Review Analyst Resume Samples

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GB
G Buckridge
Giovani
Buckridge
9837 Kian Garden
Detroit
MI
+1 (555) 665 7309
9837 Kian Garden
Detroit
MI
Phone
p +1 (555) 665 7309
Experience Experience
Los Angeles, CA
Quality Review Analyst
Los Angeles, CA
Monahan Group
Los Angeles, CA
Quality Review Analyst
  • Complete reviews of the Home and Auto Underwriting Operations group and the risk decisions being made
  • Create and maintain quality reports to assist with trending and analysis on the business being written
  • Ensure underwriting standards are met and adherence to RBC Insurance’s underwriting rules and guidelines are complied with
  • Working knowledge of BSA, AML, OFAC, and USA Patriot Act laws and regulations
  • Federal Banking Regulations
  • Working knowledge of bank operations
  • Alert monitoring and escalation
Boston, MA
Fundamental Credit Review Analyst
Boston, MA
Hilpert-Carter
Boston, MA
Fundamental Credit Review Analyst
  • Support Lead Reviewers and regional teams with Business Monitoring and Review (Planning, Fieldwork and Post Fieldwork) activities including
  • Support Lead Reviewers and regional teams with Business Monitoring and Review (Planning, Fieldwork, and Post Fieldwork) activities including
  • Execute department strategy by developing approaches and/or processes to accomplish goals
  • Mentor junior analysts and coordinate workflow
  • Interpret data and draw conclusions; may show propensity to make recommendations
  • Energetic, responsive team player with the interest to take initiative and work in a fast-paced environment
  • Pre-Review activities, presentation decks, and Fundamental Credit Review System assistance
present
San Francisco, CA
Comprehensive Capital Analysis & Review Analyst
San Francisco, CA
Gutkowski, Ondricka and Zulauf
present
San Francisco, CA
Comprehensive Capital Analysis & Review Analyst
present
  • Preparation of monthly reports such as PBR data quality (DQ) reconciliation and GCBC Basel Reporting reports
  • Coordinate all efforts for data remediation
  • Coordinate the bi-annual CCAR MSBF stress tests and other ad-hoc stress tests
  • Perform quarterly edit checks for Commercial Real Estate (CRE), Retail and Commercial Loan Portfolios (CLP)
  • Coordinate Windows of Risk (WOR) for CRE quarterly
  • Verify completeness and accuracy of all CCAR data for Asia Pacific (AP) region of Private Bank
  • Drive efforts to ensure accurate data is reflected in regional source systems including, but not limited to credit systems and product processors
Education Education
Bachelor’s Degree in Business
Bachelor’s Degree in Business
Johnson & Wales University
Bachelor’s Degree in Business
Skills Skills
  • Ability to analyze financial statements and cash flows
  • Knowledge of generally accepted accounting principles
  • Knowledge of collateral and credit file documentation
  • Knowledge of banking laws and regulations regarding lending
  • Ability to perform accurate financial analysis and calculations
  • Excellent computer skills, including experience with Microsoft Word and Excel
  • Ability to work with minimal direct supervision
  • Ability to collect and research data
  • Ability to identify and resolve problems in a timely manner
  • Ability to complete projects on time
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15 Review Analyst resume templates

1

Flood Determination Review Analyst Resume Examples & Samples

  • Verify that the number of flood zone determinations ordered match the number of buildings being taken as collateral
  • Review flood zone determinations to ensure they correctly identify the property on which the collateral is located
  • Determine best practices and drive change
  • Lead and/or participate in large, complex projects
  • Minimum 2 years of prior loan operations or flood mapping/insurance related experience
  • Real estate/mortgage experience (e.g., processing)
  • Auditing skills
  • Excellent customer service skills, including appropriate email and phone etiquette
  • High level of self-motivation and aptitude to quickly absorb new information
  • Ability to organize work and manage time to balance workload, and meet deadlines in a fast-paced environment
  • Ability to effectively make decisions in an independent manner and know when to seek guidance
  • Adherence to professional and behavioral guidelines
  • Computer skills: Microsoft Word, Outlook and Excel; ability to and ease of navigating multiple programs simultaneously; ability to enter data quickly
2

Cib-periodic Review Analyst Resume Examples & Samples

  • Perform detailed advanced level financial statement analysis based on key financial ratios utilizing Moody’s financial spreading software
  • Review business model and processing characteristics for existing merchants to ensure compliance with Payment Brand rules and regulations
  • Document the results of findings in written form and make recommendation based on the totality of findings
  • Perform reserve reviews upon request and recommend appropriate terms
  • Monitor customer portfolio on an ongoing basis and assume responsibility for producing monthly statistics
  • Support other management directives as prescribed
3

Fundamental Credit Review Analyst Resume Examples & Samples

  • Identify and analyze situations that create risk and legal liability for Citi, utilizing various resources such as credit reports, score cards, risk systems, and knowledge of the elements of Risk
  • Apply area knowledge and basic understanding of business and/or product/function to analysis
  • Responsibility for Risk Rating input verification process in conjunction with Lead Reviewer
  • Interpret data and draw conclusions; may show propensity to make recommendations
  • BA/BSc degree
  • Demonstrable financial services experience including 1-3 years of credit experience
  • Strong business and/or product knowledge
  • Knowledgeable about risk systems infrastructure including key processes, coverage and data flows in order to identify risk effectively
  • Strong written and verbal communication skills - ability to express and communicate concisely and clearly
4

Fundamental Credit Review Analyst Resume Examples & Samples

  • Analyze and interpret data to make conclusions or recommendations
  • Demonstrable financial services experience including 2-5 years of credit experience
  • Knowledgeable about different markets, products, tools and associated risks
5

Fundamental Credit Review Analyst Resume Examples & Samples

  • BA/BSc degree, potentially higher degree in business (MBA), finance or any other related subject
  • Demonstrated team leadership skills
  • Relationship building
6

Fundamental Credit Review Analyst Team Manager Resume Examples & Samples

  • Anticipate client needs (internal and external) and proactively generate ideas to deliver innovative solutions and improve FCR’s effectiveness. Ensure that escalated client issues are resolved with urgency
  • Research an issue and identify which elements of Risk or other functions that may be impacted, in the immediate sense and beyond. Identify trends and determine the root causes of issues
  • Communicate and incorporate “lessons learned” from results
  • Effectively manage and develop analysts; provide candid and honest feedback on an ongoing basis
  • Accountable for results and management of FCR Analyst Team
  • Engage with key regional partners to plan, organize, coordinate, prioritize, and monitor workflow and activities of the analyst pool to ensure success
  • Develop and implement procedures and rules of engagement for the analyst pool
  • In conjunction with Head of GPO, develop appropriate training plans for the analyst pool
  • Provide guidance and direction to the analyst pool, including setting performance standards and monitoring performance
  • Identify the developmental needs of analysts and coach, mentor, help analysts to improve their knowledge or skill set
  • Ensure that the analyst pool’s output and work product meets quality and consistency standards
  • Provide efficiency information by compiling and analyzing analyst pool performance records and data
  • Travel required (5%)
  • BA/BSc, potentially higher degree in business (MBA), finance or any other related subject
  • Demonstrable financial services experience including 8 years of credit experience
  • Demonstrable technical expertise, strong understanding of products, tools and associated risks
  • Demonstrated project management skills and the ability to manage several large programs simultaneously
  • Demonstrated management experience
  • Demonstrated ability to work at senior levels and build constructive and effective relationships with regional and global peers
  • Knowledge of credit and banking products
  • Understanding of Citigroup credit policies and procedures
  • Management skills (motivating, developing and directing people)
  • Proficient in MS Office (Word, Excel and PowerPoint)
  • Time management skills (managing one's own time and the time of others)
  • Familiarity with Citi risk systems, including data mining and assessment
  • Language skills a plus (depends on region)
7

Avp-fundamental Credit Review Analyst Resume Examples & Samples

  • Execute department strategy by developing approaches and/or processes to accomplish goals
  • Function as a key contributor with demonstrated knowledge of area of specialization as well as broader functional knowledge
  • Support Lead Reviewers and regional teams with Business Monitoring and Review (Planning, Fieldwork and Post Fieldwork) activities including
  • Review Plan, Fundamental Credit Review Plan, Sample Rationale Document preparation and maintenance
  • Pre-Review activities, presentation decks, and Fundamental Credit Review System assistance
  • Portfolio performance analysis and reporting
  • Allocate work/assignments within the analyst team from time to time
  • Prepare presentations to meet internal and Regulatory needs
  • Support the Global Products and Operations Team in special projects
  • Some experience in credit risk preferred
  • Some knowledge of Citigroup credit policies and procedures preferred
  • Some knowledge of fundamental credit risk concepts
  • Detail oriented with ability to work independently and prioritize workload
8

Enterprise Wide Review Analyst Resume Examples & Samples

  • Working knowledge of business statistics (business graphics, senior management reporting)
  • Working knowledge of application design and workflow systems
  • Minimum 3 years of Banking experience
  • Experience working in a large, dynamic, and cross-functional organization including Operations, Client Management, Compliance, Legal, Technology and Regulatory
  • Good Negotiation abilities
  • Detail Oriented,
9

Loss Mitigation Review Analyst Resume Examples & Samples

  • Working knowledge of federal, state/provincial and local laws pertaining to Consumer Collections and functional area
  • Familiarity with Auto Dialers and dialing platforms
  • Keen analytical skills, attention to detail and ability to work independently
  • Strong and decisive problem solver
  • Proven ability to work effectively in a fast paced and stressful environment
  • Proven ability to multi-task, prioritize workload and meet deadlines
  • Proficient PC Skills including but not limited to Microsoft Excel, Word, Access, etc
10

Risk Review Analyst Resume Examples & Samples

  • The global loan and counterparty credit risk portfolio has been appropriately sampled and reviewed
  • Potential weaknesses at the borrower and/or portfolio level have been reported and an appropriate remediation plan is agreed to with the relevant stakeholders
  • Risks unique to the region are properly reflected in both the local and global risk frameworks as necessary
  • Provides coaching to team members, as necessary
  • Demonstrates analytical and strategic mindset
11

Quality Review Analyst Resume Examples & Samples

  • Complete reviews for New Business policies (Home and Auto) and transactions handled by the sales agents in both the Ontario and Quebec Advice Centre’s and Insurance Stores
  • Complete reviews of the Home and Auto Underwriting Operations group and the risk decisions being made
  • Ensure underwriting standards are met and adherence to RBC Insurance’s underwriting rules and guidelines are complied with
  • Collaborate with Team Leaders/Regional Directors on quality review results in order to assist in the development of high underwriting knowledge and employee capability
  • Identify and investigate trends to determine if guidelines or procedures are clearly outlined and escalate those that may need further clarification
  • Create and maintain quality reports to assist with trending and analysis on the business being written
  • Conduct special reviews at the request of Home and Auto business partners and stakeholders
  • Regular contact with manager of quality review on team results, trends and recommendations on performance improvements
  • Minimum of five (5) years of property and casualty insurance experience
  • Must have successfully completed and passed a minimum of 7 CIP courses (outside of OTL), with plans to continue in this program
  • Must hold a minimum Level 2 Underwriting Authority
  • Core competencies include Collaboration, Execution Excellence and Change Management
  • Excellent verbal and written communication skills and must also demonstrate strong coaching abilities
  • Superior time management skills with a proven record of meeting tight deadlines on a monthly basis
  • Strong P&C process/product knowledge
  • Superior analytical and decision making skills
  • Demonstrates RBC core values of Service, Teamwork, Responsibility, Integrity and Diversity
12

Corp Trust Review Analyst Resume Examples & Samples

  • Three to five years of experience in corporate trust and/or audit
  • Thorough knowledge of corporate trust compliance, audit and risk management
  • Experienced in working with internal units as well as issuers and obligors
  • Strong planning, prioritization and organizational skills
  • Ability to identify and mitigate potential risk
  • Ability to analyze and interpret legal documents
  • Ability to manage multiple tasks, project and deadlines simultaneously
13

Senior Credit Review Analyst Resume Examples & Samples

  • Document and communicate findings and recommendations to business and departmental management
  • Interface with internal and external clients to ensure proper identification, documentation and resolution of all risks impacting the loan portfolio
  • Ensure risks unique to both the region and the assigned portfolio segment are properly reflected in both the local and global risk frameworks as necessary
14

Co B Quality Review Analyst Resume Examples & Samples

  • Conduct standardized quality reviews on plans & testing documentation
  • Prepare and execute CoB quality review schedules
  • Ensure compliance with enterprise policies and procedures
  • 7+ years experience in Business Continuity, Disaster Recovery, Business Resiliency, and/or Supplier Risk Management, preferably within a Business and Technology Risk Management environment
  • Excellent verbal and written communication skills; strong influencing, facilitation and partnering skills
  • Excellent follow-up skills with attention to detail and ability to multi-task, have leadership presence, strong team-orientation and interpersonal skills, flexibility and strong analytical skills
15

Condominium Review Analyst Resume Examples & Samples

  • Evaluate new and established condominiums, litigation and PUD projects escalations
  • Provide a quality product for the company by underwriting and evaluating residential condominium project
  • Review and submit exceptions to FNMA CVAS or to Shellpoint for non-warrantable exception
  • Effective communication to Sales, Brokers, Operations and Team
  • Meet Service level requirements for all assigned work
  • Escalate potential issues
  • Minimum 5 years of condominium project review experience
  • Mortgage Lending Experience (Processor, Underwriter)
  • Great organizational skills, detail oriented
16

Credit Review Analyst Resume Examples & Samples

  • Appropriate sample and review of the portfolio
  • Identify and report potential weaknesses at the borrower and/or portfolio level and recommend an appropriate remediation plan to the relevant business/support units
  • Demonstrates analytical mindset
17

Periodic Review Analyst Miami Resume Examples & Samples

  • Review of profiles presented via CPB system making comparison of the information (Narrative) entered into the Client Profile with information present in documents
  • An assessment of the Client’s net worth, for example: In relation to the scale and profitability of the client’s business(es)/investments, and in the context of the country and time period in question: Is the net worth supported by the source of wealth information presented and does the totality of the information make sense when taken altogether
  • Ensure adherence to other associated CPB Policies
  • 3-5 Years KYC or AML Compliance skills, ideally gained from working in a similar role
  • Strong communication skills, both written and oral. Preferably fluent in Spanish or Portuguese
  • Able to work with deadlines
  • Strong PC skills
18

Int Ad Review Analyst Resume Examples & Samples

  • Promptly reviews and approves material submitted to Advertising Compliance (including social media), of a difficult, complex nature
  • Participates in the development and management of the computer information systems support advertising compliance for AEGON’s corporate information system (Advertising.Net) and the Law Department’s automated tracking and record keeping system
  • Analyzes, interprets and applies state and federal advertising regulations
  • Provides excellent client service under time pressure with diplomacy and a high level of attention to detail
  • Maintain pre-approval library for financial advisor use, and update accordingly as new pieces come approved or expire
  • Takes initiative in identifying improvements to compliance software applications and operating procedures
  • Acts as lead in coordinating changes by working collaboratively with team members from Compliance, Legal, Technology, and Marketing/Branding
  • Works with Supervision department and Technology team to introduce new technologies to the financial advisors for use with Advertising review
  • Prepares for and participates in all regulatory and corporate audits for Advertising Compliance
  • Effectively applies fundamental concepts; works on assignments of moderate scope and complexity, with limited oversight; makes recommendations for changes to procedures, and performs varied work, requiring some originality or ingenuity
  • Works directly with respective marketing distribution channels to develop product brochures and residual materials
  • Completes special projects as assigned by the Director
  • Leads and/or participates on project teams for various field-facing initiatives in alignment with TFA strategy, including the rollout of new technology, products and processes to increase operational efficiencies, the ease of doing business and to meet regulatory requirements
  • Contributes to a culture of innovation. Collaborates with other team members and business units to generate ideas on continuous improvement and increasing TFA and TFG field awareness and adoption of various products, services and technology tools from a technical perspective to increase operational efficiencies, meet regulatory requirements and mitigate risk to the firm
  • Provides support as necessary to overarching TFA initiatives
  • Successful candidates will typically have a minimum of 2 years level experience in the financial services and broker/dealer industry
  • Prior experience reviewing and approving advertising/social media for a broker/dealer or registered investment advisor
  • Working knowledge of social media, including Facebook, LinkedIn, and Twitter
  • Strong project management skills with the ability to document and communicate project plans
  • Demonstrates a high level of customer service and has great tact and diplomacy
  • Ability to work in teams and/or alone
  • Ability to occasionally travel overnight is required
  • Ability to prioritize, manage time effectively and keep issues confidential
  • Excellent written and verbal communication skills, to include advanced presentation and facilitation skills
  • Proficiency in Microsoft Office Suite (Word, Excel, PowerPoint, & Outlook)
  • A demonstrated track record of successful and effective project management
  • Responds promptly to miscellaneous field and inter-departmental inquiries via telephone, email or other such appropriate methods
19

Rohq Fcr Fundamental Credit Review Analyst Resume Examples & Samples

  • Identify and analyze situations that create risk and legal liability for Citi, utilizing various resources such as credit reports, score cards, risk systems, and knowledge of the elements of risk
  • Communicate findings of analysis to lead reviewers
  • Support lead reviewers and regional teams with Business Monitoring and Review (Planning, Fieldwork and Post Fieldwork) activities including
  • Some knowledge of Citigroup credit policies and procedures is preferred
  • Detail-oriented with ability to work independently and prioritize workload
  • Familiarity with Citi risk systems including data mining and assessment
  • Highly proficient in MS Office (Word, Excel and PowerPoint)
20

Rohq Fcr Fundamental Credit Review Analyst Resume Examples & Samples

  • Identify and analyze situations that create risk and legal liability for Citi, utilizing various resources such as credit reports, score cards, risk systems and knowledge of the elements of risk
  • Function as a key contributor with demonstrated knowledge of area of specialization, as well as broader functional knowledge
  • Ensure work product of analyst pool meets quality and consistency standards
  • Demonstrable financial services experience including 5 years of credit experience
  • Energetic, responsive team player with the interest to take initiative and work in a fast-paced environment
21

Credit Risk Review Analyst Resume Examples & Samples

  • Credit File Review
  • Support senior team members in evaluating activities of lending and transaction support personnel in Front Office and Credit Risk, ensuring compliance with policies, approvals, monitoring and risk assessment
  • Identify existing and/or emerging issues relating to credit quality and risk including but not limited to
  • Strong communication skill, detail orientation, ability to work independently and work on multiple priorities
  • Understating of financial accounting principles
  • Demonstrated academic and work experience in corporate finance, financial statement analysis
  • Strong excel and power point skills
  • Credit risk experience in a wholesale lending environment will be a strong advantage
22

CoB Quality Review Analyst Resume Examples & Samples

  • Follow up with CoB Sector and Region Leads to ensure critical and high risks are appropriately and directly mitigated
  • 5+ years experience in Business Continuity, Disaster Recovery, Business Resiliency, and/or Supplier Risk Management, preferably within a Business and Technology Risk Management environment
  • Relevant experience at Citi’s industry peers is a plus
  • 5+ years experience working with internal/external audit/regulatory groups is preferred
  • Broad knowledge of the interactions of Business and Technology organization; ability to manage expectations and maintain key relationships; strategic and critical thinking skills
  • Knowledge of standard Risk Management / Control frameworks and regulatory guidelines are a plus
23

Quality Review Analyst Resume Examples & Samples

  • Serves as quality subject matter expert with clinical and operational teams, program design, learning and development and compliance teams
  • Conducts quality reviews, evaluates gaps and identifies improvement opportunities in clinical documentation and identifies opportunities to close gaps and promote service excellence through quality review observations
  • Bachelor’s Degree in Business, Health Administration, or related field required
  • Advanced computer skills; able to navigate multiple applications and advanced knowledge of Microsoft Excel and PowerPoint
  • Experience manipulating data and working with databases
  • Ability to read, analyze and interpret state contractual documents, data reports, complex compliance procedures, and governmental regulations
  • Strong problem solving and strategic analysis capabilities
  • Demonstrate strong verbal, written, and presentation skills; able to interact effectively with multi-disciplinary team members and management
  • Able to write documents, quality review reports and presenting data/information and executive summaries to key stakeholders
  • Demonstrates accuracy and thoroughness, identifies gaps in compliance and process improvements and fosters quality in others
  • Work within deadlines, be resourceful, demonstrate independence, and use self-management skills
  • Maintain a 5 day per week work schedule consistent with the Eastern time zone work hours
  • Ability to travel as required by the business, anticipated to be less than 5%
  • Must have a separate room with a locked door that can be used as a home office to ensure you have absolute and continuous privacy while you work
  • Provide high speed DSL or cable modem for a home office (Satellite or wireless internet service is NOT allowed for this role); and recommended speed for optimal performance from Humana systems is 10mbs download x 1mbs upload
  • Prior regulatory compliance and/or quality assurance experience working with NCQA accreditation, audits, structure, process, and/or presentations
  • Knowledge of Microsoft products: SharePoint, OneNote, Project and Visio
  • Managed care experience preferred
24

Enterprise Risk Management Credit Risk Review Analyst Resume Examples & Samples

  • Analyze financial information on assigned loans to ensure information is consistent with that used for underwriting
  • Review imaged loan documents for collateral perfection
  • Compare loan documentation terms with those on co-approval forms
  • Utilize ongoing portfolio monitoring reports to identify segments and individual relationships that may exhibit elevated risk levels for detailed loan file review
  • Monitor reports and data on assigned segments of business lending
  • Produce reports on the results of loan file reviews and portfolio monitoring for use of Credit Risk Review personnel
  • Bachelor's degree in accounting or business, or equivalent education and related training
  • Two years of commercial lending experience
  • Basic knowledge of balance sheet, income statement and cash flow information
  • Basic knowledge of underwriting commercial loans to middle market, corporate and commercial real estate borrowers
  • Experience in BB&T lending functions
  • Knowledge of BB&T's credit culture
  • Knowledgeable of BB&T's standard software packages
25

Managed Review Analyst Resume Examples & Samples

  • Managed Review Analyst will be primarily responsible for reviewing client documents in Review Platform and categorizing documents as per instructions from client
  • The Analyst will be responsible for meeting productivity and quality targets set for the Project, and helping Team Leads ensure the targets are met by the team
  • The Analyst is expected to have thorough knowledge or Relevancy, Privilege, and Privacy concepts and should be a subject matter expert in Document Review
  • The Analyst is expected to attain full knowledge of use of advanced review features in Review Platform and help innovate in building strong processes with use of advanced review tools
  • The Analyst is expected to fully contribute in quality checks and quality control methods and support Team Leads in management of the team
  • The Analyst is expected to assist in database management and analysis, batching, quality analysis and production processes
  • Assist in running searches as per search strategy
  • Law Graduate from any recognized University
  • 5 years e-discovery experience
  • Ability to work under pressure and meet strict deadlines
  • Aptitude to mentor, show good professional sense
  • Comfortable using various review platforms, must have good knowledge of Searching and features like Clustering, Threading, Link Maps, Data mining in tools
  • Thorough knowledge of Privilege checks
26

Credit Risk Review Analyst Resume Examples & Samples

  • Day-to-day execution on special projects and ad hoc initiatives
  • Coordinates team-level activities: training, communications, etc
  • Manages Credit Review data; generates reports as both inputs and outputs to/from cycled exams and continuous monitoring; aid in sample selection
  • Perform ongoing QA/QC on completed Exams work papers
  • Prepare executive summaries, periodic reports, and presentations summarizing findings and recommendations to Board and its Risk Committee and executive management
  • Evaluate the adequacy and effectiveness of credit tracking systems
  • Provide assistance to lending and credit personnel, auditors, and regulatory examiners
27

Rohq-fcr-fundamental Credit Review Analyst Resume Examples & Samples

  • Mentors junior team members across multiple products/platforms
  • BA/BSc degree, potentially higher degree in Business (MBA), Finance or any other related subject
  • Sound understanding about different markets, products, strategies, tools and associated risks
  • Language skills is a plus
28

CoB Quality Review Analyst Resume Examples & Samples

  • Conduct qualitative risk based quality reviews on CoB plans & testing documentation focusing on assessing business recovery capability soundness (recovery times, functionality, impact assessment) and/or application recovery capabilities soundness (technology recovery times, database recovery points, application data storage capacity, application processing capacity, application functionality) in order to gauge invocation readiness
  • Conduct technology, business and/or supplier reviews as needed
  • Follow up key stakeholders (e.g., Business Unit Heads, CoB Sector/Regional Leads, key stakeholders) to ensure risks are appropriately mitigated and addressed
  • Perform routine updates on monthly operations reports, project plans, status and issues / risks
  • Assist in evolving the metrics to proactively gauge effectiveness of operational resilience and readiness
  • Minimum 3+ years’ experience in Business Recovery, IT Risk Management, Technology Disaster Recovery, Service Level Availability Management and Vendor Management in the global financial services industry
  • Confirmation of business recovery capabilities (recovery strategies, testing, end user computing, etc.) and application recovery capabilities (technology recovery times, database recovery points, application data storage capacity, application processing capacity, application functionality
29

Cob-quality Review Analyst Resume Examples & Samples

  • Coordinate with Third Party (Supplier) stakeholders to initiate, track and review assessments of existing suppliers
  • Obtain and review supplier responses and supporting documentation to validate supplier adheres to Citi policy and regulatory requirements associated with Third Party (Supplier) relationships. Analyze the information to identify Third Part (Supplier) weaknesses or non-compliance with Citi standards
  • Communicate supplier assessment issues to stakeholders, ensuring their understanding of associated risks and actions needed to remediate those risks
  • Conduct and review evidence associated with third party assessments across all Global Products/Functions for CoB aligned Supplier Relationships
  • Prepare and present assessment and review findings to management
  • Follow up internally (with Business and supporting teams) to ensure critical and high risks are appropriately and directly mitigated
  • Participate in the development/improvements of assessment methodology and tools
  • Participate on special projects as assigned
  • Bachelor's degree in a related field, or relevant experience required
  • Minimum 5 years’ experience in Business Continuity, Disaster Recovery and/or Supplier Risk Management with a strong understanding of Supplier and/or Technology Risk Management practices
  • Strong technical and/or IT audit/assessment background in/practical knowledge of a wide variety of technologies. Technologies include server infrastructure and operating systems, network, strategy and testing
  • Excellent verbal and written communication skills; solid influencing, facilitation and partnering skills
30

Comprehensive Capital Analysis & Review Analyst Resume Examples & Samples

  • Preparation of monthly reports such as PBR data quality (DQ) reconciliation and GCBC Basel Reporting reports
  • Coordinate all efforts for data remediation
  • Coordinate the bi-annual CCAR MSBF stress tests and other ad-hoc stress tests
  • Perform quarterly edit checks for Commercial Real Estate (CRE), Retail and Commercial Loan Portfolios (CLP)
  • Coordinate Windows of Risk (WOR) for CRE quarterly
  • Verify completeness and accuracy of all CCAR data for Asia Pacific (AP) region of Private Bank
  • Drive efforts to ensure accurate data is reflected in regional source systems including, but not limited to credit systems and product processors
  • Coordinate with business data owners to validate data and correct in upstream applications as necessary
  • Ensure all data reflected in regional 14Q and 14A processes adheres to regulatory definitions
  • Address discrepancies between regional Risk and Finance (Y9C reporting) that impact CCAR reporting
  • Drive data quality and automation initiatives within the region to address CCAR requirements
  • Act as lead for all CCAR initiatives interacting with the NY Risk Analytics team
  • Coordination and UAT for projects such as CM Illiquidity Stress Testing, CCAR MSBF Strategic Stress Test, RBR Migration, Secured Financing Transaction (SFT), various CCAR Tracks
  • Up to 2 years of experience in a Risk, Capital Markets or Margin Finance role in Banking or Brokerage business
  • Effective communication skills with multiple management levels
31

Periodic Review Analyst Resume Examples & Samples

  • Ensure that the correct level of approvals have been given depending upon the determined risk of the client
  • 3 - 5 Years KYC or AML Compliance skills, ideally gained from working in a similar role
  • Strong communication skills, both written and oral; preferably fluent in Spanish
  • Good interpersonal skills
  • Able to work with strict deadlines
  • Strong PC skills including Excel, Word, Powerpoint
32

Ad Review Analyst Resume Examples & Samples

  • Promptly reviews and approves material submitted to Advertising Compliance, of a difficult, complex nature
  • Participates in the development and management of controls, systems, procedures, files, and records as required by FINRA, state insurance departments, AEGON USA and Law Department policy and procedures
  • Performs special projects as assigned by the Director
33

Fundamental Credit Review Analyst Resume Examples & Samples

  • Validate risk ratings by analyzing financial statements to determine accuracy of inputs to the Debt Rating Model
  • Work experience in Banking, Finance, Accounting, Economics, Business Administration, Computer Science or similar preferred
  • Bachelor’s Degree in Finance, Accounting, Economics, Business Administration, Computer Science or related field
  • Work experience in Credit or financial statement analysis is preferred
  • Proficient in Microsoft Office (Excel, Power Point, Access, Word, Visio, etc.)
  • Language skills a plus (Mandarin, Korean, Spanish, Portuguese)
34

Quality Review Analyst Resume Examples & Samples

  • Bachelor’s degree (preferably in Accounting) or equivalent work experience
  • Combination of 5- 7 years of experience in internal auditing, public accounting and/or complex reconciliation procedures
  • Considerable knowledge of account reconciliations and automated reconciling tools
  • Professional Certification as a CPA
  • Excellent communication skills; ability to interact with all levels of management
  • Ability to manage multiple tasks and deadlines simultaneously
  • Ability to work independently, with minimal guidance
  • Knowledge of Accounting/Finance, banking back office operations
35

High Risk Closure Review Analyst Resume Examples & Samples

  • Reviews initial and ongoing EDD reviews of the highest-risk customers in the Payment Services lines of business
  • Conducts multi-business line meetings to review high- and moderate-risk customers recommended for closure
  • Create documented closure processes and procedures
  • Ensures Payment Services lines of business are in compliance with applicable laws, rules, regulations, and corporate policies related to AML-related closures
  • Works with Corporate AML to obtain analysis of laws and regulations and interprets policy requirements to support EDD compliance on an ongoing basis
  • Partners with Payment Services lines of business and Corporate AML to address issues identified through regulatory and audit testing and analysis
  • Ensures that EDD compliance files are maintained, thoroughly documented, and AML risks are responded to in a timely manner and mitigated where applicable
  • Bachelor’s degree, or equivalent, relevant work experience
  • Prior presentation experience
  • Proficient in Spanish and English
36

Principal Review Analyst Resume Examples & Samples

  • Candidate will be responsible for the review of new investment account applications to ensure compliance with Financial Industry Regulatory Authority (FINRA) rules and regulations, and the firm’s policies and procedures. Candidate will review Option and Margin upgrade requests to determine customer eligibility. The candidate will identify, document, and resolve application inquiries and communicate with internal departments such as Customer Service, Fraud, Operations, Compliance and Legal
  • Provide Principal approval to various account updates including Power of Attorney requests and changes in registration to existing accounts
  • Candidate will be responsible for participating in the updates of departmental policies and procedures, as well as ensuring all internal and regulatory audits are compliant
  • Candidate will be required to perform against key performance indicators and metrics
  • Strong decision making and critical thinking competencies
  • Must be a dynamic and self-starting individual
  • Must possess the ability to work in a production-oriented environment & meet tight processing deadlines
  • Excellent organizational skills and prioritization techniques to adapt to changing priorities
  • Excellent verbal and written communication skills especially pertaining to team and interdepartmental communications
  • Ability to work on multiple initiatives simultaneously
  • Series 7 and 63 required
  • Series 24 and 4 preferred
37

Corp Trust Review Analyst Resume Examples & Samples

  • Five to seven years of corporate trust, audit or risk management experience
  • Advanced working knowledge of corporate trust compliance, audit and risk, and related policies, procedures and regulations
  • Experienced in working with internal units as well as examiners and auditors
  • Ability to manage multiple tasks, projects and deadlines simultaneously
38

Corp Trust Review Analyst Resume Examples & Samples

  • Three to five years of corporate trust, audit or risk management experience
  • Thorough knowledge of corporate trust compliance, audit and risk, and related policies, procedures and regulations
  • Ability to work closely with internal and external customers, auditors, and examiners
39

BLC Review Analyst Resume Examples & Samples

  • Good knowledge and understanding of the products and services applicable to the assigned area
  • Good knowledge of the productivity and accuracy standards of the assigned area
  • 1 year Mortgage Servicing experience
40

BLC Review Analyst Resume Examples & Samples

  • Good verbal, grammatical and written communication skills
  • Proficient PC skills, especially Microsoft Office applications and graphics
  • Demonstrated administrative skills and acute attention to detail
  • 1 year experience testing in quality control environment
41

Appraisal Review Analyst, Specialist Resume Examples & Samples

  • Review residential appraisals and pertinent loan documents to develop an understanding of the criteria for determining property eligibility for lending purposes. Prepare collateral review reports summarizing collateral status and a calculation of ineligible collateral
  • Surface issues to management prior to releasing reports
  • Telephone and/or email vendors to obtain additional information, when required
  • Track and follow-up with our customers and business partners to provide status and/or inquire updates on delinquent reports
  • Responsible for meeting productivity standards
  • Working knowledge of personal computer with MS Word and MS Excel
  • Research and analytical skills
  • Detail oriented individual that has the ability to work on multiple projects with deadlines
  • Utilize good written, oral and interpersonal communication skills in order to deal effectively with customers, bank employees of all levels and our business partners
  • Ability to assist in coordinating staff efforts to meet deadlines
  • Understanding of valuation methodology
  • Knowledge of FNC’s CMS platform
  • Excellent verbal and written communication skills speaking and writing clearly and persuasively
  • Extensive knowledge of all relative appraisal and industry guidelines
42

Project Review Analyst Resume Examples & Samples

  • Determines eligibility of Condominium projects based on documentation review/analysis and communicates results to the appropriate individuals
  • Addresses and resolves inquiries via phone or email related to Condo Project investor guideline eligibility from internal and external associates; including Sales, Processors, Underwriters, Brokers, and Correspondents
  • Performs initial project reviews and conditional approvals within the agreed upon turn times to maintain a high level of service
  • Performs related duties as assigned by supervisor
  • Three (3) or more years of mortgage industry experience required
  • Co-op documentation review and analysis experience a plus
  • Knowledge of Fannie Mae, Freddie Mac and Jumbo Investors condominium guidelines and exception policies are required along with familiarity with HOA questionnaires
  • Ability to independently evaluate alternatives and recommend solutions
  • Strong problem solving and conflict resolution skills
  • Strong organizational skills with close attention to detail
  • Proficient in Microsoft suite of product; Outlook, Word, Excel, PowerPoint etc
43

Quality Review Analyst Resume Examples & Samples

  • Self-motivated; able to work both independently to complete tasks and respond to department requests and to collaborate with others to utilize their resources and knowledge to identify high quality solutions
  • Telecommunications industry experience preferred
  • Project management experience with focus on data integrity and process improvement preferred
  • Experience interpreting legal documents, including real estate leases and contracts preferred
44

Loan Review Analyst Resume Examples & Samples

  • Bachelor’s Degree is required
  • Additional banking industry sponsored training is preferred
  • Background in finance and accounting which provides a basis for commercial and/or consumer loan underwriting and analysis is required
  • Must have 3+ years of experience in a commercial lending and/or commercial loan review/audit environment including credit analysis, credit decisions and loan documentation
  • 5+ years of experience utilizing loan accounting and/or similar application systems is preferred
  • Familiarity with deposit and loan operations (payments, payoffs, new accounts, wire transfers, etc.) is preferred
  • Must have excellent oral and written communications skills as well as excellent customer service skills
  • Must have the ability to resolve problems quickly
  • This position requires regular lifting and moving of 10-25 lbs
  • Specific vision abilities required by this job include close vision, distance vision, depth perception and ability to adjust focus
45

Credit Risk Review Analyst Resume Examples & Samples

  • Perform continuous monitoring of the Bank's portfolios through observation of quality control meetings
  • Monitor historical performance through review of various credit metrics and credit risk reporting, inclusive of new originations
  • Follow up and track recommended remediation from prior reviews
  • Review various management credit risk reporting to identify emerging risks
  • Assess asset quality, status and appropriateness of existing risk controls/compliance with established underwriting policies/risk tolerance
  • Ensure underwriting credit analysis is sound and justifies/mitigates the identified credit risk
  • Ensure integrity of portfolio monitoring and quality control processes. Ensure appropriate charge-offs are taken timely
  • Ensure appropriate collection, default management, and foreclosure strategies are in place and followed
  • Participate in onsite examinations
  • Review required documentation for loan review testing, inclusive of file reviews and complete necessary line sheets
  • Prepare written summary report of findings/observations
  • Bachelors degree in Accounting/Finance/Economics or Equivalent Experience
  • 5 - 10 Years Specialized Knowledge in loan origination or underwriting
  • Ideal candidate will have Consumer Auto experience
  • Preferred candidate will have strong SQL experience
  • Ability to effectively interact and communicate with credit risk personnel across the Bank
  • Understanding/competency in regulatory matters and compliance
  • Working knowledge of Retail Loan policies/procedures
  • Working knowledge/ industry expertise of regulatory matters related to consumer lending, mortgages, credit cards, auto loans, and leasing
  • Preferred experience concentrated in retail credit risk functions, retail loan review, regulatory environment or consumer lending
46

Appraisal Review Analyst Resume Examples & Samples

  • Ensures that appraisal requests for proposals and responses are received in a timely manner
  • Reviews appraisal reports submitted by vendors and/or independent field appraisers to determine the quality of the appraisal work and that it meets Regions' policy
  • Communicate with vendors and/or field appraisers regarding appraisal work
  • Ensures that assignments are engaged properly when sufficient responses have been received
  • Follows up with vendors and/or independent field appraisers to ensure that appraisals are received within committed time frame
  • Ensures that the external invoices are properly processed and that assignment documentation (outside appraisals, internal reviews) are posted and delivered to the field as needed
47

BRB KYC Review Analyst Resume Examples & Samples

  • Collecting relevant document and information
  • Identifying PEPs and Negative News
  • Review and process incoming documents for clients
  • Provide client advisors support with document management
  • Offer advice and support to client advisors when carrying out administrative tasks in connection with client care
48

Loan Review Analyst Resume Examples & Samples

  • Perform detailed full-scope and limited-scope loan reviews of Commercial & Industrial, Commercial Real Estate and Construction loans
  • Recommend appropriate risk ratings based on the credit quality of loans reviewed
  • Maintain accurate lists of financial and documentation exceptions determined during loan reviews
  • Assist in the preparation of loan review reports
  • College degree in accounting or finance preferred but not mandatory
  • Two to five years of bank commercial lending experience with some credit risk analysis exposure to include regulatory definitions and application of risk ratings
  • Good working knowledge of commercial and real estate lending products. Knowledge of financial statements, cash flow, appraisals, loan documentation and regulatory requirements. Ability to maintain high-volume work flow. Ability to work independently. Excellent interpersonal, verbal and written communication skills. Experience with Word, Excel and related computer applications
49

Grants Business Review Analyst Resume Examples & Samples

  • 10 yrs. of Experience with Federal, State, or Local Government Grants Management or with
  • Experience in federal property and equipment management
  • Financial investigative or federal auditing skills
  • Business Process Analysis
  • Cost Estimation and Validation
  • Familiarity with the Uniform Guidance
  • CPA, PMP, CGMS, EVMP certifications
  • Document process activities to be improved and related written materials
  • Recommend improvements, edits and revisions for the processes and procedures
50

Branch Review Analyst Resume Examples & Samples

  • Must be very detailed oriented with strong problem solving, analytical and organizational skill
  • Self-motivated with the ability to prioritize and manage multiple tasks simultaneously
  • Must have effective PC skills, experience using Outlook, MS Excel, MS PPT, MS Word and SharePoint
  • Previous work history with Audit, Risk, or a control function a plus
  • Excellent communication and interpersonal skills with the ability to effectively and confidently with the personality to challenge requests and the status quo
  • Strong understanding of internal control concepts with demonstrated superior analytical skills, combined with an understanding of operational risk management practices
  • Attention to detail with the ability to multi-task and work well in a fast paced organization
  • 2-3+ years of overall experience with a strong background in controls, analytics, and data analytics
51

Appraisal Review Analyst Resume Examples & Samples

  • Creates and maintains databases and spreadsheets; provide periodic reports to management
  • Coordinates, monitors and completes daily reports used in the work unit
  • Creates and maintains policies, procedures and training materials to maximize efficiency and customer service
  • Works with supervisors and/or managers to ensure that teams comply with the stipulated principles and standards
  • Fully proficient in Microsoft Office (Word, Excel and Power Point)
  • Problem solving and investigative skills
  • Report writing, including charts, graphs, etc
  • Aptitude for math and the ability to review and understand numeric data, graphs, and statistics
  • Proactive and adaptable
  • Excellent communication skills – must be able to translate complex issues to multiple levels in the organization
52

Credit Review Analyst Resume Examples & Samples

  • Review security
  • Review credit grade
  • Review Discounted Cash Flow
  • Check NBP (system balances)
  • Complete a checklist
  • Credit expertise
  • Good commercial awareness and have an ability to interpret and understand distressed credit scenarios
  • Ability to make consistent quality decisions within tight timeframes
  • Display evidence of high standards of professionalism and an understanding of the need to comply with governance, regulation, policy and standards
  • Be solution focused with strong interpersonal skills
  • Focus on teamwork as part of a diverse team and to deliver high quality outputs
  • Highly computer literate
53

Senior Risk-loan Review Analyst Resume Examples & Samples

  • Responsible to execute testing for loan reviews; detect, quantify, and report issues as needed
  • Identify risks associated with potential issues
  • Assist in the development of the loan review scope and testing approach
  • Ensure testing is performed in its entirety while meeting timelines for each review
  • Ensure workpaper documentation is in accordance with loan review policy and standards
  • Review workpapers evaluating test results for appropriateness of testing conclusions, ensuring issues are accurately identified, including root cause and risk impacts and recommendations are appropriate
  • Develop an understanding of and comply with Ally's loan review approach, methodology and tools/technology
  • Maintain regular communication with Ally loan review management, participate in meetings and interact with Business Units
  • Develop and maintain proactive working relationships with personnel across Ally
  • Draft reporting documents and assist in preparation of final loan review reports
  • Evaluate the completeness of management's corrective action plans
  • Ensure issues identified during reviews are followed through to management implementation and reach conclusions that the issues have been remediated and closed
  • Perform ad hoc projects as assigned to assist loan review in analyzing Ally's risk and control environment
  • Participate in the preparation and analysis of loan review's continuous monitoring program. Analyze trends within the lending portfolios and credit related processes, and provide assessment of the asset quality
  • Bachelor degree or commensurate work experience
  • 5-7 years of experience within a loan review function or credit related roles such as credit underwriting, risk management, or auditing credit / credit related processes
  • Demonstrates an understanding of analytical techniques including SAS, Access, Excel and/or SQL which will allow for the pulling and analysis of credit related data
  • Must have the analytical ability to develop and execute testing plans over high volume consumer lending data populations and complex commercial borrower relationships
  • Understanding of risk management concepts and key performance drivers within consumer and commercial lending portfolios
  • Familiarity with risk and control concepts
  • Demonstrates the ability to work collaboratively and effectively at all levels of the organization
  • Strong project management skills; detail-oriented, deadline driven, self-motivated, and organized individual
  • Critical thinking, negotiation, and conflict resolution skills
54

Credit Risk Review Analyst Resume Examples & Samples

  • Experience or knowledge in credit analysis, ratings analysis, corporate finance and/or research
  • Experience with internal audit or credit/loan risk review process preferred
  • Knowledge of bank regulations as it relates to risk management ? Functional background or relevant experience in finance and accounting
  • Knowledge of lending products, as well as capital markets/traded products
  • Understanding of credit/loan documentation
  • Strong organizational skills and the ability to manage multiple assignments concurrently
55

Review Analyst Resume Examples & Samples

  • Minimum of 5 years health care experience with at least 3 years of clinical experience required
  • Two years experience in Utilization Management, Case Management, or Managed Care preferred
  • Knowledge of Facets and CareAdvance preferred
  • Have good PC knowledge. PC proficient with MS Office skills preferred
  • Excellent problem-solving abilities
56

Comprehensive Capital Analysis & Review Analyst Resume Examples & Samples

  • Coordinate all Management & Regulatory reporting requirements (daily/monthly/quarterly/ semi-annual/ annual)
  • Prepare and analyse ad hoc risk management requests by Senior Management, internal and external auditors/ regulators
  • Prepare Risk Presentation Decks for internal and external stakeholders
  • Conduct periodic stress tests and rapid portfolio reviews
  • Assist with Portfolio Review materials for Margin & Securities Backed Finance (MSBF), Commercial and Residential Real Estate and all other CPB Investment Finance Product Programs
  • Handle Margin Call related reporting, Line excess & exception monitoring/reporting
  • Resolve data quality issues in eOASIS and PBR systems
  • Cross-border and 23A Limit daily monitoring of adherence to approved limits
  • Must be able to quickly identify trends and statistics in large data sets and communicate those trends in an effective manner to a wide audience. Must be able to convey risk reporting concepts and findings to senior management
  • Advanced user of Microsoft Excel (pivot tables, advanced look and conditional formulas, VBA). Skilled user of SQL/SAS, Access, PowerPoint, SharePoint, and Adobe Standard
  • Meticulous and diligent
57

BRB KYC Review Analyst Resume Examples & Samples

  • Collecting relevant documents and information
  • Identifying PEP's and Negative News
  • Reviewing and processing incoming documents for clients
  • Supporting client's advisors with document management and any other queries while carrying out administrative tasks
58

Branch Review Analyst Resume Examples & Samples

  • Execute tests to identify control issues within the branches
  • Use documentation and video footage to identify instances of branches not following appropriately policies
  • Identify additional testing opportunities based on findings from tests completed
  • Aggregate testing results into standardized reporting for use by management and the larger First Line of Defense team
  • 2-3+ years of experience in controls and business analysis
  • 6 6+ years of overall experience
59

Pre-periodic Review Analyst Resume Examples & Samples

  • Review periodic review calendar and schedule/assign relationships to PPR Analysts
  • Provide reports to Senior Management on timeliness and quality of reviews performed
  • Review of KYC profiles ensuring information and documentation meets current requirements including Source of Wealth description, client financials, ID copies, and entity formation documents
  • Review quality of AAM Forms and related breaks to ensure expected client activity is clearly articulated and appropriate actions are taken when actual activity exceeds anticipated activity
  • Oversee the communication with Banker teams on required updates with follow-ups to validate all actions are complete
  • 10+ Years KYC, AML or Compliance skills, ideally gained from working in a similar role
  • Strong Leadship skills
  • Spanish and/or Portuguese Languages are a plus
60

Quality Review Analyst Resume Examples & Samples

  • Performs quality review of all BSA/AML investigative work completed by the Financial Intelligence Unit, including suspected fraud cases and pending suspicious activity reports, anti-money laundering alerts and investigation documentation, enhanced due diligence investigation and review documentation, and pending 90 day suspicious activity reports
  • Notify analysts of any necessary corrections and/or exceptions and take corrective action when necessary
  • Monitor and track Customer Identification Program (CIP) exceptions on all new accounts, and work constructively with account officers to remediate all deficiencies
  • Monitor and track cleared CIP exceptions and updates to customer information file system records
  • Assist the Team Leader with responses to 314(a) inquiries and taking action as instructed by law enforcement
  • Assist the Team Leader with responses to 314(b) inquiries and taking appropriate action to protect the bank from potential losses
  • Assist the Team Leader with required OFAC screenings and resolution of potential hits. In the case of a “hit” assist with taking the appropriate actions prescribed by law enforcement
  • Works constructively with internal staff and management
  • Incumbent is responsible for organizational integrity and business ethics as it relates to this position, and communicating this commitment to any applicable subordinates
  • Incumbent may have access to cash, customer accounts and/or sensitive and confidential information
  • All other duties/special projects as assigned
  • Incumbent is required to comply with all applicable federal, state, and local banking and industry related laws and regulations including but not limited to the Bank Secrecy Act
  • 3-5 years of experience in banking, preferably experience in working with BSA compliance issues
  • BSA/AML certification from a financial industry group (CRCM, ACAMS) desired
  • Experience in composing documents and/or summaries
  • Working knowledge of BSA, AML, OFAC, and USA Patriot Act laws and regulations
  • Working knowledge of bank operations
  • Comprehensive understanding of banking industry
  • Federal Banking Regulations
  • Regulations applicable to the function being performed
  • Good written and oral communication skills, including telephone skills
  • Good PC skills including Microsoft Office (Word, Excel, Access)
  • Ability to compose detailed Excel spreadsheets and to effectively transport data from databases and applications
  • Ability to construct detailed reports for investigative analysis
  • Ability to effectively manager time
  • Self-motivated and work independently with moderate supervision
  • Ability to communicate effectively with internal colleagues and managers
61

Quality Review Analyst for CPS New Business Issue Team Resume Examples & Samples

  • ) Confidence, poise, and professionalism when interacting with customers and leaders in a global environment
  • ) Willingness to learn new skills, both quantitative and qualitative in focus
  • ) Strong communication, customer management, and meeting facilitation skills
  • ) Ability to establish effective relationships with customers and operations team members
  • ) Strong analytical and reasoning skills
  • ) Ability to act impartially in the evaluation of process and individual performance
  • ) Strong attention to details and listening skills
  • ) Demonstrated the ability to multi-task and rapidly learn diverse tasks/ responsibilities
  • ) Knowledge in project management is a plus
  • ) Knowledge of Quality Tools and Techniques (TQM, Six Sigma, etc) and Process Training or both is a plus
  • ) Knowledge of the process (CPS New Business Issue Team) is a plus
  • With atleast 1 year experience in Operations
  • Experience in processing F & C Cash Applications processes is preferred
  • Performance rating of 3 or higher in the last performance appraisal
  • No final written warning within 1 year from the date of application
  • Not subject to any disciplinary action within 12 months from date of application
  • Has a good attendance record. No tardiness memo incurred
  • Successful applicant must be able to join by May 1, 2017
62

Branch Review Analyst Resume Examples & Samples

  • · Execute tests to identify control issues within the branches
  • · Use documentation and video footage to identify instances of branches not following appropriately policies
  • · Identify additional testing opportunities based on findings from tests completed
  • · Aggregate testing results into standardized reporting for use by management and the larger First Line of Defense team
  • · Knowledge of branch banking operations, risk and controls is required
  • · Must be very detailed oriented with strong problem solving, analytical and organizational skill
  • · Possess the ability to set priorities and work with limited direction to achieve desired goals and results
  • · Self-motivated with the ability to prioritize and manage multiple tasks simultaneously
  • · Must be comfortable working as a remote employee
  • · Flexible in nature with the ability to thrive in a fast-paced and changing team environment
  • · Must have effective PC skills, experience using Outlook, MS Excel, MS PPT, MS Word and SharePoint
  • · Previous work history with Audit, Risk, or a control function a plus
  • · Excellent communication and interpersonal skills with the ability to effectively and confidently with the personality to challenge requests and the status quo
  • · Strong understanding of internal control concepts with demonstrated superior analytical skills, combined with an understanding of operational risk management practices
  • · Demonstrated strong analytical and problem solving skills
  • · Attention to detail with the ability to multi-task and work well in a fast paced organization
  • · 2-3+ years of overall experience with a strong background in controls and business analysis
63

Quality Review Analyst Resume Examples & Samples

  • Monitor agent health issues
  • Proactively outreach to partners for fixes
  • Answer partner questions
  • Alert monitoring and escalation
  • Review new bots/agents
  • Escalate appeals and rejections
64

Senior Bill Review Analyst Resume Examples & Samples

  • Complete a minimum standard of 200 reviews per day.Claim number and provider information must be checked for accuracy. Application of state guidelines, PPO's and UR decisions to the medical bills
  • Ability to think through processes and documentation
  • Must be able to take direction and add thought to process
  • Effective and accurate verbal and written skills
  • ADAPTABILITY: Maintain effectiveness when experiencing major changes in work tasks or the work environment. Adjust effectively to work within new structures, processes, requirements or cultures. Able to change priorities to meet multiple deadlines while being responsive to customer needs
  • COMMUNICATION: Clearly convey information and ideas through a variety of media to individuals or
  • Previous work in medical claims or medical billing
65

Clincal Review Analyst Resume Examples & Samples

  • Evaluate HP work history dates, sites and settings to identify gaps in accuracy and eligibility in order to request necessary information & to assign appropriate skill set on new applications and reapplications
  • Identify process improvement opportunities by evaluating processes and guidelines in order to propose value-added solutions that increase volume, turnaround time and/or accuracy
  • Review convictions, license disciplinary actions, references, PLI (professional liability insurance) history and other derogatory information to determine whether to make a decision on continued eligibility or to escalate to appropriate internal decision makers
  • Processes pre-start cancels, communicates to all stake holders and investigate HPs incurring pre-start cancels to determine eligibility for future assignments; escalating when necessary to Clinical Manager/Director or Clinical Risk Review Committee
  • Prioritize incoming review requests by evaluating business need and urgency in order to increase speed to market
  • Enters, maintains and communicates with team members as appropriate for CLNs with requirement for Medical Release or Work Place Accommodation
  • Generates and manages reports for Clinical Services Department
  • Manages basic Checkster administrative support
  • Reviews and processes returned evaluations and maintains biennial evaluations according to established protocol for updates
  • Respect ? Passion ? Continuous Improvement ? Trust ? Customer Focus ? Innovation
66

Credit Risk Review Analyst, Manulife Bank Resume Examples & Samples

  • Responsible for the regular review of a representative sample of loans and assessments of recently funded mortgage origination, loan underwriting and adjudication quality through the evaluation of documentation, compliance to company policy, standard, procedures and adherence to all financial industry regulations
  • By review of individual loans using an established review methodology, assist in identifying actual and potential loan problems at the earliest possible time by making recommendations to remediate credit weaknesses
  • Investigate, evaluate and analyze documentation provided by the client to ensure all legal, Anti-Money Laundering and Know-Your-Client legislation requirements have been satisfied and refer suspected fraud applications and mortgages to business partners
  • By review of individual loans and interaction with various lending areas, assist in measuring compliance with established loan policies/procedures and with financial industry regulations
  • Recommend changes to policy, standards, operational processes and procedures as needed within the origination and adjudication function based on deficiencies or gaps noted through the loan review process. Document findings from all completed reviews and communicate as needed to the Credit Portfolio Manager
  • Build and maintain relationships and work collaboratively with all lines of business to analyze root causes, patterns or trends to assist in the development and implementation of recommended solutions to problems uncovered during the loan review process. In addition, the analyst to make recommendations on ongoing enhancements to the Quality Assurance program as required
  • Ensure all mortgage and loan reviews are conducted in a timely, efficient and objective manner
67

PCS Principal Review Analyst Resume Examples & Samples

  • Minimum of four years proven and progressive financial sales and retail brokerage experience or equivalent, including a strong background in investment sales
  • Bachelors degree in business, finance, accounting, related field or equivalent experience
  • Series 7, 63, 9 and 10 licenses; series 53, 66, 24 and 4 licenses preferred
  • Strong communications, problem-solving, lateral thinking, organizational and interpersonal skills
  • Self-motivated and able to work in a team-based environment
68

Loan Review Analyst Resume Examples & Samples

  • Review Commercial and Retail loan files to determine credit quality, adequacy of loan documentation, adherence to loan policy, and lending regulations
  • Assist in the development, maintenance, and review of loan computer records for proper classification and coding of loans for management reporting purposes
  • Evaluate the underwriting standards and activities of lending personnel including compliance with lending policies and the quality of loan approval, monitoring, and risk assessment
  • Prepare written reports of loan review findings and recommendations, including time frames for correction
  • Complete other projects and reports as assigned by the Director of Loan Review, Board of Directors, and Senior Management
  • Loan collateral documentation
  • Multi-task and work independently
  • Analyze and interpret financial information
  • Solve problems independently while applying logic and discretion
  • Perform duties and make decisions under frequent time pressures
69

Suitability Review Analyst Resume Examples & Samples

  • Review all mutual fund trades for suitability and completeness
  • Ensure trades meet the PFSL guideline and are compliant with both PFSL compliance and Securities regulations
  • Responsible to forward all the deficient trades to appropriate staff for resolution
  • Responsible to forward trades to data entry staff on a timely basis
  • Compile Operations daily statistic reports
  • Post secondary education or equivalent knowledge through working experience
  • Minimum 2 years experience in mutual fund industry
  • Must have or be willing to obtain the IFIC and the Branch Manager exam within 6 months of hire
  • Excellent communication and organizational skills
  • Thoroughness and accuracy are vital
  • Highly organized, detail oriented and conscience in a time sensitive environment
  • Proficiency with Microsoft office programs, mainly excel
70

Coo-ciso-dlp Infraction Review Analyst Resume Examples & Samples

  • Preferably 2-3 years of experience in Compliance including monitoring
  • Ability to work in fast paced environment
  • Meticulous and self-motivating
  • Ability to share information and know-how within the team
  • Possess good judgment and able to make sound decisions promptly
  • Strong communication, collaborative and interpersonal skills
  • A positive attitude and a high productivity rate
  • Ability to work in virtual teams and in matrix organisations
  • Fluent in English, both spoken and written
  • Can communicate with global business teams
  • Good understanding in business related information
  • Experience in IT related information is a plus
  • Analytical background
  • Experience in computer based alert monitoring
  • Technical requirements analysis
  • Incident assessment and escalation
  • Understanding multi-vendor technologies; and
  • Certification would be an asset (eg. CISSP, Certified Risk Analyst etc)
  • Analyse and access incident information by reviewing documents based on a principle approach by using systems to find and review all relevant incident data
  • Validate on a case-by-case base to the best of your ability and judgment what are the next steps and thereby following a described process in key operating procedures e.g. escalation, resolution etc
  • Documentation of decisions and follow-up actions
  • Analysis of current process description from the operational perspective and proposing improvements for greater efficiency
  • Report feedback on current process documentation as well as operational experiences to the local project manager
71

Claims Review Analyst Resume Examples & Samples

  • Two to four years of experience in administrative support activities
  • Well-developed reading, writing, and mathematical skills
  • At least 2 years experience in Mortgage Servicing
  • At least 1 year experience in Foreclosure
72

Loan Review Analyst Resume Examples & Samples

  • Assist with general financial analysis of branch or division loan portfolio
  • Provide an independent assessment of the quality of the loan portfolio by performing periodic loan reviews at each branch
  • Produce reports detailing asset quality or risk for the Bank
  • Coordinate projects to build asset/liability models
  • Assist management with reviewing and analyzing loan portfolio information
  • Perform loan reviews to determine asset quality
  • Determine repayment capacity of borrowers
  • Review collateral and credit documentation
  • Determine compliance with internal loan policy and banking regulations
  • Perform any other lending related reviews as directed by executive management or the Board of Directors (i.e., due diligence)
  • Maintain good attendance and punctuality to work
  • Regularly exercise discretion and independent judgment in the performance of other essential job functions
  • Periodic travel
  • Drive an automobile on company business
  • Follow Bank policy, practice and procedure
  • Ability to analyze financial statements and cash flows
  • Knowledge of generally accepted accounting principles
  • Knowledge of collateral and credit file documentation
  • Knowledge of banking laws and regulations regarding lending
  • Ability to perform accurate financial analysis and calculations
  • Excellent computer skills, including experience with Microsoft Word and Excel
  • Ability to collect and research data
  • Ability to identify and resolve problems in a timely manner
  • Ability to complete projects on time
  • Ability to follow Bank policy and procedure
  • Ability to operate an automobile
  • Ability to travel overnight or for several days on short notice
  • Minimum three (3) years experience in loan review or credit analysis with a bank or bank regulatory agency, public accounting and/or corporate finance
  • Associate’s degree in Business, Economics, Finance and/or Accounting required; or an equivalent combination of education and experience. Bachelor’s degree in Business, Economics, Finance and/or Accounting preferred
  • Valid driver’s license and a good driving record
73

Review Analyst Resume Examples & Samples

  • Performs review of suspended claims/services based on programming logic and medical necessity
  • Performs and documents root cause analysis and recommends changes in methods, procedures and policies to reduce suspensions, improve quality, enhance workflow and improve efficiency within the departments
  • Supports departmental goals for cycle time by chronologically organizing claims for review each day
  • Refers clinical denials to consultant for review with all necessary support information
  • Identifies potential claims problems and recommends methods to improve the dental logic to boost system efficiency to the Coordinator or Director
  • Identifies the need for new messages to clarify the Explanation of Benefits
  • Ability to perform reviews of claims and services efficiently and effectively
  • Ability to identify problems within the claims review system and recommend creative solutions to these problems
  • Ability to successfully execute root cause analysis
  • Strong written and oral communication ability
  • Additional equivalent work experience may be substituted in lieu of bachelor’s degree
  • Three to five years’ experience in a clinical dental environment
  • Strong knowledge of claim processing policies and procedures
74

Coo-ciso-junior DLP Infraction Review Analyst Resume Examples & Samples

  • Validate on a case-by-case base to the best of your ability and judgment what are the next steps and thereby following a described process in key operating procedures e.g. escalation, dismissal etc
  • Analysis of false-positives and proposing improvements/fine-tunings to the DLP( Data Loss Prevention) rules
  • Report feedback on current process documentation as well as operational experiences to the manager
75

Senior Loan Review Analyst Resume Examples & Samples

  • Assists management with planning and execution of credit examinations and leads credit review of a variety of lending functions. Acts as liaison between examination team and lending area under examination
  • Conducts review of more complex loans/leases and prepares written reports that detail exam findings and recommends appropriate remediation, when applicable, in all the regions in which TCF operates. Communicates results to the appropriate personnel
  • Conducts underwriting process reviews and prepares written reports on adequacy of process controls and adherence to bank and regulatory policies
  • Conducts complex portfolio risk analysis and provides results along with recommendations, if appropriate, for modifications to credit standards and practices
  • Prepares written reports summarizing quarterly loan/lease review activity in assigned regions
  • Reviews credit policy/procedures and recommends changes as appropriate
  • Trains, provides guidance, and serves as a resource for less experienced staff
  • Manages special projects and performs other duties as assigned. Demonstrated ability to work as part of a team, and adapt to and learn rapidly changing credit environments, systems, and software
  • Four year degree from an accredited institution or equivalent work experience
  • Five years of experience in banking environment – with either lending or credit related experience
  • Computer literate – Word/Excel/Access
  • Attention to detail while adhering to departments goals
  • Thorough knowledge of lending principles and their application
  • College degree in accounting, finance, math, or economics or other banking-related discipline
  • Five years of lending/leasing experience
  • Assists in training of new employees
76

Business Quality Review Analyst Resume Examples & Samples

  • Analyze and synthesize data from the current Producer Activity Monitor (PAM) “Red flags” database and other various alert reports to identify poor quality business, practices and instances of inappropriate agent behavior
  • Manage the business quality of the inforce block of business
  • Manage reporting to ensure transparent communication of issues, decisions, actions, accountabilities, escalations and resolutions
  • Coordinate information from various stakeholders on indicators of potentially inappropriate agent behavior including complaints, requests for investigation, suspicious business activity, questionable selling practices, lack of training etc
  • Prepare and analyze the monthly Business Quality Review scorecard to identify areas of business in need of improvement
  • Manage front-end guards and processes which proactively identify potential business quality concerns
  • Work with key stakeholders to expand the PAM database to improve its predictive value
  • Quantify the benefit of preventive actions taken and estimate the value of visible preemptive actions on future agent practices
  • University degree in Actuarial Science, Math, Business or related discipline
  • 2-3 years of experience in data analytics in a life insurance/financial services organization
  • Life insurance and annuity product knowledge preferred
  • Excellent organizational and interpersonal skills and high degree of independence and initiative
  • Strong analytical and technical data mining skills
  • Effective verbal and report writing communication skills
  • Demonstrated strong problem solving and analytical skills
  • Ability to work effectively with multiple stakeholders and influence without direct authority
77

Credit Review Analyst Consumer Resume Examples & Samples

  • For BHW Consumer (GCB)
  • Monitor and assess portfolio performance, identify and evaluate emerging risks
  • Review and assess the appropriateness, completeness and usage trends of the credit risk components of the Risk Appetite Framework for assigned portfolios
  • Assess effectiveness of the credit risk processes and standards to promote leading practices and identify opportunities for improvement
  • Assess business and risk staffing models to ensure appropriate resources
  • Ensure that Corrective Action Plans are appropriate, monitored and duly validated addressing concerns resulting from FCR Reviews or Business Monitoring activities
  • Ensure that BHW FCR documents including the Fundamental Credit Review Reports meet quality and consistency standards
  • Prepare Credit Assessment Documents in accordance with FCR BHW standards
  • Maintain ongoing contact with other BHW Control Functions and Citi Consultants on relevant issues
  • For Consumer FCR globally (Citigroup)
  • Retrieve portfolio data from Citi Risk and Basel databases and prepare portfolio tables for Global Consumer Group entities on a quarterly basis
  • Run the FCR Consumer Scorecard quarterly based on portfolio information downloaded from centralized credit data repositories
  • Periodically retrieve, analyze and disseminate to FCR Lead Reviewers information from Global Consumer Credit Risk Management systems such as PMACS, Business Monitor or WebPAS
  • Use tools and techniques to effectively identify and assess risk trends within and across consumer credit portfolios
  • Communicate results of analysis and observations to Lead Reviewers
  • Support Lead Reviewers and regional teams with Business Monitoring and Review activities (Planning, Fieldwork, and Post Fieldwork) including
  • Creating and updating FCR documents in the FCR system
  • Collecting and keeping track of Business deliverables during reviews
  • Attending key review meetings (merge, internal and business close) and keep minutes as required
  • Assigning Credit Assessment Documents and overseeing input of work-papers by Guest Reviewers in accordance with FCR quality standards
  • Support the Head of Global Consumer Credit Review Oversight & Execution in special projects
  • 5+ years work experience in Banking, Finance, Accounting, Economics, Business Administration or similar
  • Experience in consumer risk management with hands-on statistical analysis related to consumer portfolios & policies
  • Formal credit training on components of consumer credit cycle
  • Bachelor’s Degree in Finance, Accounting, Economics, Business Administration or related field
  • Knowledge of BHW’s organization and systems preferred
  • Good knowledge of statistical tools and methodology in understanding/analyzing portfolio credit risk
  • Intermediate to advanced proficiency in Microsoft Office (Excel, Power Point, Access, Word, Visio, etc.), SAS and SQL; Visual Basic etc
  • Prior experience in data analytics using SAS/SQL is highly desirable
  • Strong written and verbal communication skills in English- ability to express and communicate concisely and clearly with various levels of management
  • Energetic, proactive and responsive team player with the interest to learn, take initiative and work in a fast-paced environment
78

Permit & Licensing Review Analyst Resume Examples & Samples

  • Experience in the telecom industry, including fiber and wireless
  • Experience in construction
  • Knowledge of civil engineering for construction projects
  • Knowledge of laws, rules, and regulations relating to telecommunications and use of the right-of-way, to include compliance monitoring with applicable rules/regulations
  • Experiencing coordinating and monitoring projects with various stakeholders, tracking milestones, and communicating with various project participants
  • Experience in right-of-way and construction permitting
  • Performs a variety of technical work involved in the acceptance, review, processing and issuance of all types of permits and licenses issued by the city
  • Screens and directs calls and/or public visitors; provides permit information including quoting and calculating fees and suggesting types of permits needed; answers questions and provides information, including applicable codes and regulations
  • Receives citizen complaints and questions, refers them to appropriate department or staff member for resolution
  • Reviews and interprets plans and specifications to determine compliance with related city codes, ordinances, and submittal requirements
  • Red-lines and notes features on plans needing revision in order to meet code requirements, participates in meetings to resolve conflicts with plans
  • Provides information to contractors, property owners, development professionals, and the general public regarding the interpretation and application of city policies, procedures, and licensing requirements
  • Prepares permits for issuance, assists in the scheduling of and keeping of records of reviews or inspections, keeps records of and provides billings of fees; ensures proper filing and logging of plans, and related documents for the permanent record,
  • Assists in the development and maintenance of procedure and policy manuals
  • Reviews development applications to ensure that all required documents are included in the submittals
  • Performs field visits as required to review issues of non-compliance in regards to building, codes, right of way, and zoning law and ordinances
79

Coo-risk & Control Analytics & Review Analyst Resume Examples & Samples

  • Support the BSS Analytics, Risk and Control Specialist in ensuring the effectiveness primarily of the BSS, but also the SOx control processes in DB
  • Assist in the design and performance of BSS backtesting to ensure substantiation is done in accordance with the prescribed policies and guidelines
  • Prepare analytics of end-to-end results of the substantiation process to arrive at insights into emerging issues
  • Help design, develop, and roll out substantiation guidelines for the different account categories to guide the account owners on the minimum standards required to perform the certification properly
  • Coordinate the QA checks of the BSS governance process such as the periodic review and clean up of account owner accounts
  • Help maintain and update the policy,training content, and any necessary updates to the governance and administration of BSS
  • Financial accounting and/or audit experience with a public accounting firm, financial institution, and/or a BPO serving the financial services industry
  • Computer literate, able to navigate office applications such as Excel and Powerpoint
  • Knowledge/familiarity with financial products/processes an advantage
80

Loan Review Analyst Resume Examples & Samples

  • Experience with financial statements, cash flow and key financial ratios
  • Experience with Generally Accepted Accounting Principles (GAAP) or equivalent
  • Experience with credit management
  • Experience with credit evaluation
  • Knowledge of credit operations, finance programs, dealer agreements and dealer reserve procedures, ideally including the processes followed at John Deere Financial
  • Knowledge of the company's credit policies
  • Bachelor's degree in a Business/Management or Accounting/Finance discipline
81

Consumer Credit Review Analyst Resume Examples & Samples

  • Maintains a thorough knowledge of sound lending practices, lending regulations, and of the bank’s loan policy and underwriting guidelines
  • Develops and maintains positive working relationships with line of business management, credit risk management, audit staff and other departments
  • Analyzes trends in key quality and performance metrics, review transactions and assesses processes associated with the origination and servicing of assigned loan portfolios
  • Identifies and monitors evolution of key risk direction drivers for assigned portfolio(s)
  • Independently performs ad hoc analysis of credit risk issues, frequently requiring aggregation of transaction data through use of spreadsheet or database software
  • Maintains specialized knowledge as required for assigned lines of business. May include expertise required to assess periodic validation of credit scoring models, understanding portfolio valuation techniques, etc
  • Assists or leads review processes
  • Proposes appropriate ratings and risk direction assessments and participates in developing findings and conclusions, presenting results to senior managers, and in completing written reports within departmental guidelines
  • Maintains information or work papers to support review process and findings
  • May serve as lead review analyst for assigned line(s) of business
  • Capable of independently assessing risk direction drivers with concurrence from senior management
  • Ability to define review priorities and execute review plans
  • Thorough understanding of credit risk
  • Ability to integrate the knowledge of the impact of national and local economic conditions and regulatory environment into the review process
  • Ability to assess potential impact on credit risk profile
82

Claim Review Analyst Resume Examples & Samples

  • Review claim packages related to investor portfolios, as provided by mortgage servicer, consisting of HUD claim, payment voucher, invoices, and transaction histories
  • Audit claim packages for loan transactions through liquidation based on HUD guidelines, rules, regulations, and corporate policies and procedures
  • Review and balance HUD-1 closing statements for sale of property
  • Compare and reconcile amounts filed on claim by servicer to actual amounts paid by HUD via the Advice of Payment (AOP)
  • Populate standard Excel pre-designed Audit Worksheet and related tabs with data from claim packages, HUD AOPs, and the REO system
  • Document audit findings and reconciliation differences
  • Provide comments and answer questions to assist with preparation of make-whole billings to servicer
  • Bachelor’s degree preferred, preferably in Accounting, Finance or Business Experience in mortgage is preferred
  • 1-3 years’ mortgage banking experience
  • 1-3 years’ comprehensive experience in servicing loans according to applicable investor guidelines
  • Advanced experience with, and understanding of, FHA claim filing requirements
  • Reverse mortgage servicing experience preferred
  • Ability to pay close attention to details and perform complex analysis and reconciliations
  • Advanced analytical and organizational skills
  • Good written & oral communication skills
  • Experience with multiple mortgage servicing systems a plus
83

Biligual Conditions Review Analyst Resume Examples & Samples

  • Review all incoming mortgage documentation and supporting lending underwriting documentation to ensure they comply with the residential underwriting standards and Manulife Bank’s policies. Documentation includes signed Operating Agreement, ID Verification, Income Verification, confirmation of down payment, confirmation of square footage and heating costs, confirmation of payouts and current mortgage statements, etc
  • Ensure that all data entered on the Mortgage End-to-End system by the Banking Consultants or Mortgage Services Solutions team accurately reflects what is contained in the supporting documentation
  • Review the Equifax reports on Mortgage End-to-End for conditionally approved files to identify any abnormalities that may require further underwriting review
  • If there are any discrepancies or missing documentation, the incumbent must follow up to obtain the correct documentation and either notify the Banking Consultant to obtain the proper documentation or forward to the mortgage underwriting team for further assessment
  • The incumbent is responsible for the mortgage file from inception to the instruction phase including obtaining any missing documentation. The incumbent has complete ownership of the file and ensuring all requirements are met before proceeding to the instruction stage
  • The incumbent is required to provide the title insurers with accurate instructions in order to have the mortgage documents executed and signed by the mortgagee(s). This includes providing the title insurers with all mortgage related documents including but not limited to the following: Operating Agreement, payout authorizations, tax bill, mortgage statement, statements for unsecured paydowns, purchase/sale agreement, etc
  • Prepare the file for funding once complete and ensure any special conditions are noted for the funders to ensure the file is funded accurately
  • Establish and maintain strong working relationships with both internal teams and the sales team by being proactive, demonstrating solid problem solving and decision making skills while ensuring that credit policies and procedures are being adhered to for all residential mortgages
  • Bilingualism in both French and English required
  • Some form of post secondary education
  • Minimum of 2 years experience in the residential mortgage field
  • Solid understanding of the mortgage business and documentation required for mortgage origination
  • Solid understanding of the following credit and lending concepts