Manager Credit Resume Samples

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O Quigley

Ova

Quigley

9597 Kenneth Unions

Houston

+1 (555) 586 1187

9597 Kenneth Unions

Houston

Phone

p +1 (555) 586 1187

Experience Experience

Boston, MA

Manager, Credit

Boston, MA

Beer-Rau

Boston, MA

Manager, Credit

Monitor developments in credit risk management and liaise with industry credit professionals regarding activities and potential issues
Provide back-up duties for other Credit Managers within Tribune Media
Hire and train new staff, task team with weekly objectives, regular staff meetings, performance reviews, and team development for pharma business unit
Work with Finance to set departmental and program budgets. Manage expenditures within approved department and program budgets
Assess credit risks and recommend mitigation strategies for new business development activity, acquisitions or expanded business lines
Manage the credit and collection function for Tribune Broadcasting station’s local advertising sales for multiple markets
Assist in the coordination of the quarterly revenue test for revenue recognition for pharmaceutical business

Philadelphia, PA

National Manager Credit Lending CVM

Philadelphia, PA

Kemmer Inc

Philadelphia, PA

National Manager Credit Lending CVM

Ensure that the CL area has a Health and Safety Rep, Fire Warden and Evacuation representative
Lead the strategic direction and effective implementation of change in the Credit Lending functions which is done in conjunction with Stakeholders
Formulate a business plan from the strategy and cascade down to Regional Managers who will ensure that the respective direct reports understand the Business plan. PD
Objectives are therefore set from the Business Plan on all levels, (Credit Clerk, Credit Officer, Team Leader, and Regional Manager as well as National Manager)
To be an active member of the Business Unit Stategy Council and participate in future developments
Translate strategic targets into meaningful operational targets and strategic focus areas for CL. Targets are received from Credit Risk (CVM team). This is discussed with the respective Stakeholders and cascaded to Regional Managers. Targets are part of the Business plan and PD objectives and therefore measured according to the PD cycle
Ensure that the focus areas are disseminated to all levels in the business unit

present

Phoenix, AZ

System Manager, Credit Systems Management

Phoenix, AZ

Reichel-Rice

present

Phoenix, AZ

System Manager, Credit Systems Management

present

Establishes a 1 to 2 year direction or plan for assigned Segments, Products and Processes, aligned to the overall Credit Systems Environment plan (as outlined by System Manager, Sr System Manager and/or Senior Manager).Coordinates roles, plans and assignments for each team member to achieve the plan(s) associated with an assigned Group of Credit Systems
Interpret overall and specific team roles & responsibilities, guiding team members through setting an effective framework of processes and procedures for system management activities
Establish and optimize team integration by clearly articulating the linkages between the accountabilities and authorities of different roles across the group and by establishing the context in which they will work collaboratively with one another
Establishes a 1 to 2 year direction or plan (vision, mandate, values, operation and resource plans) for assigned Credit Systems, aligned to the overall Credit Systems Environment plan
Establishes a 1 to 3 year direction or plan (vision, mandate, operation and resource plans) for an assigned Group of Credit Systems, aligned to the overall Credit Systems Environment plan
Coordinates the development and execution of medium to long term system management infrastructure planning and development activities supporting an assigned Group of Credit Systems
Coordinates the development and execution of short to medium term system management infrastructure planning and development activities supporting assigned Credit Systems

Education Education

Bachelor’s Degree in Business

Temple University

Bachelor’s Degree in Business

Skills Skills

Excellent analytical skills and knowledge of collections, credit, accounting and financial principles
Proficient in MS Office, including strong Excel skills
Strong excel and analysis/reporting skills
Able to think strategically about business problems and opportunities and to focus efforts on projects that most closely support key company initiatives
Flexible and able to adapt with change
Ability to leverage data and analysis to craft a well-thought story utilizing Power Point
A thorough understanding and knowledge of the principles/disciplines of the retail industry
Able to work in fast-paced environment and can juggle multiple tasks
Excellent communication skills (verbal and written)
Thorough knowledge and understanding of UMG's policies, procedures, and corporate objectives

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Manager Credit Card Products Resume Examples & Samples

This is a specialized position requiring strong knowledge of branch sales and service processes
Minimum of five years proven and progressive branch or card experience or equivalent, including experience developing practical, effective strategies and managing their execution, and working on cross-functional teams as contributor or leader
Bachelors degree in business, marketing, related field or equivalent experience
Strong analytical, organizational, communications and project management skills
Ability to work independently and on a team and lead and persuade colleagues at all levels of the organization
Ability to travel 5-10% of the time

Manager, Credit Stress Test Modeling Resume Examples & Samples

Proficiency in at least three of the following statistical/numerical software: Matlab, SAS, VBA, SQL, and R
Proficiency in Microsoft business tools including Excel, power point, and MS Access
Monte Carlo simulation and bootstrapping techniques,
Capacity to blend quantitative/theoretical thinking to resolve most technical and conceptually ambiguous issues/situations with sound business judgement
Capacity to cope with a high degree of ambiguity and change
Ability to work both independently and as part of cross-functional teams
Ability to work in a dynamic environment and undertake, execute and deliver on time multiple concurrent projects
Must be detail oriented while working under the third party/cross-functional dependencies and tight deadlines pressure

Senior Manager, Credit Card Protection Resume Examples & Samples

Demonstrated strategic thinking and analytical skills; prior financial management experience
Foundation of product management/marketing management experience, at various levels
Strong people leader with demonstrated experience in identifying and growing talent
Possess strong problem solving skills and the ability to thoroughly investigate and make recommendations in a timely manner
History of making an impact, developing and executing on strategies and delivering superior results in both the short and long term
Demonstrated experience in leading change and making an impact in cross-functional groups, through influence and strong relationships
Strong quantification and analytical ability. Demonstrated use of customer insights in approach to business
Effective communicator who engages colleagues, business partners, external stakeholders, and employees
Robust organizational skills with the ability to work in a fast paced environment and manage multiple deadlines and priorities

Manager Credit Review Resume Examples & Samples

The position requires that the individual analyze large volumes of data over extended periods of time, typically under tight time deadlines
The position may require the individual to manage more than one project or exam at the same time
The position holder must have an inquisitive mind and be able to work in an unstructured environment with minimal supervision. Keeping up-to-date with changes both in the financial services industry, and in the HSBC Group, is also a necessity
CRRI utilises a fully integrated computer application to support a modern risk based methodology in accordance with professional standards adopted by Group. The incumbent will be required to quickly become expert in the full utilization of this software and the risk based methodology deployed
Associate degree in business, professional accounting or auditing accreditation as well as related management, field and/or audit experience
Strong project management, organizational, communications and interpersonal skills
Strong knowledge of all current PC applications (including Lotus and Microsoft applications), as well as pertinent mainframe systems and software packages
Strong knowledge of CCA best practices and data mining techniques, including the use of data mining/analysis tools such as ACL and SAS
Proficient knowledge of HUB and AS/400 programming language to create effective HUB queries
Proficient knowledge of key components to the credit approval process (ie: financial analysis, security valuation and collateral documentation)
Proficient knowledge of HSBC Group policies and procedures along with working knowledge of the Group’s Functional Instructional Manuals (FIMs)
Working knowledge of the policies and procedures relating to the Lines of Business and selected Head Office functions
Good knowledge of Canadian Banking rules and regulations, as well as the rules and regulations of the various Canadian financial regulators

Manager Credit Qualifications & Discretionary Limits Resume Examples & Samples

University degree or equivalent with 5 or more years of relevant work experience in a major financial institution
Is or has been Credit Qualified with a Working knowledge on commercial credit risk assessment
Expert knowledge of BMO Risk Management practices and Lending Processes Knowledge of BMO Credit policies, including the Qualification and Discretionary Limits Corporate Standard
Broad knowledge of Bank organization, particularly P&C Canada
Knowledge and appreciation for risk and administrative controls
Strong relationship building/networking skills and ability to collaborate within the group and across multiple stakeholder lines of businesses
Ability to influence and multi-task
Project leadership ability
Comfortable in an environment with rush requests, deadlines and multiple/changing priorities
Well-developed analytical and problem solving skills
Sound judgment and critical thinking
Strong communication and written skills

Manager Credit Structures Resume Examples & Samples

Deliver a superior Black Card client experience through professional conduct, including providing proactive credit advice to clients monitoring of client affairs and ownership of client problem resolution at first point of contact
Leverage tools, calculators, resources and materials to support advice and recommendations
Ensure skills/knowledge/accreditations are up-to-date and meet position requirements including an ongoing commitment to executing the activities established on personal development plan
Demonstrate commitment to colleague care and team work by coaching, mentoring and assisting colleagues in meeting the needs of all clients, and ongoing relationship building with Private Bankers
Prepare and submit accurate credit proposals for approval, supported by adequate due diligence
Strong credit background in personal and/or business banking
Proven ability to understand, interpret, and analyse financial statements
Excellent written and verbal communication skills in both English and French
Demonstrated partnering and cross-platform leveraging abilities
Proven sales abilities and strong negotiation skills
Demonstrated client relationship and presentation skills
Strong Client focus and superior negotiation ability

Manager Credit Change Resume Examples & Samples

Develop design principles based on the initial brief and scope provided by the Head Change Change/Project Sponsor/Project Owner to guide the project's implementation activities, including the requirements planning stage and the management of change requests
Build and maintain relationships with line role players by communicating regularly and working closely with them to elicit business requirements, evaluate and recommend possible business solutions, make assessments and produce feasibility analysis
Identify project risks either by consultation with key stakeholders and/or a risk assessment workshop and develop mitigating action plans in agreement with the project Sponsor/Project Owner/Project Manager (PM), thereafter document such risks and actions in the project risk register for ongoing monitoring
Ensure all the business requirements, evaluations and recommendations of possible business solutions, assessments and feasibility analysis are documented, circulated and signed off by the relevant stakeholders and handed over to the PM for use in defining and designing the project
Assist the PM by providing advice, investigating, estimating and calculating costs, timelines, resources and plans for the composition and approval of the project stage business cases
Facilitate workshops in conjunction with the PM in order to obtain business user requirements in terms of the proposed end state of the project so that the project is suitably defined, designed and implemented
Identify project milestones based on the high level project plan and prepare planning estimates in terms of timelines, resources, design, etc. for the project
Assist the Project Manager (PM) to generate weekly/monthly or adhoc status reports
Analyse the “as is” “business architectures”, to identify any issues, opportunities, etc. This includes the analysis of all existing products & services, the procedures and business rules, the organisation structures, functions, roles & responsibilities, the business processes & procedures, the IT systems functionalities, performance and measurement metrics
Perform a “root cause” issues analysis with key stakeholders by either conducting interviews or workshop to further evaluate and identify solutions and/or alternatives to meet the business requirements and document all findings to assist with project definition, design and build
Assist the PM to set up and facilitate workshops with relevant stakeholders to gather, identify and document the project and business owner requirements to be used in the project definition, design and build
Investigate options available, best practices, alternatives etc and obtain up to date information in relation to the project requirements / objectives by referring to internal and external parties to ensure the best solution is considered and identified for the project
Design the “to be” “business architectures” by using the identified design principles and document the ideas by working through increasing levels of design detail (i.e. conceptual/high level/detailed design levels)
Identify and design new and/or improved business process systems and/or procedures to deliver project goals by ensuring that the best solution is considered and identified for the project
Undertake a feasibility and impact analysis of solutions identified (people, process, system infrastructure) with key stakeholders, internal, external and technology staff to further define project requirements for the definition, design and build of the project
Develop IT-systems functional, non-functional and service level requirements, Business Requirement Definition documents (BRDs), use cases, etc. based on the evaluations, meetings, assessments and requirements analysis undertaken during the earlier stages of the project analysis stages, for use by the PM and project team to design, build, test and implement the project
Assist the systems-management function with setting up and undertaking the IT-systems user-acceptance tests by both business users and IT staff to ensure that the technology solution meets the business requirements
Co-ordinate all user acceptance testing with regard to securing test users, the test location, the relevant access rights and by documenting all results and where required perform User Acceptance Testing (UAT) as undertaken and stipulated by the Absa Group Technology IT methodology
Assess the solution/s by bench-marking with Industry and Barclays to ensure the solution is compliant in terms of required standards, design and fit to the Enterprise Architecture
Evaluate the vendors' products/solutions and the integration capability of the products / solutions with ABSA and Barclays to ensure the solution is compliant in terms of required standards, design and fit to the Enterprise Architecture
Tertiary qualification essential e.g., Commerce, Engineering, Science
Post graduate degree (Honours, Masters) preferable
Professional qualification (FRM, CFA, PMP) advantageous
Minimum 8 years experience

Payments Manager, Credit Cards Resume Examples & Samples

Manage relationships with payment service providers, networks, issuing/acquiring banks and other companies in the payments space
Responsible for optimizing conversion & increasing acceptance of cards globally
Identify new partners and structure deals, negotiate business and technical terms with networks, gateways, issuing banks, and acquiring banks where necessary
Partner with Product and Engineering teams to solve problems and identify trends and opportunities
Getting into the details
Partner with Finance, Legal, Compliance, Marketing
Inform, influence, support, and execute our product decisions
Track, analyze, influence, and communicate key metrics

Credit Policy Manager Credit Administration Resume Examples & Samples

7-10 years of previous experience in developing, enhancing and maintaining wholesale lending credit policy and procedures plus relevant credit administration assignments is required
A minimum of a Four-year degree in English, Journalism, Finance or Accounting is required. I lieu of a four-year degree, candidates with related experience equal to a four-year degree plus the required work experience will be considered
Proven knowledge and understanding of wholesale lending credit policy content and framework, lending practices, regulatory guidance and expectations is required
Must also be able to demonstrate proficiency with the following skills
Strong organizational skills with productivity orientation
Proven problem solving and decision making skills
Ability to partner productively with employees at all levels of the organization and with multiple business units
Excellent written and verbal communication skills. Demonstrated ability to articulate and document complex and technical requirements
Extensive knowledge of Microsoft Office Suite of products
Individuals with previous regulatory policy experience would be preferred
Individuals with familiarity with hosting Cicso WebEx conferences for training purposes would be preferred

Manager Credit Structures Resume Examples & Samples

Knowledge of and strong background in granting personal and/or commercial credit
Previous lending/CASPER experience with full knowledge of credit products
Sound knowledge of personal lending procedures and risk assessment
Proven ability to understand and interpret financial statements
Strong client relationship skills
Strong client focus, proven negotiating skills, results oriented
Canadian Securities Course, PFP and/or CFP or MBA an asset
RBC Banking Product Knowledge an asset

Manager Credit Services Resume Examples & Samples

Minimum of 5 to 7 years banking experience preferably with commercial credit services, knowledge of Canadian Banking practices
Sound knowledge of the HSBC policy and procedures applicable to commercial credit – loan/collateral and related activities
Excellent interpersonal skills. Strong team player and highly service oriented

Manager, Credit Products Resume Examples & Samples

Support the growth/ development of the credit book in conjunction with the Credit Specialists and the Relationship Managers (RMs)
Profitability/Return: Management of risk/reward, pricing of transactions, ROE and profitability of credit book
Strategic Alignment: Ensure continued alignment of the credit portfolio with Wealth Management International business and risk strategies and RBCFG risk policies and procedures
Structure: Work with Credit Specialists and RMs to structure optimum credit-based solutions within RBC risk appetite and lending parameters
Risk Analysis: responsible for some internal credit correspondence, including TRs, the ongoing risk analysis of the borrower and the transaction; BRR assessment and recommendation
Documentation: Working with the Credit Specialists, this role will play a key part in ensuring the appropriate documenting of all credit facilities per guidelines and approvals
Credit Exposure Monitoring: Ensure transaction remains within approval guidelines; covenant and financial compliance of the transaction/borrower
Responsible for the maintenance of high quality risk profile of the portfolio; portfolio review and reporting
Collateral Monitoring: Responsible for ongoing collateral management of portfolio
Policy: Assist with the development of policy and credit products to meet the needs of clients and the business
Banker with relevant credit experience
Degree qualified in a numerate discipline
Certificate in Mortgage Advice and Practice to be gained

Senior Manager, Credit Products Resume Examples & Samples

Proven relevant banking experience with past roles including credit marketing, structuring and client facing experience at a relatively senior level being mandatory requirements for this position
Graduate business or related degree, ACIB Qualification, or equivalent
Certificate in Mortgage Advice and Practice

Manager, Credit Provisioning Resume Examples & Samples

Review estimate the allowance for loans not yet identified as impaired on an enterprise-wide basis to ensure methodology has been applied accurately and appropriately documented
Write analysis and review the preparation of the Group Risk Management Quarterly Credit Provisioning Report
Support GRM Enterprise Risk Reporting and Finance in analyzing and reporting RBC loan losses, impaired loans, allowances, write-offs, and recoveries. Investigate, analyze and respond to ad-hoc portfolio information requests
Responsible for the ongoing interpretation of policies and guidelines issued by the accounting and regulatory bodies, and to ensure that RBC remains in compliance with respect to provisioning and associated processes
Support in designing the new expected loss model that meets the IFRS 9 requirements
An accounting designation such as CPA-CA/CMA/CGA preferred
Finance or economics degree
Background in credit risk and understanding of credit processes
Strategic view, with strong knowledge of RBC’s businesses and organization
Strong problem solving, analytical, and quantitative skills
Good knowledge of Bank’s source systems and associated databases

Manager Credit Life Cycle Decision Systems Caribbean & Central Resume Examples & Samples

Program origination & account management strategies and policies into decision systems such as OMDM/StrategyWare/FDR ACS and TRIAD. Conduct thorough testing to ensure alignment of system rules to credit risk policies
Manage new system implementations, including review of requirement documents and liaising with appropriate groups to ensure smooth and timely implementation
Support the roll out of credit risk technologies to subsidiaries in the Caribbean & Central America region. Duties include documenting requirements, liaising with business partners and system teams in Toronto and international sites
Investigate and identify system issues, recommending appropriate solutions to close
Perform portfolio reporting and executing file generation scripts as assigned
Relevant experience with credit risk decision systems such as OMDM, Capstone, StrategyWare, FDR ACS and TRIAD in a financial services environment
Experience with statistical software packages such as SAS & SQL
Strong knowledge of credit risk strategies and policies for originations and account management
Good problem solving skills with attention to detail
Experience with use and/or development of credit risk scores and their application in strategies
Project management skills to prioritize, manage and implement a variety of competing initiatives on a concurrent or staggered basis
Ability to communicate effectively, both oral and written
Strong collaboration and communication skills

Manager Credit Structures Resume Examples & Samples

Highly proficient in credit structuring
Proven ability to analyze, interpret and understand financial statements
A skilled negotiator
Shows a strong commitment to continuous learning through a history of personal and educational development

Manager, Credit Cards Resume Examples & Samples

High school completion
5 years of call centre experience
Business Acumen (in-depth)
Environmental Understanding (in-depth)
Knowledge of NCCS/CAC/CCAPS preferred
Customer Service skills (in-depth)
Analytical skills (in-depth)
Organizational skills (in-depth)
Managerial leadership (in-depth)

Senior Manager Credit Resume Examples & Samples

Assist credit due diligence activities for mid-size banks and assist Senior Senior Manager Credit and other Risk Partners in credit due diligence on larger bank acquisitions
Graduate degree in Finance, CPA, CFA, or MBA, or at least 8 years of relevant work experience in loan portfolio management, lending, or risk management
In-depth knowledge of P&C banking products and services
In-depth knowledge of banking industry trends, regulations and relative means of governance
In-depth knowledge of loan documentation
Proven leadership skills and highly developed coaching skills
Previous management experience preferred
Knowledge of and ability to execute Risk Management practices and strategies

Manager, Credit Products Resume Examples & Samples

Management of a portfolio of annual reviews in respect of existing loans on the credit book
Strategic Alignment: Ensure continued alignment of the credit portfolio with Wealth Management UK business and risk strategies and internal risk policies and procedures
Risk Analysis: responsible for the ongoing risk analysis of borrowers and facilities. Assesment and recommendation of internal Borrower Risk Ratings
Highlight and escalate any credit writing deficiencies noted and make proposals to avoid such deficiencies going forward
Ownership and responsibility for remedy and resolution of any breaches or issues detected as a result of the review which may from time to time result in external meetings with clients
Collateral Monitoring: Responsible for ongoing management to ensure the quality of the collateral
Working with the Documentation Specialists ensuring the appropriate documentation and follow up correspondence with clients following breaches and/or events of default identified as a result of annual reviews
Good understanding of Credit, ideally with previous Credit Writing experience
Experience of carrying out file reviews
Good working knowledge of Microsoft Excel and Access
Certificate in Mortgage Advice and Practice (CeMAP), if not held, to be obtained during the first 12 months
LI-HS1

Manager Credit Strategies Resume Examples & Samples

Minimum Bachelor degree in a quantitative discipline (e.g. statistics, math, economics, finance, engineering etc.) with Masters of Business Administration or Economics preferred
Working knowledge of retail and commercial lending and transactional risk management
Strong leadership and strategic thinking skills (in the context of individual contributor)
Strong strategic influencing skills
Ability to exercise practical judgment in key decisions within available human, physical, and fiscal resources
Ability to multi-task and work with minimal supervision in an unstructured and ambiguous environment
Strong collaborative style and team player

System Manager, Credit Systems Management Resume Examples & Samples

15%: Leadership & Coaching
Interpret overall and specific team roles & responsibilities, guiding team members through setting an effective framework of processes and procedures for system management activities
Enable and action a team based communication infrastructure to support continuous improvement of the working environment and supporting processes and procedures
Establish and optimize team integration by clearly articulating the linkages between the accountabilities and authorities of different roles across the group and by establishing the context in which they will work collaboratively with one another
Provide feedback to Senior Manager on successes & key strengths, and, challenges & areas for improvement of members of the team
30%: Environment Management and Planning
Oversees the infrastructure and supporting management environment for an assigned Group of Credit Systems
Oversees the infrastructure and supporting management environment for assigned Credit Systems
Manages & plans activities associated with assigned Segments, Products & Processes
Coordinates the development and execution of medium to long term system management infrastructure planning and development activities supporting an assigned Group of Credit Systems
Coordinates the development and execution of short to medium term system management infrastructure planning and development activities supporting assigned Credit Systems
Identifies resources needs and recommends CSM team member assignments for an assigned Group of Credit Systems
Establishes a 1 to 3 year direction or plan (vision, mandate, operation and resource plans) for an assigned Group of Credit Systems, aligned to the overall Credit Systems Environment plan
Establishes a 1 to 2 year direction or plan (vision, mandate, values, operation and resource plans) for assigned Credit Systems, aligned to the overall Credit Systems Environment plan
Establishes a 1 to 2 year direction or plan for assigned Segments, Products & Processes, aligned to the overall Credit Systems Environment plan (as outlined by System Manager, Sr System Manager &/or Senior Manager)
Coordinates roles, plans and assignments for each team member to achieve the plan(s) associated with an assigned Group of Credit Systems
Represents CSM on Business Partner projects, as assigned, identifying and managing CSM team activities as per standard practices
Recommends equipment, processes and human resources, and optimized allocation of resources within the team
Identifies opportunities to improve and enhance the Credit Systems Environment that deliver on BMO’s Vision of Defining a Great Customer Experience
40%: Change Management
Maintains the integrity of change management processes supporting an assigned Group of Credit Systems, and, assigned Credit Systems, Segments, Products & Processes, including
Ensuring documentation standards are followed, are complete and accurately reflect the implementation of existing and proposed tables and strategies
Confirming and validating testing and simulation functions are completed in accordance with expectations of the change management processes'
Cross impact assessments are documented and communicated within the immediate system management team, the P&C Risk team and business partners, as appropriate'
Verification and monitoring activities are planned and completed as required for all changes implemented in the production environments
Oversees all changes associated with an assigned Group of Credit Systems, and specifically assigned Credit Systems, including project planning, design, development, testing/simulation, implementation and post implementation activities
Actions CSM Change Management processes, including project planning, design, development, testing/simulation, implementation and post implementation activities, for changes associated with assigned Segments, Products & Processes
Identify, recommend and implement enhancements to supporting change management and implementation processes
Recommend CSM team participation and resource assignments for all initiatives and code changes impacting an assigned Group of Credit Systems, and specifically assigned systems
A university degree/college diploma in technology related discipline &/or 5+ years of related work experience
Expert knowledge Lending/Credit Systems &/or Automated Decision/Business Rules Management Systems
Experience, or developing skills, in Managerial Leadership, coaching & mentoring
Strategic business visioning & planning
Ability to oversee, coordinate, partner in and/or lead multiple projects high in complexity and strategic importance
Extensive knowledge and understanding of BMO products, processes, controls & practices
Demonstrates BMO Values & Our Way model consistently and establishes same expectations within the team

Assistant Manager Credit Management Resume Examples & Samples

Credit investigation for all customers (Investigation of current status through external firm.)
AR Management, aging analysis (analysis of the AR by Month)
Provide accurate and Timely AR analysis and simulation report
Management of different type of discounts
Prevent and minimize insolvent obligation
Communicating/visiting to customers regarding credit matter on-going basis
Full compliance to the credit policy in all related area
Management returns
Monthly reconciliation of AR
Communicate and liaison with card companies in Japan
Management of daily sales sheet for SIS commission and cash sales
A/R Reconciliation by each retail store and WS customers
Management for credit cards (own retail) and cash sales balance including retail marketing coupons
Post journal entries by retail store for Y/E and Monthly closing
Lead and facilitate the Semi-Monthly Meeting with FSS Team/ conducted in English
Being able to lead AR/Credit Control cross-functional project
Being able to support and train junior members
Familiarity with Microsoft Office Excel
Leadership
Communication Skill
University degree or above
Financial knowledge - Bookkeeping 2kyu
5-6 years of experiences in Credit, preferably in sports or apparel industries
Experiences with External/Internal audits

Manager Credit Solutions Special Projects Resume Examples & Samples

Work closely with compliance partners to assess procedures for effectiveness and recommend amendments to improve credit and/or quality
Create and maintain ongoing reporting as required by the business line for portfolio management and credit / compliance purposes
Maintenance of Compliance Reporting requirements for the business
Audit and Compliance
Reviewing content prepared by Audit / Compliance to ensure consistency with the customer experience and established sales and service processes
Projects
Designing, delivering and implementing assigned projects to contribute to operational effectiveness and success of the Commercial Bank
Participant in project teams initiated by other departments which will have an impact on the Commercial Bank
Other
Prepare recommendations on assignments and projects delegated by the Vice President and the Senior Vice President
Significant issues, trends and results are advised to the Director, Credit Solutions Group along with recommendations for resolution
3-5 years of progressive experience
Must be proficient in the use of MS Office (ideally, general knowledge of VBA, SAS, SQL and reporting tools) with the ability to complete a variety of specific financial analyses concerning a range of topics, quickly and efficiently, on an ad hoc basis
Highly organized and analytical with strong problem solving and project management skills
Solid understanding of Commercial Banking workflow processes and the differing information needs of both credit and banking units
Ability to propose and execute solutions to new developing requests
Excellent oral and written communication skills, including presentation, facilitation, influencing and negotiation skills
Ability to work under tight deadlines with competing demands and priorities
Strong knowledge of Commercial Banking systems (e.g. The HUB, SDR, e-tracker, PMR, Client Net, i-Site, MRA, MFA, etc.)
Ability to work effectively with stakeholders at all levels of the organization and deliver messaging on key initiatives
Strong product knowledge in lending products, including specialized industries, structured trade finance, as well as knowledge of the Bank’s ancillary products such as FX, Cash Management, Derivatives and Trade Finance
Awareness of business trends, economic, technological, legal and compliance factors affecting Commercial Banking

Senior Manager, Credit Systems Management Resume Examples & Samples

A university degree/college diploma in technology related discipline and/or 10+ years of related work experience
Expert knowledge Lending/Credit Systems and/or Automated Decision/Business Rules Management Systems
Extensive and proven capabilities in Managerial Leadership, coaching and mentoring
Advanced strategic business visioning and planning
Demonstrates BMO Values and Our Way model consistently and establishes same expectations within the team

Senior Manager Credit Cards Originations Resume Examples & Samples

Origination Strategies
Develop and monitor credit risk origination strategies and procedures for Canada Credit Cards, leveraging empirical decision models to approve credit, set customer credit exposure, and recommend risk adjusted pricing
Ensure all new approved credit is aligned with risk appetite and will optimize risk/return over the long term
Report regularly on performance of existing origination strategies deployed in Canadian Banking Credit Cards
Identify improvements of existing strategies, procedures and policies
Promote best practices and leverage appropriate risk technologies for all strategy and policy changes
Support Business Line Initiatives/Projects
Ensure all business line strategic priorities (i.e. new product launches, new channels, new processes, new business line acquisitions) are consistent with Risk Appetite Framework
Participate in projects for credit card programs. This includes the review of business cases, risk proposals, requirements documents and liaising with the appropriate groups throughout the organization
Identify opportunities and recommend changes to business line strategies to ensure the Bank does not take on more credit risk than planned
Portfolio Monitoring
Maintain performance reporting on new accounts and liaise with business partners to assess current/emerging trends that may impact to the portfolio
Collaborate with provisioning team, identifying changes in the portfolio which may impact provisioning estimates
Identify opportunities for improvement with focus on risk/return while ensuring alignment with Credit Risk Appetite
Create a champion/challenger framework to identify future opportunities using applicable risk technologies
Identify if any credit risks are or will become in excess of the Risk Appetite Framework
Decision Tree Development and Campaign Analytics
Leveraging data mining tools (eg. SAS) to complete portfolio analytics and basic level decision trees
Provide pre-campaign risk management criteria recommendations including credit line assignment as well as post campaign diagnostics recommending changes to optimize risk/reward
Due Diligence
Ability to represent the department in a professional manner and to clearly communicate the complexities of any initiatives to internal or external groups
A minimum of five years with an organization in the risk management field preferred, or in analytics/predictive modelling
Knowledge of the Bank’s customer/business objectives, issues and challenges as well and the current trends and implications

Senior Manager, It-credit Resume Examples & Samples

Manages a contact center team (engineers, analysts), coaching and developing the team in all areas of performance
Provide customer consultation
Become the point of contact for business customers for the Contact Center Platform
Work with 3rd party applications
Understand the nature of the business and strategies and how the Call Center Platform achieves business strategies
Collaborates across technology teams and vendors to deliver consultation and recommendations
Facilitate contractual reviews with third party vendors
3+ years of experience within a call center
5+ years of experience in positions with Windows development, configuration, maintenance and support
Ability to lead and coordinate people and activities
Resolves complex problems while collaborating with others
Excellent communication skills, verbal and written
Excellent business liaison skills, with the ability to digest system complexity and articulate to business users in a clear and concise manner

Rates & Credit Mifid, Programme Manager Resume Examples & Samples

Driving the development and implementation of the IB business strategy
Maintaining an independent role in the oversight of operational risks in the Investment Bank with a true front-to-back (F2B) control model
Managing the systems and processes of multiple change and remediation programs globally

Senior Manager Tfrm Hedge Funds Credit Adjudication Resume Examples & Samples

Participate in due diligence for hedge fund counterparties, including interviews with their key personnel
Documentation of processes, and identify / implement ongoing process enhancements
Partner with our banking and business line colleagues to ensure that both market and credit risks are effectively evaluated and mitigated
3-5 years institutional credit experience in a large financial institution
In-depth knowledge of/experience with credit risk policies, products and processes - ideally with funds and complex securities/derivatives
Excellent interpersonal and communication skills, both written and oral

Senior Manager Credit Cards Performance Management Resume Examples & Samples

A minimum of five years with an organization in the risk/portfolio management field preferred, or in analytics/predictive modelling
Excellent analytics skills complemented with solid deductive reasoning, sound judgment and creativity
Strong project management and leadership to prioritize manage and implement a variety of competing initiatives, on a concurrent or staggered basis
Good knowledge of the Bank's business objectives, strategies, overall products and services, policies, legal requirements, and internal operating environment
Strong knowledge in the use of SAS/Enterprise Miner or similar statistical software including the ability to apply basic statistical techniques

Manager Credit Life Cycle Decision Systems Central Resume Examples & Samples

Able to analyze data to detect trends of customer performance and document analytical methodology
Drive continuous improvement in strategy effectiveness with focus on incremental profitability
Leverage Champion / Challenger capabilities wherever possible to confirm assumptions and justify changes
Identify if any credit risks are or will become in excess of the Risk Appetite Framework. Move quickly to rectify including identifying root cause, making recommendations to senior management and implementing any recommended changes to any/ all of life cycle business strategies
Work with various risk teams to ascertain and drive credit risk optimization strategies throughout markets assigned
Recommend and present risk strategy proposals to business line and key stakeholders
Research and identify industry best practices and regulatory requirements for credit risk management as appropriate
Be a subject matter expert for assigned portfolio segments and associated credit risk strategies
Understand Risk System technologies and implications to credit risk strategy design
2+ years in credit risk management or related field with demonstrated ability to lead, provide oversight and to optimize empirical-based strategies
5+ years of relevant work experience
Ability to use analytical tools on data to provide meaningful insights
Ability to develop analytical methodologies through empirical analysis
Ability to communicate effectively, both orally and written, in English
Spanish proficiency is an asset

Manager Credit Card Services Resume Examples & Samples

Staff management and development, training for both staff and business users,
Process and system maintenance and implementation of process improvements,
Establishing governance rules in support of global HR and Finance policies,
Reporting on KPI’s to GTS Management
Calculating month end accruals and supporting account reconciliations
Responsible for financial, operational and SOX audit support and management of business relationships with multiple service providers
Participate in short and long-term planning sessions with the GTS senior management to implement process improvements in the assigned functional area
Collaborate with business partners and GTS senior management in order to provide business solutions to meet user needs
Manages the development and implementation of integrated initiatives to support the business and GTS strategy
Interfacing with internal and external GTS customers to deliver a high standard of customer service
Manages staff directly responsible for transaction processing
Develops and manages key performance indicators that drive continuous improvement and staff performance
Manages third party relationships to maximize value to the business
Contributes to subject matter expertise and influence to the development of standards and changes to systems/applications/processes to support those standards
Supports internal and external audit needs
Manages the development and delivery of training for internal and external users to ensure productive use of existing and new systems
Ensures adherence to applications security procedures, change control guidelines and Sarbanes Oxley requirements
Bachelor's Degree required. MBA preferred
5 or more years of relevant experience
Staff management experience including both non-exempt and exempt staff employees
Leadership experience in managing large, cross-functional teams and influencing management and key stakeholders preferred
Demonstrated ability to implement one or more business project(s) on time and within budget preferred
Experience with Global Business Processes preferred
Shared Services experience in a managerial role preferred

Engagement Manager, Credit Resume Examples & Samples

Ensure predictable, consistent, and successful project delivery
Provide a complete view of the overall project to all stakeholders
Exhibit proactive behavior by engaging in project planning activities, including but not limited to: Defining the overall scope of the project; Creating and maintaining a consolidated timeline highlighting the major milestones and associated dates for project activities; Identifying and communicating project dependencies and impacts; Putting mechanisms in place to ensure on-going control of the project (E.g., Kick off meeting, overall Project Management Approach, Risk Management, Issues Management, Change Control, etc.)
Define project governance outlining roles and responsibilities and decision rights
Ensure success criteria defined upfront to promote alignment and actively manage to expected project outcomes
Keep all stakeholders (internal & external) engaged in the project, aligned on expected outcomes and informed about what is occurring throughout project
Proactively communicate the project’s progress on an on-going basis, ensuring transparency throughout project lifecycle. Provide leadership and key stakeholders with the information and venues to make effective, timely decisions
Provides leadership, accountability, and ownership for all aspects of the project life cycle
Represents the needs of the client in specific product development initiatives that are associated with the project
Working Experience with the Vision Plus System
Minimum 5+ years of previous project management and/or relevant consulting experience
Knowledge of and demonstrated experience in project management processes and methodologies, as well as, project lifecycle
Experience in driving large scale change efforts
Experience with matrix management of cross-functional processes and teams
Proficient with Project Management tools
Stakeholder Partnership
Frequent travel (5-10 times annually)

System Manager, Credit Systems Management Resume Examples & Samples

A university degree/college diploma in technology related discipline &/or 3+ years of related work experience
Advanced level knowledge of Lending/Credit Systems &/or Automated Decision/Business Rules Management Systems
Experience, or developing skills, in coaching & mentoring
Advanced knowledge and understanding of BMO products, processes, controls & practices
Consistently demonstrates BMO Values & Our Way model consistently

Manager, Credit Documentation Resume Examples & Samples

Assist with generating, issuing and reviewing documentation for assigned jurisdiction's originated credit transactions for Wealth Management's private client and their investment companies and RBC and external Trust structures, in accordance with approved eTRs written by credit specialists and working closely with Group Law and counsel as required
Responsibility for the integrity of information transcribed from approved eTR’s to loan and security documentation
Required to exercise excellent judgment to ensure that credit has been properly approved, documentation is complete and collateral can be perfected under existing lending policies
Review entity documentation for Trusts, corporations, LLCs, partnerships or other borrowing entities both onshore and offshore
Provide assistance and guidance to credit specialists as needed with review of documentation and drafting letters in connection with credit facilities
Gather, with guidance from Group Law and outside counsel, additional information on requirements for international entities and foreign jurisdictions, and legal opinions as may be required
Review proposed transaction structure and/or make recommendations for changes to structure to protect RBC interests/mitigate unnecessary risks
Preparation of supplemental/amending documentation as needed
Perform searches, filings, registrations and releases of security as needed
Instructs and liaises with external legal counsel as required
Participate in Credit Management Projects to improve the data integrity of credit reporting and suggest systematic improvements to improve efficiencies within the credit management processes and work flow
Raise concerns / issues to management surrounding individual credits that present a heightened risk to the firms’ balance sheet
May include people management responsibilities including performance management, ongoing development and training, hiring and other workforce planning activities
Essential Job Specification & Qualifications
Degree from an accredited university in law or related field and prior relevant legal training and related experience with credit transactions
Credit administration, record management and loan documentation experience within a Private Bank setting
Demonstrable sound managerial experience in leading and managing a team [if role manages people]
Sound knowledge of local regulatory and compliance requirements is required
Proven successful experience with and understanding of Private Client and High Net Worth credit business
Proven experience and expertise with broad range of credit products and with credit portfolio management and collateral monitoring
Experience with credit products including loan, standby letters of credit, guarantee and overdraft facilities
Familiar with various collateral types including, cash, portfolio, real estate, and insurance-secured transactions
Displays sound independent judgment with strong understanding of legal/documentation risks as well as well-versed in WM credit control requirements and processes with ability to deliver results under pressure
Strong understanding of Wealth Management credit business including interrelationships between the business, functions and Group Risk Management
Advanced knowledge with Microsoft Office applications including Outlook/Excel/Word/PowerPoint and proven ability to learn and adapt to in-house credit and other workflow systems
Demonstrated ability to proactively manage deadlines and work within a dynamic and fast-paced environment
Strong analytical and organizational capabilities

System Manager, Credit Systems Management Resume Examples & Samples

15%: Leadership and Coaching
Interpret overall and specific team roles and responsibilities, guiding team members through setting an effective framework of processes and procedures for system management activities. Enable and action a team based communication infrastructure to support continuous improvement of the working environment and supporting processes and procedures
Provide feedback to Senior Manager on successes and key strengths, and, challenges and areas for improvement of members of the team
Manages and plans activities associated with assigned Segments, Products and Processes
Establishes a 1 to 2 year direction or plan for assigned Segments, Products and Processes, aligned to the overall Credit Systems Environment plan (as outlined by System Manager, Sr System Manager and/or Senior Manager).Coordinates roles, plans and assignments for each team member to achieve the plan(s) associated with an assigned Group of Credit Systems
Recommends equipment, processes and human resources, and optimized allocation of resources within the team Identifies opportunities to improve and enhance the Credit Systems Environment that deliver on BMOs Vision of Defining a Great Customer Experience
Maintains the integrity of change management processes supporting an assigned Group of Credit Systems, and, assigned Credit Systems, Segments, Products and Processes, including
A university degree/college diploma in technology related discipline and/or 5+ years of related work experience
Experience, or developing skills, in Managerial Leadership, coaching and mentoring
Strategic business visioning and planning
Extensive knowledge and understanding of BMO products, processes, controls and practices

Manager Special Credit Resume Examples & Samples

Minimum of two years proven experience handling commercial credits and dealing with customers, or equivalent
Bachelors degree in accounting, business, finance, economics, related field or equivalent experience
Demonstrated negotiations, problem-solving, communications, decision-making and persuasion skills
Knowledge of application of law as it applies to banking, business loans, bankruptcy, contracts, securities law, Uniform Commercial and real estate

Collections / Credit Chargeback Manager Resume Examples & Samples

Monitor Chargeback team’s workload and prioritize when needed
Ability to train in all A/R, Billing and Collection Department processes
Provide process improvement ideas and feedback
Monitor daily work volumes of Collector, Biller, and A/R Specialist
Delegate individual projects as needed
Actively collect past due AIR, including resolving billing issues with assistance from the sales team
Responsible for research required for credit decisions; responsible for maintaining all credit files for assigned locations
Knowledge of the Accounts Receivable, Collections, Customer Service, Sales and Marketing functions
Big box retail experience a must
At least 10 years of Collections/Chargeback
Strong General Ledger knowledge and skills
Strong forecasting and analytical skills
Skilled at Microsoft Word, Excel and PowerPoint
Completed BS Degree in related field

Credit & Document Administrative Manager Resume Examples & Samples

Provide leadership, coaching, and development to a team of salaried and hourly non-union Cast Members
Maintain a broad understanding of TWDC and DVC policies and procedures; timeshare industry best practices, notary laws, and real estate laws
Analyze forecasts to ensure inventory for sale maximizes business needs while also meeting Member expectations
Analyze metrics to improve quality of contracts and reduce average days to close
Evaluate and analyze trends in credit processing and approval
Strategically build and nurture relationships across various lines of business
Collaborate with peers and partners to achieve business goals and provide world-class service to our Members
Develop presentations on the current state and future progress of department for executive leadership
Minimum of three years leadership experience
Demonstrated strong business planning, analytical, problem solving, and decision making skills
Ability to develop and understand complicated financial analyses
Demonstrated strategic thinking skills and the ability to effectively execute against defined strategies
Demonstrated ability to innovate and lead organizational transformation
Demonstrated ability to motivate, inspire, and lead change management
Strong leadership ability and credibility with peers and management
Demonstrated strong verbal and written communications skills
Demonstrated strong conflict resolution skills
Proven experience in forecasting
Proven experience with business analytics
Proven knowledge of Disney Parks and Resorts / Disney Vacation Club
Bachelor’s degree in an analytical business field (e.g. Finance, Industrial Engineering, Information Technology, etc) or equivalent

Consumer Credit Card Product Development Manager Resume Examples & Samples

Seven years related experience in product management OR line experience working with products
Financial analysis, Project management
Card Product or Card Product Marketing experience strongly preferred
Direct Exposure to issuance of BankCard or Large/Matrixed Bank environment experience
Ability to gather and synthesize ideas for developing and managing products
Master’s degree in Business, Finance, Marketing or Executive Management training experience preferred

Regional Manager Credit Resume Examples & Samples

Execute credit strategy within area of responsibility
Provide the credit head with management information relevant to the credit portfolio
Liaise with other business units to ensure optimal client solutioning at an agreed risk profile
Manage operational issues for credit in the area of responsibility
Contribute to the development of credit and the achievement of business objectives
Manage the required target values, beliefs and behaviours required to meet the objectives
Review & drive enhancements to the business model for the monitoring and control processes with a view to streamlining or automating processes/procedures
Conduct credit assessments and approve requests within an assigned discretionary functional mandate
Assist the team with the structuring and solutioning of complex credit applications
Manage out of order accounts
Ensure appropriate analysis and clarity in respect of requested facilities, conditions of sanction, monitoring and control etc thereby maintaining the quality of the credit risk profile of the portfolio
Responsible for team’s data quality integrity and for the coordination of any related remediation exercises
Application of larger business operational controls

Manager Title & Credit Administration Resume Examples & Samples

Prepare motion picture credits for all Fox divisions (which includes main titles, end titles and paid advertising memos)
Review advertising/publicity/promotional materials (including but not limited to one-sheets, TV spots, Trailers, EPK’s) for all Fox divisions (including acquisitions) from a legal standpoint making sure that all materials are compliant with the various guilds as well as individual personal services contracts
Help with day to day Title Administration tasks such as pulling title similarities, preparing protest, waiver requests and monthly title reports
Review/comment and communicate on credits for acquisitions for all Fox divisions
Directly liaison with the Motion Picture Association of America, the Producers Guild of America, the Writers Guild and the Directors Guild in an effort to obtain the necessary waivers and approvals for each picture
Prepare Academy Award consideration forms as well as help assist in the approval of all Award marketing campaigns (including Academy, BAFTA and HFPA)
Communicate with various studio executives in production, post production, legal, business affairs and marketing

Manager Title & Credit Administration Resume Examples & Samples

A Bachelor’s Degree and at least 5 years’ prior work experience in a fast-paced legal environment, motion picture credit and title administration preferred
Good working knowledge of Microsoft Word and Outlook
Must be well-spoken and possess strong written/verbal communication and interpersonal skills. Superior grammar, editing and proofing skills required
Must be client-service oriented, and able to handle heavy phone and email communication
Because of exposure to high-level confidential information, a high level of integrity, discretion and professionalism in dealing with senior professionals inside and outside the company is essential
Must have excellent organizational skills, and be able to complete high volumes of tasks and projects quickly with little guidance, react with appropriate urgency to situations and events that require a quick response or turnaround, take effective action without having to know the total picture, and solve problems that affect people within the group or other related groups
Must be detail oriented with the ability to independently prioritize work and handle multiple tasks with set deadlines
20th Century Fox Filmis one of the world's largest producers and distributors of motion pictures. 20th Century Fox Film produces, acquires and distributes motion pictures throughout the world. These motion pictures are produced or acquired by the following units of 20th Century Fox Film: Twentieth Century Fox, Fox 2000 Pictures, Fox Searchlight Pictures, Fox International Productions, and Twentieth Century Fox Animation

Manager Credit Strategies Resume Examples & Samples

In-depth understanding of retail credit and collections modeling and analytics; knowledge of SAS desirable
In-depth knowledge of the Bank’s Automated Lending Decision Tools (e.g. STRATA)
In-depth knowledge of commercial and retail loan portfolio management frameworks and practices
Working knowledge of commercial and retail capital and RWA concepts
Working knowledge of commercial and retail portfolio management practices and concepts
Working knowledge of the bank’s commercial and/or retail risk data marts and risk data sources
Working knowledge of project management best practices at BMO
Minimum 5 years work experience with commercial credit and/or retail credit or risk experience
Working knowledge of the Basel II framework and OSFI Commercial and Retail AIRB regulatory requirements
Working knowledge of project management techniques, practices and standards

Credit Card Client & Servicing Experience Manager Resume Examples & Samples

Five years related experience in product management OR line experience working with products
Professional communication skills
Financial analysis. Project management
Bachelor degree in Business, Finance, Marketing
Demonstrated knowledge of Private Wealth Management Clients
Demonstrated knowledge of Credit Card products
First Data experience

Manager Group Credit Policy Resume Examples & Samples

Proven leadership, team and relationship building skills
Critical thinker with attention to detail
Experience with regulatory reporting and the risk control framework
A tertiary qualification in a business, finance, accounting discipline is preferred but not essential

Manager Credit Mid Market Growth Resume Examples & Samples

Ensures credit applications are adjudicated promptly with risk optimized and the assigned credit portfolio is efficiently maintained at an acceptable level of risk
Ensures sound and timely credit decisions conforming to Bank Policies and Guidelines
Contributes to the overall growth of Commercial Banking’s loan portfolio
Helps develop credit competencies of Banking colleagues in relation to accounts assigned
A good understanding of Bank lending policies and procedures, financial analysis, risk assessment techniques, credit structuring, collateral and security documentation and registration, collection, related legislation and accounting practices
Strong organizational skills and the ability to prioritize work effectively and efficiently
Strong coaching and counseling skills

Credit / R Manager Resume Examples & Samples

Bachelor Degree in Accounting or Business from an accredited institution
Minimum 6 years of Credit & Collection experience
Minimum 3-5 years in a managerial role
Knowledge of Financial Statement Analysis, Credit, Collections, Commercial Law
Advanced MS Office and ERP Systems a Must - SAP a plus

Senior Manager Credit Services Resume Examples & Samples

7 to 10 years combined banking experience including supervisory experience and preferably 5 years commercial credit, credit services and knowledge of Canadian Banking practices
Preferred post-secondary education: University/Business School degree or through ICB accreditation
Familiar with the Bank’s complete range of commercial credit products and services
Strong team player and strong leadership record with exemplary organization, interpersonal, communication and change management skills
Able to lead by example to ensure a team approach is in place
Highly service oriented with excellent interpersonal skills
Strong organizational skills and time management skills to effectively schedule and prioritize activities and requests and ensure service deadlines are met Strong problem solving skills Basic proficiency with Microsoft Office and HBCA internal systems

National Manager Credit Lending CVM Resume Examples & Samples

Participate in the formulation of one National CL strategy aligned to the Absa group and Retail Bank Credit strategy. The Credit Lending National Manager will provide direction as well as input into the CL strategy by ensuring that a climate of collaboration between the respective Credit Risk and Business Stakeholders are created. (Home Loans, Avaf, Private Bank and Transactions & Deposits)
Lead the strategic direction and effective implementation of change in the Credit Lending functions which is done in conjunction with Stakeholders
Formulate a business plan from the strategy and cascade down to Regional Managers who will ensure that the respective direct reports understand the Business plan. PD
Objectives are therefore set from the Business Plan on all levels, (Credit Clerk, Credit Officer, Team Leader, and Regional Manager as well as National Manager)
To be an active member of the Business Unit Stategy Council and participate in future developments
Translate strategic targets into meaningful operational targets and strategic focus areas for CL. Targets are received from Credit Risk (CVM team). This is discussed with the respective Stakeholders and cascaded to Regional Managers. Targets are part of the Business plan and PD objectives and therefore measured according to the PD cycle
Ensure that the focus areas are disseminated to all levels in the business unit
Participate in the formulation and improvement of credit policies, align to Group risk appetite and industry and market trends to support effective CL. Role Players: Credit Lending, Credit Risk, SBUs
Provide clear direction to Regional Managers and SBUs and prioritization of activities to meet CL objectives by ensuring alignment of segment plans and resources to the National CL strategy
Build internal networks that will ensure CL is able to deliver on business expectations systems, processes etc
Analyse Industry trends as well as customer complaints and feedback to improve business performance
Plan the resource requirements for the CL function (including people, Opex, systems and Strategic Investment), negotiate and secure its allocation to the business unit and ensure delivery based on the promised business results
Actively work to integrate the internal supply chain for the business unit including operations and support functions. Work with stakeholders in those areas to improve service delivery for the business unit and ensure maximum utilisation of shared services
Establish performance development dashboard criteria in conjunction with the unit head. Ensure that adequate management information is made available to measure performance against the dashboard targets
Oversee the analysis of transfer pricing, manage, monitor and report on deviations
Re-configure resources based on an assessment of resource gaps in the existing operation and market opportunities, focus on value creation
Implement process, procedures and technical systems that support the business as agreed with key stakeholders
Oversee the Project Management of multiple projects that are aligned to operational performance targets
Accountable for national and regional resource deployment and capacity management
Managing responsibilities in a matrix managed environment
Facilitate appropriate Service level agreements with Business and other functional support units - National Managers draft SLAs in collaboration with SBUs and ensure that the service levels are adhered to and that the necessary controls are in place
Monthly meetings are held with the Regional Managers and feedback to the SBUs are also done on a monthly basis
Develop and maintain excellent staff relations within own area of responsibility and the wider team to ensure the achievement of business objectives
Develop and maintain excellent relationships with applicable Retail Bank segment as well as other Credit Lending and Credit Risk units
Attend relevant meetings/forums to account for Credit Lending responsibilities and deliverables at these forums - National and Regional i.e. Portfolio Review Committee, Risk Forum, etc
Coordinate the efforts of the different operational areas under management to ensure minimal duplication of efforts, maximum efficiency and to maximise value for money
Balancing of team resources between different areas e.g. reallocating headcount or budgets, but within overall approved resources for the year, using Active Capacity Management (ACM)
Contribute to the development of business unit strategy for the next 2-3 years by providing a view on potential improvements for products or services and an assessment of the existing situation and anticipated changes in the external environment
Agree targets and take accountability for the overall achievement of performance objectives in the business area in terms of employee satisfaction, customer experience, and cost performance, return on investments, risk, and compliance and governance requirements
Manage departmental costs including signing off of invoices and quotes within assigned mandate. Escalate out of budgets items for approval
Analyse effectiveness of processes and systems in use in the department and make recommendations for improvements
Agreed and manage service offerings and SLAs with internal customers (agree annually and measure on a monthly basis)
Oversee ongoing resource allocation and optimising the efficiency of the CL platform (ACM)
Identify talent and develop successors to retain key individuals and skills sets within Absa
Ensure implementation and management of the High Performance Organisation and HR practices
Develop performance of direct reports to ensure individual/collective objectives are achieved (and) aligned with the Higher Performing Organisation principles
Develop a high performing Leadership Team by Recruiting and promoting the best people in line with the business needs, supporting the enhancement and development of people, embedding formal performance development and informal coaching
Ensure that the Barclays Values are displayed and entrenched within the Team
Collaborate / co-ordinate HR activities within Credit Lending. Provide direct reports with necessary resources skills, tools, training and development) to achieve performance objectives
Ensure that employees complete all relevant compliance training
Adhere to the timelines as per HR calendar
Ensure that PD's are in place for all employees and manage according to the Barclays values
Create a climate conducive for sustainable employee engagement
Manage Change while maintaining operational effectiveness
Enhance own performance and development
Comply with HR governance and goals
Drive action plans emanating from the Employee Opinion Survey (EOS)
Continuously mentor the management team of the area on proactive people management techniques, knowledge transfer in ensuring sustainability of CL functions
Review effectiveness of the formal Talent Management process ensuring that the CL Employee Value Proposition is achieved and keeping the One Team ethos
Participate with specific Retail segment/s in the design and enhancement, as well as the improvement of core business processes to improve overall service delivery
Ensure quality and sustainable lending practices to support risk appetite and tolerance within pre-determined parameters
Implement and maintain a superior credit policy, procedure and regulatory framework which is always done with Credit Risk and the relevant SBUs
Facilitate and support Group Customer Value Management in terms of influencing retail lending strategy and policy
Ensure adherence to all statutory and regulatory requirements e.g. NCA, BASEL etc
Maintain a robust performance matrix to articulate underwriter financial contributions to business and continuously evaluate and enhance the correct Credit Lending platform and to align with best practices
Ensure that processes, control requirements and risk management frameworks that impact the area are documented and understood by all members of the team
Work with Absa Internal Audit, RB Compliance and Management Assurance during the scoping of audits to ensure fair coverage
Own and agree corrective action items with Internal Audit, Compliance and Management Assurance for findings related to the functional area under management
Arrange issue assurance for closed audit findings
Complete required compliance and attestations
Ensure that the team understands all compliance requirements and call for the area's Compliance Officer to conduct briefing sessions if gaps are identified
Ensure that all regulatory requirements are adhered to
Ensure that the Business Continuity Tool is updated regularly and signed off annually
Working with managers/professionals in the team, develop Risk and Control Assessments (RCA's) for the function and update at the required intervals (normally quarterly). Complete attestations to testify to the adequacy of controls on request
Participate in the development of Key Risk Scenarios including the determination of likelihood of occurrence and potential impact. Actively work to minimise the amount of economic capital that has to be set aside for operational risk
Ensure that managers in the team understand their responsibilities for physical and systems access control and information security requirements
Ensure that the CL area has a Health and Safety Rep, Fire Warden and Evacuation representative
B.Com or related degree in Credit/Finance (NQF level no.6)
At least 5 years Retail Banking experience
5 years Middle Management experience
2 years in a credit related environment
Execution of Credit Lending Underwriting Activities
Managing stakeholders and resources
Business Management acumen
Risk Compliance and Management Controls

Senior Manager Credit Solutions Resume Examples & Samples

Credit and Operational
Design and develop strategic solutions for Commercial Banking credit and operational processes
Ensure each initiative is implemented efficiently within audit, compliance and operational standards to minimize risk to the Bank
Ensure initiatives impacting Commercial Banking and Partners maintain a client-centric focus ultimately improving the client experience
Implement streamlined operational process for productivity gains
Communicate updates or new requirements arising from completed projects in a well-organized manner using Business Net, etc
Reporting
Perform reasonability tests to ensure accuracy and credibility of data used to support decision-making and administration of portfolio management
Propose and recommend effective responses to audit and compliance issues and provide timely updates for outstanding action items
Collaborating with Partners to identify effective courses of action
Following up to ensure actions taken will meet required resolution date
Maintaining an understanding of the external Audit / Compliance trends and best practices
Develop and prepare clear and succinct business cases to support new initiatives
Other ad hoc reporting requests supporting compliance, portfolio management, etc
Contribute to Commercial Banking newsletters and communications as required

Credit Card Portfolio Management Manager Resume Examples & Samples

3-year+ experience in credit card related area
Logic thinking and good problem solving abilities
Proficient in English speaking and writing
Analytical background is a plus

Senior Manager Hedge Funds Credit Adjudication Resume Examples & Samples

Assist and participate in the presentation of credits to senior bank management and the Senior Credit Committee
Contribute to ongoing enhancements to risk rating methodologies, and development of a curriculum on hedge funds fundamentals
Prepare monitoring reports for senior management on the overall hedge fund portfolio as well as individual counterparties, assist with preparation of the Industry Board Report and other reports, and the development of new methods for monitoring hedge funds risk and developments
Strong P.C. skills (Microsoft WORD, EXCEL), knowledge of quantitative computing for finance would be a strong asset

Manager Credit Admin Resume Examples & Samples

Ensuring that documents reflect the credit conditions, by appropriately incorporating the relevant clauses in the documentation
Ensuring accuracies and appropriateness of documents for corporate clients by liaising with Credit, BU, Legal and external Vendors like search agents, Chartered Secretaries etc
Tracking of monitoring conditions and highlighting the gaps, if any, to all stake holders
Constantly reviewing the process on documentation and ensuring that it remains the best in the industry
Ensuring smooth flow of documentation and putting in place the adequate controls around checking and storing of documents/security papers including that for property related documents
Ensuring that the processes remains in line with the process manual and deviations, if any are appropriately recorded
Ensuring timeliness and quality of services for the portfolio supported
Ensuring that draft documents of Bank are relevant and in line with the latest laws/compliance and apparent gaps, if any, needs to be highlighted to legal and compliance team so that corrective steps can be taken
Ensuring no audit comments or no process gaps identified by internal/external auditors
Maintaining smooth relationship with BU, HO, Lawyers, Vendors etc etc
Maintaining effective custody of documentations and timely periodical verifications of security/transaction documents
Vetting of offer letters and security documents
Follow up of Pre and Post monitoring items
Rolling out of exception report on monthly bases
Liaising with in house and external legal for drafting of non standard docs
Managing customer’s expectation, both internal and external
Ensuring adequacies of process and controls
Managing small team (1-2 resources)

SME Credit Approval Manager Resume Examples & Samples

Perform post approval monitoring. Early recognize problem accounts and escalate to appropriate senior level
To instill a strong credit culture and ensure that effective credit processes and procedures are implemented to minimize losses from deteriorating credits
Giving support to Credit Policy and group guideline breaches to the extent permitted by the Group Credit Policy Statement

Field Credit Division Manager Resume Examples & Samples

In cooperation with the Chief Credit Officer and other members of senior management (as appropriate), establish and maintain the strategic direction of Field Credit such that it supports and contributes to the overall bank strategic plan and direction
Establish annual Individual Performance Objectives for Field Credit staff, track performance against the same throughout the year, and conduct year-end performance reviews
Decision requests for loan amendments, covenant waivers, key credit actions, and Annual Credit Reviews within limits established by Credit Policy
At the discretion of the Chief Credit Officer, serve as a delegated Regional Credit Officer and/or Loan Committee voting member as needed
Support the credit approval process by working with bankers on large dollar or highly complex loans, developing appropriate structure elements, and consulting with group heads prior to loan committee submission
Oversee the planning and scheduling of deadlines for such things as renewals, relationship reviews, Problem Credit Report meetings, and other necessary credit activity
Ensure risk ratings conform to Credit Policy, are timely, and consistently applied across the portfolio
Draft, amend, and otherwise maintain Credit Policy White Papers related to the Commercial and Specialty Banking departments
Participate in other special projects that further the objectives of the Credit Department
Complies with all applicable federal and state regulations
Managerial experience is required
Working knowledge of specialty lending products including, but not necessarily limited to, senior living assets, wealth management, payment processors, and loan syndications
Solid understanding of the credit risks associated with the following asset classes: Multi-Family, Office, Industrial, Student-Housing and For-Sale Residential
Familiar with the fundamentals of Appraised Values, including the Income, Cost and Sales Approaches: This includes the use of Cap Rates, Expense Ratios, and Gross Rent Multipliers. Proficient in identifying the risks and the fundamentals of construction financing for the asset classes listed above
In depth knowledge of cash flow calculations including EBITDA based, FAS95 Statement of Cash Flows, and Excess Cash Flow Recapture models
Solid understanding of working capital conversion cycle including collateral monitoring, appropriate advance rates, dilution, etc
Must be able to understand complex lending products including, but not necessarily limited to, leveraged transactions, fixed asset financing, and ESOP transactions
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Senior Manager Credit Cards Resume Examples & Samples

Lead the Credit Card Task Force
Manage all credit card task force meetings including the monthly call held with all of the country card heads. Duties include setting the agenda and arranging guest speakers
Manage all offsites related to the task force including the annual Visa Business Week where countries come together and share best practices and plan for the following year
Identify opportunities for Divisional projects that either enhance revenue or improve the customer experience by leveraging what one region is doing and bringing it to another region or by leading Divisional projects out of Toronto across multiple countries
Credit Cards Strategy
Support the implementation of a Divisional Cards Operating Model working closely with the countries
Lead the development and communication with countries regarding specific short-term and long-term strategy plans
Drive Card solutions to maximize synergies across department, business lines and Regions
Provide Product advice on initiatives and new technologies across the division, related to Credit, Debit and Prepaid Cards
Partner management and best practice sharing
Work with Visa and MasterCard on Divisional Card projects
Support the dissemination of best practices on product innovation, portfolio management and overall payment strategies at the divisional level. This position will also provide insights and advice to countries on opportunities to strengthen performance of the Cards portfolio
5+ years of retail financial services experience and product management especially with Card based payment products

Senior Manager Consumer Credit Resume Examples & Samples

University degree preferred
MBA is an asset
5-7 years’ experience in a Credit function in financial services
5+ years’ consumer lending experience, preferably currently or previously holding Unilateral Discretionary Limits or minimum ALD qualification
In-depth knowledge of all personal lending products and services
In-depth knowledge of the Banks lending philosophies, policies and procedures
Introductory to basic knowledge of everyday banking products, business banking lending products, mutual fund products, RRSP’s and RESP’s, term investment products, direct brokerage (Investorline), full service brokerage (Nesbitt Burns), Direct Banking
Managerial Leadership (In-depth)
Coaching skills (in-depth)
Strategic Business Planning (In-depth)
Relationship Management (In-depth)
Credit Risk Management (In-depth)
Problem Solving (In-depth)
Communication skills (in-depth)
Time management and multi-tasking skills (In-depth)

Credit Assessment Team Manager Resume Examples & Samples

Dynamic Woking environment
Excellence opportunity to be part of a growing business
Contribute to super regional goal

Manager, Forecasting Global Credit & GNA Gccm Resume Examples & Samples

Development and ownership of forecasting model for Global Consumer Credit, Global Corporate Credit and Global New Accounts
Establish and maintain strong relationships with business partners ensuring regular communication & feedback on executing the plan
Strong ability to interrogate, question, and validate key inputs and data outputs
Manage in a global 24x7 environment with the potential for dealing with crisis/contingency plan situations

Regional Credit Admin Manager Resume Examples & Samples

Responsible for Middle Market Commercial Banking credit approval and portfolio administration
Reviews activities to ensure that proposed loans adhere to existing policy guidelines, documentation is adequate to ensure security of collateral, and that ongoing administration and review is adequate to maintain the loan portfolio's quality and profitability
Participates in credit structuring and negotiation strategy discussions with commercial banking officers including participation in customer calling
Provides information, guidance and direction regarding credit policy, credit goals and current credit issues to commercial officers
Participates in various loan committees and periodic loan portfolio reviews
Participates as a member of the Middle Market Leadership Team
Bachelor's degree preferably in Finance, Business, or Accounting
10 or more years commercial credit experience in C&I portfolio management
Completion of formal credit training program
Excellent verbal and written communication skills, with the ability to manage others
Highly developed analytical skills
Ability to make sound credit decisions independently

Manager Credit Metrics Resume Examples & Samples

Strong technical knowledge and experience in credit risk metrics
Understand complex concepts and communicate them simply to others
Ability to influence people through excellent oral and written communications skills
Strong SQL and SAS skills, management of large data sets

Credit Union Branch Manager Resume Examples & Samples

Work with branch staff to assure excellence in Member Service, to implement/follow up on policies and procedures, to assist staff in resolving complex member problems, concerns, and/or questions
Work on various production or compliance reports
Involved in regular manager meetings
Work with other branches/departments within the Credit Union
Engage in budget development as well as actions necessary to meet or exceed budgetary expectations
Oversee/develop staff for day to day branch operations and member sales & service
Bachelor’s degree or equivalent work experience
Minimum of 5 years financial institution leadership experience
Proven experience leading operations to meet metrics, leading associates to exceed customer expectations
Ability to multitask
Self-motivated and willing to assist other employees
Strong organizational and oral and written communication skills
Strong decision making and customer sales/service skills
Ability to train and develop
Consumer lending experience (originate/close loans, process loan requests, interpret credit reports and debt ratios)

Senior Credit Solutions Manager Resume Examples & Samples

Contributes to the profitable development of Commercial Credit business in the Mid-Market
Ensures the accurate communication and effective and timely implementation of the terms and conditions of an authorization
Ensures the ongoing quality of the credit portfolio (in conjunction with the Business Service Centre (BSC) in Shared Services), through adherence to controls and administration of the specific conditions and reporting requirements as specified in individual authorizations
Provide direct management, coaching and counselling to Client Solutions Analysts
Superior credit skills and significant credit experience
Superior risk assessment and analysis skills, including Moody?s Financial Analysis
Superior deal structuring skills
Superior organizational skills
Good coaching skills
Good sales/closing skills
Good industry knowledge with areas of specialization where required
Undergraduate degree in business or economics or equivalent work experience

Credit Documentation Manager Resume Examples & Samples

To verify credit approvals are in accordance with the delegated approving authorities and all approval terms and conditions are complied with the Bank’s internal credit and legal policies and guidelines
To review and ensure all terms and conditions stipulated in the approval are incorporated in the facilities letters, credit agreements and related security documentation
To work closely with Relationship Managers, internal and external Counsel to address legal and documentation issues, deviations and non-standard terms and conditions
To liaise with Relationship Managers to rectify any discrepancies identified in credit approvals and/or documentation in a timely manner
To ensure all conditions precedent are met before authorising disbursement
To ensure proper tracking and follow up on rectification of outstanding documents, financial conditions and covenants
Good working knowledge of legal and credit documentation for corporate lending
Excellent attention to details and accuracy
Strong analytical skill
University degree in Business, Finance or related disciplines
Minimum 5 years’ banking experience in corporate lending
Experience in loan agency/syndication roles and functions is an advantage
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Manager, Credit Allowance Resume Examples & Samples

Manage the Vendor Deal Portal (VDP) to ensure that all credit allowances are created in accordance with best practices and in compliance with GAAP. Act as primary Internal Approver within the VDP workflow approving approximately 8,000 deals annually
Manage team of offshore associates to post audit approved off-invoice, quarterly, year-end and plateau deals, respond to vendor claims and ensure proper dollars are collected from the vendors both domestically and from import payments as necessary
Review offshore team performance and evaluate/approve SLA metrics
Assist the monthly, quarterly and annual closing process by preparing schedules related to paybacks, prior year income and reserves; support financial audit
Ensure that allowances are recorded accurately in the purchase journal and reconcile to annual allowances reported
Liaison with 3rd party accounts payable auditors to help validate prospective claims relative to credit allowances
Review and approve vendor adjustments in accordance with defined approval thresholds
Ensure team is following Sarbanes-Oxley procedures and process is documented; enhance documentation as necessary and review with external and internal auditors
Maintain and update relevant department SOPs in accordance with changes implemented with offshore team
Act as the subject matter expert to the Merchant organization to respond to questions relating to how allowance deals should be written
Lead IT projects that improve efficiencies and drive profitability
Develop ad hoc analyses as required to support allowances
Available for limited international travel, if required
BA in finance or accounting required. MBA a plus
5+ years of proven managerial and analytical experience
Prior retail company experience is preferred
Ability to formulate observations and make financial recommendations, articulate findings and deliver results to small and large groups. Must have experience conducting meetings to discuss results of analysis
Must be able to communicate effectively with confidence, to all levels of the organization. Excellent oral/written communication and presentation skills are a must
Ability to process large volumes of data into meaningful, actionable reporting and analysis
Ability to maintain databases and become subject expert in definitions of all data fields
Ability to plan and coordinate multiple projects with varying deadlines
Advanced knowledge of Microsoft Access and Excel
Proven track record of successful supervisory experience

Manager Credit Bureau Management Resume Examples & Samples

A Bachelors degree or equivalent experience in mathematics, statistics, computer science or related field. 　
A minimum of five years computer programming experience in a variety of computer languages and software applications packages including COBAL, Statistical Analysis Software (SAS), SQL, PEARL, JAVA, HTML, Visual Basic, Unix/Solaris, TSO/ISPF, or Crystal/Actuate. 　
Two years experience in leading projects or a staff is required. 　
Masters degree preferred. 　
Demonstrated ability in completing complex application programming work. Knowledge of logical or physical data modeling, meta-data management, and business rule definitions. 　
The ability to actively listen, interview end-users, and apply information from meetings to complete tasks. 　
Mathematical and statistical aptitude. 　
Strong interpersonal and presentation skills. 　
Good written and verbal communication skills.　
Oversight and monitoring of credit bureau vendor and services utilized within the United States. 　
Serve as key business point of contact on vendor related issues 　
Identify primary business owners for each service and ensure that proper controls are in place for items like permissible purpose, access controls, information security, invoicing, etc. 　
Perform monthly monitoring of services and take the lead on company wide security and compliance reviews of the bureau services.　
Create dashboard reporting for bureau related projects, operational risks, and services monitored. 　
Schedule meetings, document outcomes, and follow up with business owners and others to remediate issues and push projects forward. 　
Support all Vendor and Contract ownership topics related to credit bureaus, including PEETs, SOWs, and own / facilitate new contracts as needed. 　
Support all Invoice Management, Permissible Purpose, Financial Reporting Invoice by budget cost center

Manager Credit Bureau Management Resume Examples & Samples

A Bachelors degree or equivalent experience in mathematics, statistics, computer science or related field
A minimum of five years computer programming experience in a variety of computer languages and software applications packages including COBAL, Statistical Analysis Software (SAS), SQL, PEARL, JAVA, HTML, Visual Basic, Unix/Solaris, TSO/ISPF, or Crystal/Actuate
Two years experience in leading projects or a staff is required
Masters degree preferred
Demonstrated ability in completing complex application programming work. Knowledge of logical or physical data modeling, meta-data management, and business rule definitions
The ability to actively listen, interview end-users, and apply information from meetings to complete tasks
Mathematical and statistical aptitude
Strong interpersonal and presentation skills

Senior Manager Credit Bureau Management Resume Examples & Samples

A Bachelor's degree or equivalent experience in mathematics, statistics, computer science 　
Six to eight years computer programming experience in a variety of computer languages and software application packages including Statistical Analysis Software (SAS), COBAL, SQL, PEARL, JAVA, HTML, Crystal, TSO/ISPF, or Visual Basic 　
Four years of managing projects or a staff. Master’s degree preferred 　
Demonstrated experience of logical or physical data modeling, meta-data management, and business rule definitions 　
The ability to actively listen, interview end-users, and apply information from meetings to complete tasks 　
Mathematical and statistical aptitude 　
Strong interpersonal and presentation skills; and good written and verbal communication skills　
Support the management of all aspects of HSBC relationship with the credit bureaus; including contract negotiations, compliance reviews, security reviews, documentation of product usage and controls, monitoring of vendor services and performance per HSBC guidelines, and timely identification and remediation of issues　
Serve as key business point of contact for credit bureau questions and issues　
Use knowledge of credit bureaus, underwriting, and procurement / vendor management experience, to mitigate operational and compliance risks while providing valuable products to grow the business.　
Ensure dashboard reporting for bureau related projects, operational risks, and services monitored.　
Ensure direct oversight and monitoring of credit bureau vendor and services utilized within the United States. 　
CB budget oversight, Business Consultation, Permissible Purpose, Invoice Management, control management

Assistant Manager Credit Cards Resume Examples & Samples

Meets established standards and time frames when responding to enquiries, concerns and complaints from customers - employing best-in-class complaint-management skills (situation assessment, problem-solving and decision-making) in combination with a thorough knowledge of the products, processes and services offered by Credit Cards - the incumbent must also be able to assess when to provide immediate, informative responses and when to collect information from other appropriate areas either within the department or within partner areas
Work with internal/external partners to address customer concerns and escalations from various channels as well as campaign and system related concerns. Partners may include, but are not limited to, product owners, travel partners, reward partners, insurance providers, private bankers, Customer Contact Centre, Branch Managers, Integrated Business Solutions, the Office of the President and other members of the credit cards team
Take responsibility for providing, knowledgeable and straightforward resolutions that are both customer-focused and reflect the long-term interests the department and the overall Bank
Approach each investigation as a chance to enhance customer retention by championing a customer-focused approach and identify opportunities to streamline escalations for quicker customer resolutions
Develop and maintain a detailed knowledge base and understanding of assigned products and services. Develop standardized response templates where appropriate
Identifies improvements in products, processes and services by
Using each customer concern as an opportunity to enhance the customer experience by reviewing our products, processes and services from the perspective of our customers, identifying opportunities for improvement and making specific recommendations to the appropriate group
Accurately classifying all complaints received to assist in the identification of trends and root causes that may be impacting client experience and pro-actively communicate these to Senior Management
Actively pursues effective and efficient operations of his/her respective areas, while ensuring the adequacy, adherence to and effectiveness of day-to-day business controls to meet obligations with respect to operational risk, regulatory compliance risk, AML/ATF risk and conduct risk, including but not limited to responsibilities under the Operational Risk Management Framework, Regulatory Compliance Risk Management Framework, AML/ATF Global Handbook and the Guidelines for Business Conduct
Champions a high performance environment and implements a people strategy that attracts, retains, develops and motivates their team by fostering an inclusive work environment; communicating vison/values/business strategy and managing succession and development planning for the team
Customer facing experience preferred (Retail Branch or Customer Contact Centre are ideal)

Credit & Returns Manager Resume Examples & Samples

Supervises Credits & Returns staff
Assures accurate and timely processing of dealer claims and related supplier credits per approved policies and procedures
Monitors claims activity and reports status, providing regular and ad hoc reports to a variety of internal and external customers
Identifies and communicates claims issues to department management, PDC managers, Sales, Marketing, and Accounting as necessary, recommending changes to approved policies and procedures when appropriate
Identifies and recommends opportunities to reduce expense, increase recovery, and improve customer service
Investigates and answers dealer inquiries and appeals in a professional and timely manner
Assists with budgeting and other managerial functions
A college degree in Business Administration or related field
Two years of experience as a manager or supervisor preferred
Exceptional interpersonal and customer service skills
Advanced PC skills in Excel, Access and PowerPoint
Excellent organizational and communication skills as well as ability to multi-task
Six Sigma Training preferred
Strong presentation and project management skills
Ability to communicate in Spanish, Portuguese or French is a plus

Manager, Credit Resume Examples & Samples

Manage the accounts receivables for pharmaceutical business unit; expected to drive results in reducing risk exposure and days sales outstanding
Responsible for reviewing aging weekly, along with potential bad debt for wholesale accounts; monitoring and reporting trends and areas of risk to business owners and management
Work with customers to review accounts in detail along with AR team on a regular basis to ensure accuracy in the account, identify issues and risks, and ensure there are no gaps in communication or processes
Work with counterparts within Trade, Contracts and Rebates, Returns and Finance to work through issues, seek resolution to AR related matters for wholesale customers and ensure that there are no gaps in processes
Responsible for reviewing and approving requests for credit lines for new and existing customers, along with verifying necessary support related to credit line changes for SOX requirements
Review the weekly cash forecast to drive collections for wholesale business and communicate between team and Finance areas of risk
Review and prepare month-end reports to upper management; aging trends, status on top accounts, open deductions and be able to speak to the month to month aging variances to management
Reconcile AR Subledger to General Ledger on a monthly basis- investigate and resolve open issues
Hire and train new staff, task team with weekly objectives, regular staff meetings, performance reviews, and team development for pharma business unit
Responsible for ensuring department Standard Operating Procedures are in place for all major processes and that the team is well trained/knowledgeable in these areas, and safeguard against SOX deficiencies
Assist in the coordination of the quarterly revenue test for revenue recognition for pharmaceutical business
Assist in the transition of acquired or divested receivables and businesses into and out of respective business unit
10+ years of experience in Credit
Strong communication skills especially with team building
Able to work in fast-paced environment and can juggle multiple tasks
Experience in a SOX environment
Strong excel and analysis/reporting skills
College degree in business, accounting, or finance preferred
Pharmaceutical experience a must

Credit Bureau Disputes Manager Resume Examples & Samples

Responsible for ongoing oversight of Credit Bureau Dispute Processing across the institution and for supporting development, implementation, and enhancements of a comprehensive Credit Bureau Management aspect of the Default Credit Risk Management Program that meets regulatory and industry expectations
Researches and responds to questions from the business line partners, and provides guidance relative to Credit Bureau Dispute Processing
Participates in industry round tables and senior level seminars to ensure up to date subject matter expertise relative to industry best practices
Provides support for ongoing risk assessments for products and services across multiple business lines
Works with compliance to research and analyzes new ad proposed laws and regulations to identify potential policy, procedure and system changes
Partner with business lines and compliance for the implementation of regulatory rule change initiatives
Works with business risk and business product management to establish and maintain a solid control, governance, and risk assessment framework
Works closely with other key functions such as legal, compliance, TOS, and audit functions to ensure coverage is comprehensive and consistent and that issues are appropriately addressed on a timely basis
Identify and investigate activity that can be indicative of regulatory problems; communicate and escalate as necessary, including recommending feasible solutions to address issues
Assist with the content, implementation and delivery of industry training related to Credit Bureau Dispute Processing
Regularly reviews regulatory and industry issues through reading and researching applicable publications, news service articles, and external training
Leads project teams as needed to implement corrective action or resolve gaps from established procedures or to implement new procedures
Maintains a cohesive and collaborative environment, sharing ideas and assisting peers. The result of which will be a high performance, goal oriented, team environment
Exercise sound judgment and ensure integrity of confidential information
Deals with change and handles stressful situations with a professionally
Keeps senior and executive management fully informed of negative issue findings and trends or systemic issues identified through monitoring, testing and other oversight activities
Ten or more years of experience in an applicable risk management environment
Must have a Bachelor's degree or equivalent experience
Required 6-10 years of experience in a financial institution, regulatory agency, or a financial services consulting company
Excellent analytic and problem solving skills
Extensive knowledge relative to Credit Bureau reporting and credit bureau usage
Knowledge of relevant industry regulatory environment to include FCRA, FACT Act, Dodd Frank, and OCC and CFPB actions
A comprehensive understanding of financial institutions, or general payments compliance regulations and products is desirable
The ability to communicate well with all levels of management and external parties is essential
Strong organizational and project management skills, including prioritization, multitasking, attention to detail and working with deadlines
Must be proactive in identifying potential concerns and following-up to resolve such issues
Strong documentation and reporting skills are required
Must demonstrate the ability to facilitate meetings and train personnel on key industry and regulatory issues
Proficient with Microsoft Office products

Assistant Manager, Credit Management Resume Examples & Samples

Excellent knowledge of finance and accounting
Strong knowledge of inter-company recharge principles and rules
Strong knowledge of End Market business

Manager, Credit Policy Resume Examples & Samples

Review in detail all changes from GSEs, investors, MI companies and Homeward (Ocwen’s Forward Lending Channel) and make recommendations to various governing bodies within Ocwen/Homeward for implementing such changes
Constant review of existing guidelines and parameters to verify that Homeward is meeting all requirements of agencies and investors, while remaining competitive within the industry
Represent Credit Policy with agencies, investors, Operations/Underwriting, sales staff, etc
Oversight of exceptions being made within Homeward; investigating reasons for exceptions, verifying the decisions being made and managing inappropriate decisions and monitoring any needs for changes to the Homeward guidelines as a result
Agency and investor interaction for contract and variances
Ownership of all communication related to all Sellers’ and Lenders’ Guides
Analyze performance of loans to determine if guidelines/products require changes or revisions to ensure loan quality
Bachelor’s degree required, preferably in a business or finance related field of study
10 years of mortgage experience, with expanded knowledge of guidelines for Fannie Mae, Freddie Mac, FHA and VA
5 years of experience managing teams
Extensive knowledge of FHA and VA Guidelines
Ability to make credit decisions independently
Reporting and an understanding of SharePoint, SalesForce, DU, LPA, TOTAL Score card, MS Office is a plus
Self-motivated individual, with ability to make decisions and work independently

Credit & Colletctions Senior Manager Greater China Resume Examples & Samples

WORKING RELATIONSHIPS
1) Line Manager: Global Head, Credit & Collection
2) Subordinates: Credit Control Manager / Officers, AR supervisor; 12
3) Job holder needs to collaborate with: F&A Business Partner, Sales department; Customer care, SCM, Corp treasury, internal and external auditors
4、PRINCIPAL ACCOUNTABILITIES
1) Leading teams within AccOps Hub to deploy global strategy, thereby driving management communications and alignment, and managing senior local stakeholders (local heads of finance and/or finance business partners)
2) Manage the structure in terms of financial and operational performance, compliance as well as problem resolution through root cause analysis and escalation process and involvement in dispute councils
3) Coordinate performance to KPI’s, process and improvement activities with back office partners
4) Coordinate performance to KPI’s, process and improvement activities with back office partners
5) Own all resourcing processes, including staffing, effective succession planning, performance management, capability building, engagement
6) Initiates, drives and supports process improvements by innovation and harmonization in order to increase efficiency and reduce costs. Leads improvement projects; cross sector, cross country
7) Initiates, drives and supports process improvements by innovation and harmonization in order to increase efficiency and reduce costs. Leads improvement projects; cross sector, cross country
8) As a member of the global Process Specialist Group also (co)designs processes including the outsourced part
9) Reviews and improves the performance of the execution of the outsourced processes
10) Coordinates the preparation of accurate and timely management reporting for internal customers, including concrete advices/proposals how to improve
5、MAJOR CHALLENGES
1) Understand business
2) Relationship management with internal and external customers
3) Conflict management to ensure company interest
4) Motivate Team
5) Retain knowledge
6) Work under pressure
6、JOB REQUIREMENTS
1) 10 years of relevant experience with 5+ years’ managerial experience in finance, preferably controlling or accounting in multinational companies
2) Proven strength in running AR & credit management functions, setting up principles and processes, preferred to be in MNCs
3) Master level capabilities required in Process improvement and Project & Change management
4) Advanced level capabilities required in Managing controls and Analytics & systems, Financial Accounting & Reporting and competencies in Influencing business decisions
5) Excellent communication skills, with the ability to liaise with a variety of stakeholders
6) Strong negotiation and relationship building skills, excellent conflict management skills
7) Sound people management experience
8) Experience with lean practices and metrics
9) Bachelor degree or above in Accounting / Finance discipline
10) Good command of English, both oral and written
11) Knowledge of ERP systems (e.g. SAP) is a plus

Manager AA Credit Union Payments Servicing Resume Examples & Samples

Works with the Payments department leadership team to achieve strategic objectives, support analysis and project implementations
Handles member escalations effectively with empathy and a sense of urgency
Oversees call center functions related to credit and debit card payment functions, secured messaging for card related inquiries (travel notifications, etc.), credit and debit card fraud queue management and compliance with Regulation E
Ensures internal processes and third-party business partner engagement is optimal and efficient to ensure the highest level of quality service is provided to every member who engages the Payments department through these channels
Identifies process improvement opportunities that improve the member experience and also provide department efficiencies
Works with third-party business partners to ensure the payment servicing experience expectations are achieved
Coordinates appropriate on-call emergency hotline coverage across the entire Payments & Digital Services department to ensure adequate support of the credit union’s CARE credit card platform
Must pass applicable American Airlines pre-hire compliance checks
Must have an acceptable credit history, which will be verified (e.g., no past due accounts, charge-offs, collection items or bankruptcies)
The selected candidate will be responsible for ensuring the security and confidentiality of all account and related information which is part of their work and for ensuring that his/her work is in compliance with all applicable laws and regulations including, but not limited to, the Bank Secrecy Act
College degree in Business Administration, Marketing, Sales, Management or a related field
Minimum of three years of work experience relevant to the nature of the described job duties; a Bachelors’ degree may be considered in lieu of two years of work experience
Experience in call center and/or payments industry, with credit, debit or both card types
Skilled in Microsoft Office software (e.g., Word, Excel, Access, PowerPoint) gained through either work experience with the software or education and hands-on use of the software
Skilled in Symitar software and other Jack Henry software suites
Knowledge of AACU systems, policies and procedures is highly desirable
Ability to understand AACU’s culture, vision and mission and be able to integrate them into departmental standards
Ability to demonstrate superior people management and employee engagement skills, to include directing, coaching, counseling and motivating staff
Ability to lead management, non-management and contract personnel and appropriately execute budgetary responsibilities within span of control
Ability to recommend and implement strategic initiatives within the organization
Ability to demonstrate excellent oral and written communications skills & exercise effective interpersonal skills
Ability to demonstrate strong time management, project management and negotiation skills, with the ability to manage multiple projects and tasks that may involve competing priorities
Ability to demonstrate superior research, analysis and business writing and reporting skills
Ability to apply knowledge and experience to long term tactical projects within and outside core work group
Ability to collaborate successfully with people of varying backgrounds and levels and securing inter-and intra-departmental cooperation and buy-in
Ability to demonstrate strong analytical and decision making skills
Ability to work varying schedules, including evenings and weekends and rotating on-call functions to support the Credit Union CARE credit card platform
Ability to travel overnight as required
Ability to maintain satisfactory performance and attendance

Credit Assessment Team Manager Resume Examples & Samples

Knowledge and Application of Procedures and Policies and experience in Home Lending products and processes is the plus
Demonstrated experience and success in identifying and implementing constructive changes to increase productivity, reduce cost and improve services
Excellent English oral and written communication skills
Home country returnees are encouraged to apply

Assistant Manager Credit Services Resume Examples & Samples

May provide back up to select responsibilities for Senior Manager or Manager of regional team
May provide back up or primary responsibilities for Business Continuity Plan coordination or as Department BIRO Representative which includes coordination of updates to CMB Credit Services from CMB BIRO and coordination of required implementations, certifications, clear desk reviews, etc
Minimum of 4 to 5 years banking experience preferably with commercial credit services, knowledge of Canadian Banking practices
Well-developed communications skills (oral, written, listening)
Sound knowledge of the HSBC policy and procedures applicable to commercial credit – loan/collateral and related activities. Familiar with the Bank’s complete range of commercial credit products and services

Credit & Imaging Systems, IT Team Manager Resume Examples & Samples

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Experience with financial services or accounting systems
Experience with document management/imaging, specifically OnBase and Kofax
Experience with credit lending, specifically mortgage, retail or business/commercial loan origination and underwriting

Credit Execution Manager Resume Examples & Samples

Good knowledge of the retail or wholesale credit business and products
Strong programming skills including SAS, SQL, VBA or other languages such as C++ and familiarity with numerical analysis
A solid academic background in a quantitative, technical or economic field, preferably with a PhD or other postgraduate qualifications
An understanding of relevant capital requirements regulation (Basel II/III) and impairment assessment approaches (IAS39/IFRS9)

Standby Letter of Credit Group Manager Resume Examples & Samples

Bachelor degree required, preferably in Finance, Accounting or Economics or related experience within Securities Operations
Minimum of 5 years in Trade Finance Operations management, preferably within JPMorgan
Motivated, high energy individual, who works well under pressure
Ability to work in a fast paced deadline driven environment
Good communication skills required
Strong PC skills (Excel, Word, Access, PowerPoint, Internet)
Good interpersonal skills

Senior Manager, Credit Resume Examples & Samples

7-9 years financial services experience within functions of risk management, banking and/or business lending, including experience leading people & managing teams
Demonstrated acumen in team building, leadership, coaching, mentoring, communication and planning skills
Prior experience with financial statement analysis and accounting software programs
A highly motivated team player who values the attributes of integrity, respect, accountability, common-sense and caring
A passionate leader who can effectively motivate a team and be a role model for team performance, employee engagement and career progression
Strong skills to ensure credit structures are within CWB’s thresholds for risk
Proven ability to provide effective leadership and coaching to teams responsible for credit adjudication, underwriting, and administration of loan and lease portfolios
Very strong influencing and collaboration skills with the ability to work across business units and corporate office departments
Excellent interpersonal and organizational skills
Ability to maintain a high level of confidentiality
Background and knowledge in equipment financing and leasing
General knowledge of collateral security and leasing documentation requirements
Strong computer and business modeling skills. A good working knowledge of Temenos/T24 and WAVE is an asset
Accountable for leadership of various first-line risk management functions, including loan management, data integrity, portfolio quality, exposure limits and security requirements
Facilitate support and allocate team resources to increase capacity, optimize operational efficiency and effect timely completion of credit applications and approvals within CWB’s established lending policies, procedures and guidelines
Promote cooperation and commitment toward common goals within EFG and other CWB Group teams
Manage team activities and monitor performance to facilitate the achievement of EFG objectives and targets
Deliver responsive, timely and accurate processing of credit applications and reviews, including recommendations for approvals, restructurings or declines
Approve credit applications (new, renewal and/or reportable) within a delegated credit limit, as may be applicable
Recommend appropriate credit structures and assist with completion and oversight of complex credit applications and reviews
Discuss terms and conditions of credit applications and related matters with branch teams and Credit Risk Management, as required
Assist with management of high risk and/or watch accounts to help identify and mitigate potential impacts of negative performance trends
Oversee loan administration functions, including accountability for data integrity and consistent process workflows
Support EFG Unit Managers and CWB Branch Managers with requirements to maintain satisfactory internal audit reports
Build strong internal and external relationships focused on responsive, high quality client service
Exercise discretion and maintain confidentiality of all customer information in accordance with internal policies and procedures, and federal rules and regulations
Manage the Branch’s (EFG only) Loan Expiry report to ensure annual reviews are being completed within prescribed time frames
Ensure required reports and financial data are received and analyzed promptly in accordance with loan commitments
Complete regular performance reviews for all members of support teams through engaged leadership and maintenance of close working relationships with EFG branch-based business development and portfolio management teams
Promote strong employee engagement and effective performance management through ongoing training, coaching and mentoring of team members, including preparation and delivery of regular objective setting, performance appraisals and career development plans
Attract, hire and retain high quality personnel to meet the ongoing and future needs of the EFG branch and regional support teams
Work effectively and collaboratively within a dynamic team environment with concerted focus on positivity, professionalism and productivity

Senior Credit Solutions Manager Resume Examples & Samples

Advanced credit skills and significant credit experience
Exceptional risk assessment and analysis skills, including Moody’s Financial Analysis
Outstanding deal structuring skills
Excellent coaching & leadership skills
Advanced ability to articulate strategies, build solid business cases, rational and justification for deal
Strong negotiation and problem resolution skills
Strong communication skills (oral and written)
Excellent teamwork & interpersonal skills
Strong knowledge of the Canadian Commercial Banking marketplace
In depth knowledge of the Bank’s lending policies, practices & procedures
5 years of commercial banking experience

Manager / Senior Manager, Credit Resume Examples & Samples

Provide oversight of RMG Credit's troubled asset process working closely with Credit colleagues globally, Business groups and Macquarie's Financial Management Group
Analyse, recommend and implement changes to policy and processes in relation to key areas of responsibility
Analyse Macquarie's troubled asset portfolio to determine lessons learned, presenting findings to relevant stakeholders and Senior Management
Liaise with relevant internal stakeholders, especially in relation to prudential standards and financial accounting policies
Ensure compliance with Group policies and relevant financial accounting and prudential standards
Act as key focal point on questions and queries on Credit's troubled asset framework
Assist in the management of reporting and analytics, reporting to key stakeholders including Macquarie's Board Risk Committee and Senior Management
Assist in transition to and management of IFRS 9 accounting requirements

Emeai Credit Manager Resume Examples & Samples

Achieves past due goals, DSO & Working Capital targets, and improved cash flow through proactive management of customer receivable balances and cash application
Ability to work jointly with the Business & Finance teams to establish financial targets and set strategic vision and objectives so ACC team is clearly aligned with the Business targets
Identify working capital opportunities
Communicates financial results and progress of goals and strategies to the Business
Champions and leads Customer-to-Cash (C2C) efforts to streamline existing work flow processes
Drives initiatives within the organization to eliminate manual processes and effectively measure and monitor past due reduction performance
Mentors and manages the ACC personnel insuring goals are set, performance metrics are in place, and team is motivated
Bachelor's degree in Accounting, Finance or other Business related field
8+ yrs work related experience in a large business environment w/ strong business, customer service, & financial functional knowledge
Strong managerial and organizational development skill set
Ability to work productively through development of strong business relationships to drive organizational alignment, even in the face of ambiguity & challenging situations
Demonstrated ability to effectively work as a leader & team member across multiple levels of the organization by establishing clear priorities and strategies
Ability to create an environment that drives change and challenges the status quo
Flexible, adaptable, and resilient in the face of change, as well as resourceful during periods of high workload demand & through difficult situations & with all types of individuals
Skilled at maintaining composure and creating a feeling of energy, excitement, and personal investment that inspires others to excel
Ability to evaluate the risks and potential tradeoffs to execute timely decisions

SSC Franklin Credit / Overpayment Manager Resume Examples & Samples

Supervises assigned staff and manages workload and performance
Analyzes and monitors revenue cycle and credit balance metrics focusing on cash and transaction posting accuracy and timeliness metrics
Identify, resolve and report issues impacting performance objectives
Responsible for Credit Daily Transaction By Payor processes in addition to CMS 838 Reporting, PFS Corporate Monthly Government Overpayment and Medicare Credit Balance Report Log
Responsible for the timely reporting and resolution of overpayments by government payors
Responsible for accurate and timely application of transactions to correct inaccurate patient account balances
Review and work all posting status and exception reports daily, weekly and monthly
Responsible for oversight of technology and development of new programming and edit requests to improve credit processes and performance
Lead the development and maintenance of the credit daily transaction by payor process-specific, competency -based education programs along with the SSC Training/QA team
Complete ongoing Quality Assurance (QA) to identify and define training needs, operational improvements, or policy/process updates
Work to improve current operations by identifying inefficiencies, recurring issues, and by making suggestions to the Director
Tracks and communicates posting delays and issues for management resolution
Knowledge of hospital revenue cycle processes from scheduling through agency placement and final account dispositi
Possess strong analytical skills
Highly developed written and verbal communication skills
Must be able to work independently in a manner to achieve goals, objectives and productivity requirements
Intermediate level knowledge of Microsoft Office Tools
Knowledge of hospital patient accounting systems and billing systems
Artiva and Highland Onbase experience preferred
High School Graduate

Portfolio Manager, Counterparty Credit Resume Examples & Samples

Conduct annual analysis of Counterparty and Treasury investment credit risks. Primary portfolio management responsibilities include the review of banks (for corporate notes, mortgage trading lines, Commercial line of business requests and Treasury lines); insurance companies (including credit insurers, private mortgage insurers and life insurers) and exchanges. Additional reviews could include, but are not limited to, GSEs, mortgage correspondents, bond insurers
Prepare Credit Approval Documents for new activity/business credit requests
Continuously monitor the portfolio by providing ongoing surveillance of exposures in the portfolio and providing updates to the Chief Credit Risk Officer, Chief Risk Officer and Treasury as necessary
Assist Treasury Senior Credit Executive with quarterly reporting
Technically proficient with MS Excel, PowerPoint and Word
Ability to learn position required software (SNL)
Critical thinking skills and intellectual curiosity
Excellent analytical, organization, communication, leadership and project management skills
Ability to multi task and prioritize while working in a fast paced environment
Ability to work with associates at various levels and provide guidance to senior business leaders within the organization
LI-JW1

Assistant Manager, Credit Cards Resume Examples & Samples

Champions a customer focused culture to deepen client relationships and leverage broader Bank relationships, systems and knowledge
Contributes to customer satisfaction and retention through the effective management of escalated customer concerns
Bachelor Degree (or equivalent experience) Preferred
Experience within Credit Cards would be beneficial but is not required
Sound knowledge and experience with Microsoft PowerPoint and Excel
Strong Relationship Management skills and well developed relationship building skills

Credit & Debt-category Manager Resume Examples & Samples

Manage the sourcing strategy development, requirements gathering, request for proposal, supplier selection, and contract negotiation components of the sourcing process for sourcing engagements as directed by the business partners
Prepare category profile information (spend and opportunity assessment data, current ordering processes, product changes, value analysis, current supplier performance, etc.)
Lead contract negotiations; develop draft contracts and administer existing contractual relationships for compliance
Work with minimal supervision to pro-actively reduce Direct Energy’s expenditures and to achieve or exceed targeted cost reductions for assigned commodities
Maintain up-to-date knowledge of relevant markets, commodities and supplier innovations to ensure delivery of best practices and value for money spent
Build and maintain excellent working relationships at the Manager/Director level within assigned client groups and management to ensure linkage with business strategies and understand the resulting impact on expenditures
Participate in Procurement projects that support the deployment of automated procurement systems, tools and process improvements
Communicate pertinent information to Category Lead in a timely and professional manner
Organizational Dimensions/Scope

Manager, Credit Resume Examples & Samples

A minimum Five years or related experience in credit and collections
Superior spreadsheets skills and a good knowledge of Microsoft Excel
Knowledge of ERP software is a plus
Excellent written and verbal communication skills are a must
Knowledge and understanding of D&B reporting is required
Managerial skills and experience are a must
Assure timely collection of monies due to corporation
Monitor and report on deviations from credit standards
Assure timely and accurate invoicing
Required to ensure the balancing of A/R to the G/L on a regular basis
Manage cash application making sure all cash receipts are applied properly
Assure that the companies standard template regarding invoice sample is in place for every customer
Conduct credit checks on all customer, establish and manage limits
Make recommendations to improve quality of invoicing and collection procedures
Weekly reporting of invoicing totals/aging totals/cash receipts/invoice adjustments
Bankruptcy filings
Collection placement
Sales delegations
Balancing A/R
Monthly reporting of area performance
Key account collections and sales review (L/C—payment terms)
System process and review, Key account risk/financial review , Special Projects as assigned
Credit Manager will be required to manage a staff of 5 to 7
COMPARING - Judging the readily observable functional, structural, or compositional characteristics (whether similar to or divergent from obvious standards) of data, people, or things
COPYING - Transcribing, entering, or posting data
COMPUTING - Performing arithmetic operations and reporting on and/or carrying out a prescribed action in relation to them
COMPILING - Gathering, collating, or classifying information about data, people, or things. Reporting and/or carrying out a prescribed action in relation to the evaluation is frequently involved
ANALYZING - Examining and evaluating data. Presenting alternative actions in relation to the evaluation is frequently involved
COORDINATING - Determining time, place, and sequence of operations or action to be taken on the basis of analysis of data. May include prioritizing multiple responsibilities and/or accomplishing them simultaneously
SYNTHESIZING - To combine or integrate data to discover facts and/or develop knowledge or creative concepts and/or interpretations

Manager, Credit TRX Resume Examples & Samples

Establishes and updates customers' credit activities with company executive management staff and sales management personnel
Oversees CSTOP processing and ensures that guidelines are consistently enforced by Credit associates for delinquent accounts, and monitors daily cut-off for credit issues
Monitor accounts with payment plans and ensure that work out programs and promissory notes are in compliance with Corporate Credit, Operations Review, and Sarbanes-Oxley compliance
Makes UCC-1 filing decisions on customers who meet necessary criteria
Ensures DSO and BPDSO are concurrent with Sysco Corporate requirements. Follows corporate audit controls to ensure operating company credit activities are compliant with Sysco Corporate financial requirements including participating in Credit Audits, Operations Review Audits, and Sarbanes-Oxley Audits
Responsible for recruiting and training credit associates
Credit committee leader
Increase cash flow (i.e. decrease accounts receivable DSO, increase percent current)
At least 5 years credit management and supervisory experience
Ability to read, analyze and interpret general business periodicals, professional journals, technical procedures, or governmental regulations
Ability to effectively present information and respond to questions from groups of directors, clients, customers and the general public
Must be able to read, write and speak English

Group Assistant Credit Manager Resume Examples & Samples

You perform financial and business analysis of internal credit limit requests
You prepare recommendations and facilitate the approval process
You advise group members on the terms of the group credit insurance contract
You participate to the operational credit management (credit meetings, challenge credit limit decisions, negotiate on payment plans)
You prepare the bad debt reporting
You assist in explaining and reviewing the Umicore Credit Management Policy throughout the Group worldwide
You review incoming letters of credit from customers from the Benelux activities of Umicore, handle guarantee requests and requests for opening letter of credit by suppliers

Senior Credit Solutions Manager IBF & NAS Resume Examples & Samples

Contributes to the profitable development of IBF and NAS portfolios
Ensuring the timely analysis, structuring and presentation of credit proposals
Provide direct management, coaching and counselling to the Manager and CSAs
Superior risk assessment and analysis skills, including Moody’s Risk Analysis
Ability to articulate strategies, build solid business cases, rational and justification for deals
Good negotiation and problem resolution skills
Good communication skills (oral & written)

Credit TRX Manager Resume Examples & Samples

Assigns responsibility for investigating and verifying financial status of prospective customers applying for credit; prepares documents to substantiate findings; and recommends rejection or approval of applications
Establishes credit limitations on customer accounts and handles special credit arrangements and deviations from standard terms of payment
Assigns responsibility for investigation of fraud cases and possible legal action and collection of insufficiently funded checks and delinquent bills. Submits delinquent accounts to attorney or outside agency for collection
Audits delinquent accounts considered to be uncollectible to ensure maximum efforts have been taken before assigning bad debt status
Reviews publications for bulk transfers and bankrupt accounts. Files claims in pending escrows while directly communicating the information to the Marketing Associate
Participates in the performance management and development of credit associates
Bachelor’s degree in Business Administration, Statistics, Economics, or related quantitative background preferred
Ability to write reports, business correspondence and procedure manuals
Ability to calculate figures and amounts such as discounts, interest, commissions and percentages
Strong PC skills: Excel, Word, Power Point and Relational Database concept

Manager, Credit Services Resume Examples & Samples

Identify and evaluate new financial programs, promotions, products and services that support the needs of current or future customers, or that support new strategic initiatives or acquisitions. Manage or oversee their design, development and implementation based on projected profitability
Work with Finance to set departmental and program budgets. Manage expenditures within approved department and program budgets
Ability to leverage data and analysis to craft a well-thought story utilizing Power Point
Able to think strategically about business problems and opportunities and to focus efforts on projects that most closely support key company initiatives

Credit Senior Manager Resume Examples & Samples

Responsible for directing, planning, designing, implementing, maintaining and administration of the AUS FSS credit program in order to meet organizational objectives and competitive position in the market place
Develop and create meaningful reporting for senior level management
Daily interaction with AUS Market Center leadership to develop relationships in order to better understand who our customers are and how to support their business needs
Maintain and create quality measures, departmental standards and service level agreements
Develop, implement & promote staff education opportunities that offer professional development and skill enhancement
Responsible for the implementation of process improvement and enhancement to the credit tasks and workflow
Manage relations with assigned Third Party Collection agencies
Recommend changes in the credit policy to senior management
Analyze delinquent accounts and prepare report on highest risk accounts
Develop and maintain full understanding of all aspects of our credit systems. This will include set up, in-depth knowledge of all available input fields and the impact of those fields on various core applications, reports and forms
Evaluate associate performance and recommend annual merit compensation
Perform other duties as required or assigned which are reasonable within the scope of the activities enumerated above
High level of organizational skills and integrity
Displays sound business acumen and integrated thinking
Excellent interpersonal skills and ability to communicate with all levels of management and customers (Internal/External)
Experience with large transactional sets
Strong affinity for process development and workflow management
Shared service environment experience
The ability to prioritize workload and meet tight deadlines
Analysis and management of high volumes of data
Independent decision making
Must be detail oriented with a high degree of accuracy
Ability to deal with customers in a friendly, courteous, timely and thorough manner
Proficient in Microsoft Office Suite (Word and Excel)
Proficient in use of Oracle (preferred)
Understands purpose of legal documentation and terms and conditions of the sales and installation contracts of company’s products
10+ years’ experience in Accounting or Finance
10+ years’ experience in leadership and management functions
10+ years credit knowledge
5+ years in a credit management function
Experience with functional commercial collections
123Indeed321

Manager, Regional Credit Resume Examples & Samples

College degree, Major in Laws, Accounting, Financing, Business Administration or Economy
Sales channel management experience or credit control experience preferred
Good team player, proactive and good communication in external and internal
Capable of frequently business trip

Manager Criminal & Credit Background Investigations Resume Examples & Samples

May lead functional teams or projects. Demonstrated process improvement expertise a plus
Works on highly complex in area of specialty. Highly skilled with extensive proficiency in area of specialty. Assignments are quite varied and highly complex with few standard procedures
Excellent written and verbal communication, presentation, and interpersonal skills

Collections / Credit Manager Resume Examples & Samples

Minimum of 5 – 7 Year Experience in Credit & Collection
Strong Computer Skills – Microsoft Office Experience Required
Vast Understanding of Credit Reporting Systems (Dun & Bradstreet/Equifax)
Excellent Written and Verbal Communications
Able to Work Independently in a Challenging Environment

100

Senior Credit Solutions Manager Resume Examples & Samples

Responsible for the completion of all Private Banking customized/Commercial credit solution activities in the assigned territory/Centre by
Performing proper due diligence in evaluating information to ensure the critical. personal/business elements and fundamental risks are identified and material facts are verified
Providing prompt and sound recommendations in the analysis and presentation of credit proposals
Recommending loan pricing and credit-related fees which yield a return commensurate with risk and due regard to profit, administration and competitive considerations
Recommending terms, conditions and covenants to provide a viable banking proposal to the client within sound credit lending practices
Ensuring effective communication with the International Private Bankers to clearly convey the rationale for decisions, so that they may respond effectively to client
Providing guidance and counsel to International Private Bankers, so that they may better serve clients' needs
Participating in calls and/or meetings with customers, proactively identifying credit and obtain relevant information to build an understanding of client's credit needs
Completing the Financial Analysis Worksheet (FAW) in an accurate and timely manner as required
Proactively identifying lending and cross-sell opportunities in the existing portfolio during the credit application or annual review processes and referring them to the International Private Banker and Director Credit Solutions
Managing the ongoing quality of the credit portfolio including the Annual Review process by
Ensuring adherence to authorized conditions and reporting requirements
Performing detailed evaluation of all information received and reporting deficiencies or any negative findings to senior management
Conducting annual reviews of IPB loans and services in an accurate and timely manner
Ensuring Investments portfolios and retail collateral is property completed, executed and lodged in accordance with standard Bank policies and procedures, including timely IG code reassessment and exiting relationships as appropriate
Proactively recognizing problem accounts at an early stage and taking appropriate action to protect the Bank's interests including identifying negative trends
Assisting with client restructuring including obtaining additional security or realizing on collateral
Adhering to any regulatory and internal Bank policies including compliance requirements, such as Reputational and Suitability Risk
Preparing/completing spreads of annual financial reporting as necessary in the FAW
Ensuring client files are complete and up to date in monitoring system(s), and that all relevant correspondence and authorizations related to the Annual Review process are properly stored
Ensuring fees, pricing, IG and authorized limited changes are correctly processed/resolving as required and systems updated as required to reflect the information outlined in the Credit Authorization
Ensuring adherence to the Bank's Anti-Money Laundering program, Know Your Customer requirements and Guidelines for Business Conduct, by reporting any unusual occurrences or fraudulent activities per established procedures
Promptly following up for acceptance of client offers/documentation and address any problems, amendments, extensions, reporting to senior management where necessary
Providing prompt responses to client or senior management requests and inquiries, problem solving for clients and assisting them with navigating different areas of the Bank
Maintaining knowledge of and relationships with specialized areas of the Bank which may be of benefit
Contribute to the effective functioning of the Credit Solutions & Centre team by
5-10 years of Commercial credit experience (credit risk analysis, credit solutions, GRM)
Good understanding of the Bank's lending policies, practices and procedures, as well as an awareness of business trends economic, technological, social, legal and political conditions and factors which could affect the viability of a credit
Good knowledge and understanding of financial statement analysis, accounting principles and a solid understanding of capital markets instruments
Fluent in Spanish or Portuguese is highly desired
Strong understanding of the administration of credit, loan documentation and security provision requirements,
Strong credit skills, significant credit experience, risk assessment, analysis skills and deal structuring skills
Highly organized, with the ability to manage time effectively
Ability to build solid business case justification for deal
Strong interpersonal and teamwork skills
Strong PC skills are required
The incumbent must have a good knowledge of the of the broad Wealth Management offering, including the services of Scotiatrust, ScotiaMcLeod, and should have familiarity with the Bank's International Private Wealth offering

101

Manager, Credit Resume Examples & Samples

Maintains responsibility for applying the company’s credit policies, practices and procedures to the credit requirements of a designated number of customer accounts within specified dollar limits or normal credit lines
Extends credit to customers in accordance with established company policy and terms
Analyzes requests for credit in order to ascertain what information and security will be required to arrive at a sound decision
Assigns subordinates to investigate and/or obtain data on present and prospective customers
Reviews customer files and reports, analyse financial statements and supplementary information, and make any further investigation and contacts required, evaluate the credit risks, and approve or reject accounts. Also establishes credit lines for individual accounts and makes all credit arrangements
Personally handles credit issues beyond subordinates’ authority, major accounts requiring individual attention, marginal accounts, problem accounts, special credit arrangements and deviations from standards
Handles non-routine credit inquires and correspondence
Provide quarterly credit report to credit association group
Provide information to allow Accounts Receivable Coordinators to apply cash
Reconcile the digital accounts in SAP to the Digital Finance monthly reports in excel
Review and approve customer orders in the order system based on the credit line and payment status
Review and approve manual credit/debit adjustments to the customer account
Complete transaction forms to transfer items from one general ledger to another
Communicate with Freight Companies regarding Claim Filing
Review and approve hourly time in PeopleSoft
Quantitative financial skills
Detail –Oriented
Ability to work successfully within time constraints and deadlines
Thorough knowledge and understanding of UMG's policies, procedures, and corporate objectives
Minimum 5 years of credit/collection experience, Minimum 2-3 years of credit management experience

102

Consumer Lending Consumer Credit Team Manager Resume Examples & Samples

Bachelors Degree or equivalent experience; previous supervisory experience. Banking and CMSI and FISERVE experience preferred
Ability to manage a team and multiple tasks effectively under pressure
Ability to manage confidential team member and customer information
Excellent interpersonal and commnication skills
Excellent probem solving and analytical skills
Must be dependable, well organized and motivated

103

Manager, Credit & Collection Resume Examples & Samples

First point of contact for customers on the phone and in the store. Responsible for engaging customers, scheduling appointments, building trust, understanding needs, communicating processes and timelines, and selling parts and service that make the customer's car run at peak efficiency; adheres to Company Customer Care standards to meet customer expectations
Responsible for the organization and productivity of the service business through work order and register transactions, thorough vehicle inspections, and service and replacement part knowledge
Under the direction of Management, assists in various aspects of customer care, work order and register assistance, facility maintenance, and Outside Purchase (OP) ordering
Follow all policies and procedures related to cash, credit, check, refund and return policies. Works with the management team to react to customer service issues, customer complaints, and/or business opportunities
Conduct and participate in routine express automotive services, including tire mounting, balancing, rotations, and repair; oil changes, fluid top-offs, lubrications, filter and bulb replacement; battery installation, starting and charging system testing; cosmetic car services, and thorough vehicle inspection
Primary driving force behind the implementation and constant execution of safety procedures, ensuring wheel torque and oil/fluid services are performed per standard operating procedure directives
Partner with Management to produce a safe and health work environment that complies with all local, state, and federal laws, as well as with company policies and procedures
Effectively communicate with all associates, management, and customers; interprets and retains information and applies knowledge appropriately
In designated locations, may be a secondary key carrier responsible for basic and detailed opening and closing responsibilities
One year of related experience in the automotive service environment
Ability to work Days, Nights, Weekends, Holidays

104

Consumer Credit Card Engagement Manager Resume Examples & Samples

Manage relationship with Distribution Team ensuring that Credit Card product is positioned, prioritized, and "sold" to achieve product revenue targets
Manage and maintain colleague scripting and training materials related to Credit Card
Ownership of the "Voice of the Customer and Colleague" ensuring that all feedback is reviewed, analyzed, and responded to in a timely manner. Understand trends identified through Customer/Colleague feedback and provide input and influence to Credit Card Product Manager for product updates
Partner with Distribution team on sales goals and incentive structure ensuring that sales targets are aggressive and incentives align with product goals
Provide input and influence over product design and new product development based on Customer and Colleague feedback
Partner with Digital and Online teams to ensure that product positioning, interaction, and availability aligns with the expectations of our Customers and supports the growth targets for the Credit Card product
5+ years of sales experience in financial services
Strong working knowledge of new customer acquisition and customer marketing, operations as well as P&L
Strategic thinker and planner with experience in product development, product management and operations in financial services or other relevant service sector industries
Knowledge and skill to lead growth and take the Everyday Banking product portfolio to the next level
Expert builder and manager of internal and external relationships
Clear and articulate communicator with strong personal presence who establishes credibility with audiences inside and outside the bank
Sales experience within Retail bank environment
Credit Card experience
5+ years of experience in managing and developing new banking products and features to drive continued product growth and profitability
Excellent capabilities in developing and executing strategies for leading consumer and small business banking products and services; strong ‘end-to-end’ product development and product management processes and disciplines
Track record of successful development and implementation of product enhancements and operations capabilities across a broad portfolio of products and services
Experience in vendor relationship management, contract and SLA negotiations and management

105

Credit Practices Manager Resume Examples & Samples

Build and support a full training, operating rhythm and feedback rigor for the Credit Operations Group with a focus on the development of Credit Professionals and Portfolio Managers
Responsible for owning and managing the Deal Flow Process for Upper Business Banking Deals
Improve and support the deal flow process by encouraging Market Managers to present deals, ensure consistent process between MM, RCM & 2nd Line of Defense, manage communications between parties and provide follow-up as required; provide visibility of deals and process to Chief Credit Operations Officer
Share best practices with business line
Lead all processes around exam and issue preparation and remediation to ensure compliance with all regulatory and compliance risk reviews
Coordinate with CCOO and BB Sr. Risk Manager to prepare timely responses to IRAs
Manage all 1st line of defense Quality Control functions in coordination with 2nd and 3rd lines of defense
Ensure that feedback is shared with Credit Professionals and Portfolio Managers
Manage and coordinate reporting, ensuring that observations from prior reports are incorporated and addressed consistently across Credit Operations
Lead efforts to bring credit practices in-line with industry level best practices
Focus on industry best practices about specialized lending deals (over $5M) and also efficient and quality underwriting with Credit Professionals to increase industry knowledge
Develop and improve formalized processes and procedures as necessary; complete special projects as assigned
MBA or Masters in Finance / Accounting
15 years in Banking with at least 10 years in Commercial Credit as a credit professional/underwriter
CRC (Credit Risk Certification) or other similar industry level certification in the credit risk field
Hands on skills with data management, reporting and MS Office
Very strong understanding of Uniform Cash Flow analysis and the commercial loan decision process; prior lending authority helpful
Experience with Moodys analytics
Prior experience working in a mid-sized/large bank commercial lending function
High level of adeptness/ hands on experience and capability around MS Excel and Power Point
Prior experience working in Risk Management (2nd line of defense)
Familiarity with PD/LGD models, usage and risk rating methodology
Prior experience interacting with Regulators, Compliance and Internal Audit on risk/issue remediation

106

UK Profit Centre Manager, Trade Credit Resume Examples & Samples

Defines own business strategy, implements action plans across business area
Achieve budget including client retention, new business NLI and GOE
Work across functionally with other areas in AIG to achieve corporate objectives
Manage the impact of regulatory change, both internally and externally (audits, PRA regulations)
Lead and direct the business to build a high performance culture by ensuring the team have the required skills and knowledge to meet current and future business needs
Channel Management including brokers and banks
Financial analysis skills
Highly numerate
Detailed knowledge in Trade Finance and export documentation
Strong country knowledge – Macro economic and political risks
Competent in IT packages and AIG systems
Extensive insurance background within Trade Credit
Track record of successful change management
Proven people management skills
Strong commercial background
Proven ability to develop and execute strategic business plans
Proven track record of leading and delivering profitable returns
Managing multiple distribution channels

107

Senior Manager, Credit Cards Resume Examples & Samples

Manage all incentives the countries receive from Visa and/or MasterCard
Responsible for the tracking of all of the receipts and usage of Visa and MasterCard incentives and expense reduction by country by period
Ensure countries are following the established processes for incentive usage
Ensure countries are measuring the benefits of the incentive usage by implementing Key Performance Metrics that are tracked in a timely basis
Work closely with Visa and MasterCard to receive reporting in a timely manner and ensure reports reconcile with countries
Identify opportunities for fund usage based on opportunities either divisionally or within the countries
Strategy & Best Practices
Implement the curent Divisional Credit Cards strategy working closely with the countries and facilitating their engagement
As required, provide direction on development of Cards strategy and strategic initiatives to ensure alignment with region needs, market trends and opportunities, and IB objectives
Facilitate the implementation of strategic global initiatives (e.g. EIAP, mobile wallets, etc.) by maximizing synergies across department, business lines and regions
Maintain knowledge of global best practices, industry trends and ensure knowledge transfer is aligned to country-specific opportunities
Provide competitive insight and feedback into business models and regulatory changes
Country Performance
Support the monthly calls with each regional Cards' team ensuring the issuance of minutes and dashboards are completed in a timely manner
Product Design & Development
Champion product development by assessing and recommending product opportunities for expansion across the Division
Partner management
Work with Visa and MasterCard on Divisional Card projects and the execution of regional consulting/ advisory agreements
Ensure financial benefits are achieved for business case for divisional incentive agreements with Visa and MasterCard
Establish (where appropriate) and maintain regional relationships with business partners, alliances and vendors
Monitor revenue guarantees with travel partners for cobranded credit card products
Business Planning
Support the development and negotiation of annual business plans

108

Manager, Credit Resume Examples & Samples

Manage the credit and collection function for Tribune Broadcasting station’s local advertising sales for multiple markets
Acts as a liaison between collection agencies and attorneys on any law suits or further collection attempts for accounts written-off as bad debt
Some travel required
Undergraduate degree in finance, accounting or equivalent related experience a plus
Minimum 3 years of accounts receivable experience
Requires knowledge necessary to analyze credit information available on clients and make final determination on credit worthiness
Must be able to prioritize tasks and manage deadlines
Proficiency with Microsoft Office applications including Excel and Word
Knowledge of Wide Orbit a plus
Must be available on evenings and weekends as necessary

109

Senior Credit Solutions Manager Resume Examples & Samples

An in-depth knowledge of the Bank’s lending policies, practices and procedures, as well as an awareness of business trends, economic, technological, social, legal and political conditions and factors
A solid knowledge and understanding of financial statements, capital structures (equity; sub-debt) and accounting principles and policies is a must
The incumbent must possess effective communication skills, both written and oral
The incumbent needs to be a highly organized, analytical and logical person with an ability to coach others
Superior credit skills and significant credit experience ie 3-5 years in Commercial Banking
Superior risk assessment and analysis skills, including Moody’s Financial Analysis

110

Manager, Credit Services Resume Examples & Samples

Experience managing payment card fraud prevention processes
Experience with retail payments, e-commerce payments, and payments security/PCI
Understanding of existing and emerging payment technologies (e.g., EMV, NFC, tokenization)
Strong understanding of the payment life cycle for credit, debit, and check processing

111

Manager, Credit Resume Examples & Samples

Plans, organizes and directs the activities required to contribute to loan growth and profitability while minimizing underwriting risk to the Bank
Supports the business objectives of the department ensuring operational effectiveness
Ensures the delivery of customer service fosters overall customer and business line/department satisfaction

112

Manager, Credit Card Portfolio Resume Examples & Samples

Manage and drive the Consumer Credit Card portfolio by ensuring that all P&L and customer targets are met
Develop annual strategic and tactical plan including volume and profit targets, developing mechanisms for collation of performance measures geared to delivering profit and product objectives
Run and enhance the existing customer management program
Develop clear understanding of price sensitivity within the products and segments, making recommendations on pricing levels
Enhance compliance and operational risk processes
Embedding deep analytical insights into Credit Card portfolio
Manage and develop a large product team
Proactive approach to problem solving and overcoming organisational barriers
Experience of people leadership across the financial services industry
Ability to influence and engage key stakeholders both internally and externally
A demonstrated team and relationship builder
A strong commercial acumen and with excellent communication skills
Deep understanding of Credit Card profit & Loss drivers
Experience in Credit Card product management
Degree in maths/science/business or related degree

113

Manager, Credit Product Resume Examples & Samples

Owns and drives strategic and tactical product initiatives and projects through leading cross-functional teams to successful execution including planning, scoping requirements, and business case development
Leads and performs data analysis for deeper understanding of product profitability drivers, performance and impact of strategic initiatives
Proactively identifies process improvements areas and uses structured problem solving techniques, process mapping and facilitation techniques to influence change
Partners with and leads key internal and external stakeholders across multiple functions for resolution of day-to-day operational issues including store operations, call center management, customer experience and IT systems
Manages daily and weekly product reporting versus goals and reports out to key internal and external stakeholders
Develops communications to senior executives and cross-functional partners on product initiatives and performance
Collaborates with product leadership for developing new strategies, product capabilities, and customer experience enhancements
Participates on departmental cross-functional teams representing product ownership and serving as the product single point of contact
Manages and influences vendor relationships regarding operations and transactional processes
Supports product owner in all aspects of daily product management
Dynamic and results-oriented, with positive attitude and solid work ethic
Very self-driven to provide thorough, quality work product
Expert problem-solver adept at finding root causes/drivers and developing solutions to meet business needs
Known for identifying critical opportunities and deconstructing visions into simple yet effective customer-centric plans that achieve business results
Able to deliver through building, driving and collaborating with cross functional teams to achieve results

114

Manager Credit Admin Resume Examples & Samples

Preparing/Checking of offer letters and documents in line with the credit conditions stipulated in Credit Memos
Monitoring of post disbursal conditions
Limit inputting, release and Checking of all conditions precedents stipulated in Credit Memo before loading of both Offshore and Onshore limits
Tracking of various regulatory/Credit Monitoring items like Stock Statement, QIS, Insurance policies, collateral audit, ROC Search etc
Preparing MIS on incomplete security documents and and liaising with RMs for receipt/rectification of such items
Liaising with in-house legal team and external legal counsel for drafting of non standard docs so as to ensure that credit conditions stipulated by credit chain are incorporated in such documents
Liaising with HO, other department for MIS and other information as well as for off-shore limits loading/facilities disbursals
Participating actively in Process analysis and making them more efficient and reducing duplication of processes
Checking of offer letters and security documents
Follow up of Pre and Post monitoring disbursal conditions and pending security documents
Preparing of various MIS which includes, Internal MIS and that for HO/ regulators
Effect Data base management of various MIS pertaining to Credit Control Unit
Liaising with in house and external legal for drafting of non standard docs and also with vendors for valuation, charge creation etc
Effective management of the portfolio being handled by him/her

115

Senior Manager Credit Approval Resume Examples & Samples

Minimum of 5 years proven consumer lending experience and a sound working knowledge of small business lending gained through 2 years as an Account Manager, CFS
Minimum of a bachelors degree in business, commerce or related field, equivalent Institute of Canadian Bankers courses or equivalent experience
Strong verbal and written communication and inter-personal skills to effectively manage the credit adjudication role for assigned branches
Credit training and ongoing education in accounting and legal issues related to credit
Strong ability to negotiate and influence
Discretion to take independent action within delegated credit authority and bank policy

116

Assistant Credit Manager / Credit Manager Resume Examples & Samples

Ideally with a university degree or diploma in Finance, Commerce or Hospitality/Tourism management
Minimum 2 years work experience as Accountant or Senior Accountant in larger operation
Good problem solving, administrative and interpersonal skills are a must
Good command of Mandarin and English

117

Manager, Credit Balance Services Resume Examples & Samples

Directs all activities associated with a full agenda of an operating department’s day-to-day production regimen
Manages overall staff administration, including Permanent or Temporary employee staffing models, recruiting, performance management, salary administration, with oversight of exempt and non-exempt staff
Ensures adherence to departmental budget
Determines and maintains appropriate organizational structure and staffing levels, achieves production goals and financial goals, and coordinates with other operational departments as needed
Provides training, coaching, mentoring to staff as appropriate and provide development opportunities to meet the organization’s future needs
Acts as an escalation point for teams, supporting all customers to ensure a high level of customer satisfaction
Designs, implements, and manages necessary operational workflows; meet internal and external SLA’s (Service Level Agreements)
Prepares, produces, and delivers management reports on a daily, weekly, or monthly frequency
Acts in a management capacity and participate as a member of the Operations management team
Supports and administers various departmental and corporate policies consistent with the company’s core values and philosophies
Performs other functions as assigned
Ability to work proficiently with Microsoft Word, Excel, Power Point & Access
Ability to multi-task and prioritize
Ability to be careful and thorough about detail
Ability to analyze information and use logic and process to address work-related issues and problems
Ability to provide direction and control to multiple teams; exhibit high initiative to get things accomplished; high organizational ability to juggle multiple priorities; proven leadership experience as a leader in charge
Ability to perform well in team environment, with staff at all levels, to achieve business goals
Ability to handle pressure and meet deadline-oriented project demands as well as manage multiple initiatives
Ability to troubleshoot existing applications
Working knowledge of HIPAA privacy and security rules
Health care related certifications preferred, technical certifications preferred
7+ yrs related work experience with 4+ yrs in a supervising role. Health care background preferred, technical experience preferred

118

Assistant Manager, Credit Administration Resume Examples & Samples

Management of all current account documentation matters, including the opening of the accounts, Customer Due Diligence (“CDD”) renewals, updates and closures
Management of standard facility and security documentations, including the preparation, and execution of facility letters, security documents and any other standard documents required
Management of all facility activations, including the lodgment of completed documentation, the preparation of facility activation forms, and the following up to ensure that the limits are activated accordingly. Also to manage any further changes to the limits thereafter
Portfolio credit monitoring, including monitoring for receipt of financial reports, insurance policies in accordance with the facility conditions, and the testing of financial covenants imposed
Maintaining the overview of the documentation status, review due dates (for credit ratings, CDD amongst others); and monitoring the progress of credit review within TCF portfolio
Assist in the preparation reports on an adhoc basis as and when required
Minimum Polytechnic Graduate in accountancy, finance or business
For AM level
At least 3-5 years of general banking experience, preferably with a reasonable level of trade finance product knowledge. Commodity banking experience will be an advantage
Strong knowledge of legal documentation, particularly in facility and security documentation
Experience in credit monitoring and reporting
Must possess a ‘hands-on’, ‘can do’ mentality, a logical, pragmatic approach towards problem solving, with a high level of self-motivation and professional pride
Good communication and interpersonal skills, strong team player
Fluent in English, both verbally and written
Good working knowledge of computer skills, focus on Excel and ING applications

119

Manager, Credit Resume Examples & Samples

Responsible for the day-to-day operations of the credit risk team
Directly supervise 6 credit professionals
Participate in the implementation of credit policy, procedures and processes to measure, monitor and control counterparty credit risk impacting Enbridge and its subsidiaries
Develop, coordinate and implement required systems to monitor and manage aggregate credit exposure
Develop methods of financial analysis and appropriate metrics to determine the credit strength of counterparties
Analyze, determine and recommend credit limits for both rated and non-rated counterparties
As authorized; approve credit limits and assist with monitoring and administering counterparty credit risk within approved limits and guidelines
Ensure that required credit reviews are completed on a timely basis and any known “credit events” are adequately monitored and appropriate credit mitigation actions taken
Consolidate and report credit exposure to the risk committee
Build strong relationships with commercial teams, accounting, risk control, legal and treasury
Present credit risk management strategies to senior finance staff and commercial business unit leaders
Assess credit risks and recommend mitigation strategies for new business development activity, acquisitions or expanded business lines
Monitor developments in credit risk management and liaise with industry credit professionals regarding activities and potential issues
Conduct such other activities as may be requested by the Director, Credit
Bachelor’s degree in Finance, Accounting, Economics or a related business degree
Masters of Business Administration, Chartered Financial Analyst designation or extensive business experience focused on financial/business analysis preferred
10 years or more of energy credit risk experience
Extensive knowledge of credit risk principles, policy and reporting
Goal driven leader who maintains a productive climate and confidently motivates and coaches employees to meet high performance standards
Excellent written and oral communication
Proven relationship builder with strong interpersonal skills
Salary and job level will be commensurate with qualifications and experience
Share our core values of Integrity, Safety and Respect

120

Senior Manager, Credit Cards Resume Examples & Samples

Product development and product management of all credit card offerings
Partner with Customer Intelligence functions and
Build on the “digital first’ banking capability for consumers
Accelerate customer growth in the lending portfolios
Ability to clearly articulate and execute clear Customer propositions that deliver on strategy in an agile and nimble manner
Experienced in end to end product development and management, developing product offerings for customers at all life stages
Good understanding of Retail Banking dynamics and Risk Management
Project Leadership experience in an agile environment
Exceptional stakeholder management experience with the ability to influence

121

Assistant Manager, Credit Card Servicing Resume Examples & Samples

Oversees day-to-day operations of the branch
Ensuring compliance with government regulations and Navy Federal policies and procedures in order to minimize Navy Federal financial risk
Assists in managing, planning, and coordinating the activities of the branch which include responding to inquiries/complaints from members, branch offices, employees, and other financial institutions regarding credit card accounts
Oversees the resolution of issues concerning billing disputes and chargeback, credit card accounting, and credit card servicing issues.Monitors the processing of credit card disputes and chargebacks for proper timeliness and compliance with standards
Reviews production reports to assess daily production and adjusts work assignments to meet business needs
Monitors and reviews the status of general ledgers for accuracy and compliance with established standards
Authorizes payment of invoices and expenses to established limits including Visa, MasterCard, and TSYS bill reconciliation summaries
Monitors rewards redemption activity to ensure limited budget variance
Assists in managing execution of product loyalty strategies with outside vendors and internal partners
Assists in overseeing product and service rating system
Monitors branch performance to identify improvement opportunities and recommend changes
Working knowledge of systems software used by the Credit Card Servicing Section
Familiarity with Navy Federal policies and procedures

122

Credit Senior Manager Resume Examples & Samples

Deliver Wholesale credit systems implementation engagements (requirements, design, test, deployment, etc.)
Source and coordinate work from other internal workforces
Develop of our next generation Wholesale credit technology offerings
Drive business development to originate new client opportunities
Demonstrated experience developing and managing relationships with senior client executives
8-10 years of Wholesale Lending industry experience

123

Senior Manager Credit Approval Resume Examples & Samples

Physical Demands: Located in a comfortable indoor area. There may be some stooping ad lifting or carrying of light material
Environmental Conditions: Environment is generally comfortable with exposure to some dust, dirt or other conditions, which might product mild discomfort. Very remote possibility of accident or ill health
Sensory Demands: Has frequent short periods when it is necessary to pay close attention to the monitoring of sights and sounds
Mental Demands: Moderate mental demands would be experienced by most people because of one or more conditions, which are present in the job. Work might be very repetitious; noticeable pressure from simultaneous priorities and deadlines. Unpleasant direct personal contact or concern about unpleasant situations are probable. Some disruption of personal life

124

Manager Credit Bureau Management Resume Examples & Samples

This position may act as a first level manager or as the most senior level individual contributor/ subject matter expert
This position may also work with other support teams such as Vendor Management and/or Technology Services
5 years experience within financial services industry
Previous experience within Retail Banking Industry
Familiarity with credit bureau information
Bachelors degree in mathematics, statistics, finance, economics, related field or equivalent experience; Masters Degree preferred
Well-developed organizational, analytical, problem-solving, project management, verbal and written communication skills
Exposure to contracting or vendor risk management a plus but not required

125

Senior Manager, Credit Resume Examples & Samples

Contribute to the quality of the loan portfolio through
Ensure the assigned credit portfolio is efficiently mainatined at an acceptable level of risk and loan losses minimized by
Thorough understanding of:- Commercial Credit / Banking; Bank’s credit policies and procedures; MRA; Commercial Bank's Borrower Risk Rating guidelines; risk assessment techniques; credit structuring; accounting practices; collateral and security documentation & registration; legal ramifications & remedies; various and diverse industries; and local economic trends
Ability to make decisions with proven credit judgement, frequently in the face of uncertainty, and clearly communicate rationale for decisions
Proven ability in administering a Commercial credit portfolio

126

Manager, Credit Bureau Disputes Resume Examples & Samples

Manages, defines and documents business policy strategies for credit bureau disputes. This includes
Core business strategies
Develop and enhance internal Operational procedures
Conduct regular oversight on Credit Bureau Dispute procedures for consistency and gaps relative to regulations in addition to impacts on customer experience
Develops procedural implementation and change management process with Operations to ensure proper governance and controls exist
Adherence to industry standards and regulatory and compliance requirements
CBR Dispute leader in Operations dotted line reporting to this Manager for strategy execution
Responsible for identifying regulatory changes that affect Credit Bureau Disputes
Proactively provides input and recommendations to key stakeholders and leaders on specific areas of concern, impacts to the business, and recommendations to drive process improvements and efficiencies to maximize accuracy and mitigate risks
Proven working knowledge of Metro 2 guidelines
FCRA and Metro 2 certifications
Proven performance in leading internal and external teams to drive solutions
Results oriented with ability to bring teams together to achieve strategic goals
Proven Knowledge of Credit Bureau Reporting and Metro II
Proven Knowledge of e-Oscar
Professional Demeanor with superior interpersonal communication skills (verbal and written)
Ability to formulate and implement a vision for credit bureau disputes
Ability to build relationships and interact with senior level leaders and external partners
Strong organizational skills with the ability to establish priorities and meet deadlines
Ability to demonstrate strong reasoning and analytical skills
Ability to identify, research, and resolve problems or provide recommendations
Ability to identify and resolve problems
Aptitude for detail and accuracy
Ability to exercise initiative and sound judgment
Alliance Data will consider for employment qualified applicants with criminal and credit histories in a manner consistent with all applicable laws

127

Senior Manager, Credit & Debit Card Products Resume Examples & Samples

5+ years of retail financial services experience and product management, especially with Credit Card product management
Experience in developing business cases and associated financial analysis
Exposure to marketing planning and execution
Well developed knowledge of Microsoft Office tools; particularly with Excel
Strong financial and analytical skills

128

Manager, Credit Resume Examples & Samples

Oversee the development and execution of detailed project design/ implementation plans. Utilize project management and people management skills to ensure timely completion of projects at the highest quality levels
Assess financial and operational/quality results of new programs against predetermined goals. Determine whether programs should be rolled out, make recommendations and, if applicable, develop implementation strategies and budgets
Must be eighteen years of age or older
Must be legally permitted to work in the United States
Experience in product development and/or project management in credit or financial services preferred
A thorough working knowledge of the principles/disciplines of credit marketing, including Account Acquisition & Activation, Loyalty Marketing, Sales Promotion, etc
A thorough understanding and knowledge of the principles/disciplines of the retail industry
A strong grasp of Project Management skills and requirements. A proven record of developing new financial products and/or services. Able to manage/coordinate multiple, simultaneous projects. Understands Time Management skills and uses those skills to deal with unplanned projects and interruptions. Both demonstrates and teaches those skills to direct reports. Demonstrated strong results in managed projects
Very strong communication skills, both verbal and written. Demonstrated decisiveness and sound decision making skills

129

Branch Manager, Credit Union Orlando Resume Examples & Samples

General knowledge of the credit union industry. Specific knowledge of Florida Hospital Credit Union policies, procedures, and account, deposit, and consumer lending regulations
Well organized and accomplished in task management
Ability to perform under pressure, along with dynamic interpersonal skills and communication skills that convey an eagerness to meet, work, and help both employees and members. Problem identification and resolution skills
Counseling and leader/guidance skills
Computer knowledge is necessary, as is knowledge of all Microsoft office applications
Minimum of 2 years related experience in cash handling, deposits, consumer lending, customer/member service, and supervisory experience
Must pass Credit Union bond check

130

Asst Manager Credit Resume Examples & Samples

Ensure the timely credit collections of all outstanding payments
Manage credit meetings with key stakeholders
Administer credit processes and policies for other departments in the hotel
Follow up on all overdue accounts and send to debt collectors, as required
Manage all account queries and disputes
Relevant degree, in Finance/Accounting or related business discipline, from an academic institution
Previous experience as a Credit Manager

131

Senior Credit Solutions Manager Resume Examples & Samples

Providing prompt feedback and sound recommendations to SCRMs and CRMs in the analysis and presentation of credit proposals, and coaching, assisting or leading the structuring of more complicated proposals
Works closely with Scotiabank’s Global Risk Management (GRM) department to ensure that policies, procedures, and controls are in place to support the approval of credit
Maintain a good understanding of the Canadian agricultural industry and its competitive landscape
Ensures the ongoing quality of the IBF and NAS credit portfolios, through adherence to controls and administration of the specific conditions and reporting requirements as specified in individual authorizations
Demonstrated experience/understanding of the Agricultural industry

132

National Manager, Credit Solutions Resume Examples & Samples

Credit Analysis
Financial Modeling
Intermediate accounting and finance
Risk management theory and practices
Financial Planning
Investment and treasury products
Operational process expertise
Security documentation

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