manager Resume Examples & Samples

Acquire more Cabela’s Visa accounts. Have confident outfitters pitching the card
Conducts training and coaching sessions for associates at retail stores, which may include travel to other sites. Provides associates with detailed, hands-on experience. The primary goal of all sessions are
Must be able to read documents, printouts, reports, computer screens and other written communication
Must be able to hear well enough to communicate with customers and co-workers
Must be able to stand and/or walk to fill orders, assist customers on the sales floor, etc
Must be able to stock product at various racking levels, use step-stool or ladder, etc
Must be able to place product on/off conveyor, trucks, shelving, etc
Must be able to write, type and use phone system
Medium Work: Exerting up to 50 pounds of force occasionally, and/or up to 20 pounds of force frequently, and/or up to 10 pounds of force constantly to move objects

178

Manager, It-credit Resume Examples & Samples

Manages an application development team (engineers, analysts, program manager), coaching and developing the team in all areas of performance
Focuses on day-to-day operations, incident management and ensures effective execution and implementation of Credit Gateway projects/programs
Manage the Credit Gateway Platform; development, testing and implementation of our application infrastructure
Become the point of contact for business customers for the Credit Gateway
Understand the nature of the business and strategies and how the Credit Gateway Platform achieves business strategies
Identify value added technology service offerings to further strengthen relationships
Guides and influences people resources and processes in pursuit of the division’s goals and objectives
Assists in enhancing department vision and strategies to support company goals and receives guidance from more senior leaders
BA/BS degree or suitable work experience
3+ years of experience within a financial services/PCI environment
7+ years of experience in positions with application development, maintenance and support
Solid working knowledge of Credit Gateway organization and its operations
Demonstrated project/program management experience
Strong negotiation and facilitation skills
Ability to drive stakeholders to decisions
Ability to be flexible and adaptable to changing priorities and deadlines

179

Credit Ops Senior Specialist Resume Examples & Samples

Requires 2+ years of experience preparing commercial loan or SBA or mortgage loan documents, including experience with due diligence related to loans
Prefer experience with commercial real estate, title work, surveys, construction lending & loan documentation and the laws and regulations affecting documentation and perfection of collateral
Prefer thorough knowledge of commercial loan products, business loan sales and underwriting processes
Excellent attention to detail, communication skills and PC skills

180

Credit Union Resume Examples & Samples

Responsible for all day to day operations for all plastic card programs and serve as liaison to all plastic card vendors. Develop and analyze reports to resolve items and identify potential problems
Posts daily ACH, Share Draft and ATM files and makes appropriate adjustments as needed, reconcile general ledger accounts, and posts exceptions
Administers ATM programs, ATM Cash management and vendor management
Share Branching adjustments and support
Processing member wire requests, return deposits and disputes processing/resolution for ACH, Drafts, Share Branch and Cards
Monitoring system reports, as assigned

181

Citibank Berhad Kl-credit Lending Unit Head Resume Examples & Samples

Master or PHD degree in finance, economics or accounting
5-7 years experience working in a financial institution in a credit role for a medium size country CLM Head role, 7-9 years experience for a large country
Proven leadership ability
Strong analytical skills, including the ability to read and interpret company financial statements, cash flow, and industry and competitive analysis

182

Credit Suppt Assoc Resume Examples & Samples

Must have working knowledge of creditB
Clear and consice verbal and written communication skills
Operate effectively in a virtual team enviroment across geographic boundaries
Adptability to continous learning and change
Strong leadership and decision making ability

183

Cbna-o&t-credit Initiation Team Leader Resume Examples & Samples

Ensure policy and procedural compliance of all functions conducted within the unit
To achieve performance benchmarks (qualitative and quantitative)
To contribute to MIS capture and analysis
Proactively approach process improvement and policy compliance to identify opportunities for increased control, productivity, customer service and satisfaction levels
Provide support and expertise as required to direct reports, through assisting in problem resolution
Coach and monitor agents to meet and maintain performance benchmarks (qualitative and quantitative)
Maintain and report meaningful MIS to ensure optimum departmental efficiency and accuracy
Develop & maintain beneficial working relationships with all stakeholders
Responsible for making decisions on training requirements for team members and adjusting targets to suit the needs of the business
Responsible for all HR-related issues affecting team members including regular performance evaluations, confirmations, promotions and terminations
Takes ownership and accountability over problem resolution
Owns responsibility for call monitoring, coaching and feedback, and successful delivery of the defined customer experience
Candidates must have worked in Citi for 18-24 months and delivered consistently high performance
Should have experience in Credit Operations
Analytical ability
Ability to make sound management decisions
Effective time and stress management skills
Self-motivated and can work with minimal supervision
Flexible leadership style
Strategic management thinking
Effective crisis management skills and adept in resolving conflicts
Strong problem resolution and analytical skills
High proficiency in the skills required for current function/s handled
Strong knowledge of policies and procedures covering processes handled by the unit
Computer literate (Knowledge of MS Office)

184

Credit Ops Senior Specialist Resume Examples & Samples

Requires experience preparing commercial or mortgage loan documents, including experience with due diligence related to loans
Prefer 5+ years experience with commercial real estate, title work, surveys, construction lending & loan documentation
1+ years compliance experience preferred

185

Specialist, Credit Union Branch Resume Examples & Samples

Loans: Serves as loan officer. Process and approve all types of loans provided at the credit union within the limits defined by Management. (40%)
Member Service Representative: Answer member’s questions. Open and close accounts. Issue debit cards for members. Process and maintain IRA’s accounts. Resolve member’s issues regarding their accounts. (20%)
Teller: Serves as a Teller as needed. (20%)
Other responsibilities: Manages day to day operation in absence of Credit Union Manager. Serves as loan collector as needed. Other duties as directed by management. (20%)

186

Credit Approver Resume Examples & Samples

Review MME and SME credit applications, perform credit analysis and provide recommendations on credit approval
Liaise with relationship managers and conduct customer calls / factory visits as required; make recommendation on credit approval
Interact with other departments where necessary to ensure approval conditions are met
Conduct ad hoc projects as needed
Degree holder with minimum 8 years of experience in commercial bank lending, remedial management or MME / SME relationship management
Must be Cantonese and English spoken
Highly independent with strong self-initiation and is able to work under pressure with minimum supervision
Must be a team player as well

187

Credit Strategies Specialist Resume Examples & Samples

Uses proprietary models to devise and initiate stress tests to measure the impact of economic and other variables on the credit portfolios
Develops core set of surveillance tools to identify deteriorating portfolios, excess concentrations and low risk-adjusted return businesses
Plays a key role, in conjunction with Treasury and the Economics Group, in Scenario Planning. Writes multiple scenario descriptions and estimates the impact on the firm’s credit portfolio under each. Regularly discusses findings with senior personnel in Risk, lines of business, Treasury. Works closely with Treasury on scenario planning to ensure specific actions are developed to respond to a scenario should it arise
Assists in the development of House Limits (i.e. by asset class, industry, geography, single-name, product, etc.)
LI-JB1
Master’s/Advanced Degree
Required license(s) or certification(s) CFA
Years of functional/professional experience 5 years or more of experience in credit risk management
Aptitude for credit market valuations and exposure to portfolio analysis or quantitative portfolio modeling
Strong advanced modeling skills in SAS, R, SPSS or similar
Proven experience with Bloomberg and SNL required
Proficient at working with, and analyzing, large relational databases
Prior exposure to the credit capital markets; particularly credit default swaps, bank loans, fixed income or structured credit products
Strong understanding of macroeconomic and econometric concepts, and implications on risk in a financial institution
Excellent communication skills; extensive experience presenting findings/recommendations in a clear/simple fashion to C-level executives
An inquisitive nature, strong communication skills, detail orientated, advanced interpersonal skills; accuracy, focus and teamwork are required

188

Credit Approval Avp-mme LC Energy Resume Examples & Samples

Work Environment
Minimum of ten years proven, progressive and broad-based credit, lending and/or workout experience or equivalent, including a minimum of five years proven experience assessing financial institutions risk or equivalent
Bachelors degree in business, finance, related field or equivalent experience
Strong financial, technical, interpersonal, diplomatic and analytical skills
Thorough knowledge of the Company's credit policy and legal documentation as it applies to the Bank’s Global Businesses and credit products
Familiarity with all aspects of product development, marketing strategies, operations, legal and regulatory matters as well as existing industry practices

189

Cib-credit OTC Affirmations Resume Examples & Samples

Affirmation of Credit Derivative Trades and Legal confirmations
Understand legal aspects relating to Derivatives confirmations
Drive Efficiency in the current process
Calls with Global Partners and Middle Office teams
Building and sustaining, strong working relationships with internal Lines of Business with Middle Office, Front Office and internal Counterparts
Identifying incorrect booking practice and educate Middle office on the impact
Ensuring all issues are investigated and resolved in a timely manner as per Business Standards
Understand and ensure process controls and regulatory requirements
Liaising with external counterparts (G15 banks/Clients) to negotiate and affirm legal confirmations
Publish internal management MIS to track performance of regulatory targets
The candidate must be a motivated individual with a strong Partnership abilities
ISDA knowledge and Credit Derivatives Product knowledge is preferable
Rates Derivative experience preferable
The individual must be able to: handle a high level of complexity in their product coverage, be able to shift gears with relative ease, be flexible enough in shifting workload in accordance with changing priorities and be comfortable dealing with a stressful and fast paced Trading environment
The candidate should be flexible to work in all shifts
Graduate with 2-4 yrs of experience
Experience/working knowledge of Derivative products
Quasi Legal background would be an added advantage
Shift Flexibility is a must

190

Credit Alternatives Resume Examples & Samples

Analyzing potential investment opportunities via offering memorandum review, industry research, financial modeling, financial statement review, interaction with and assessment of management, use of consultants, speaking with customers/suppliers, etc
Preparing brief screening memos for new investment opportunities and investment committee memos used for formal investment approval process
Interfacing directly with private equity funds, C-level executives, other professionals within Goldman Sachs and third party due diligence providers during deal origination and execution process
Participating in the transaction closing process which includes legal documentation and funding operations
Performing ongoing due diligence and monitoring of portfolio companies and communicating updates to the investment committee (orally and in writing)
1-2 years of experience in investment banking (leveraged finance, sponsors group or M&A preferred, but not required), private equity, private credit, management consulting and/or other relevant fields
Interest in investing in different industries
Well-rounded team player with energy and enthusiasm
Accounting knowledge and financial modeling aptitude (required)

191

Asia Private Credit Opportunities Resume Examples & Samples

Conduct independent fundamental credit analysis, due diligence and approval of new investments
Calibrate financing needs and structures for prospective borrowers
Financial modelling of investment opportunities
Interact with management teams, industry sources, and other investment professionals
Seek solution to deal structures and issues within the boundaries of fund parameters with external participants
Full involvement in the investment evaluation process including attendance at management presentations, review of due diligence reports, and preparation of internal investment in conjunction with the Portfolio Manager
Presents Portfolio Manager and Investment Committee with a clear and consistent approach to mitigate credit, legal, industry and other relevant risks
Champion selected investment opportunities through the investment process until completion
Provides input on terms and conditions for transactions and works with the Portfolio Manager and legal to ensure appropriate documentation
Negotiation and review of transaction legal documentation and liaising with internal and external legal advisers
Ongoing monitoring of portfolio assets including waivers and amendments, contributing to the quarterly fund valuation process and reporting to investors
Involvement in providing portfolio reports and analytics for internal and external use
Adhere to investment process and operational standards
Help identify and manage operational risks
Excellent credit skills demonstrated through prior relevant experience (5 to 10 years) underwriting, structuring and executing direct lending/private debt/private equity and/or leveraged finance transactions
Ability to direct the negotiations and structuring of a transaction to complete investment opportunities
Strong financial modelling and legal documentation skills
Flexible, responsive with keen attention to detail
Open-minded thought process and intellectual honesty with an ability to dynamically adapt to different parts of the credit spectrum in structuring the best possible risk-return outcome for our investments
Excellent written and verbal communication skills – presents ideas in a clear, concise and constructive manner
Excellent academic background
Must be fluent in English
Fluency in Bahasa Indonesia/Malaysia strongly preferred

192

IMD, Gsam, Credit Alternatives Resume Examples & Samples

Identifying and sourcing potential investment opportunities
Analyzing potential borrowers via on-site due diligence, financial modeling, financial statement review, interaction with and assessment of management, use of consultants, speaking with customers/suppliers, among other things
Preparing an investment committee memo and presenting a recommendation to the Credit Alternatives private investment committee (orally and in writing)
Preparing term sheets and negotiating key terms and conditions of the transaction
Managing internal and external counsel to document and execute transactions
Performing ongoing due diligence and monitoring of portfolio positions and key credits in those industries, and communicating updates to the investment committee (orally and in writing)
Assessing ongoing valuation of portfolio positions
When necessary, negotiating and executing amendments, work-outs and restructurings of portfolio positions
5-8 years of experience in debt underwriting in private credit markets
Significant prior experience with privately negotiated debt transactions with sponsored and unsponsored companies
Strong financial modeling
Strong documentation expertise (1st lien, 1st/2nd lien, and bifurcated unitranches)
Good mathematical grounding
CFA study (at any level) a plus

193

SVP, Global Credit Product Resume Examples & Samples

Serve as the strategic business leader of a direct report team, with matrix responsibility to the regions
Demonstrate in-depth knowledge of Visa’s capabilities and be able to apply them to develop meaningful product solutions to address our most important priorities
Build a leading edge team of product innovators who anticipate and deliver on existing and future client, industry and competitive needs
Energize and improve the status quo using creativity and intelligent, calculated risks to deliver new products and processes that surpass clients’ expectations, demonstrating new methods, capabilities, and mindsets
Build a team of top credit product management talent. Continuously recruit, coach and develop the best product talent in our industry, setting a high bar for performance and business impact, ultimately feeding this talent elsewhere in the organization
Inspire the Global Product organization and others through demonstrated delivery and results
BA/BS required; MBA a plus
15+ years payments industry or similar relevant experience
10+ years product design/development experience, with a strong focus on innovative product development
Exceptional change leadership skills with experience driving change in large organization
Proven ability to work with limited direction, usually within a complex and often ambiguous environment, to drive results
Fluency and experience interfacing regularly with executive management
Analytical thinker, team oriented, collaborative, diplomatic, and flexible, with excellent presentation skills, including strong oral and writing capabilities

194

Premium Assignment Corp Credit Resume Examples & Samples

High School Diploma or GED, Bachelor’s degree preferred
2 years of customer service experience, preferably in a financial services environment
1-2 years of underwriting experience preferred
10 Key experience strongly referred
Enthusiasm and a team player approach are essential in this role
Self-motivation and the ability to work independently to achieve goals set by manager
Proficiency with Microsoft Word and Excel

195

Ipld Credit Director Resume Examples & Samples

Responsible for negotiating, approving, or declining commercial real estate (including multi-family), business and private banking and construction applications while maintaining appropriate risk exposure consistent with bank policies and guidelines and targeted measures of profitability
Responsible for recommending credit applications over assigned approval limits to senior approval authority. Analyze risk within risk rating guidelines, evaluate credits, make appropriate recommendations, and monitor collateral values, valuation dates, and methodology
Monitor loan quality and risk performance of assigned portfolio with appropriate feedback to senior management by credit approval officers. Continually review and take action on past due accounts, expired lines, and out-of-order accounts
Partner with Credit Managers and Underwriters to develop effective and complete loan application packages to ensure a streamlined application/approval process. Assist Special Assets in monitoring major problem credits and developing appropriate action plans
Responsible for participating in the development and retention of customer relationships. Coordinate with internal (Appraisal, environmental, and legal departments) and external (Title, escrow, and public searches) service providers to facilitate effective collaboration throughout the credit decision and documentation processes
Responsible for managing the level of commercial authority for all lenders. Provide direct coaching, mentoring, and supervision of subordinate staff
Administer bank policies and procedures. Remain current on banking laws and regulations. Recommend policy changes as necessary. Monitor industry developments and trends
Develop plans for expansion of lending into new product and markets. Participate in structuring technologically advanced platforms for the management and reporting of loans. Establish underwriting and processing hubs to support portfolio growth (CRE and Multi-Family only)
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."
Bachelor’s degree in the field of Business, Finance, or other related field required
MBA or equivalent advanced studies degree preferred
8+ years of experience in senior credit approval/commercial lending and/or underwriting
8+ years of supervisory/management experience
Extensive knowledge of financial institution credit policies and procedures
Extensive knowledge of commercial, multi-family and commercial real estate (owner occupied and income property), small business and consumer and residential construction lending
Possess strong analytical, negotiation, problem solving, interpersonal, and public relations skills
Possess excellent written and verbal communication skills
Advanced knowledge of credit risk factors and ability to appropriately rate credits
Experience in modeling and evaluating CRE lending programs. Experience in underwriting and securitizing CMBS type loan programs (Multi-Family only)

196

Team Head, Credit Lending Unit Resume Examples & Samples

Degree holder with at least 8 solid years of experience in a credit analyst role in commercial bank lending, remedial management or relationship management, and out of which 4 years of people management experience
The ability to thrive in an entrepreneurial organizational structure and add value by bringing an optimistic, proactive approach to the work they do
Ability to embrace new technology and understand the role digital plays in the experience we deliver for our clients
The ability to communicate effectively with Sales and Risk teams in order to resolve issues in a timely and efficient manner

197

Director, Specialized Credit Group Resume Examples & Samples

Minimum 2 to 5 years related experience; MBA, CFA or other relevant professional designation preferred
Unquestioned professionalism, ethics and reputation. Approach to the workplace that is based on open communication and a team atmosphere
Solid understanding of specific industry, including fundamental market factors, and capital markets activity and influences
Sophisticated analytical skills including extensive experience in analyzing financial statements in order to assess credit risks
Ability to research and monitor large volumes of information from various sources, gather data and perform analyses on an ongoing basis
Well-developed oral and written communication skills to effectively communicate complicated concepts and financial data to senior management
Excellent organizational and time management skills to deal with multiple and sometimes conflicting demands and time constraints. Excellent adaptability and flexibility to deal with a rapidly changing environment
Well-developed problem-solving and decision-making skills

198

Credit Alternatives Resume Examples & Samples

Identifying potential investment opportunities
Analyzing prospective investments via financial modeling, financial statement review, interaction with and assessment of management, use of consultants and sell-side analysts, and speaking with customers/suppliers/competitors, among other things
Preparing investment memos and presenting recommendations/findings to the GSCA investment committee
Performing maintenance due diligence, monitoring portfolio positions and key comparable companies, analyzing company and industry related news/trends/events/transactions/key-statistics, and communicating updates to the investment committee (both orally and in writing) in a timely and efficient manner
Conducting ongoing valuations of portfolio and comparable company securities
2 years of experience in credit analysis or a related discipline (banking, financial modeling, buy-side or sell-side)

199

China Head of Regional Credit Resume Examples & Samples

Manage a team of officers in Independent Risk that provides Risk sign-off on Global Banking China credits and deal driven credit requests
Provide industry and product inputs; assist in the structuring of credit transactions as required by partners in the product and coverage groups
Work closely with Global Banking and product teams to identify target market additions and deletions by reference to credit quality and return thresholds
Analyzes risks and returns in terms of its potential impact on the capital and P&L relevant to the business unit, transaction and product
Managing credit exposures within the portfolio, including stress testing and early problem recognition
Recognizes and scopes franchise risk and matters of fraud. Elevates issues as necessary and appropriate
Stress testing, Basel impact analysis and risk / reg capital assessments
Identify and execute risk mitigation to create new risk capacity, reduce risks & concentration and to improve returns / capital allocation
Joint management with IRM of classified substandard and worse exposure; availment approvals for Classified accounts
Active participation in local governance committees where Credit Risk involvement is required, for example, New Products Approval Committee
Interface with local and global regulators via reports, presentations and meetings
Responsible for local Credit Programs and Product Programs Involving Large Corporates and Public Sector Customers
Demonstrates technical expertise, strong understanding of products and associated risks
Qualifies for or has potential to be a Risk Senior Credit Officer Level 2 designation
High degree of familiarity with Citi’s credit philosophy, policies and procedures
Knowledge of or exposure to other Risk disciplines a plus
Strategic insights and sensitivity to macro and regulatory issues
Able to discuss and address issues associated with the allocation of RAP assets and risk capital, in partnership with banking and product organizations
Familiar with Key Risk Indicators that are relevant to the areas covered; Understands how they are collected
Strong people and process management, mentoring and coaching ability
Able to develop/implement talent plans incorporating the right staffing mix, succession and plans for professional/career development
Regularly and clearly communicates with staff and Banking and Product partners and ensures key messages are cascaded throughout the organization
Communicate and training on credit policy, documentation and risk appetite and deal structuring
Franchise and Reputational Risk - Ability to make decisions on matters pertaining to franchise and reputation risk. Experience in dealing with internal and external counsel effectively
Problem Recognition - Ability to proactively manage risk and identify negative trends
Macroeconomic and Political Environment- Proactively and transparently adjusts risk appetite for changes in country risk
Risk Infrastructure -Collaborates across risk disciplines in order to improve the capture and control of risk across the firm; Recognizes when to consider metrics from other risk disciplines and includes them in analysis to arrive at optimal solutions
Excellent analytical and structuring skills - Able to manage large volume deal flow; Proficient analytical skills that are applicable across different industries, products and customer classes. Coaches junior staff, challenges their conclusions and assumptions
Decision-Making and Approval: Makes decisions (using well reasoned judgment) under pressure and in a timely manner; Identifies and assesses alternatives as part of the decision-making process. Focuses and guides the priorities of others; Incorporates capital and P&L implications into decision-making process
Strong leadership. Dynamic, flexible, and communicative. Ability to see the ‘big picture’ in a complex environment
Excellent verbal & written communication skills. Active listening skills
High proficiency in reading, writing and speaking English and Mandarin

200

Local Administrator Credit Cards Resume Examples & Samples

Handle credit cards application
Handle support requests from cardholders
Follow-up on overdue payments
Card termination
Handle change management
Secure and drive process adherence
Purchase to pay activities
University degree
Purchase to pay process knowledge and experience would be a plus
LI-DV

201

Cib-credit Drafting Resume Examples & Samples

Collateral Margin Call Exchange and New Business Coast Set up
CA/ MBA with 6-7 years / Graduate or Post-Graduate with 8-10 years experience in operations
Familiarity with a global bank's process & operational environment including management and external reporting is a must. Strong business knowledge i.e. Investment Banking, including OTC product, process and system knowledge
Ability to think and act strategically

202

Credit Professional Resume Examples & Samples

Evaluate credit risk transactions based on the availability and appropriateness of arrangements for reducing risk or risk mitigation
Ensure all underwriting standards are fully consistent with applicable regulatory requirements, board approved Credit Standards, and Risk Acceptance Criteria approved by the Firm Credit Risk Committee
Perform ongoing portfolio risk reporting and monitoring of securities
Support on-going projects
Superior written and verbal communication skills
Quantitative and analytical orientation
Ability to manage dynamic priorities
Ability to work well in a team environment
Background in finance preferable
Strong internal and external customer focus
Ability to work on multiple tasks accurately and with attention to detail in a fast paced, demanding environment
Highly effective oral, written and interpersonal communication skills
High energy level and the ability to work independently and in a collaborative environment
Working knowledge of Outlook, Word and Excel (Strong Excel, VBA and Microsoft Access a plus)
Strong leadership and training skills
Previous experience in Finance or Credit Risk a bonus

203

EM Credit Trade Management Resume Examples & Samples

Trade booking and validation in Front Office systems e.g. DOMAN & GBB
Daily control execution, reporting and break resolution
Lifecycle event monitoring and action (Expiry/Exercise/Novation/Termination)
Lead role in current drive to automate trading flows and allocations
Involvement in projects (e.g. Front Office Sourcing, LEP, UAT) and ad-hoc tasks

204

Credit Resume Examples & Samples

Enter, review, and decision new account applications from multiple channels: stores, online, and/or customers responding to promotional invitations
Process, review, and decision register referrals, Nordstrom Direct transactions, and credit line increase requests
Answer complex inbound account inquiries by applying advanced knowledge of Visa, Retail, Corporate Card, Debit, and Gift Card products
Answer and resolve escalated customer, store, and helpline calls
Locate account numbers for Visa, Retail, and Debit cardholders shopping in Nordstrom stores
Support store sales and growth of Nordstrom tender and Rewards programs
Answer basic inbound account inquiries and apply knowledge of Visa, Retail, Corporate Card, Debit and Gift Card products
Assist customers responding to store event invitations and other marketing related activities
Troubleshoot customer inquiries regarding online enrollment, password, sign-on issues and other online related questions
Review and process requests for account maintenance, status updates, payments, errors and letter requests
Educate customers on Nordstrom Rewards and other available reward benefits

205

Director, Consumer Credit Card Products Resume Examples & Samples

Grow Visa’s market leadership on cards in Singapore and by enabling continued growth of key clients
Achieve client specific product and volume targets as per agreed budget targets
Partner with business development mangers in identifying high potential new business opportunities to launch/ upgrade credit products and provide product support from the initial pitch to their public launch and in the ongoing development of the business
Actively consult with, and provide product knowledge and expertise to the sales team in Singapore to win new mandates for Visa in Singapore
Support growth of Visa credit portfolio in Singapore with a focus on driving online and international usage and online channels
Working closely with Singapore team, manage day to day implementation and execution of credit product strategy / plans on time and within budget
Interface with clients from time to time assisting them with credit product support and pushing forward the credit agenda
Being a credit products advocate in the Singapore, work with cross functional partners to ensure that credit considerations, programs and product pilots/ developments are top of mind

206

Credit Team Leader Resume Examples & Samples

Overseeing a team of 10 Credit Analysts nationally which includes taking responsibility for the team's development, commercial outcomes and daily management
Building strong and mutually beneficial relationships with our third party introducers and internal stakeholders
Overall risk oversight, ensuring credit policy is maintained and applied and appropriate credit decisions are taken
Assisting with workflow management
Liaising and managing relationships with internal and external stakeholders
Creating and implementing a National Team approach
Proactively drive the success of Macquarie Leasing by liaising closely with colleagues in both branches to achieve consistency and beneficial outcomes across the board, with a National focus
Assisting the National Team Leader with day-to-day duties
Providing outstanding and professional customer service to our introducers
Excellent presenting, coaching and training skills
Tertiary qualifications preferred
Strong people skills with an emphasis on giving and receiving constructive feedback
An ability to thrive under pressure, demonstrating a flexible attitude to change
Sound time management skills
Ability to skilfully explain credit decisions
Confident with managing commercial negotiations
Demonstrated track record of superior customer service is vital for the successful candidate

207

Early Stage Credit Counselorr Resume Examples & Samples

Incumbent may perform any or all of the following in front-end collection functions
High School diploma or GED
Minimum one year customer service experience
Typing or keyboard proficient
Ability to communicate effectively and professionally over the phone
Good customer service skills
Previous collection work experience
Knowledge of State and Federal regulations and Bank policy for all states that the Bank conducts business in
Bilingual in English and Spanish

208

Credit Administrative Assistant Resume Examples & Samples

Professional and articulate
Ability to work independently and with multiple levels within the organization
Excellent time management and organization skills
Working knowledge of all Microsoft Office applications

209

Credit Resume Examples & Samples

Implement and maintain real-time workforce management processes for multiple departments across two locations, including Customer Service, Fraud, Account Services, Operations Support, and Work at Home
Administer Aspect Workforce Management (WFM) software and ensure optimized utilization of WFM tools. Utilize Aspect WFM to monitor and oversee daily service levels and optimal personnel balance
Provide support and partnership to the Credit Operations Team by analyzing options and implementing process improvements to better serve customers and drive efficiencies
Anticipate future business changes and challenges and proactively develop and implement new or revised plans to maintain a competitive environment by staying current on Call Center industry practices and issues, assessing and communicating their potential impact on our business
Provide analytical support including capacity planning, scheduling, and reporting. Establish and maintain communication channels regarding events that impact call volume
Ensure alignment on priorities and strategic direction by partnering with other business units and leaders
Serve as Subject Matter Expert and assist with all workforce-related tools including Avaya and Aspect WFM systems
Uses good judgment in all situations and strives to deliver unmatched customer service
Complies with the Nordstrom Code of Business Conduct and Ethics and the Nordstrom fsb Bank Supplement to the Code of Business Conduct and Ethics, Information Security Guidelines, all other company/department guidelines
Collect information to analyze and evaluate existing or proposed processes and or systems
Write and maintain process and/or system documentation
Analyze and evaluate present or proposed initiatives and/or issues and develop insights to support the business
Participate in a variety of business process reviews and/or testing of internal controls
Translate customer needs into effective, valuable solutions and communicate solutions to appropriate parties
Ensure accuracy and confidentiality of information being processes, stored, or accessed
Support and drive process improvements
Work with other groups to ensure compatibility between processes and/or systems

210

Cbna-o&t-credit Initiation Team Leader Resume Examples & Samples

Provide support and expertise as required to the team, through assisting in problem resolution
Vendor management, capacity planning, volume management, escalations management
To take the lead in COB testing, UAT testing, migrations (and the like) related to the unit handled
Responsible for making decisions on training requirements for the team and adjusting targets to suit the needs of the business
Owns responsibility for monitoring, coaching and feedback, and successful delivery of the defined customer experience

211

Cib-qr-wholesale Credit Capital Modeling Resume Examples & Samples

Help design and enhance risk models used for regulatory capital modeling (Basel/CCAR). Primary focus is Loss Given Default (LGD) models
Perform risk analytic tasks including data processing (using various databases and platforms) and statistical analysis
Explaining the drivers behind model behavior and impacts of model updates to various stakeholders across the firm
Developing documentation and materials that enhance the understanding of wholesale credit risk models
Technical skills: Python/R programming, subversion, database and SQL/Oracle
Graduate degree and experience in either computer science or a quantitative discipline (e.g. engineering, sciences, computing, statistics, or mathematics), or financial economics with quantitative background
Strong quantitative, analytical, and problem solving skills
The ability and motivation to take initiative and solve problems independently
Experience in wholesale risk models, regulatory frameworks, risk analytics a plus
Understand external market conditions and regulatory policy changes
Proven ability to develop collaborative relationships with key internal partners to achieve objectives
The ability to handle multiple initiatives/projects/work streams simultaneously
Experience working with regulators and/or risk experience from financial services institution a plus

212

CBG Division Credit Mgr Resume Examples & Samples

Responsible for the regionalization of the Credit Analysis team and the Underwriting Functions
Implements policies and procedures to comply with fundamental business and credit priorities of the Bank
Establishes pricing for loans within guidelines established at the Division and Group level; provides input regarding loan product pricing and features for loans over approval authority
Represents the Bank as appropriate in its relationships with joint ventures, major customers, suppliers, competitors, government agencies, professional societies and similar groups
Makes recommendations regarding the Bank’s product and market coverage in collaboration with research, product development, marketing, pricing, and operational activities
Bachelor’s Degree in Management or Business-related subject required
Master’s/Advanced Degree in Management or Business-related subject preferred
15 or more years of credit-related experience
5 or more years experience managing a credit function and staff
Thorough knowledge of commercial lending, sales, and financial service needs of middle market and large corporate companies
Thorough knowledge of industry/market assigned
Demonstrated management skills
Negotiation skills

213

Standby Letter of Credit Resume Examples & Samples

Ensuring that all transactions are issued/advised/amended/paid, second checked and released as instructed, reconcile by end of day
The work in process queue and error queue are reconciled and all items assigned are accounted as requested reconciled
Assist management with the daily work flow and monitor pending transaction
Second check and verify transactions
Ability to perform reconciliation of L/C fee received/paid against the accrued amount or pending bills in the system, ensuring that fees are properly received and applied
Check L/C documents as per L/C terms and conditions, process payments and perform entries in accordance with the presenting/negotiation bank’s or beneficiary’s payment instructions
Follow ups on pending transaction, unpaid fees and bills and tracers as per proper procedures
Perform excellent back up functions as necessary
Ability to conduct operations training to the team members by providing the necessary knowledge and skills in handling all types of transactions
Assist the management in preparing various internal/external and special projects with the required data and accurate information
Perform follow up reconciliation as per internal procedures and audit guidelines
Report and resolve an identified irregularity in accordance with established procedures
Respond to all inquiries received from client, Front Office, and correspondent banks providing the required information accurately for the timely resolution of such queries. Provide the management with the status of backlog and escalate immediately for any incident
Provide prompt and reliable customer service consistently to improve the departmental goal of delivering a high quality customer’s satisfactory

214

Credit Policy Resume Examples & Samples

Assist in the development and maintenance of credit policies and procedures including
Active involvement in cross-functional working groups focused on credit risk management policy initiatives
Develop and prepare approval committee materials and presentations
Coordinate and prepare regulatory presentation materials for FRB, OCC, SEC, FINRA, CFTC, etc
Prepare senior management reports on regulatory exams and internal audits
3+ years of relevant experience, such as in the credit risk function of a large financial institution, with a rating agency or with a credit risk management consulting firm
Strong analytical thinking and problem solving abilities
Knowledge of credit and financial products and financial markets
Ability to think strategically and develop solutions in a dynamic environment

215

Structured Credit Resume Examples & Samples

The role requires taking responsibility for the creating of a structured solution and its execution which will involve the securitisation of trade receivables
Post launch it will require the ongoing management of the portfolio, assessing credit risk, portfolio compliance, reporting and collections management
The Structured Credit Manager will need to be highly knowledgeable regards structured pooling of collateral, and ideally have experience in the trade receivables arena, and be acutely aware of legal and tax considerations for packaging collateral into special purpose vehicles
This boutique firm provides significant deal infrastructure including bespoke IT and servicing processes as well as access to legal, accounting, transaction counterparties and banks. The Structured Credit Manager will need to co-ordinate between the various internal and external deal parties to design and execute a structure that optimally accommodates their interests. In addition, he or she will need to be able to clearly explain the transaction mechanics to trade suppliers, corporate debtors, joint venture partners and team members
Ensure cash settlements and post trade documentation are accurate and timely
Obtaining necessary data, and setting and managing timeline for all deal parties
Implement credit monitoring and legal and process infrastructure for issue resolution

216

Credit Administration Team Leader Resume Examples & Samples

Leads a team of credit administrators and other staff who facilitate commercial and/or real estate loan originations by working with line officers in structuring and development of loan proposals to meet the customers’ or prospects’ needs while conforming to bank and regulatory requirements. Directly handles significant, highly complex loans and makes joint calls as needed
Reinforces adherence to bank underwriting policies and procedures and growth, quality and profit objectives through the loan approval process
Implements and reinforces policies and procedures to comply with fundamental business and credit priorities of the bank
Directly supervises credit administrators including selection, development, and performance management. May also have responsibility for managing other related functions such as agricultural field representatives
Develops and conducts training classes on new or updated procedures
Ensures monitoring compliance with internal and regulatory requirements
Interacts with internal and external auditors on regulatory issues of quality and on related trends
Performs reviews of specific portfolio composition and quality as assigned
Bachelor’s degree Required
Over ten years
Thorough knowledge of commercial and/or real estate lending policies, practices, documentation, and legal and regulatory requirements
Thorough knowledge of financial statement, business, industry and economic analysis
Management skills

217

Senior Specialist, BB Credit Resume Examples & Samples

Daily download from CWA for nationwide Middle Market and Private Bank Regions
Satisfactory understanding and knowledge of commercial credit policies, procedures, and document preparation systems
Ability to work well individually as well as part of a team
Accomplished self-starter and well-organized in thought and action
Satisfactory knowledge and proficiency in working with personal computers and business software (e.g. Microsoft Office - Word, Excel, Access and PowerPoint)
Familiarity with, and understanding of, traditional and automated commercial credit underwriting/approval methodologies and their use. Knowledge of bank accounting systems including Hogan, CL3, Client Data Tracking (CDT), Credit Write-up (CWA)

218

Credit Director Resume Examples & Samples

Bachelor degree or equivalent
Professional Qualification in the field of Credit Management
Understanding of credit banking/security documentation
Operation of Credit Insurance
Skilled in using logic and reasoning to identify the strengths and weaknesses of alternative solutions, conclusions, or approaches to problems
Skilled in motivating, developing, and directing people as they work, identifying the best people for the job
Ability to analyze, develop and interpret financial data
Communication skills (oral and written)
Negotiating skills
Influencing skills/Stakeholder engagement skills
7-10 years previous supervisory credit control experience in a large International fast paced company
Experience demonstrating how to add value to the business through decision making
Demonstrated experience influencing to an SVP level, overcoming and managing multiple conflicts / dependencies

219

FID Structured Credit & Notes Trade Management Resume Examples & Samples

Structured &complex trade booking and validation in Front Office systems e.g. DOMAN & GBB
Daily PnL generation, control execution, reporting and break resolution
Query Resolution
Lead role in TM support for the Singapore Structured Notes Project
Involvement in other projects (e.g. Front Office Sourcing, LEP, UAT) and ad-hoc tasks

220

Credit Union Resume Examples & Samples

Reviews and understands the policies and procedures as it pertains to their job responsibility
Performs all requirements of processing 1st and 2nd Trust Deed Mortgages for submission to obtain final loan approval
Proactively and consistently communicates with the borrowers, loan officer and referral partner with regard to the status of the loan filed
Reviews loans and renders a preliminary credit decision based upon documentation received for loans within their lending authority
Submits loan to the underwriting department and processes requirements of underwriting decision: Insures that all required pre-closing quality assurance requirements are met in accordance with investor and credit union policy
Responsible for daily updates, approved loans: communicate required conditions to all parties involved, suspended loans: obtains missing documentation and denied loans: discuss options with loan officer and if no options available issues denial in accordance with company requirements
Responsible for immediate communication to all appropriate parties on any significant problems or discrepancies regarding individual loans, loan referral sources and/or vendors. Continuously re-validates the initial underwriting decision
Responsible for making sure that all federal, state and agency compliance standards are adhered to as defined in the corporate operations manual
Making sure that all loans are processed in accordance with requirements of product description sheets and secondary market guidelines
Assisting the post-closing and/or quality control department in obtaining any missing documentation needed in order to render a loan saleable into the secondary market
Acts as a liaison between the borrower and other departments
Possess a Bachelor’s degree
Have a minimum of three year experience in Real Estate Loan Processing
Comprehensive understanding and knowledge of current residential lending guidelines
Current knowledge of federal and state laws pertaining to the mortgage‐banking industry
National Mortgage Licensing System (NMLS) will be required
Possess a high sense of urgency, attention to detail, initiative and integrity
Have exceptional interpersonal, customer service and communication skills
Pass a pre-employment background and credit check
Ability to process a caseload of 50 loans per month and close a minimum of 15 loans per month

221

Specialist Credit Cibw Wealth Resume Examples & Samples

The role will be an instrumental part of creating a solution based approach to Lending within Absa Wealth
Work with the Wealth managers on Key Client interactions around more complex credit needs and deal structuring leads
Provide financial analysis and structuring advice on these non standard deals
Presentation of complex transactions into AW and Abcap credit committee
Introduce specialised transactions into Absa and Barclays Group specialist areas
Be responsible for structured lending targets within designated team and region
Responsible for the credit and specialised lending strategy for the team and or region
Responsible for the sourcing, negotiation, execution and implementation of structured credit transactions in teams and or region
B-degree in Business or Commerce, Accounting, Mathematics
At least 3 years experience with in a credit environment in a leading financial institution
Assessing relevant credit documentation
Credit product knowledge
Market and customer understanding
Understanding current tax and accounting standards
Modelling skills

222

Credit Cards Resume Examples & Samples

Direct line management experience in a call center or production environment preferred
Familiarity and understanding of financial industry preferred
Proven ability to make sound business decisions
Strong performance management abilities
Solid leadership skills and ability to direct and motivate staff with integrity and ethics
Interpersonal skills and ability to work well in a team environment collaborating across diverse groups
Experience in creating and implementing processes that result in improved business performance
Ability to present a compelling case for ideas and initiatives through listening and articulating a convincing point of view
Superior execution skills with a focus on clear, realistic action steps and timelines
Effective planning and organizational skills
Solid PC skills (Microsoft Office)

223

Credit Ops Senior Specialist Resume Examples & Samples

Credit card spend and payment history
Cross line of business relationship
Commercial and personal bureau information
Secretary of State data
Cash collateral/executive endorsement, if applicable

224

Credit Ratings Resume Examples & Samples

Primary analyst for a portfolio of credits in the above mentioned regions and sectors
Analyze original, non-routine and complex situations in a timely, orderly and insightful manner
Develop and maintain a deep understanding of industry trends and issues
Actively participate in rating committees. Present findings and opinions to a rating committee
Attend meetings and interact with senior management of corporations to obtain information upon which to base credit rating decisions
Actively participate in regional and global analytical work groups to maintain and enhance our analytical industry expertise
Prepare a variety of materials suitable for publication (rating reports, press releases) to disseminate and explain our ratings on a timely basis
Prepare commentaries/ papers on areas of expertise for publication
Participate actively in publishing and sector outreach activities
4 to 8 years of significant experience in Equity Research or Credit Research
Team player, good at setting priorities and time management
Excellent presentation and writing skills
CFA is a plus

225

Credit Resume Examples & Samples

Production of the monthly mark review to ensure positions are marked correctly in the firm’s books and records
Gaining a full understanding of the products subject to valuation in the group and the relevant marking methodologies
Regular interaction and liaison with Global Product Controllers, Trading Desk, Strategists and other VRG teams regarding specific valuation issues
Preparing reports and documents that clearly explain and summarize the mark review issues for Senior Finance Management and the Business Units
Preparation of reconciliations between the firm’s books and records and the underlying positions at month-end
Involvement in balance sheet categorization based upon observability in accordance with accounting policy FAS157
Project work as required on new systems, methodology and functionality enhancements
Challenging existing processes and procedures to improve the quality and efficiency of the mark review and to proactively identify, monitor and manage both the known and unknown risk within those existing processes and procedures
Completed Bachelors degree in Economics, Finance or Business related discipline and availability to work full time
3-5 years work experience
Good understanding of financial markets and products and ability to learn new products
Solid knowledge of Excel. VBA programming knowledge is an advantage

226

Credit Ops Senior Specialist Resume Examples & Samples

Daily monitoring of application inflow and assignment to underwriters
Obtain, via communication with internal and external customers, appropriate documentation, including application, financial statements, borrower resolution and articles of incorporation, for approved credit facilities
Communicate approval of credit facility to appropriate parties
Prescreen credit request for missing information or disqualifications
Facilitate and validate collateral and guarantee documentation
Coordinate, with Commercial Loan Services, the release, substitution or addition of collateral
Maintain tracking database
Contact Corporate Liability Business Card lead requests
Monitor aging application list to ensure Regulation B compliance

227

Cib-credit Resume Examples & Samples

BA / BS degree required
Candidates should have some accounting and corporate finance coursework, experience in a Credit Risk role is a plus
Thoughtful analytical skills; able to develop, and clearly present drawn conclusions and potential solutions
Ability to multi-task and execute on a variety of deliverables
Must be able to work well under pressure on teams in a demanding environment and the flexibility to change priorities and drive new agendas
Disciplined approach to managing processes and controls
Self-starter and team player with a positive attitude and willingness to engage and participate
Proficient in Microsoft Office; knowledge of JPMC infrastructure and risk systems a plus (eg. CRI, MaRRS, Gauss)

228

Credit Initiation Assistant Resume Examples & Samples

At least 2 years experience with data entry, credit check and general administrative duties
Knowledge and experience on credit operations and assessment
Bachelor’s Degree preferable in finance or business-related courses
Good command of the English Language
Good aptitude to a computerized card processing system and operations, including Microsoft Office Suite

229

Credit Ofcr, Consumer Resume Examples & Samples

Reviews loan application and financial information; evaluates and determines credit structure and terms; fully underwrites CRR consistent with Bank format, policies and procedures; determines sources and uses of funds; analyzes industry data, competitive factors, historical performance, projected results, risks, and mitigating factors
At the direction of and/or in concert with the Relationship Manager, contacts borrowers directly, as appropriate, for additional information and details related to loan request or clarification of financial materials and resources
Coordinates loan documentation including work with legal, CLC, or other outside counsel to obtain the correct, accurate documents to ensure all loan are documented to fully protect the Bank's interests in the credit relationship. Reviews collateral periodically to minimize credit exposure. Ensures that all documentation policy exceptions are cleared within the waiver period
Collaborates with team members by providing credit alternatives and creative ways to structure credits ensuring that transactions are within profitability and portfolio risk standards. Authors credit approval memorandum
Restructures loans and/or lines of credit as required. Assumes accountability for minimizing Bank losses
Maintains up-to-date knowledge on all Bank lending policies and regulations. Confers with the Team Manager and appropriate Bank personnel regarding new/existing lending requirements and regulations
Supports relationship management team by monitoring performance of borrowers, identifying problem credits, and taking a proactive approach toward resolution. Reviews risk grading on an ongoing basis to identify potential credit issues. Escalates potential credit issues to Credit Manager and relationship team
Maintains a proactive commitment to established bank programs, such as Community Reinvestment Act (CRA) and Affirmative Action
Complies fully with all Bank Operational and Credit policies and procedures as well as all regulatory requirements (e.g. Bank Secrecy Act, Know Your Client, Community Reinvestment Act, Fair Lending Practices, Code of Conduct, etc.)

230

European Credit Structurer Resume Examples & Samples

Conducting corporate credit analysis, building financial models, helping on documentation and internal approvals and engaging with coverage and clients on origination
Following market developments, reading and understanding transaction documents and applying these against day-to-day tasks
Building and running credit and financial models
Creating and maintaining internal risk reports

231

CIB Credit Confirmations Team Leader Resume Examples & Samples

The role involves partnering and working closely with Counterparties, Internal Middle office and Front Office teams to ensure speedy execution of trades
Ensure trades are executed within the T+1 guideline as defined by the Dodd Frank Regulation
Conduct lock in calls with counterparties for faster execution
Timely escalation of unissued/unexecuted documents
Identify incorrect booking practice and educate Middle office on the impact
Follow-up persistently and intelligently with Counterparty/Front Office /Middle Office/ Documentation team for pending issues
Create process efficiencies by reviewing existing processes and recommending changes that will help create capacity
Strong product knowledge; thorough understanding of the end to end transaction cycle for derivative products
Ability to be innovative and suggest system improvement capabilities
Ability to multi task
Graduate with 4-7 yrs of experience with 3-4 years in a Derivative Operations (Middle Office / Back Office) role
ISDA & working knowledge of Derivative products is mandatory
Quasi Legal back ground would be an added advantage
Flexible with working in shifts

232

Credit Union Resume Examples & Samples

Consistently meeting established performance standards, service standards and sales goals
Developing and deepening member relationships by providing high-quality consultative service that identifies member needs and matches those needs with value-added USCCU products and services
Processing member transactions efficiently, accurately, and in a timely manner. Includes deposits and withdrawals,, loan payments, new account application, , lending applications, and all related documentation
Using credit scoring, sound lending practices and solid judgment to make lending recommendations or decisions
Ensuring compliance with all applicable laws, regulatory requirements, policies and procedures as they relate to USCCU’s products and services
Acting, on occasion, as a backup Member Relationship Specialist at other USC CU locations/branches
Have a minimum of two years experience in financial institution sales and service with a proven track record of meeting production and sales goals
Be knowledgeable in Bank Secrecy Act, OFAC, US Patriot Act, Regulation CC and funds availability, GLB and Member Financial Privacy, NCUSIF, and Truth in Savings
Be flexible with scheduling that may include occasional Saturday hours and weekday afternoon/evening hours

233

Credit Capital Markets Resume Examples & Samples

Materials for client pitches including analysis of financing alternatives, marketing and distribution strategies, etc
Frequent interaction with other teams across IBD and other divisions, locally as well as globally
Everyday contact with the public side to gather market feedback on specific companies and sectors

234

Senior Manager, Wholesale Credit Methodology Resume Examples & Samples

Participate in model development process for the Bank’s credit risk measures (e.g. borrower risk rating/probability of default, exposure at default (EAD), loss given default (LGD)) in the capacity of an credit/business expert, complementing the quantitatively focused modellers in the team
Communicate and provide training on model and methodology related changes to Users via existing communication tools (e.g. Business Purpose Lending News, Corporate & Commercial Communication) and bank-wide training sessions in order to ensure consistency in credit risk measures application across business units and that the appropriate level of capital is allocated to a transaction
Manage and coordinate quarterly User feedback forums and act as a liaison with key representatives from the Line of Business, Credit, Loan Review, and Audit across all business units in the U.S. and Canada. Gather feedback/input to bolster future model development, understand User behavior and identify methodology/guidance needs
Analyze quarterly borrower risk rating override data, identify key user behavior trends, and leverage off of on-going user feedback to produce quarterly borrower risk rating override reports for US Commercial, Canada Commercial and Corporate Banking, results of which are shared with the model developers, regulators and key stakeholders across the Bank
Maintain methodology guidelines for the credit risk measures (e.g. Risk Rating Assessment Guide, LGD Guide and EAD Guide) and liaise with developers and Users to develop and document updated methodology and related procedures and processes
Represent WCM at various committees (e.g. U.S. Commercial Risk Committee Meetings, Corporate Commercial Lending Systems Working Committee) and during regulatory reviews as a User engagement subject matter expert (e.g. OSFI, OCC)
Undertake ad hoc projects, such as methodology research (e.g. rating agency papers), peer benchmarking, and regulatory initiatives, etc
Keep abreast of Basel developments; ensure internal processes and methodologies are compliant with current and evolving regulatory requirements in order to meet and sustain regulatory capital target at the most advantageous level possible
Post graduate degree in Finance, Mathematical, Science, Engineering or quantitative discipline; PHD/Masters preferred including professional designations such as CFA, CA or equivalent
5 – 10 yrs experience in the finance industry preferably in a credit risk management or credit modelling/analytics/reporting function
Expert knowledge of credit risk management including bank credit policies and procedures, lending processes, and credit related products
Strong competence in working with Microsoft office software
Proven leadership/management skills
Sound decision making considering all relevant information
Excellent interpersonal and effective communication skills from dealing with senior executives to junior level staff
Strong relationship building skills with primary and secondary stakeholders
Advanced negotiation skills and ability to synthesize and focus on critical issues and possible solutions for stakeholders’ consideration

235

Counterparty Credit Resume Examples & Samples

Cover key derivatives counterparties such as banks, insurance companies, clearing houses including risk appetite setting
Handle trade requests and manage credit portfolios as product manager across listed and unlisted derivatives and other credit exposure products for the covered industry sectors
Liaise as necessary with other functional groups including operations, risk reporting, regulatory, controllers and capital groups
Track record of dealing with traded products and the trade approval process i.e. dealing with traders, sales coverage, and strong knowledge of derivative documentation
Strong analytical skills, particularly related to fundamental research for Financial Institutions
Ability to work independently in a self-directed way to thrive in collaborative, team oriented environment
Detail oriented with strong organizational skills, such as ability to prioritize, multi task and meet deadlines in fast paced environment
Strong communications skills, verbal and written, including ability to summarize key messages for senior management presentations
Proficient in Microsoft Office, including Excel, Power Point, Word, Project

236

Hkg-credit Markets Resume Examples & Samples

Trader role involving market making of Asia ex Japan sovereign cash and cds
Main countries are Indonesia, Philippines, Vietnam, Sri Lanka, Mongolia , Thailand, Malaysia etc
Experience in market making bonds/CDS is advantageous, though not mandatory
Consistent profitability track record is advantageous , though not mandatory
Working knowledge of sovereign cash and CDS
Understanding of macro markets and pricing of risk with application to market making
Capacity to understand or have experience in understanding credits while working with research
Articulate and client/sales friendly
Capability of generating a profitable and top market share franchise

237

Credit Card Lending Resume Examples & Samples

Help us improve by providing feedback and ideas about issues, policies, and comments you hear from customers
Customer contact center experience preferred
Minimum of 3 years of lending experience required, consumer and business credit card lending requiredd
Highly skilled in underwriting with a solid understanding of consumer credit and applicable federal and state regulations relative to consumer lending
Superior communication skills required; must be comfortable working in an environment with 100% phone-based customer interaction
Strong interpersonal skills; professional, courteous, customer-friendly, warm, empathetic, level-headed and composed
Strong analytical skills and the ability to efficiently make sound decisions based on analysis
Ability to work independently in a highly structured and fast paced environment
Engages in interactive dialogue with customers using active listening
Approach customer situations logically and with good judgment to ensure appropriate outcomes for our customers and the company
Detail oriented, critical thinker, and dedicated to accuracy
Familiar with navigating multiple browsers, tabs, and windows, and instant messenger tools

238

Credit Card Lending Resume Examples & Samples

Make sound judgmental credit decisions based on departmental procedures/guidelines, using our lending philosophy, and within your lending authority
Meet or exceed all departmental productivity and quality standards
Provide customers and Chase colleagues with a great experience by anticipating their needs, showing empathy, and ensuring their concerns are quickly resolved
Provide feedback to your manager and by using internal feedback tools about issues, policies, and feedback you hear from customers
Minimum of 3 years consumer and/or business lending experience required, credit card lending preferred
Solid understanding of consumer credit and applicable federal and state regulations relative to consumer lending
Superior oral and written communication skills required
Must be comfortable working in an environment with 100% phone-based customer interaction; prior customer contact center experience preferred
Open to change, ability to quickly learn new processes
Self-motivated, takes initiative and responsibility for results
Passionate about delivering great customer experiences, maintaining a positive attitude in challenging situations by offering customers alternative solutions
Tech savvy, comfortable with working with Microsoft Office applications
Bachelor's degree preferred (Business, Finance, or Accounting majors are a plus)
Approach customer situations logically and with good judgment to ensure appropriate outcomes for customers and the company

239

Credit Ops Leader Resume Examples & Samples

Collaborate with market management and HR to ensure personnel policies are adhered to, participate in personnel decisions involving employees, including: performance appraisals, development plans, promotions, salary actions recommendations and terminations
Partner with Business Loan Center to ensure Post Approval Process for Business Loans is managed to provide the best client and employee experience
Requires a minimum of 10+ years of related customer service, operations, sales or sales management experience, preferably in Business Banking or Branch Banking
Must have strong leadership and management abilities; must be able to think strategically
Requires keen understanding of the financial and banking industries, including working knowledge of the key areas of the bank (i.e. Business Banking, Retail Bank, Credit, TS, CB)
Extensive knowledge of credit products, and regulations, and related procedures
Thorough knowledge of financial exposure and operational risk associated with bank products and services
Ability to adapt to a rapidly changing business and technology environments, must be a change leader
Solid communication, time management and interpersonal skills; must be able to diffuse conflict diplomatically
Strong facilitation skills
Disciplined approach to managing and acting upon key reports and audits
Good project management skills; must be able to engage all participants and meet deadlines/deliverables
Refined professional presentation skills and face to face client servicing background

240

Credit Structurer Resume Examples & Samples

Strong financial modelling and analytics skills with experience of analysing corporate credit and financial statements
Either knowledge of derivatives and how to structure asset backed financings, or an understanding/experience of corporate finance
Experience of completing various valuation techniques and building financial models, producing documentation around complex legal and economic structures
An understanding of pricing credit, structural and illiquidity risk in the context of absolute and relative risk frameworks
Strong fundamental skills in terms of numbers, transactions, risk management and structuring
The ability to learn quickly to spot key risk/deal issues, and think creatively around how to mitigate these issues and the willingness to justify your views to key stakeholders
A creative approach to structuring transactions and managing risk, with the ability to think creatively across industries, structures and risk profiles
Experience in structured finance/banking, with an understanding of corporate finance
Educated to Bachelor degree level or have relevant industry experience
Able to articulate ideas confidently and concisely
Highly analytical and numerate
Self motivated, proactive and able to use your own initiative

241

Credit Ops Senior Specialist Resume Examples & Samples

Must practice and promote JPMC's operating principles - Integrity, Team Work, Respect & Leadership
Demonstrated ability to work in a fast paced, high pressure, target driven environment; ability to multi-task
Excellent computer navigation skills, ability to maneuver through multiple systems
Flexibility to work shifting schedules, on holidays and for extended hours
Excellent command of the English language
Previous experience in a high volume customer focused environment is preferred
Enthusiastic, positive approach to customer interactions
Sound judgment and quick decision making skills
Previous Visa/Master Card call center experience is a plus

242

Regional Credit Mgr Resume Examples & Samples

Ensure the regional credit risk processes are in compliance with company policy
Assist in overseeing the regional loan portfolio to meet company objectives
Assist loan officer(s) to understand loan policies & practices for the safe & sound operation of the Bank ensuring consistency with the overall objectives
Ensure the insight, direction, & guidance from the Director of Regional Credit is shared with loan officers and followed within the region
Monitor and review approved regional loans & delinquency reports
Assist local management and loan officers in action plan development for work out credits
Assist and support regional calling officers for opportunities of all sizes
Demonstrates substantial knowledge of loan & credit operations, work processes, internal controls, & banking regulations
Demonstrates superior analytical & organizational skills
Demonstrates ability to communicate effectively, both verbally & written, with management, customers, vendors, & staff
Demonstrates proficiency in Microsoft Word, Excel, and Windows
Demonstrates ability to maintain industry knowledge & awareness of trends, risk, and regulatory issues
Strong strategic planning skills

243

Credit Portfolio Senior Group Mgr Resume Examples & Samples

Manage the portfolio returns, credit quality and the performance of the consumer lending portfolio in line with stated benchmarks / hurdles
Establish and manage the risk appetite framework and appetite of the portfolios. Working in partnership with the business units, define the target market, determine the business strategy and the set of performance and return metrics that comply with corporate standards and are appropriate to the local operating environment
Design, implement and monitor the effectiveness of the credit policies and where warranted, adjust credit policies to ensure performance and return are in accordance with established risk appetite statement. Ensure that the policies are in full compliance with global corporate policies, governing regulations and where required, document and obtain approval for exceptions
Possess a comprehensive understanding of the local operating environment (e.g. market, competition, economy, political, legal, regulatory) and its impact on the portfolios
Manage loan losses and reserves. Perform scenario planning and stress testing to dimension potential risk to the franchise under adverse situations
Implement and manage analytic infrastructure and tools including models, MIS capabilities so that portfolio qualities can be accurately evaluated and ascertained
Proactively identify emerging risks and develop and implement mitigation actions as appropriate
Provide risk management leadership as Co-chair with the Consumer Business manager, the Risk Management Committee. Actively participate in various risk and business forums
Maintain a strong control environment at all times; escalate critical issues in accordance with corporate protocols and/or based on prudent judgment
Responsible for regular credit performance reporting to regulators, regional/head offices. Maintain close and transparent communication to ensure that all stakeholders outside of the business are fully apprised of the strategy, performance and events that are impacting the portfolio
Act as a senior resource to the global consumer risk management functional group and provide expertise and support to regional/global initiatives and/or ad hoc needs of other countries. This includes acting as reviewers to FCR, independent ICAAP reviews, lead or participants to swat teams, regional project groups on topical basis etc
Senior Credit Officer (SCO) designation or equivalent for at least 5 years with approval authority
Minimum 12 years' experience in consumer credit risk management covering wide range of products. Extensive direct experience in managing large cards and other unsecured products a must
Able to make decisions on matters pertaining to aspects of risk other than credit, such as franchise, reputation risk and country risk
Excellent verbal & written English communication skills. Active listening skills
Candidates must have highly effective negotiation skills, a proactive and 'no surprises' approach in communicating Risk issues, strength in sustaining independent views
Spanish proficiency

244

Latin American Credit Resume Examples & Samples

Daily management of the Latam/Mexico credit portfolio
Daily review of various exception reports to determine which accounts are in excess of their trading limits
Determine and remediate of daily trading exceptions
Work closely with Financial Advisors, Lending Specialists and Private Bankers on new deal requests
Perform credit reviews and annual renewals (written analyses) for securities based lending and traded products
Participate with other members of Wealth Management Credit in securities based lending Portfolio Reviews which are conducted monthly by the Business
Central point of contact for IWM for extensions of credit within the Broker-Dealer and the Private Bank
1-7 years’ experience in credit risk management for a U.S. Broker-Dealer or Private Bank
Working knowledge of credit products and financial instruments such as OTC derivatives
Strong Excel and Power Point skills
Prior credit experience covering Latam counterparties
Working knowledge of foreign stock exchanges

245

Credit Structurer Resume Examples & Samples

You will have at least 5 years of Credit Documentation experience
Strong familiarity with credit documentation process
Strong communication skills in fluent English and ideally in Chinese language
Experience working with front office business
Ability to work under pressure and in a fast-paced working environment

246

Credit Ops Specialist Resume Examples & Samples

Strive continuously to improve productivity standards
Adhere to prescribed quality and compliance standards whilst maintaining service levels
Provide recommendations to improve the process
Contribute towards increasing the Customer Satisfaction and Customer Engagement
Maintain high levels of values and ethics in all activities
Effective navigation skills with system and equipment used within department. PC skills. Proficient in MS Word
Proficient in MS Windows environment
Familiar with standard browsers. Comfort with Web terminology and usage preferred
Follow through skills

247

Team Leader, Credit Resume Examples & Samples

Day-to-day team management of a credit team responsible for over 5000 customer relationships across the salon and pharmacy channels
Ensure a customer centric approach delivers mutually beneficial outcomes for L’Oreal and our customers
Responsibility for ensuring KPI’s (Debtor insurance compliance, overdue credit, bad debts and defaults) are met in line with credit policies and procedures
Increase the technical capability of the team and provide mentorship to develop the internal profile of the credit function

248

Cbps Credit Approvals Team Leader Resume Examples & Samples

Responsible in the overall supervision and assessment of Credit officers' performance
Solid level of experience working in a credit card/unsecured credit operations environment along with people and process management skills
Highly analytical, strong problem solving skills & high regard for accuracy with proven skills in credit transactions, product approvals, and other approval requests
Demonstrates acumen in financial analysis, client relationship management
Develop and manage effective lines of communication with the respective line supervisors and heads in the Credit Operations – Credit Management
Responding promptly to detected offenses/potential issues, findings, etc., assist with development of corrective action and reporting findings via established channels

249

CIB QR Wholesale Credit Capital Modeling Resume Examples & Samples

Excellent programing background in Python (strong candidates in C++ will also be considered)
Ph.D./Master degree in a quantitative field such as Computer Science, Engineering, Computational physics/biology, Mathematical finance, etc
Proficient in developing in Linux/Unix environment
Focus on functional and numerical testing through the entire development cycle to produce reliable and maintainable software
Experience in implementing and integrating financial models end-to-end
Experience with large-scale Monte Carlo simulation and High Performance computing (multi-core, MPI, grid)
Ability to work with large financial data, statistical data (especially time series) analysis
Proven ability to develop collaborative relationships with key internal partners to achieve objectives and prioritizations
Good financial / Accounting knowledge a strong plus
Professional experience a strong plus

250

Credit & Counterparty Group Head Resume Examples & Samples

Leads a team of credit officers and other staff who facilitate commercial and/or real estate loan originations by working with line officers in structuring and development of loan proposals to meet the customers’ or prospects’ needs while conforming to bank and regulatory requirements. Directly handles significant, highly complex loans and makes joint calls as needed
Sits on the Bank’s Credit Committee
Reinforces adherence & contributes to the development of the Bank’s underwriting policies and procedures
Directly supervises credit including selection, development, and performance management
Reviews analysis of pertinent financial and credit data and makes final credit decisions (approval or declination) within signing authority. Recommends to higher level of authority if appropriate
Assists in identifying potential troubled assets in assigned area
Approves commercial loan risk ratings to ensure maintenance of a quality loan portfolio
Interacts with line units and service centers, operations, accounting, appraisal, legal and other related bank personnel
Master’s degree Preferred
Over 20 years of Banking experience, including 10 years as credit approver
Complete understanding of syndications, capital markets, and other highly complex lending facilities
Financial statements, accounting, legal documentation in-depth knowledge
Verbal and written communication
Management and leadership skills

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