Credit Specialist Resume Samples

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R Murazik

Raven

Murazik

7122 Dach Prairie

Philadelphia

+1 (555) 957 2126

7122 Dach Prairie

Philadelphia

Phone

p +1 (555) 957 2126

Experience Experience

Boston, MA

Credit Specialist

Boston, MA

Schaefer and Sons

Boston, MA

Credit Specialist

Analyzing customer financial statements, cash flows and financing structure to provide a recommended credit limit for new customers
Working knowledge of credit and collection laws
Providing an exceptional client service to a high net worth and ultra-high net worth client base throughout the end to end credit process
Working knowledge of internet searches for credit data analysis
Manage a distinct credit portfolio on a day-to-day basis
Monitor market, regulatory, macro-economic and political developments; assess their impact on the credit quality of clients, collateral and portfolio
Provide exceptional customer service and provide solutions with a courteous attitude and pleasant demeanor

Los Angeles, CA

Regional Credit Specialist

Los Angeles, CA

Schimmel Group

Los Angeles, CA

Regional Credit Specialist

Follow established procedures for processing credit applications, adjustments, checks, etc
Develop customer relationships to gauge management quality and resolve critical questions during credit reviews
Keep informed of changes in economic and/or market conditions that might affect credit risk and make recommendations to improve credit due diligence process
Perform other related duties as assigned
Make collection calls
Perform other duties as assigned
Make credit extension recommendations on accounts with credit limit exceeding authority level

present

New York, NY

Senior Credit Specialist

New York, NY

Barton, Gorczany and Konopelski

present

New York, NY

Senior Credit Specialist

present

Responsible for the growth and development of the credit book in conjunction with Relationship Managers (RMs)
Pro-active management of a distinct credit portfolio, including credit assessment and approval within delegated credit authority, regularizing limit breaches and identifying emerging credit risks
Assist with the development of credit training
Lead projects to improve credit operational efficiency while working in a fast paced and collaborative work environment
Follow up on margin shortfall and develop action plans initiated by Group Risk Management to monitor the transactional risk
Work with clients and RMs to structure optimum credit-basedsolutions within RBC risk appetite and lending parameters and to assess exception lending values request and policy exceptions
The decision will be documented by an analyst write-up which will include the request, structure, recommendation and back-up information supporting the decision

Education Education

Bachelor’s Degree in Financial Discipline Preferred

Kaplan University

Bachelor’s Degree in Financial Discipline Preferred

Skills Skills

Knowledge of basic accounting principles, procedures, and business math
Strong attention to details
Solid knowledge of Microsoft Office Suite (Word, Excel, PowerPoint, etc.)
Basic Accounting Knowledge
The ability to communicate at a senior level, with a focus on continuous improvement and a strong desire to develop the business
Proficient in MS Office, including strong Excel skills
Basic accounting knowledge
Able to communicate verbally and in writing in a clear, concise and professional manner
Strong organizational skills and attention to detail
Detail oriented with the ability to comprehend numerical and financial data

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15 Credit Specialist resume templates

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Senior Credit Specialist Resume Examples & Samples

Responsible for the growth and development of the credit book in conjunction with Relationship Managers (RMs)
Manage the risk and reward, pricing of transactions, ROE and profitability of credit book within wealth management
Ensure continued alignment of the credit portfolio with wealth managementbusiness and risk strategies and RBC policies and procedures
Work with clients and RMs to structure optimum credit-basedsolutions within RBC risk appetite and lending parameters and to assess exception lending values request and policy exceptions
Conduct analysis on transaction request and risk of borrower and transaction and perform BRR assessment and recommendations
Ensure appropriate documenting of all credit risks per guidelines and approvals
Ensure transaction remains within approval guidelines; covenant and financial compliance of the transaction/borrower to maintain credit quality
Responsible for the maintenance, review and reporting of high quality risk profile of the portfolio
Follow up on margin shortfall and develop action plans initiated by Group Risk Management to monitor the transactional risk
Assist with enhancement of policy and credit products to meet the needs of clients and the business
Proactively monitor the regulatory updates and changes that affect credit, particularly on mortgage lending
Assist with the development of credit training
Handle other ad hoc projects

Credit Specialist Resume Examples & Samples

Requires organizational and time management skills to balance workload and meet deadlines
Must be willing to assist teammates and build strong relationship with sales partners to achieve closing goals
Minimum 1 to 3 years mortgage experienced required

Credit Specialist Resume Examples & Samples

High School/GED required
Strong organization and communication skills
Detail oriented, ability to multi task, previous second mortgage experience a plus

Credit Specialist Resume Examples & Samples

Processing experience preferred
Purchase and Corporate clients processing preferred
Strong organization and communication skills with the ability to work independently
Detail oriented, ability to multi task, previous first mortgage experience a plus

Letter of Credit Specialist Resume Examples & Samples

Minimum 2 years experience in letter of credit issuance and document examination required
Minimum 2 years experience working with Uniform Customs and Practice for Documentary Credits required
Minimum 2 years experience with international import and export trade required
At least 2 years of basic computer experience preferred. (eg. Microsoft Word, Excel, Outlook, and Powerpoint.)
Comprehensive knowledge of International Standby Practices
Excellent customer service, communication and interpersonal skills in order to interact effectively with clients and all levels of Bank personnel
Strong analytical and problem solving skills
Ability to be detail-oriented and accurate in a deadline-driven, multitask-oriented environment
LI-BS1

Credit Specialist Resume Examples & Samples

Manage a distinct credit portfolio on a day-to-day basis
Conduct in-depth risk analysis of client, transaction structure and collateral for the purpose of identifying their suitability for leverage and to pro-actively help to mitigate the risks of a transaction, referencing to relevant Global & Regional Credit Policies, Guidelines and Credit Manuals
Prepare the credit write ups for credit decisions in the specified format; engage and discuss the credit issues with Credit Management as required
Exercise credit judgment and submit credit approvals of credit structures in compliance with existing risk appetite, assigned credit authority and applicable Global & Regional Credit Policies and Credit Manuals
Fostering of pro-active partnerships, negotiations & communication in relation to credit matters / new transactions with Relationship Managers, Collateral Valuation Office, Solutions Partners, Trading, Legal, Compliance and other CRM / Risk business units etc
Complete credit reviews / assessment of existing credit facilities
Complete assessment of country, industry and risk appetite limits as required
Provide support to senior colleagues within the team as needed
Seek higher authority if required, ensuring proper escalation for cases which necessitate further examination
Liaise with internal Legal / external counsel to ensure identified risks are adequately addressed and review of approved credit terms in the legal documentation
Review legal documentation for approved credit transactions prepared by Documentation specialist team
Co-ordinate with Loan Operations, Credit Control and Credit Valuation Monitoring teams to ensure that the exposures and position of approved credit transactions are adequately reflected, authorised and monitored in the risk systems
Pro-actively manage the portfolio by identifying any emerging credit risks
Carry out credit assessments, negotiations, approvals and working with relevant stakeholders for resolution of risk events; enforcement of margin calls and liquidation as required
Monitor market, regulatory, macro-economic and political developments; assess their impact on the credit quality of clients, collateral and portfolio
Provide review and assessment on credit risk reports where required
Co-ordinate the recovery activities
Ensure all necessary controls are managed / implemented according to Local / Regional / Global control frameworks

Credit Specialist Resume Examples & Samples

Manages credit activities for assigned account portfolio; request payments of delinquent invoices, resolves variances between amounts charges and credits issued and assist customers in understanding charges
Evaluated credit worthiness of assigned accounts to determine financial risk to the company resulting in releasing orders for shipment, delaying future order and potential adjustments to credit lines
Fulfills customer’s requests for duplicate invoice copies, shipping papers, proofs of delivery or other documents as needed to reconcile accounts
Maintains timely communication with internal departments to ensure timely payment of delinquent invoices; directly impacts cash flow and monthly DSO for the company
2 or more years of credit experience in business to business environment
NACM certifications: CAP and ACAP desired
Strong computer skills in Word and Excel Working knowledge of internet searches for credit data analysis
Strong organizational skills
Effective written and oral communication skills with all levels of management
Strong math skills needed to reconcile accounting data
Must be able to multitask and prioritize workload
Must be able to meet deadlines
Financial analysis and collection/customer service experience

Letters of Credit Specialist Resume Examples & Samples

Understand and apply internal/external guidelines/regulations governing LC ISP/UCP principles of the Industry
Exercise due diligence when executing each operation, which includes Standby LC Issuances, amendments, fees, evergreen LC monitoring for renewals, notice of Non-renewals
Make independent decisions in the negotiation of draft reviews with the Applicant, Beneficiary, management and outside legal counsel, if applicable
Support all LC products while networking with various business units to ensure compliance procedures are adhered to
Quality Control- maintain all documentation and understanding of RCSA/SOX compliance

Letter of Credit Specialist Resume Examples & Samples

Minimum 2 years experience in SBLC letter of credit issuance and document examination required
Minimum 2 years of basic computer experience required. (eg. Microsoft Word, Excel, Outlook, and Powerpoint.)
Minimum 2 years experience working with Uniform Customs and Practice for Documentary Credits and international standby practices

Letters of Credit Specialist Resume Examples & Samples

Preparation of Standby and Trade Letters of Credit
Recording of liabilities for issued Letters of Credit
Recording of receipt of Letters of Credit and vetting of their wording
Review and acceptance of Bills of Lading received
Verification of Physical Commodity deals
Issuance of Physical Commodity Confirmations
Verification of incoming Counterparty
Monitoring & Reporting of Unconfirmed deals
Preparation of all relevant documentation for settlement of Physical Commodity deals
Reconciliation of customer invoices to internal systems, customer records, supply and transportation records
Reconciliation of Physical inventory
Generation of various reconciliation processes
Maintenance of Letter of Credit records. Preparation of payment requests for action by Payment teams
Preparation and remittance of Invoices and other shipping documents
Follow up and resolution of settlement and post settlement adjustments
Assistance with other ad hoc operational tasks
Managing relevant internal and external relationships
Cross training between products roles and locations as is required by the business
Identifying and resolving issues and escalating prudentially to direct and senior management
Have a full understanding and significant experience of Trade Finance, ideally within the banking sector
Strong knowledge and understanding of International Chamber of Commerce Rules and Regulations for Documentary Letters of Credit , Standby Letters of Credit, Documentary Bills for Collection and Uniform Rules for Reimbursement
Experience in checking document presentations under Letters of Credit
Experience in preparing and sending outward Documentary Bills for Collection and processing inward Documentary Bills for Collection
Experience or prior exposure to Physical Commodities businesses in particular in the areas of
Deal Verification
Confirmations - incoming and outgoing
Invoicing
Settlements
Reconciliations
Be highly motivated with a confident and professional attitude, possessing high levels of attention to detail
Be able to demonstrate potential for, or have experience in either settlement or confirmations
Be confident in learning new functions and processes, and be able to question current procedures with a focus on continuous process improvement
Be able to work with minimal supervision and maintain confidentiality of client material
Have the ability to prioritize and problem solve, delivering a high level of quality service to clients on a daily basis, under tight timeframes
Preferably have experience of working in a team spread across multiple geographical locations
Two years experience in Trade Finance, ideally within the banking sector

Credit Specialist Resume Examples & Samples

Take a continuous improvement approach to achieving superior client experience, including proactive monitoring of client affairs, ownership of client problem resolution and ongoing relationship building with Private Bankers
In partnership with Private Bankers to ensure strategies are developed and documented in order to retain and grow the centre’s most profitable client relationships
Demonstrate a thorough understanding of all applicable financing products, leveraging concepts and an ability to analyze financial statements
Demonstrate a proven ability to communicate and negotiate effectively with clients, Private Bankers, Group Risk Management and partners
Demonstrate teamwork with my team, service partners and others
University Degree (or equivalent), preferably in business or finance
Must be fluent in Mandarin and Cantonese as well as English
At least 5 years Retail / Commerical Banking experience
Proven client service skills: ability to earn respect of sophisticated clients
Proven relationship management skills: ability to develop mutual relationships and clearly articulate RBC value proposition
Ability to deal with clients at all levels

Credit Specialist Resume Examples & Samples

Prepare daily collection statement for closing AR open items
Prepare monthly account analysis
Send monthly statements and reminders
Filing invoice and documents
With intermediate/higher level accounting knowledge
Have at least 2-3 years of working experience in accounts receivable field
Have some experience with IT toos e.g. SAP, Excel..etc

Exp IB Credit Specialist Resume Examples & Samples

The APAC and global loan and derivatives portfolio has been appropriately sampled and reviewed
Potential weaknesses at the counterparty and/or portfolio level have been reported and an appropriate remediation plan is agreed to with the relevant stakeholders; and
Risks unique to the region are properly reflected in both the local and global risk frameworks as necessary

Credit Specialist Resume Examples & Samples

3+ years of Collection experience in the Commercial Service industry
High School Degree and/or GED
Knowledge of Collection techniques and Account record keeping systems
Demonstrated negotiation skills
Excellent communication skills (written and verbal)
Associate's or Undergraduate Degree in Accounting, Finance or Business Administration

Credit Specialist for Greater China Resume Examples & Samples

Pro-active management of a distinct credit portfolio, including reviewing and ensuring credit risk assessments and approval are conducted at a level of depth and thoroughness appropriate to the degree of complexity of credit structures and within delegated credit authority
Pro-active engagement with the front-office on new transactions to enable revenue growth along the lines of a through-the-cycle sustainable balance between risk and reward
Analysis of the counterparty, underlying credit risk and transaction structure and development of risk-mitigating strategies to enhance the risk profile
Negotiation of legal documentation to ensure that the terms and conditions comply with the bank's policies and are in line with internal standards
Manages credit portfolio to maintain a performing loan portfolio and ensures all necessary margin calls and liquidations are executed promptly
Coaches and leads a team of Credit Specialists ensuring team's compliance with requisite policies and guidelines (both internal and external)

Credit Specialist Resume Examples & Samples

Make Collection calls
Maintain up-to-date records in system
Collection and allocation of payments
Carry out billing, collection and reporting activities according to specific deadlines
Monitor client account details for non-payments, delayed payments and other irregularities
Follow established procedures for processing credit applications, adjustments, checks, refunds, etc
Investigate and resolve customer queries
Communicate with internal personnel and clients via phone, email, mail or personally
Release orders according to deadlines
Must be proficient with Excel
Must be a strong analytical thinker
Ideal candidate will be able to prioritize and multitask, have a high level of attention to detail, and have excellent communication (both written and over the phone) skills
Knowledge of general accounting principals
Broadcasting or media experience preferred
Microsoft Office programs, Excel, Word Exchange etc
Experience with a broadcast traffic system such as Oracle or Wide Orbit a plus
Bi-Lingual, Spanish, a plus

Credit Specialist Resume Examples & Samples

Issue and amend Letters of Credit to the extent of facilities authorized and approves payments thereunder
Approves wording for Standby Letters of Credit to the extent permitted by Letters of Credit regulations or authorized by Credit Dept
Input, Verification and Release authority for Clarity Letters of Credit
Process standby L/Cs and LC Participations accurately and on a timely basis and work independently with minimum supervision
Finalize payments of Letter of Credit with a high level of accuracy and within Industry guidelines
Operations and Compliance: Ensure revenues are fully and properly collected. Ensure effective internal controls are maintained, including compliance with all other Bank and Federal regulations
Provide excellent customer service to all clients, both internal and external ensuring that transactions are processed accurately in accordance with established credit guidelines and Bank’s policies and procedures. Prioritize work and manage time to ensure urgent client matters receive prompt attention
Be ready, willing and able to assist and support other staff should the need arise. Show high level of cooperation with team members and work closely to assist in times of unusually high volume
Be able to analyze and interpret terms and conditions of L/C to ensure compliance with UCP and government regulations. Also be able to interpret and assess accurately the information received from agent banks
Risk Management Committee Oversight: This includes compiling all necessary reports for meeting, transcription and review of meeting minutes and scheduling all committee members
Manage various loan operations functions: loan processing, check scanning and confirmation validation
Minimum of 2 year experience in letter of credit issuance and document examination required
Broad banking background with particularly strong knowledge of Letters of Credit practices and procedures, including U.C.P. and I.C.C. regulations
Strong customer service, communication and interpersonal skills in order to interact effectively with clients and all levels of Bank personnel
Ability to be detail-orientated and accurate in a deadline-driven, multitask-orientated environment
ICC and ISP latest versions
Bilingual Spanish/English
RBC maintains consistently high credit ratings: S&P: AA-; Moody’s: Aa3; Fitch: AA; DBRS: AA (as of July 2014)
Based on market capitalization, RBC is the 12th largest bank in the world and the sixth largest in North America. (Bloomberg as of August 2014)

Credit Specialist Resume Examples & Samples

Strong knowledge of Microsoft applications (Excel, Word) and SharePoint navigation
Prior experience in multiple Credit functions preferred
Effectively handles completing priorities
Ability to work independently while producing quality work in a timely manner
Demonstrated attention to detail and follow through
Ability to work under conditions with deadlines
Strong process and procedural knowledge within Commercial Credit
Understanding of Federal and Regulatory Policies
Ability to understand and work in core financial systems
Knowledge of Experian and Dun & Bradstreet online reports
2+ years Credit operations experience

Credit Specialist Resume Examples & Samples

Minimum 1 year customer service experience preferred (financial services, call center, retail, etc.)
Proficiency with Windows based applications
Enthusiasm for working within a collaborative, challenging and rewarding culture
A strong interest in continued learning and career advancement opportunities. SAJ605

Letters of Credit Specialist Resume Examples & Samples

Issue and amend Letters of Credit (L/C) to the extent of facilities authorized and approves payments thereunder
Approves wording for Standby L/C to the extent permitted by L/C governing rules and Legal department
Input, Verification and Release authority for SWIFT Messages via Clarity
Process standby L/Cs accurately and on a timely basis and work independently with minimum supervision
Finalize payments of L/C with a high level of accuracy and within industry guidelines
Process all clean and documentary collections items and ensure revenues are fully collected
Be able to analyze and interpret terms and conditions of L/C to ensure compliance with UCP and government regulations
Provide policy and procedure updates/review: must ensure they are documented and updated in PPL on time
Minimum of 5 year experience in Stand By Letters of Credit issuance and document examination
Minimum of 2 years of basic computer experience required (Microsoft Office Software: Word, Excel, Outlook and Powerpoint)
Broad banking background with particularly strong knowledge of Letters of Credit practices and procedures, including U.C.P., ISP 98 and I.C.C. regulations
Proven analytical and problem solving skills
BA/BS or AA Degree
CDCS (Certified Documentary Credit Specialist) certification
Experience in commercial credit
RBC employs more than 79,000 full-and part-time employees who serve more than 16 million personal, business, public sector and institutional clients through offices in Canada, the U.S. and 44 other countries

Credit Specialist Resume Examples & Samples

Must have good verbal and written communication skills
Strong customer service skills and proven sales ability preferred
Strong working knowledge of PC Windows Based Systems and Microsoft Office (Excel, Word, PowerPoint, Outlook)
Understand accounting principles used in analyzing financial statements
College degree in finance, accounting, business administration or closely related field required
3-5 years of work experience with progressive responsibilities in a sales or professional business environment

Junior Credit Specialist Resume Examples & Samples

Preparing credit applications for approval by respective competence levels
Collaboration with the Front Office as well as advice to Relationship Managers to bring solutions
Preparing loan agreements and other credit related contractual documentation
Supporting the team or lead specific CRM related projects such as new products or risk framework’s improvement
Acting as a back-up to the team in all credit matters

Credit Specialist Resume Examples & Samples

Pro-active management of a distinct credit portfolio, including credit assessment and approval within delegated credit authority, regularizing limit breaches and identifying emerging credit risks
Review of the legal documentation to ensure that the terms and conditions comply with the credit approval
Initiation, monitoring and management of remedial action on breaches including liquidation if required
Contribution to the regulatory/change agenda by involving in project work

Regional Credit Specialist Resume Examples & Samples

Evaluate all blocked orders for assigned customer accounts and either release, hold, or cancel depending upon the customer’s credit status. Take proper action to correct the root cause of the block. Relay status of held and canceled orders to customers, Accounts Services and Sales personnel
Contact past due accounts for payment and ensure customer adherence to terms. Coordinate activities in conducting investigations and collecting delinquent accounts by verifying customer provided information with credit agencies and industry’s references. Use discretion to establish payment plans when necessary and show ability to aggressively monitor progress of the payment plan
Perform complex reconciliation of customer accounts
Review unapplied payments to ensure proper credit is given to customer accounts
Provide month end reporting to notify internal departments of problems that may impede shipment of product to the customer. Recipients of the reports include Account Services, Sales Reps, and Credit Manager. Be prepared to discuss decisions made with regards to accounts
Enter manual credit/invoice documents. Audit automated credit process as directed
Determine when a customer should receive a refund and also ensure the company complies with current escheatment laws
Answer customer inquiries concerning their account status and provide solutions as customer needs change
Provide all documents to Collection Manager when escalating accounts such as credit applications, guarantees, invoice copies, proof of deliveries or any other relevant correspondence regarding the financial health of the customer
Maintain positive open lines of communication with all members of management, sales force, Accounts Services, and other departments in order to contribute to the smooth flow of information and efficient operation of the organization
Work with deduction team as needed to resolve customer disputes
Work with Account Services and Accounting to ensure all billing and credit memo errors are resolved at the end of every month
Provide training support and guidance to entry level and/or newly hired employees in the Credit Department
Participate in various industry credit meetings on behalf of Columbia Sportswear portfolio of brands
Perform other related duties as assigned
Contacts normally occur with others inside and outside the company. Internal contacts are primarily with the Credit Department staff and members of Account Services, Sales and Distribution Departments. External contacts are regularly made with customers, sales representatives and other industry credit personnel
Interactions involve information exchanges of confidential and/or sensitive information with emphasis on troubleshooting and problem solving
Job is not supervisory

Credit Specialist Resume Examples & Samples

At least one year of contact center experience
Passion for delivering a great customer experience at scale
Strong communication skills and ability to empathize with customers
Strong analytical skills and ability to review and assess risk

Credit Specialist Resume Examples & Samples

Ensure the enforcement of payment terms
Follow-up and retrieve customer payments for all invoices while prioritizing in terms of importance and aging
Manage the blocking and releasing of orders with credit issues or risks
Ensure that Customer accounts are in good order, using credit notes and corrections
Resolve all situations related to litigations and claims involving deliveries, deductions, commercial deals and returns
Monitor credit KPIs (budget, actual, trend)
Build and ensure a communication flow to inform commercial counterparts in the defined country about credit issues and to answer other internal requests
Contribute with country expertize on defining and updating the Credit policy
Escalate action on overdue accounts
Credit management experience
Cost management, detailed analysis skills
Negotiation and Customer relation skills
SAP and Excel skills
Fluency in Norwegian and English

Credit Specialist Resume Examples & Samples

Investigate customer credit
Assist supervisor in approving credit for minor accounts
Conducts credit investigations of existing and new customers to establish credit limits
Process order direct sale order releases using establish guidelines; contact delinquent customers to resolve issues preventing order release
Recommend action on delinquent accounts regarding open credit limit
Answers customer inquiries regarding credit
May participate in discussions to provide special financing arrangements to work out delinquencies
2 + years of credit/collections experience
Detail oriented with attention to accuracy
Requires basic knowledge of office procedures
Familiar with general office equipment
Working knowledge of Oracle and PHAST a plus
Prompt arrival and regular attendance at work
Ability to develop and maintain a positive working relationship with others
Supports and participates in the Company's quality standards with a continuous focus on customer service

Credit Specialist Resume Examples & Samples

Performing fundamental credit risk analysis and assigning internal credit ratings on counterparties based mainly in Asia Emerging Markets
Participating in client due diligence visits/ interviewing management teams as needed
Assessing proposed transactions within the context of the transaction structure to ensure structural risks are properly identified and adequately mitigated
Preparing and presenting credit analysis in an impactful manner after taking into consideration regulatory and internal policy requirements
Communicating the firm’s rating rationale and risk appetite to internal stakeholders
Maintain accurate exposure and client information in internal risk systems
Monitor market, regulatory, macro-economic and political developments; assess their impact on credit quality of counterparties
Liaising with Legal department to ensure identified risks are adequately addressed in the legal documentation and setting credit terms in the legal documentation
Liaising with Credit Risk Control and Risk Analytics and Reporting departments to ensure that the exposures are adequately reflected in the risk systems
Performing general problem solving of any issues arising across Credit Suisse in relation to counterparties in the portfolio

Credit Specialist Resume Examples & Samples

Listen intently to customers to assist with billing and/or service concerns and collections
Provide exceptional customer service and provide solutions with a courteous attitude and pleasant demeanor
Meet daily, weekly and monthly goals and objectives
Maintain customer records by upcoming account information. Accept payments and apply them accurately
Handle incoming fax and email and process as needed
Contribute to the overall success of the team and assist with additional duties and/or assignments as needed
Previous collections experience desired but not required
Ability to manage several tasks simultaneously
Self-directed and independent while working as a team player
Participate in proactive team efforts to achieve department and company goals
Dependable and goal oriented
Proficient in Microsoft Office Suite
High School Diploma or GED equivalent

IF Credit Specialist Resume Examples & Samples

Work closely with Senior IF Transactors to conduct required due diligence to structure credit deals, namely Commercial Real Estate
Interact with clients, their representatives, and Private Bankers to obtain financial data and information needed to underwrite new credit transactions and maintain existing credit portfolio
Credit Analysis and Underwriting of new deals and existing exposure (credit annual reviews) under existing Global, Regional and Local Product Program guidelines
Credit Analysis, structuring and underwriting of FX and Derivatives trading lines under existing Global Product Program guidelines
Calculation of capital returns and risk ratings through proprietary Bank models/systems to ensure appropriate pricing/exposure levels on new/existing transactions
Negotiation of loan documentation with clients in consultation with Bank counsel
Excellent analytical/credit underwriting skills, ability to analyze rent rolls and commercial real estate leases and project property cash flow, and basic understanding of markets and its financial instruments
Completion of a credit training program and/or 2 – 3 years credit and lending experience for a nationally known bank or financial institution is preferred
Strong organizational skills and the ability to manage time effectively in a fast paced environment
Strong communication and interpersonal skills, with both a team player attitude and ability to work independently
Mastery of MS Office Suite, including Word, Excel, Power Point, etc

Junior Credit Specialist Resume Examples & Samples

Collateral Evaluation of portfolios of marketable securities, including the analysis of the collateral’s diversification and liquidity. Liaising with the Loanable Value team in Risk on the assignment of loanable values to the portfolios
Preparation of EDAC and Greenlight memorandums Assist the IF Transactors with the structuring and execution of more complex or tailored margin finance or capital market transactions, meeting Risk Acceptance Criteria
General ongoing credit and documentation related administration
Undergraduate degree
CFA an advantage
Experience as a Credit Officer
Strong knowledge of FX, Interest Rate, Equity and Credit Linked Derivative products
Secured/asset backed lending experience preferred
Experience working with legal counsel in relevant jurisdictions
Advanced Excel, Word and PowerPoint

Credit Specialist Resume Examples & Samples

Credit structuring and underwriting of Capital Market and Margin & Securities-Backed Finance products with appropriate risk return characteristics, ensuring appropriate compliance with Credit Policy and Risk Acceptance standards and the relevant product programmes
Liaising with bankers and investment counsellors and participating in client calls to perform due diligence for underwriting derivative transactions
Preparation of Credit Applications ensuring accuracy and completeness of data in bank systems
Preparing, negotiating and closing of credit documentation, including liaison with Risk and internal and external legal counsel. Preparing and monitoring of borrower compliance with facility covenants
Portfolio management including CA annual reviews, waivers and extensions, documentation reviews and all related system maintenance in line with CPB Credit Policies
Problem Recognition, including credit classification and review of risk ratings, working in conjunction with CPB SARG (Special Assets Restructuring Group)
Oversee general ongoing credit and documentation related administration
5-7 years’ experience as a Credit Officer
Strong knowledge of securities, loans, investment, treasury products and other banking products
Knowledge of financial markets, investments, banking and loan products
Financial and cash flow modelling an advantage

Rate Fix & Credit Specialist Resume Examples & Samples

Adhere to and ensure all team members adhere to A and T Standards and Citi Policies; will often instigate new controls or enhanced standards
Possesses and displays an in-depth knowledge not only of their own section but the department as a whole and the effect the individual groups have on each other
Support Implementation in the role of SME across the Business with regards to new Products , liaise with the Issuing and Paying Agents when reviewing Pricing Supplements of new transactions ensuring Calculation methods best meet market practice
Assist management in meeting Department goals where necessary, i.e. escalations, waiver items; clearance of cash, audit requests, metrics assessment
Assist TL or SM with HR items; ie, interviewing new staff, performance reviews, 1-1s. etc
Act as Deputy to TL and responsible for delegation, multi-tasking, prioritisation and follow through
Write training documents where necessary and review them on an on-going basis to ensure that they are up to date; be a checker of processes; can authorise transactions; is an authorised signatory
Review existing processes with TL/ SM/ team or peers and identify opportunities for improvement; once identified will own to completion
Understands and is involved in the quarterly MCA process
Will consistently look to assist TL/SM with their workload
Will take responsibility for MIS including deputising for TL/SM at Senior meetings/ calls
Mandatory allocated training must be completed within the agree timeframe with no exceptions
Actively seek out and complete four training courses per year, the choice of course content is your choice
Takes lead in department initiative e.g. VOE, Peer Reviews, UAT , ARR preparation, DCFCs , Time Manager
During challenging times, will champion the Business needs with non-officers

Senior Corp Specialty Banking Market Credit Specialist Resume Examples & Samples

Partners with the Relationship Manager on potential structure proposals for unsecured corporate credit facilities that are in alignment with TD Bank products / structure, TD Credit Risk appetite, and credit policies / underwriting guidelines
With support from the Credit Analyst, prepares credit applications for new and existing publicly-traded REIT and private equity fund borrowers. Applications shall include new transactions, extensions, modifications, renewals and Annual Reviews
Develops rapport with senior executives of existing and prospective customers to facilitate the sharing of information
Works with external counsel and internal support staff to manage the timely approval, documentation preparation and negotiation, and closing of new and existing transactions
Is knowledgeable of and operates within the applicable regulatory and compliance guidelines / policies & procedures (including but not limited to: AML, Privacy, Firewalls, Systems & Information Security, FCAC, etc.) and ensures that required compliance attestations / training are completed within required timelines

Eagle Lending Credit Specialist Resume Examples & Samples

Complete financial analysis and spreads by analyzing personal and financial statements and tax returns using Buker’s, Moody’s or similar financial analysis programs. Analyze cash flow reports, calculate ratios, recognize and describe trends and identify recurring and non recurring sources of cash flow and borrowers’ ability to debt service
Assist in monitoring the existing portfolio to ensure quality credit and avert any potential signs of default. Reviewing the OnBase reports, Overdraft reports and flag reports
Assist in identifying any improvements or changes we can make to the Eagle loan process to establish a best practice and make the processes we have in place more efficient
Responsibilities include the following: 1) adhering to and complying with the applicable, federal and state laws, regulations and guidance, including those related to Anti-money laundering (i.e. Bank Secrecy Act, US PATRIOT Act, etc.) 2) adhering to Bank policies and procedures, 3) completing required training, 4) identifying and reporting suspicious activity to the AML Officer, and 5) knowing and verifying the identity of any customer(s) that enters into a relationship with the Bank
Experience with Moody’s corporate analysis software and Buker’s personal analysis software, a plus

Eagle Lending Credit Specialist Resume Examples & Samples

Communicate with Eagle Relationship Managers, PBO Staff and upon occasion, customers. Provide excellent customer service and ensure the relationship is maintained at the highest possible level
Review and set-up real estate loans on PowerLender. Review incoming files for completeness and accuracy; identify missing documentation and resolve potential problems. Set up hard copy loan files and maintain per requirements
Analyze each loan request; ensure appraisals, application, preliminary title report, tax returns, financial statements and verifications meet First Republic Bank loan program criteria are accurately documented. Order and review formation documents (if applicable). Complete credit analysis and prepare LAW form
Min 4 years of experience in residential loan processing and loan underwriting
Basic computer skills are required as well as knowledge of loan originations systems, loan servicing systems, Moody’s Financial Analysis and Buker’s Tax Analysis software preferred
Expertise in MS Windows suite, including MSWord, Excel required and MSAccess preferred

Regional Credit Specialist Resume Examples & Samples

Analyze customer financials and prepare comprehensive reviews to assess credit risk profile for extension of trade credit and/or loans
Develop customer relationships to gauge management quality and resolve critical questions during credit reviews
Make credit extension recommendations on accounts with credit limit exceeding authority level
Manage cross functional teams such as sales, finance, account managers, and accounts receivable to resolve customer disputes
Keep informed of changes in economic and/or market conditions that might affect credit risk and make recommendations to improve credit due diligence process
Ability to handle multiple projects in various stages of completion
5+ years credit experience, depending on area of assignment may be required to have relevant Healthcare/Insurance experience
Knowledge of accounting principles and ability to analyze financial statements, tax returns and cash flow
Data/financial analysis experience; ability to execute complex analysis and synthesize into a storyline to socialize, influence and drive action across the organization
Good organizational and presentation skills; experience providing financial analysis to internal and external customers and offering solutions
Excellent communication (written & verbal) and interpersonal skills with ability to promote trust and collaboration to build strong relationships
Thorough knowledge of MS Office Suite (e.g. Word, Excel & Outlook); Advanced level knowledge of Excel to include performing functions such as: v-look ups, pivot tables, & macros
Negotiation experience a plus
Familiarity with SAP (query accounts, look up balances, put an account on hold)
Healthcare/Insurance industry experience a plus
NACM Certifications preferable

Credit Specialist Resume Examples & Samples

Review and negotiate non-routine contracts and credit offerings with automotive lenders as an advocate for the Tesla customer
Represent the Tesla customers' interests in a thoughtful, detailed, and honest manner in negotiations with automotive lenders
Build strong working relationships with outside lender personnel including credit analysts,
Funders, sales representatives and managers based on mutual benefit
Assist Tesla customers in selecting a financing offer based solely on maximizing the customers' overall Tesla experience
Complete the placement of contracts with lending banks including all required and requested stipulations in a fast and efficient manner to maximize cash flow for the company
Review and analyze complex auto leases within company guidelines
Review financial statements, credit reports, applicable debt ratios and loan-to-value ratios in order to make credit decisions that mitigate future risk for the company
Build strong working relationships with the Sales Team, Sales Admin Team, and all Tesla team members
Bachelor's Degree and/or the equivalent in experience
2-4 years’ experience in analyzing consumer auto loans and leases for a captive automotive finance company or major bank
2-4 years’ experience in the negotiation of consumer loan terms between automobile dealers and the financing lender for consumer auto loans and leases
Expertise in reviewing consumer credit reports including Experian, Equifax, and Trans Union
Proven ability to perform credit risk analysis
The highest level of integrity and accountability
Knowledge of Consumer Auto Finance and FCRA and ECOA rules
Strong written and verbal communication skills and ability to interact effectively with all levels of management
Ability to work independently and think creatively with a proven track record of execution

Credit Specialist Resume Examples & Samples

Must be proficient in Microsoft Excel
Ability to prioritize and multitask
Possess a high level of attention to detail
Excellent communication (both written and over the phone) skills
Demonstrated ability to work well with others

CSB Credit Specialist Resume Examples & Samples

Performs in depth credit analysis in partnership with Relationship Manager on potential and existing publicly-traded REIT and private equity fund customers to determine alignment with TD Bank products / structure, TD Credit Risk appetite and credit policies / underwriting guidelines. Analysis includes, but is not limited to, liquidity / cash flow sensitivity, covenant sensitivity, market and industry/ sector
Ensures credit applications provide a high quality risk assessment, credit structure, due diligence and credit presentation while adhering to AIRB methodology, and addresses TD Bank's profitability objectives
Manages a portfolio of unsecured loans to public REIT and private equity fund borrowers. Ensures the managed portfolio is comprehensively monitored and controlled, adhering to and administered within approved guidelines and in line with established operating policies and procedures
Responsible for managing aspects of the customer relationship, including but not limited to, reviewing reports and delinquencies, signing off of covenant compliance forms, and determining strategies if failures occur, completing monthly monitoring; overseeing Credit Analysts that will support in these responsibilities
Works closely with TD Bank product partners to ensure that client banking needs are being met (debt capital markets, interest rate derivatives, treasury management, deposits, etc.) while improving the Bank's profitability metrics
Attends site visits and prospect / customer calls as needed or as required
Understands changing market conditions and remains knowledgeable of relevant industry issues

Credit Specialist Resume Examples & Samples

2 to 5 years of directly related work experience in mortgage or customer service
Must have effective communications and interpersonal skills
Must have strong verbal, written and listening skills
Must be able to handle multiple tasks
Ability to function in a fast paced environment is a must with basic computer skills

Credit Specialist Resume Examples & Samples

Establishing and Reviewing Line of Credit for New Customers
Review and distribute daily invoices to customers by mail or email
Review, distribute or act upon daily mail received by Credit Department
Review and generate action necessary to resolve all credit card transactions appearing on daily credit card reports
Contact customers to obtain documentation necessary to resolve deductions taken by customers
Conducts collection of past due accounts
Preferred minimum 2+ years of Commercial Credit and Collection experience; experience within manufacturing industry preferred
Basic to intermediate experience in Microsoft office applications: Microsoft Word, Excel and related computer skills
Strong interpersonal, written and verbal communication skills to deal effectively with a wide range of people often on matters of a sensitive nature including dispute resolution; ability to analyze customer payment data; reconciliation of customer accounts and collection of assigned receivables
Strong analytical skills; research and problem solving skills
Demonstrated commitment to professionalism, confidentiality, integrity and sound judgment in conducting business transactions
Ability to perform all essential job functions

Credit Specialist Resume Examples & Samples

Review increase request in processing limits to merchants who qualify by meeting qualifications including
Knowledge of ProPay systems, policies & procedures is very helpful
Excellent oral and written communications skills (grammar, active listening, etiquette, empathy, confidence) with ability to calmly handle frustrated individuals
Self-motivated, quick learner and detail oriented
Strong PC (Microsoft Word and Excel) and internet skills. Knowledge of SQL a plus

CSB Credit Specialist Resume Examples & Samples

Performs in depth credit analysis for which a majority of accounts consist of; highly diverse portfolios at the highest complexity; large pieces of a much bigger client portfolio that may include other institutions and input; risk factors that create large variables to create decisions on portfolios
Performs in depth credit analysis in partnership with Relationship Manager on potential and existing customers to determine alignment with TD Bank products/structure TD Credit Risk Appetite and credit policies/underwriting guidelines
Partners with the Relationship Manager on potential structure proposals that are in alignment with TD Bank products/structure, TD Credit Risk Appetite and credit policies/underwriting guidelines
Attends site visits and prospect/customer calls as needed or as requested
With support from the Credit Analyst, prepares credit applications for new and existing borrowers; Applications shall include new transactions, extensions, modifications, renewals and Annual Reviews
Ensures applications provide a high quality of risk assessment, credit structure, due diligence, and credit presentation and adheres to AIRB methodology and addresses TD Bank’s profitability objectives
Manages the timely approval, documentation preparation and negotiation, and closing of new and existing transactions
Be knowledgeable of and operate within the applicable regulatory and compliance guidelines/policies & procedures (including but not limited to: AML, Privacy, Firewalls, Systems & Information Security, FCAC, etc.) and ensures that all staff complete

Credit Specialist Northern Europe Resume Examples & Samples

Good knowledge and experience in NHS working practices
Good knowledge of MS Office, SAP, BW
Ability to prioritise and manage multiple responsibilities
Good people skills and capability to maintain a balanced attitude under high stress levels
Excellent written and verbal English communication skills

Credit Specialist Resume Examples & Samples

Fluent German speaker
Excellent interpersonal relationship building, presentation and communication skills
Exceptional problem solving and decision making skills
Demonstrated ability to work both independently and in a team environment
Demonstrated experience in a credit related role
Proficiency in MS Office – Excel, PowerPoint and Word Why American Express Talk to our people and you’ll find out what we’re really all about

Credit Specialist T Resume Examples & Samples

Highly consultative self-starter with a minimum 2 years current collection experience
Demonstrated analytical skills to assess credit worthiness
Proven relationship, negotiation and problem-solving skills with internal and external clients and with team members
Influence without authority and strong follow through
Work independently in a structured environment with minimal supervision
Ability to analyze and assess needs of clients

Credit Specialist Resume Examples & Samples

Any customer servicing or customer facing background is basic requirement
Credit, collection, recovery and spend enablement decision making experience would be an added advantage but not essential
Excellent communication skills in English both verbal and written. Additional language such as Mandarin would be an added advantage
Good interpersonal skills, mature and patience in handling difficult customers
Good analytical skills with attention to accuracy and detail
Able to make sound decisions effectively and promptly
Must be able to work toward deadlines and handle multiple tasks
At a minimum, intermediary capability across standard Microsoft office platform

Credit Specialist Resume Examples & Samples

Bachelors degree in Finance or Accounting
3+ years of Collections, Accounts Receivable or Customer Service experience
Oracle, 12R
Excellent written, interpersonal and communication skills

Credit Specialist Resume Examples & Samples

Diploma/Degree holder in Accounting, Business Administration or related discipline is preferable
Working experience in related industry (Credit or Customer service) will be an advantage
Fluent English, Cantonese and Mandarin
Sound analytical skills and previous credit experience is an asset
Good interpersonal skills with high personal accountability
For an internal candidate, knowledge of AMEX systems, product features is desirable
Positive energy and affable personality preferred
Language: English

Standby Letter of Credit Specialist Resume Examples & Samples

Bachelor's degree, or International business technical, trade, or business school certificate
Eight or more years of experience in international banking services or financial services industry
Advanced knowledge of all international banking products, services and general bank operating policies and procedures
Strong critical thinking, analytical, organizational, problem-solving skills
Excellent PC skills including excel, word processing and database manipulation
Well-developed ability to integrate knowledge, anticipate outcomes and use personal judgement

International Credit Specialist Resume Examples & Samples

Partner with Overseas CCB, US based GNI and US based MMR segment heads and parent account managers in the development of targeted account calling strategies for the LATAM, EMEA, or APAC CCB markets
In collaboration with the US Parent Account Manager (PAM), the IS will serve in a dual coverage capacity, to ensure that the needs of both the client / prospect and other internal stakeholders for all overseas credit related matters to ensure that both Approving Unit (AU) and Extending Unit (EU) are in sync
Provide senior level deal support to IC’s credit execution team to ensure transactions are executed properly in an efficient manner
Serve as the primary interface between the US CCB (Approving Unit) and the Global CCB team (Extending Unit)
As the Subject Matter expert for the region/corridor, the IS will be responsible for training and updating the GNI and MMR Relationship managers regarding regional Political, Economic, regulatory and cross lending changes that could impact the US parent company
Partner with the ICG Global Subsidiaries Group to deliver credit products and services in out of footprint areas when appropriate
Ensure a positive and committed team environment
Subject matter expert with well-informed and up-to-date views on the macro and micro economic trends in one of the LATAM, EMEA, or APAC and the region’s fiscal, political, regulatory and legal trends
Deep knowledge of Citi’s global network of CCB and ICG product offerings and capabilities, with particular expertise in the LATAM, EMEA, or APAC markets
Minimum of 8 years’ experience working in one of the major International markets for an international banking institution in a credit and/or client coverage role
Experience in the origination, structuring and execution of credit related banking products in LATAM, EMEA, or APAC regions including the structuring of bilateral and syndicated credit agreements
The IS will need to have a firm understanding of the following
Foreign Currency lending (AEP) Approved Elsewhere Program
Foreign legal, tax, and regulatory requirements
Global collateral and how to take a security interest
Foreign M&A Financing / Structuring
Multicurrency syndicated lending (globally)
Multicurrency Single entity Credit Facility (globally)
Structured Lending Foreign Collateral, and Trade Finance EXIM / ECA Structuring
Complex Global Treasury structures (LATAM, EMEA, or APAC cash pooling structures, In house bank structures, Payment factories, etc.)
Foreign Securitization Capital Markets liaison
Bachelor’s degree in finance, economics, or accounting; MBA or Master’s Degree preferred

Transfer Credit Specialist Resume Examples & Samples

1-2 years’ experience researching, interpreting, and applying university policies and procedures relating to transfer credit or graduation requirements preferred
Experience working in a team in a demanding, fast paced, deadline driven environment
Demonstrated commitment to customer service
Proficient in Microsoft Office products, including Word, Excel and Outlook
Demonstrated knowledge of student system technology, experience with PeopleSoft Campus Solutions preferred
Work requires attention to detail as well as the ability to manage details and multi-task in a fast paced, deadline driven work environment
Excellent oral and written communication skills with strong command of the English language
High level of interpersonal skills and demonstrated poise, tact and diplomacy
Ability to work collaboratively and support efforts of team members
Ability to interact with a diverse community and with all levels of the University

Lead Credit Specialist Resume Examples & Samples

Uses a computer and company systems to revue credit applications
Approve, condition or deny credit applications using prescribed criteria based on CAF policy and procedures. At all times may need to assess situations to apply appropriate criteria. Communications results to CarMax Store via company System (47%)
Escalate accounts that fall outside of the policy (1%)
Handle incoming phone calls from CarMax Stores associates and customers to educate answer questions and/or independently resolve issues regarding credit application status and decisions. (23%)
Process customer requests regarding notices, bureau inquiries or reporting of fraud, ensuring requests are handles properly using the appropriate company systems and in a timely manner. (12%)
Adhere to CAF Fraud Prevention procedures by ensuing the required stipulations are communicated to the store and applicant in a timely fashion. (12%)
Resolve customer concerns/complaints, identify win-win solutions, follow up and track customer issues in the Customer Complaint Tracking System. (3%)
Assist with the timely and accurate processing of customer alerts in compliance with the federal, state and company guidelines
When operations are impacted (volume spikes, Outages, system changes, ect), facilitating communication to all impacted departments and Store escalating issues in timely fashion; problem-solving and making recommendations on resolution during highly intensity situations (2%)
Maintain positive working relationships with CarMax store personnel and provide exceptional customer service to internal and external customers
Perform above functions within department expectations and metrics and within all State and Federal requirements
Perform special projects as assigned
Multi-task in a high energy and fast-pace work environment
Work independently in a team based environment
Demonstrate a high level of dependability and reliability
Ability to effectively influence peers and others in order to accommodate dynamic business needs
Ability to recognize application volume spikes, react accordingly based upon the financial impact to the department Effectively manage stressful situations and facilitate conflict resolution over the phone
Ability to work a flexible schedule, including evenings, weekends and holidays
Ability to telecommute up to 50% of working hours
Bachelor’s degree or minimum 6 months to one year of applicable experience
Familiarity with Credit Bureau reporting and understanding of FICO scores
Basic typing skills including minimum accuracy requirements
Basic to moderate computer knowledge and basic understanding of MS Word and Excel
Complete CarMax provided training as required

Regional Credit Specialist Resume Examples & Samples

Prepare and maintain various reports
Maintain an accurate aging report
Carry out billing, collection, and reporting activities according to specific deadlines
Follow established procedures for processing credit applications, adjustments, checks, etc
Submit delinquent accounts to collections, as needed

Credit Specialist Resume Examples & Samples

Facilitating timely credit reviews for new and existing accounts, reviewing financial statements and recommending appropriate limits, terms, etc., in compliance with established policies
Partnering with both customers and internal departments to conduct research and obtain all relevant information needed to assess customer creditworthiness
Proposing enhancements to accounts receivable policies and procedures
Performing Master Data cleansing tasks to ensure quality and accuracy

Credit Specialist Resume Examples & Samples

2+ years work experience in credit, finance, accounting, customer service, and/or a related field
Intermediate proficiency in Microsoft Excel or Access, or the ability to be trained
No immigration sponsorship available
Bachelor’s degree in a finance, accounting, business or a related field
Credit/collections experience and/or customer service experience related to large corporate customers
Experience in Microsoft Office (Word, Outlook and Access)
Excellent organizational and time management skills, with ability to manage multiple priorities and meet deadlines
Must have demonstrated initiative and ability to work independently
Self-motivated and both detail and process oriented
Strong critical thinking and decision making skills

Senior Credit Specialist Resume Examples & Samples

Main focus on mortgage loans ( residential and investment properties in France) including some structured Lombard loans
Main tasks include analysis, monitoring and structuring of mortgage related credits. by providing input on issues such as alternative financing solutions, collateral, facilities required and credit limits admissible according to prevailing credit policies, directives and in line with the risk appetite of the bank,
Make credit decisions or prepare requests for credit decisions by a higher approval level
Provide professional advice and assistance to Relationship Managers within the Credit Suisse Group for credit related matters and products
Monitor the mortgage during the life of the loan (e.g. follow up on covenants, tenors, identify increased risks and perform interim reviews)
Liaise with relevant stakeholders within Credit Suisse group such as relationship managers, structuring team, finance / treasury, local management, legal, functional management and other credit risk management teams within the group
University degree or equivalent, preferably in Economics or Finance
Minimum 5 years working experience in mortgage credits, especially related to the French market, good knowledge of mortgage credit for other types of products (e.g. commercial real estate) and other jurisdictions as well as standard and structured Lombard loans would be a plus
Sound understanding of the French property market and good understanding of financial products (all asset classes)
Experienced user of MS Office tools, open to new system environments
Good analytical skills, excellent team player; hands-on mentality, take ownership and be persistent, good risk awareness and solution oriented,
Strong communication and negotiation skills, demonstrated ability to deal with a large variety of stakeholders and present complex matters to Senior Management

Credit Specialist Resume Examples & Samples

Partner effectively with various internal departments (i.e. Customer Service, Sales, Finance, and Billing)
Handle incoming calls & emails from customers and field associates regarding account transaction requests and business questions
Research and resolve a wide variety of transactions interacting with customers and the field
Process requests such as credit card payments and dispute initiation, provide copies of invoices and any other applicable requests
Manage workload and complete assigned duties to ensure commitments are delivered within our SLA requirement
Effectively communicate status of items within areas of responsibility to the manager and leads
Participate in continuous improvement of processes
High school diploma, or equivalent
Basic proficiency in Microsoft Excel
No immigration sponsorship available for this role
Bachelor’s degree in accounting, finance or a business-related field
Prior experience in a credit / collections, call center or customer service environment
Mainframe, SAP, & AS400 experience a plus
Intermediate proficiency in Microsoft Excel and Word
Effective oral and written communication skills, organizational skills, and attention to detail
Demonstrated ability to work independently, take initiative, and handle multiple tasks
Ability to handle sensitive situations and maintain customer loyalty while working through the resolution process
Training experience
Previous experience in an inbound/outbound call environment

Credit Specialist for German & Austrian Markets Resume Examples & Samples

Negotiation for the collection of overdue payments to avoid potential losses
Putting in place repayment plans that balance customers ability to repay and ongoing account management
Card member account analyses handling calls within the guidelines of the credit management operating system
Creatively pursue customers
Deliberately avoiding repayment resolving and preventing future recurrence by educating customer on particular/card features
Fluent in English & German, written & spoken
Highly assertive
Ability to use judgmental decision making to drive customer loyalty and growth for the business High degree of customer communication/sensitivity
Ability to learn wide variety of technical and business skills
Ability to “think on your feet”
Communication (verbal & written)
Good sense of initiative

Letter of Credit Specialist Resume Examples & Samples

Responsible for day-to-day processing of Letter of Credit, Collection and Trade Finance transactions to facilitate revenue generation and business development
Responsible for one or more of the following: o Issuance of Standby and Commercial Letter(s) of Credit upon proper credit approval/receipt of required application documentation o Advising Export Letter(s) of Credit to customers o Examine documents presented under all types of L/C's for compliance to terms/conditions and pays as directed
Monitor standby Letters of Credit with auto renewal clauses and prepare billings/invoices for fees
Process Import/Export Documentary Collections, Trade Finance Loans and fees on all products
Provide counsel to customers/branch personnel on technical aspects of products/processes
Input(s) all transactions into the trade finance system
Assist with reporting as needed
Review Letters of Credit applications for inconsistencies, process payments and ensure internal operations department receives original signed applications from branch
Communicate with customers and branch personnel regarding Letters of Credit terms and conditions
Assist in the documentation collections area and perform other duties as assigned
Requires a high school degree or equivalent and 1+ year of banking experience. A combination of education and experience may meet job requirements
Experience with international trade and/or letter of credit operations experience within a financial institution or other directly related experience highly preferred
Working knowledge of trade finance transactions, letter of credit issuance and documents, collections and compliance regulations desired
Knowledge and understanding of SWIFT and FedWIRE transactions a bonus
Good customer service, communication and interpersonal skills in order to interact effectively with clients and all levels of Bank personnel
Basic computer experience required, e.g.. Microsoft Word, Excel, Outlook and PowerPoint

Credit Specialist Resume Examples & Samples

Oversees the opening of new credit accounts and requests for additional credit. Compiles bank and trade references, credit reports and business reports
Analyzes and evaluates credit applications and financial information using sound judgment. May approve credit lines up to a pre-defined limit. Recommends approval/rejection of credit applications to management
Answers customer questions regarding account status and billing issues; handles inside sales requests regarding restricted accounts and accounts exceeding their credit limits in order to protect the company from future uncollectible accounts; collaborates with sales and operations management to address payment issues
Monitors the collection of past due accounts, contacts customers for payment as well as determines lien rights and possible holds; may address moderately complex situations or escalates to a more experienced specialist or management. Creates collection correspondence and prepares lien documents for management action as needed
Verifies proper general ledger accounting through credit account analysis and reconciliation
Participates in monthly/quarterly/annual closing cycles and financial statement preparation
Assists in annual audits through collection of information on general ledger accounts
Develops and maintains sound relationships with various credit agencies
Responds to information requests from regional offices and/or corporate management
Understands and observes all safety procedures and practices in order to prevent injury to self or co-workers; attends periodic safety meetings as required; may recommend changes to improve safety procedures

Credit Specialist Resume Examples & Samples

HS Diploma or equivalent
1-2 years of related experience
18 yrs of age or older
Knowledge of MS applications and Lotus Notes
Knowledge of credit provider systems
Ability to pay high attention to detail

Credit Specialist Resume Examples & Samples

Works closely with Credit Representatives to ensure productivity, handle uncommon customer inquiries, and prioritize daily work assignments
Prepare for and lead regular team meetings to ensure their benefit and value towards achievement of team goals
Visit customers periodically to establish effective business relationships
Responsible for collecting past due balances of large and special accounts, as well as handling most other credit-related issues for assigned accounts. Works on special projects of a highly complex nature
Participates in the interview process for new Credit Reps, assists in the on-the-job training, provides informal performance feedback, and fills in for the supervisor or manager in his or her absence
Responsible for credit decision making, including establishing general credit limit guidelines based on customer credit history, approving and establishing customer payment plans and writing off or working with appropriate level of management to write off bad debt
Reviews customer accounts and reconciles or reapplies payments to specific invoices or accounts, as appropriate
May handle equipment orders, which requires careful review of customer credit history, often working with a lending source or leasing company, and with the Equipment and Design departments during the installation process
Prepares collection letters for the reconciliation of unauthorized deductions and past due invoices. Compiles related documents for customer accounts going to collection agencies
Participates in special projects and performs other duties as required
Meeting company standards pertaining to quantity and quality of work performed on an ongoing basis, performing all work related tasks in a manner that is in compliance with all Company policies and procedures
Adhering to Company policies, procedures, and directives regarding standards of workplace behavior in completing job duties and assignments

Credit Specialist Resume Examples & Samples

Obtain and review information from D&B, and customer provided trade references for new accounts. Approve or deny customers on the basis of the customers' credit status. Assign credit terms and dollar limits based on the information provided with a maximum limit of $5000. Relay terms of account to the customers and division customer service departments
Within authority, restrict, suspend, or terminate additional orders and shipments to such customers
Release orders to manufacturing and shipping based on customers account status. Place customers on production and shipping holds
Maintain customer accounts, applying payments and credits. Communicate directly with customers to collect delinquent accounts
Act as audit control for sales related accounting entries imported from the division order entry, billing systems for General Ledger accounting accuracy
Reconcile daily the cash collected and applied to customer accounts; maintain the accuracy of assigned accounts receivable
Directly work with division customer service and shipping departments to track customer complaints, claims, and disputes for resolution and collection
Maintain records of credit reviews and diaries of oral communications and copies of correspondence with customers regarding delinquencies, claims, disputes, and agreements for resolution and action taken

Loan Credit Specialist Resume Examples & Samples

Exhibits the ability to utilize objective and subjective criteria to render a decision
Responsible for reviewing financial statements, identifying project cash flow and debt service obligations on information provided in loan application that renders an accurate global cash flow
Analyzes the financial condition of existing and prospective bank customers. Accurately reviews financial statements and tax returns submitted by applicants and is capable of evaluating a Borrower’s ability to repay
Aggressively seeks alternative means of financing or counter offers for all borrowers when it is determined that the original request cannot be accommodated. May be required to restructure, up-sell if appropriate or renegotiate terms of existing banking customers
Mentor to CRE Underwriter I position
Assist with CRE Underwriter I workload when necessary
Assist DACs, if needed, with the following
Due Diligence or other loan conditions clarification
Interpretation of relevance of due diligence exception items
Appraisal, Survey and Environmental assessments
College degree in accounting, finance or economics is preferred
3-5 years of commercial RE lending or work out experience, preferably in the banking industry
Familiarity with the Bank’s internal applications is helpful
Must be attentive to detail and possess excellent verbal and written communication and organizational skills
May be required to successfully complete an extensive commercial credit program
Good personal computer skills with knowledge of EXCEL spreadsheet and WORD processing programs and / or Application Processing System
Knowledge and familiarity with deposit and loan accounting systems is helpful

Credit Specialist Resume Examples & Samples

Make and receive credit calls
Ability to make credit decisions based on application information
Ability to read credit bureau information from multiple bureaus
Monitor client account details for non payments, delayed payments and other irregularities
Follow established procedures for processing credit applications
2-5 years of experience
Experience reviewing applications for credit worthiness
Collections experience is a plus
Must have a working knowledge of Microsoft Excel, Access, and PowerPoint
Critical thinking and problem solving ability
Skilled in problem resolution and providing best practices solutions
Effective at performing detail oriented tasks, and data analysis
Exceptional written and verbal communication skills to manage across functions at various levels
Self-motivated individual with the desire to succeed and motivate others

Credit Specialist Resume Examples & Samples

Process & document client bank return transactions
Assist with client termination process in our payroll system
Process term client paperwork and prepare collections package
Prepare credit check information for new client review
Help complete system audits to confirm clients are properly coded
Prepare monthly reporting on our client base
Assist other team members as necessary
Detail oriented with the ability to comprehend numerical and financial data
Able to communicate verbally and in writing in a clear, concise and professional manner
Proficient in Microsoft Word and Excel

Consumer Lending Consumer Credit Specialist Resume Examples & Samples

High School Diploma and sufficient related experience
PC knowledge with comfort working in a Windows environment
Ability to work under pressure in a fast paced environment
Commitment to providing World Class Customer Service to our customers and bank partners
Must adapt easily to change

Domestic Credit Specialist Resume Examples & Samples

Act as cross functional coach, as well as facilitator to gain buy in, resolve conflict and deliver results
Lead cross functional projects that deliver improvements in the eyes of our customers
Teach and mentor green belt candidates and projects
Energize, coach and facilitate cross functional teams, while fostering an environment of trust, camaraderie, team work and results
Find more ways to let the voice of our operators be heard and ideas for improvement acted upon to improve our company in the eyes of our customers
Be the example to leaders across our company, helping them to see through adversity, deal with ambiguity and follow a vision to new and improved processes
Maintain a relentless focus on removing waste to add capacity and give the business room for growth
Assist leaders and managers with project prioritization and initiation
Bachelor's degree required
5+ years of experience leading process improvements in a manufacturing environment
Black Belt Certification required and Certified Master Black Belt preferred
Track record of natural curiosity with demonstrated continuous effort to develop and grow self and others (read books, take classes, etc.)
Advanced Excel skills required; Working knowledge of WORD and presentation skills required
Demonstrated ability in a startup program or significant contribution to an LSS rollout
Inner drive and strong desire to tackle the biggest challenges facing our company daily and deliver timely results to improve
Ongoing effort to better understand our customers and to empathize with them
Courage to act when others hesitate and it matters to our customers (customer advocate)
Ability to act as an inclusive leader with humility and an openness to diverse ideas and input
Understanding that it is OK to fail if we learn from it, and an ability to allow others to do the same
Ability to lead a team through conflict with confidence and composure
Ability to lead effectively within a team environment; teamwork must be a priority
Coaching, mentoring and educating skills
Requires excellent written and verbal communication and interpersonal skills
Strong analytical and proven problem solving skills required

Credit Specialist Resume Examples & Samples

Establishes relationships with sales executives, relationship managers, product managers and commercial directors to diagnose, design and deliver workflow solutions for more complex clients. Has solid knowledge and is critical resource for the team
Ensures that team is aware of trends and responds to market demands with relevant products and services to drive revenue
Leads pre-sales activities such as responding to RFPs, providing training, or designing SOWs. May also lead post-sales implementation plans, if required in conjunction with other implementation teams
Trains senior sales executives and relationship managers on complex products and industry topics. Ensures that sales teams are knowledgeable and conversant in segment workflow challenges
Provides product and industry training to junior sales executives and relationship managers in domain of expertise
Has solid understanding of S&P Global MI products and technical requirements
Uses strong industry, product, and client expertise to solve complicated client workflow challenges
Significantly impacts the sales and revenue results of the team. Critical to sales and account penetration
Bachelor's degree required. MBA, advanced industry certification, or technical degree a plus
3-5 years relevant industry experience and a proven track record in complex technical sales

Credit Specialist Resume Examples & Samples

Bachelor’s degree or combination of education and directly related experience
Has 5-7 years of banking experience with a minimum of 3-4 years of direct portfolio management experience
Demonstrates strong underwriting and projection skills
Has strong understanding of credit policy and procedures and is able to accurately risk-rate loans/credits, evaluates both cash-flow and collateral-based loans/credits
Develop problem loan credit solutions

Credit Specialist Resume Examples & Samples

Bachelors degree or a degree-seeking candidate in Finance, Accounting, Economics or a related field
Four years previous experience in credit, finance/accounting or related field may be substituted in part
Experience in Microsoft Office Suite software (Excel, Word, Access, Outlook)
Previous analytical experience with high aptitude for research, analysis, and problem solving skills
Effective communication skills with all levels within the organization, both oral and written
Ecolab Mainframe, SAP, AS400, GetPaid
Previous Ecolab experience
Training and/or leadership experience
Excellent organizational and time management skills, with ability to manage multiple priorities and meet deadlines in multi-division, fast paced environment
Customer service focused; ability to partner with internal/external contacts
Problem resolution skills and experience
Demonstrated initiative with ability to work both independently and with a team
Ability to maintain a positive attitude and adapt to a continuously changing environment
Ability to handle confidential information
Adaptable to multi-system environment

Credit Specialist Resume Examples & Samples

High School Diploma or G.E.D
2 college level accounting classes (2.0 GPA in each)
1 year word processing and spreadsheet software experience

Credit Specialist Resume Examples & Samples

Performs in depth credit analysis in partnership with Relationship Manager on potential and existing Commercial Real Estate customers to determine alignment with TD Bank products/structure TD Credit Risk Appetite and credit policies/underwriting guidelines. Analysis includes but is not limited to, liquidity/cash flow sensitivity, market and industry sector
Experience with analysis of publicly-traded REITs and private equity funds a plus
Partners with the CRE Relationship Manager on potential structure proposals that are in alignment with TD Bank products/structure, TD Credit Risk Appetite and credit policies/underwriting guidelines
With support from the Credit Analyst, prepares credit applications for new and existing Commercial Real Estate borrowers; Applications shall include new transactions, extensions, modifications, renewals, Annual Reviews, Portfolio Reviews, and Criticized Asset Reports
Ensures credit applications provide a high quality of risk assessment, credit structure, due diligence, and credit presentation and adheres to AIRB methodology and addresses TD Bank’s profitability objectives
Manages a portfolio of primarily secured loans to Special Purpose Entities. Ensures the managed portfolio is comprehensively monitored and controlled, adhering to and administered within approved guidelines and in line with established operating policies and procedures

Credit Specialist Resume Examples & Samples

Review and accurately data enter various lease and loan applications in credit processing system (i.e. name, address, tax ID, loan terms)
Process applications promptly and accurately; follow up via email/phone for missing and pending information
Conduct employment verifications and bank references on potential clients
Assist credit department with month end duties including purging and shipping files to storage facility and maintaining accurate department logs for tracking
Good team player with a positive can-do attitude
Highly motivated to learn the industry with an interest in Finance, Loans, or Commercial Leasing highly preferred
Able to juggle multiple tasks and enjoy working in a dynamic and fast-paced environment
Excellent communication skills required (verbal and written); able to communicate effectively with Executive Sales Officers and Credit Department to provide updates and follow-up on missing information
Detailed oriented with good data entry and time management skills; able to meet tight deadlines
Quick learner, proactive, work well independently
Work experience in banking or loans a plus
Knowledge of Microsoft Word, Outlook, and Excel; knowledge of leasing systems a plus (Aspire)

Senior Credit Specialist Resume Examples & Samples

Verify and accurately data enter various lease and loan applications in credit processing system (i.e. name, address, tax ID, loan terms, etc)
Run credit checks and other compliance and regulatory reviews of loan applications such as OFAC, public records, company information, etc
Conduct credit and employment verifications on potential clients
Assist credit department with month end duties including purging and shipping files, maintaining accurate department logs for tracking, and assisting in month end reporting
5 years banking experience required; knowledge in a commercial lending environment preferred
Knowledge of commercial lending product lines required
Good team player with a positive attitude, able to multitask and meet deadlines
Detailed oriented and proactive with good time management skills
Excellent communication skills required (verbal and written)
Knowledge of Microsoft Word and Excel preferred

Credit Specialist Germany, Frankfurt am Main Resume Examples & Samples

Relevant work experience in Credit or related domain
Excellent interpersonal skills; communication (verbal & written) and presentation
Be a strong team player with a high level of personal accountability
German and English language skills are business standard
High level of integrity, willingness to learn and adapt to changes
Consistently executing tasks accurately in an demanding environment
Ability to work within pre-set goals and team targets
Previous experience in a call centre environment is an advantage but not a must

Temporary Credit Specialist Resume Examples & Samples

Collection on past due invoices for up to 3,000 accounts within terms for 4 sales channels
Daily outgoing phone calls to collect on commercial customer accounts
Responsible for reviews of credit lines increases up to authority level to $5k
Resolves customer account issues including past due invoices to assure timely payments
Assist customer service to insure credit /rebills are issued in timely manner for any collection issues
Monitor account activity with A/R to assure proper application of payments or adjustments
Maintain effective, well written communication of e-mail, voice mail, and system notes
Professional and timely communication with Sales team and management on credit hold issues and strategies
Review and recommend accounts for final demand notices & outside collections
Gather and prepare credit card information from customers for payment on accounts
Prepare customer refunds for over payment
Performs other related duties as assigned

Loan Credit Specialist Resume Examples & Samples

Same as Underwriter I & II PLUS
Provide loan decisions and/or credit recommendations based on a review of all underwriting criteria, including loan structure, collateral, interest rate, and fees
Provide specific due diligence conditions required to approve deal
Analyzes various industries and has a thorough knowledge of the risks associated with those industries. Assesses the risks inherent in each industry and suggests appropriate financing vehicles
Mentor CRE Underwriter I & II positions
Assist with workload or over-ride requests for CRE Underwriters I and II
1 year of credit analysis and/or loan review experience, preferably in the banking industry
5 to 7 years’ experience in commercial RE loan underwriting and RE work out
Experience in business or commercial segment client relationship management

Credit Specialist Resume Examples & Samples

Ensures the managed portfolio is comprehensively monitored and controlled, adhering to and administered within approved guidelines and in line with established operating policies and procedures
Interprets and applies TD’s risk management strategy (both credit and operational)
Understands changing market conditions and remain knowledgeable of relevant industry issues
Manages aspects of the customer relationship including, but not limited to, reviewing reports and delinquencies, sign off of covenant compliance forms and determining strategy if failures occur, completing monthly monitoring; overseeing Credit Analysts that will provide support in these responsibilities

Credit Specialist Resume Examples & Samples

Review all inbound requests for Merchant Refunds; Wireless, Digital Content, Long Distance, 3rd Party Gift, Financial Services and others as required
Ability to learn and understand products provided and refunded
Ability to follow processes set for validation, based on product type
Analyze billing reports from multiple billing platforms
Ability to accurately process credit and debit transactions, understanding the accounting behind each transaction
Ability to research, analyze and problem solve
Exercise discretion on sensitive and confidential matters
Escalate issues to management when required
Excellent oral, written and interpersonal communication skills
Work with internal and external customers in a professional andeffective manner to resolve requests for refunds by phone or email
Ability to work effectivley with little supervision
Advanced experience with Excel – including pivot tables and vlookup formulas
2 year accounting experience
1 year refund experience
1 year call center experience
Must have strong organizational and analytical skills
Account Reconciliation Experience
Committed Loyalty
This position is eligible for the Employee Referral Bonus Program

Credit Specialist Resume Examples & Samples

Manages account to ensure that it’s compliant to company’s credit and collection policies, practices and procedures to the credit requirements of a designated number of customer accounts within specified authority levels
Oversees workflow and day to day credit activities for claims and cash people assigned to the Specialist’s portfolio of accounts
Negotiates any settlement agreement on behalf of UMG on accounts within their portfolio
Ability to analyze and interpret financial statements
Working knowledge of current credit market conditions
Knowledge of UCC code
Basic accounting knowledge
Ability to interact with all levels of management
Ability to develop customer rapport
3-5 years of relevant experience in a similar role (i.e. Credit or Finance)

Credit Specialist Resume Examples & Samples

Providing an exceptional client service to a high net worth and ultra-high net worth client base throughout the end to end credit process
Pro-actively keeping clients informed on the progress of their applications and taking necessary actions and ownership to ensure they are progressed appropriately
Ensuring at all times that you work within the appropriate governance and control environment so that legal, regulatory, audit and compliance responsibilities of senior colleagues are discharged effectively - with any risks or concerns escalated quickly to management to achieve rapid resolution
Taking part in periodic book reviews to ensure risk and returns are achieving desired target levels
Proactively and pre-emptively (where possible) identify issues or problems, including tax, reputational and conduct risks and collaboratively engage legal, compliance, operations, finance, tax to find solution
Holding a proven track record and experience in the sales, service and day to day management of credit products, along with developed credit skills, with a broad knowledge of financial marketplaces
Having a solid understanding of the credit market & credit risk arena
The ability to communicate at a senior level, with a focus on continuous improvement and a strong desire to develop the business
Holding deep technical knowledge and experience of the credit market and will have experience structuring lending transactions across a variety of markets, jurisdictions, client types and forms of collateral

Credit Specialist Resume Examples & Samples

Interact with borrowers to verify identity and/or employment information, explain documentation requirements, and answer any questions borrowers may have regarding their loans
Perform manual underwriting of personal loans in accordance with Lending Club policies and procedures
Review and verify financial documents such as pay stubs, W2, 1099's, tax returns, bank statements, etc
Maintain highest level of customer service and quality

Credit Specialist Resume Examples & Samples

Five or more years of online marketing experience
Development of integrated marketing programs that with a strong focus on analytics
Three or more years of SEO/SEM experience
Experience managing agency relationships strongly desirable combined inbound and outbound tactics
Previous experience with A/B and multivariate testing
Familiarity and experience with reporting tools and methodologies
Agency experience a plus
Technical skills (programming, user interface, systems integration, Web development)
Ability to manage multiple projects in a fast-paced, deadline-driven environment
Communication and influence
Ability to manage the daily execution and monitoring of multiple performance media plan
Excellent problem solver
Innovative
Rational/logical
Collaborative
Flexible/adaptable
SiriusDecisions Demand Waterfall
SiriusDecisions Buying Cycle
Demand type and how it relates to the Web experience
Organization's product/service mix
Key industries/segments
Technology trends
Web technology use/optimization
Personas
Company brand/value proposition
Current and emerging Web/Internet applications
Web testing methods

Credit Specialist Resume Examples & Samples

Account reconciliations and collection
Analysis of customer financial statements for credit limit and term
Problem Solve – be able to understand and assist with any issue regarding payments, or reconciliations. Know who to contact for assistance or approval for variations to standards. Provide timely, thorough follow up to ensure resolution
Communication/Customer Service – provide prompt, accurate responses to inquires and requests for help whether in writing or over the phone in a professional manner
Establish/Build Relationships – Establish and build relationships with internal personnel and create ongoing relationships that ensure effective teaming and efficient business
Must be able to work in a fast paced – at times stressful – environment
Ability to understand priority needs of the company and adjust when directed
Self-motivated and be able to demonstrate initiative
Proficient with Windows, Excel and Word
Basic Accounting Knowledge
Ability to read, interpret and analyze financial data
Must be able to read and interpret instructions, policy, procedures, program information, etc
Must be able to work independently and manage multiple projects
Ability to problem solve
High school graduate required
College degree preferred
AR/Credit experience required
LI-DK1

Credit Specialist Resume Examples & Samples

Streamline processes across campuses
Minimum 2 years relevant experience is required with an Associate’s degree
Minimum 8 years relevant experience required without a degree
General knowledge of changing economic conditions
Knowledge in use of personal computer and PC Software (Microsoft Office)
Knowledge of SAP a plus
Ability to work independently with minimal supervision
Willingness to provide superior customer service
Ability to problem solve through technical and analytical analysis
Strong skills in experience and improvisation through the use of innovative thinking
Ability to manage competing priorities through the use of outstanding time management and multitasking skills

Senior Credit Specialist Resume Examples & Samples

Lead projects to improve credit operational efficiency while working in a fast paced and collaborative work environment
Identify the KPIs to be evaluated in each test effort to be run
Driven towards improving Credit operations by re-evaluating current policies, analyzing effectiveness of new procedures, and engaging in discussion of Credit and test improvements
Take accountability in ownership of projects, hands-on execution of tests from start to finish, data analysis, test documentation, and representing the test team in delivery of results

Credit Specialist Resume Examples & Samples

Manage credit activities for assigned account portfolio; request payments of delinquent invoices, resolves variances between amounts charges and credits issued and assist customers in understanding charges
Evaluate credit worthiness of assigned accounts to determine financial risk to the company resulting in releasing orders for shipment, delaying future order and potential adjustments to credit lines
Fulfill customer’s requests for duplicate invoice copies, shipping papers, proofs of delivery or other documents as needed to reconcile accounts
Maintain timely communication with internal departments to ensure timely payment of delinquent invoices; directly impacts cash flow and monthly DSO for the company

Credit Specialist Resume Examples & Samples

Perform written and verbal verifications as assigned, taking all necessary steps to properly safeguard sensitive information
Evaluate and document verification responses within the Verification Database
Experience with Microsoft Excel, Word, and Outlook required
Mortgage loan document familiarity required
Must be able to work independently

Credit Specialist Resume Examples & Samples

1 – 3 years experience in accounts receivable, collections and/or credit
Knowledge of computer systems and other office equipment (i.e., fax, copier.)
Experience in dealing with customers to help resolve problems
Excellent communication skills. Diligent in one’s work
Attention for detail
Ability to work with a group
Good at problem solving
PC literacy is required
Dependable
Maintain organization and documentation with the ability to keep notes and follow-up skills

Credit Specialist Resume Examples & Samples

Filing
Process and generate customer invoices
Work with Logistics to obtain proof of deliveries
Basic understanding of international commercial terms, bill of ladings
Setting up new accounts
Reconciliation of customer account discrepancies
Process account adjustments for RGA (return good authorization) or RMA (return material authorization)
Process account adjustments for royalties and sales discounts
Generate reports, agings, past due invoices, customers, etc
Assist as needed
Revenue recognition
Bill of Ladings
Credit holds
Calculating customers’ total indebtedness
Sales discounts
Understand D&B reports and predictive scoring
Identifying strengths and weaknesses of financial statements
Understand financial ratios
New account set-ups
Trade and bank references
Resale certificates
Collection
Cash application
Electronic Funds Transfers
Letters of Credit

Credit Specialist Resume Examples & Samples

Strong teamwork skills and ability to meet deadlines
Experience within a call center environment preferred
Interpersonal and problem-solving skills
Auto Finance experience preferred

Credit Specialist Resume Examples & Samples

Help manage the existing complex credit book with particular focus managing expiries, including the risk rated iCap credit portfolio and the CLASS Non-Standard PCA overdraft credit portfolio. This will include identifying expiries ahead of time and working with the Private Bankers/Associates to ensure appropriate information is attained, inputting credits directly into iCap and/or CLASS, partnering with risk management adjudication assessing credit risk, partnering with retail operations on any new security documentation and partnering with associate/private banker role on any loan documentation
Support leadership team in preparation of deal summaries on large credit requests to allow an appropriate early engagement with senior leadership within Private Banking and Risk Management
Active engagement within the local Private Banking office ensuring the Private Banking Advisor and Associate audience are well aware of credit policy and procedures within the Private Banking segment. This will include regularly joining local meetings and presenting information as required while also working closely with the Executive Director and CSM to ensure an appropriate focus on credit
Partner with CSM/ED to ensure required attestations have been appropriately completed as it relates to credit related requirements including assisting any credit file reviews
Oversee DOL process to ensure temporary excesses have been appropriately approved escalating issues to the Director of Credit if appropriate
Oversee monthly margin reporting ensuring reporting deficiencies and short positions are rectified in a timely manner escalating issues to the Credit Specialist if appropriate
Provide advice and guidance to Private Banking Advisors and local leadership on appropriate pricing and fee structure for complex credit requests

Credit Specialist Resume Examples & Samples

Provide and support the commercial area to choose the best financial solution for each of its projects
Structure and support local and international financing through Supplier’s credit
Collect document to prepare risk assessment and credit report
Follow up on credit analysis/approvals of local banks
Filter and escalate deals to the Latam credit committee as needed
Participate in Hispanic Credit Committee
Manage credit limit setting and review, including all distributors
Approve orders and release orders in SAP and similar ERP
Prepare KPI report of orders approved
Manage risk at a local/corporate level to ensure transparency of risk portfolio and to highlight when credit exposures are increasing beyond risk appetite
Document all credit approvals

Credit Specialist Resume Examples & Samples

Ensure collection calls are made each week on any past due account
Acting on any special requests to speed the collection process, while attempting to resolve any discrepancies that will help with the collection process
Serve as the liaison with sales managers and Marketing Consultant's regarding credit/cash issues
Ensure all money is received for Longform and Paid Programming clients based on credit guidelines
Review orders on Credit Hold in OSI/WO for all clients every hour to maximize inventory
Maintain credit/collection filing system for all clients
Maintain reports in Shared drive and email monthly to Sales Managers for help with accounts
Send out 10-day demand letters, when necessary
Audit any account, as needed, for verification of billings and payments
Initiate refunds in HelpTrac system
Must possess good customer service skills
3 - 5 years collection experience in media field preferred

Credit Specialist Resume Examples & Samples

Collect overdue receivables
Initiate out-bound, and respond to in-bound, calls
Negotiate payment arrangements with customers
Maintain a positive relationship with customers ensuring prompt payment of accounts and positive conflict resolution
Route customer disputes to the appropriate parties for resolution
Must have excellent Excel skills and solid PowerPoint skills
Experience in collection of accounts receivable, including negotiation and follow-up helpful but not required
Must have excellent customer service skills
Must have excellent communication skills both verbal and written

Letter of Credit Specialist Resume Examples & Samples

Requires a high school degree or equivalent and 1+ year of related international trade and/or letter of credit operations experience within a financial institution or other directly related experience
Working knowledge of trade finance transactions, letter of credit issuance and documents, collections and compliance regulations
Knowledge of and understands SWIFT and FedWIRE transactions

100

Credit Specialist Resume Examples & Samples

Responsible for ensuring timely new customer / new job set up; this includes all required due diligence and analysis – Credit reports, trade references, financial analysis, system set up, creation of electronic file; and, credit risk decision making responsibility within delegated levels of authority
Collection of delegated accounts; this includes both verbal and written customer contact, timely follow, reporting, and high level of customer service orientation
Achievement of operational goals and metrics within defined company parameters
Contribute to the develop and ongoing improvement of the New Account Team
Other assigned duties
Hours range from 7am to 6pm
A strong interest in pursuing a career in the Credit Management field
A team player with a “positive, can do” attitude
High level customer (internal and external) service orientation and focus
Strong communication skills – written and verbal
Initiative, examples of doing more than asked/required
Computer literate and proficient in Excel, Word and PowerPoint
Solid organizational and time management skills
Excellent interpersonal skills and demonstrated ability to deal positively with conflict
Self-starter, can work without constant supervision once trained
Adaptable to change
Degree or some college credit and experience preferred
Get Paid software experience a plus

101

Credit Specialist Resume Examples & Samples

Strong financial analysis and excel skills and ability to work independently in a fast pace environment to proactively analyze, reconcile, and understand financial results, provide clear and accurate commentary for key business drivers, and identify root issues and recommend/drive remediation
Strong and effective verbal and written communication skills with internal and external customers are required
Experience Requirement
Functional expertise in areas of: financial analysis, credit risk assessment & collection, deduction management resolution, AR and DSO actual reporting & forecasting, and LEAN or SIGMA process improvement
Proactively identifies issues or concerns and works with others to determine an effective course of action
Prioritize and manage multiple tasks in a timely and accurate manner
Ability to communicate effectively both verbal and in writing and work as a team member
High degree of independent problem solving, negotiating and decision making skills
High proficiency in SAP and Microsoft Office applications, specifically Advanced Excel and PowerPoint

102

Credit Specialist Resume Examples & Samples

Daily Credit Functions
High school diploma, two years post high school education preferred
Minimum of one-plus years experience in business A/R or Credit preferred
Must have the ability to clearly communicate with customers via phone, email, fax or mail
Proficient with Microsoft Office Suite (Word, Excel, Power Point, Outlook
Solid background in commercial credit and collections preferred

103

Credit Specialist Resume Examples & Samples

6, Initiating and following up the bad debt write-off process for the long aged receivables proved to be uncollectable
7, Keeping close communication with all kinds of internal and external customers, finding solutions for different problems in daily job, trying optimize working processes to improve efficiency
8, Support internal and external audit by providing necessary documents of credit assessment/temporary credit facility/ collection activities
1, High accountability, hard-working attitude, and process optimization oriented
2, Good communication skill and conflict management skill
3, At least 4 years of related working experience
4, Bachelor degree of Finance/Accounting/ Economics/ Legal or similar majors
5, Good English skill on both written and oral communication

104

Credit Specialist Resume Examples & Samples

Review and resolve billing issues with effective communication to store personnel
Perform standard collections of unpaid customer account balances while maintaining customer relationships
Maintain required documentation of all collection efforts
Research and resolve standard customer disputes required to effectively complete the collection process
Complete routine customer account reconciliations with input from internal clients and external customer
Maintain delivery of service levels in accordance with established agreements
Use of effective verbal and written communication skills to handle customer inquiries and escalate as needed
Bachelor’s degree preferred or 4 years relevant work experience
Collaboration
Managing Work
Continuous Learning
Demonstrated ability to take action, multi-task, and achieve results in a fast-paced and changing environment
Excellent teamwork skills and demonstrated ability to interact with and influence all levels and types of people
Exceptional computer skills, including accounting systems knowledge of Excel specifically with the use of complex formulas and functions, to include but not limited to VLOOKUP, Pivot Tables, IF and nested IF Statements
Experience in SAP, PeopleSoft , Lawson or Tire Pro preferred

105

Rental Credit Specialist Resume Examples & Samples

Works with Rental, National Rental, and FMG sales group on credit requests on new customers and increased credit lines for existing customers
Assist Lease analyst in initial review of lease assignments handling preliminary credit review for assignee/assignor and obtaining Ryder documentation including TLSA, nfusion information and Ryder history
Reviews credit reports, Ryder and company history, and financial statements
Performs review on customer to determine any deterioration of their credit worthiness and re-evaluate the desired exposure, determining the proper credit line as well as an action plan to reduce our rentals if needed
Communicates to stop loss, collections, sales and operations on problem or high risk accounts by e-mail or conference calls to advise of potential loss
Verify all critical documentation & security is received from customer (ACH amendment, cash deposits, ILOC's, guarantees, etc.)
Assist daily with Credit Hold Mailbox reviewing emails to make sure proper information is given
Assist with Ad hoc tasks required within the department

106

Credit Specialist, & Above Resume Examples & Samples

Understanding of Card Brand Rules and Regulations
Previous underwriting experience is a plus
Experience in bank or bankcard industry
Extremely customer-focused; positive, professional attitude
Ability to deliver bad news and talk with combative merchants, while remaining calm
Above average research and analysis skills
Very good organization and work prioritization skills
Ability to work in fast paced, repetitive environment

107

Credit Specialist Resume Examples & Samples

Highly consultative self-starter with a minimum 2 years of current collection or sales experience
Basic accounting skills required (basic understanding of debits and credits)
Resolve complex issues in an ambiguous environment
A strong will-to-win and the ability to thrive in an incentive and goal oriented environment, superior communication skills, in both positive and negative situations
Proficient PC skills including experience with MS Office products and Internet navigation

108

Credit Specialist Resume Examples & Samples

Set up National Accounts and Instant Credit
Establish, monitor and maintain customer credit files
Reconciliation of unapplied cash, chargeback/deduction resolution
Customer service and follow-up for related entity
Order releases for related entity
Project work and back up for other team members
High School diploma or GED, some college preferred
Experience in working in a credit department preferably in the distribution industry
Get Paid software and Oracle experience a plus

109

Senior Credit Specialist Resume Examples & Samples

Determine the creditworthiness of commercial accounts by performing an analysis of various information (such as: Financial Statements, Debt Rating Agency reports, Credit Bureau reports)
Upon completion of the review, the credit analyst is required to asign a credit rating, asign a credit line and asign terms and conditions to best structure the credit risk
The decision will be documented by an analyst write-up which will include the request, structure, recommendation and back-up information supporting the decision
Actively monitor the analyst’s customer set such that all ongoing risks are assessed and appropriate actions taken in a timely manner
Ensure compliance with all appropriate policies, procedures & internal controls when carrying out duties, including the approval of credit lines
Brief leadership on the credit status of assigned accounts on an as needed basis
Communicate regularly with all appropriate stakeholders, including Sales, Operations and Pricing to ensure appropriate business decisions and perform ad hoc projects or risk related tasks on an as-needed basis

110

Credit Specialist Resume Examples & Samples

Contact customers to collect payment on past dues accounts
Perform system transactions in SAP
Take accurate notes of each contact for future reference
Minimum research of accounts
1 to 3 years’ experience in a business related field
Previous collection experience is desired
Detail orientated
Good analytical skills
Strong computer knowledge
Basic Excel skills
Customer Service or Sales experience
Multi-tasking skills

111

Credit Specialist Resume Examples & Samples

Perform credit risk assessment of customers including analysis of their financial condition to determine credit worthiness
Recommend approval or disapproval of credit requests based on the result of credit risk analysis performed
Assist in the releasing or approving of sales orders based on the LOA delegated by the OTC Manager
Ensure that monthly collection targets, Days Sales Outstanding, Past due percentage and other established KPIs are met
Proactively follow up, communicate or collect any outstanding receivables from customers through daily calls, sending of Statements of Account or personal visit
Ensure that the collection report is kept up-to-date and that, customer payments are posted in the system on time
Assist in the preparation of local and regional monthly reports
Participate in sales/collection meeting with customer as needed
Assist in monitoring, documenting and resolving customer disputes
Proactively attend to AR-related concerns or queries from internal and external customers
Continually seek opportunities to improve processes within his/her area of responsibility
Ensure compliance with existing company policies and procedures of Ingersoll Rand
Candidate must possess at least a Bachelor's/College Degree in Business – preferably Accounting
Has minimum of three (3) years of relevant Credit and Collection experience/background is required
Has credit risk and financial training Skills
Has collection and negotiating skills
Computer literate with good scholastic records
Must have excellent communication and high practical learning skills and leadership traits
Hardworking, result-oriented and self-driven team player with a positive attitude
Has willingness to render extended working hours from the usual office schedule due to the nature of the job or for some related activities
Applicants must be willing to work in Parañaque City

112

Transfer Credit Specialist Resume Examples & Samples

Previous high-volume customer service experience in an academic or professional environment
Strong computer skills such as data entry, spreadsheets, and database management
Must be able to work with confidential information, have ability to understand, explain and apply complex policies and regulations, and ability to work effectively in a fast-paced office independently managing multiple assignments, prioritizing and meeting deadlines
Must have excellent analytical and interpersonal skills sufficient to communicate and collaborate with all students, alumni, faculty and staff, and must be able to interact respectfully and comfortably with all individuals in a diverse, multicultural environment
Experience working with student records and/or transcripts
Demonstrated knowledge of institutional admissions policies, transfer policies and the university course catalog
Experience directing the work of others
Experience with large relational databases, such as Banner

113

Credit Specialist, / Senior Credit Specialist Resume Examples & Samples

Ability to exercise a significant degree of independent credit judgment and to communicate effectively both inside and outside of the Credit department
A demonstrated understanding of the market for natural gas and the ability to articulate this knowledge with confidence in the course of interactions with business development groups
Demonstrated proficiency with Microsoft Office; advanced Excel skills a plus
Ability to analyze data, identify issues and develop and defend recommendations
Bachelor’s degree in business, economics, finance or a closely related field
Master’s in Business Administration or equivalent experience preferred
3 years of related work experience that demonstrates sound credit judgment, organizational skills and ability to work independently
Formal credit training strongly preferred
Ability to evaluate and interpret commercial agreements and documents

114

Credit Specialist Resume Examples & Samples

Collection and reporting activities according to specific deadlines
Follow established procedures for processing, adjustments, checks, refunds, etc
Experience with a broadcast traffic system such as Oracle, OSI, or Wide Orbit a plus

115

Credit Specialist Resume Examples & Samples

Sensitively deal with Card Members that are experiencing difficulty repaying the company
Offer the best payment plan to suit the card member’s needs
Liaise with executors and families of our deceased Card Members, providing empathy and support through difficult times
Ensure strict ID verification and compliance with data protection to safeguard sensitive accounts
Uphold the American Express brand image and customer loyalty through outstanding customer service
Work to the highest standards with a balanced delivery of both customer experience and shareholder value
An excellent communicator with exceptional interpersonal skills
Highly empathetic with an accomplished telephone manner
Confident taking initiative and making judgement calls
Able to use negotiation and relationship management skills to provide win-win outcomes
Highly self-motivated, results-oriented and positive
A team player
Well-presented and professional
Passionate about American Express and customer service

116

Credit Specialist Resume Examples & Samples

Meticulous, high reliable and motivated team play with good communication and interpersonal skills
Proactive and willing to engage colleague to resolves issues
Must have the ability to work independently to resolve complex process/system issues in a team environment multitask and adapt to a changing environment
Ability to network with DuPont Centers and colleagues in other countries and regions

117

Credit Specialist Resume Examples & Samples

1-3 years previous experience in customer service, finance/accounting or related field, additional education may be substituted in part
System Knowledge - Ecolab Mainframe, SAP, GETPAID
Post secondary degree completed or in progress in finance, accounting, business or a related field
Ability to operate in multi ERP system landscape – exposure to Mainframe & SAP
Ability to maintain a positive attitude

118

Senior Credit Specialist Resume Examples & Samples

Perform loan review a minimum of 80% of their time dependent upon non-production assignment
Support supervisors by backing up leadership to assist representatives in elevated loan and document review as well as customer concerns
Integrity in dress and demeanor
Maintain exemplary quality assurance performance as well as highest level of customer service
Motivates peers and aligns teammates with team and department goals

119

Credit Specialist Resume Examples & Samples

Strong interpersonal, communication and listening skills. Comfortable with 24/7 shifts
Demonstrated ability to effectively work high-risk accounts that are referred via Fraud Risk case set-ups
Ability to evaluate CM’s financial data to make a business decision as to the risk level involved post data inputs from Dunn and Bradstreet, Credit Bureau, Lexis Nexis and Truvue
Ability to evaluate American Express Consumer, Small Business, and Corporate account data to make a business decision as to the risk level of the account pertaining to charge detail, Service Establishment information, and payment detail
Proven analytical and problem solving skills with a strong attention to detail
Demonstrated dependability/self-motivating skills
Change Management Ability
Demonstrated ability to work effectively within a team environment as well as independently
Only short listed candidates will be invited for a written test
Minimum Educational Qualification Graduate

120

Collections / Credit Specialist Resume Examples & Samples

Work independently with daily tasks, and be able to set priorities
Assist with special requests for both internal and external customers
Contact customers as needed in an effort to resolve account issues
Display critical thinking skills with the ability to “think outside the box”
Document activity and maintain follow up on all accounts
Respond to customer AR calls with regards to account inquiries
Must have knowledge of collections and ability to work in a fast paced environment
Provide documentation to customers requesting invoices, statements, etc
Must be proficient in Microsoft Office (Work, Excel, etc.)
Have a working knowledge of FDCPA and GLB Privacy Act

121

Credit Specialist Resume Examples & Samples

Strong Verbal & Written communication skills and listening skills
Graduate – Fresher / 2 years’ experience
Should possess Analytical, Decision Making and Problem Solving Skills
Multi-skilled across card platforms/products is preferable
Strong Team Player with high level of integrity
Strong Knowledge to American Express Product, Policies & Procedures
Change Management Ability & self-motivating skills

122

Credit Specialist Resume Examples & Samples

Graduate with minimum 1-3 years’ experience
Telephone voice, etiquette, and call handling skills to manage calls and achieve maximum efficiency
Build and maintain loyalty through exceptional communication and customer servicing skills

123

Credit Specialist Resume Examples & Samples

1, Credit assessment and approval for new orders based on company policy and LOA, including customer background investigation, contract review, and distributors annual credit review with standard score card tool
2, Collection tracking, including monthly AR status distribution to business team, weekly collection review meeting with business team to align collection actions, daily communication with sales person to push collection actions, directly calling or visiting customer to speed up collection, closely following up the 3rd party’s collection progress
3, Bank Acceptance Draft (BAD) receiving control, pre-checking the scan file of BADs to avoid any defect or deviation to BAD controlling policy, claiming interest for the BAD payment
4, AR reconciliation and cash application, acting as the major contact interface with customers for AR reconciliation, providing guidance for cash application
5, Initiating and following up the bad debt write-off process for the long aged receivables proved to be uncollectable
6, Keeping close communication with all kinds of internal and external customers, finding solutions for different problems in daily job, trying optimize working processes to improve efficiency
7, Support internal and external audit by providing necessary documents of credit assessment/temporary credit facility/ collection activities
College degree or above, finance, accounting, law and other related professional, men and women there is no limit
Good at operating office software applications
High accountability, hard-working attitude, and process optimization oriented
Desire to learn and hard-working，one to three years credit control experience is preferred

124

Credit Specialist Resume Examples & Samples

Graduate with 1-3 years of experience
Should display a penchant for Result Orientation & Personal Accountability
Excellent Interpersonal, Relationship Building, Presentation & Communication Skills (Written & Verbal)
Should possess sound Analytical, Decision Making and Problem Solving Skills
Proficiency in MS Office - Excel, PowerPoint and Word preferred
Strong Knowledge of American Express Product, Policies & Procedures

125

Credit Specialist Resume Examples & Samples

Analyzing customer financial statements, cash flows and financing structure to provide a recommended credit limit for new customers
Knowledge of generally accepted accounting principles and ability to read a financial statement
Analyze and review customer financials and past history to determine customer credit limit increases
Main point of contact for the sales organization to understand the opportunity and establishing new customer set up
Ongoing analysis of customers’ financial performance and completion of periodic review to ensure credit limit established is appropriate
Bachelor’s Degree in Accounting or Finance required
Must possess the ability to communicate in a clear and concise manner to internal and external customers
Strong organizational skills, detail oriented, efficient and ability to maintain a high degree of accuracy
Ability to think critically, solve problems, and make decisions

126

Credit Specialist, International Resume Examples & Samples

Reviews and approves orders for shipment when exceptions to policy occur
Answers correspondence and inquiries from customers and field sales personnel on customer credit issues
Negotiates payment terms within established guidelines
Streamline processes across geographical regions
Establish common practices as needed to manage specialized customers
Issue Bank Guarantees and other documents as required
Commercial collection experience preferred with a strong background in accounts receivable and credit extension
Knowledge of Letters of Credit and other banking documents
Knowledge of SAP
Superior written and verbal communication skills and inter-personal skills
Superior organizational, decision-making and follow-up skills
Fluency in Spanish is preferred

127

Senior Credit Specialist Resume Examples & Samples

Sorting and preparing invoices for mailing
Interfaces with Finance and Sales to support approved business initiatives and make it easy to do business with the company while minimizing the company's risk and loss potential in extending credit by negotiating various types of security and/or payment agreements
Completes credit risk review of customers to identify potential risk and takes initiative to control risks with analysis of data obtained from trade and other references. Prepares recommendations and works with manager for approval of decisions on new accounts
Responsible for checking orders/POs against government lists to ensure we are in compliance with current regulations
A general to high level knowledge of global Credit & Collection laws, customs, and policies
Knowledge and experience with Microsoft Office products including Outlook, Excel, and Word
Ability to adapt to change and work independently

128

Mortgage Loan Credit Specialist Resume Examples & Samples

Work closely with Eagle Division Manager, Loan Officers, and NHCs to assist in educating and training of referring potential customers to Eagle’s Home Buyer Solutions Group
Review credit history with customers
Utilize credit expert reports to determine best course of action to improve overall credit
Counsel customers on action plan to resolve credit issues
Obtain Homebuyer Education certificates for customers provided by Mortgage Insurance partner
Review and educate customers on how to create a budget and save funds for down payment and home ownership
Be able to determine by reviewing a credit report and weighing the results of simulations the best actions customers can complete to increase overall credit rating
Obtain written commitment from customers to enroll in HBSG, HBSG Enrollment and Acknowledgement Form
Follow up with customers on status of action plans completed
Update and track all communication with customers through pipeline management/Dispute Suite
Provide and updates notes for reporting to Eagle divisions on customer status in Homebuyer Solutions Group
Four year college degree (preferred)
2+ years mortgage banking experience (preferred)
Knowledge of various loan programs and credit and qualifying requirements
Ability to read, analyze, and communicate results of technical data, credit reports
Ability to effectively present information and respond to questions
Effective communication skills both verbal and written. Ability to convey complex issues in a positive and simple manner to customers
Results oriented
Team Player with ability to work well under pressure
Possess positive and professional attitude and represent company in a positive manner
Provide outstanding customer service, work well under pressure and be a team player
Excellent time management skills, able to handle multiple responsibilities
Possess strong work ethic, integrity and loyalty
Experience utilizing Excel, Word, and CRM system
Advanced Internet and Email skills

129

SBA Credit Specialist, Senior Resume Examples & Samples

Monitors the construction loan process and requirements of the SBA 7A lending portfolio with adherence to regulatory, Bank, and SBA guidelines
Manages portfolio risk on an ongoing basis by monitoring customer credit-worthiness, adherence to loan terms and general business conditions
Monitors maturing loans and upcoming renewals with support
Coordinates various credit administrative activities/reporting with Business Loan Center, Collections, Special Assets, Business Banking RCO, Credit Administration and local market senior management
Maintains and manages a small portfolio of large dollar/credit complex accounts
Assists Business Bankers with more complex credit requests, including customer/prospect calling, loan structuring and general credit related issues
5-7 years Business/Commercial credit analysis/underwriting
A Bachelor's degree in Accounting, Finance, Business Administration or Economics
Previous construction lending experience
Knowledge of all bank products and continual development of product expertise is required
Excellent written and verbal (face-to-face and phone) communication skills including professional grammar and demeanor

130

Credit Specialist Resume Examples & Samples

Prepares moderately complex financial analysis; performs secondary, specialized analysis of the more complex credits/loans, usually in excess of $2 Million, involving sensitive or critical customer accounts; completes analysis and makes recommendations to Relationship Managers, based upon findings; provides Loan Pricing Analysis, including pricing recommendations
Shadows Relationship Managers in calling on credit customers/prospects; gathers key information for proper credit analysis
Participates in the initial and final structuring of credits; makes recommendations to Relationship Managers regarding credit structuring; interacts with the loan committees to provide additional information and/or to support conclusion reached in analysis; serves as an accomplished resource regarding credit/industry analysis
Writes all commitment reports for specified loans as a team member and participates in committee presentations; presents loan renewals independently to management or loan committee as a Relationship Manager substitute
Conducts formal industry analysis; provides market research that focuses on prospective customer identification and qualification; inputs information into Salesforce; oversees and manages the customer/prospect database in Salesforce
Works with loan documentation unit and credit/file maintenance to ensure efficient and economical documentation; ensures Relationship Managers are notified of non-compliance issues; prepares summary reports which outline any borrower’s non-compliance; keeps abreast of state and federal laws and agency regulations and notifies Relationship Managers regarding laws and regulation changes
Monitors specified credits to ensure proper cash flow, financial stability of the borrower and its principals, and compliance to loan covenants
Reviews assigned department’s collateral and financial statement exceptions; researches and resolves collateral exceptions to ensure compliance with lending policies and guidelines; contacts customers regarding past due and financial statement exceptions. Participates in document reviews and loan closings. Assists with complex/sensitive inquiries from customers, which involves extensive research and resolution of problems/errors. Calls on letter of credit renewals; may be given ongoing authority to initiate wire transfers and make overdraft decisions, depending upon department manager’s discretion. Provide credit training to RMDP participants
Extensive knowledge and understanding of accounting and credit principles, lending functions, and loan analysis and ability to demonstrate resourcefulness in application of general credit policies
Extensive knowledge of loan documentation, loan policy, and regulations
Extensive knowledge of loan grading process
Extensive analytical skills regarding loan/credit review
Advanced PC and spreadsheet software skills

131

Credit Specialist Resume Examples & Samples

Driving Customer Experience & satisfaction
Responsible to evaluate CM’s financial data to make a business decision
Collaborate with business owners and functional leaders to ensure that the SLA’s are met on a strict timeline
Strict adherence to compliance and relevant laws applicable to the market
Maintain the Database, Prepare Reports and Process Maps
Excellent knowledge of the credit processes and policies
Strong Command over systems
Demonstrate proficiency in Microsoft Office related products (Excel, PowerPoint etc.)
Ability to multitask, be flexible to work in shifts
Self- driven and demonstrate the ability to deliver on tasks without direct supervision
Experience in credit servicing American Express customers
Minimum of 1 year in current role
Should not be on any form of active counseling

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